0001193125-12-457230.txt : 20121107 0001193125-12-457230.hdr.sgml : 20121107 20121107152531 ACCESSION NUMBER: 0001193125-12-457230 CONFORMED SUBMISSION TYPE: 497 PUBLIC DOCUMENT COUNT: 1 FILED AS OF DATE: 20121107 DATE AS OF CHANGE: 20121107 EFFECTIVENESS DATE: 20121107 FILER: COMPANY DATA: COMPANY CONFORMED NAME: JOHN HANCOCK LIFE INSURANCE CO (USA) SEPARATE ACCOUNT N CENTRAL INDEX KEY: 0000813572 IRS NUMBER: 232030787 STATE OF INCORPORATION: MI FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 497 SEC ACT: 1933 Act SEC FILE NUMBER: 333-126668 FILM NUMBER: 121186539 BUSINESS ADDRESS: STREET 1: 200 BLOOR STREET EAST ST 10 STREET 2: TORONTO M4W 1EF CITY: ONTARIO CANADA STATE: A6 ZIP: 48304 BUSINESS PHONE: 4169266302 MAIL ADDRESS: STREET 1: P O BOX 600 CITY: BUFFALO STATE: NY ZIP: 14201-0600 FORMER COMPANY: FORMER CONFORMED NAME: MANUFACTURERS LIFE INS CO USA SEPARATE ACCOUNT N DATE OF NAME CHANGE: 20020411 FORMER COMPANY: FORMER CONFORMED NAME: SEPARATE ACCOUNT FOUR OF THE MANUFACTURERS LIFE INS CO OF AM DATE OF NAME CHANGE: 19920703 0000813572 S000009940 JOHN HANCOCK LIFE INSURANCE CO (USA) SEPARATE ACCOUNT N C000027520 CVUL 05 497 1 d432421d497.htm JHUSA N - CVUL 05 JHUSA N - CVUL 05

Supplement Date November 7, 2012

To

Prospectuses Dated April 30, 2012 and May 30, 2012

This supplement is intended for distribution with prospectuses dated April 30, 2012 and May 30, 2012 for variable life insurance contracts issued by John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York, as applicable. The affected prospectuses bear the titles:

 

Accumulation VUL

Corporate VUL

Protection Variable Universal Life

Protection VUL 2012

Survivorship Variable Universal Life

 

Majestic Performance VUL

Majestic VULX

Majestic Survivorship VULX

Majestic VCOLIX

Portfolio Mergers

Effective after the close of business on November 2, 2012, the portfolios of John Hancock Variable Insurance Trust listed below under “Acquired Portfolios” merged into the corresponding John Hancock Variable Insurance Trust portfolio listed below under “Acquiring Portfolios.”

 

Acquired Portfolios

 

Acquiring Portfolios

American Blue Chip Income & Growth

 

American Growth-Income

International Opportunities

 

International Growth Stock

International Equity Index A

 

International Equity Index B

As a result, you will not be able to allocate your policy value or any premium payments to an investment account corresponding with one of the Acquired Portfolios after November 2, 2012. You should disregard any reference in your product prospectus to the Acquired Portfolios.

Portfolio Addition

Effective November 5, 2012, the list of investment accounts on the first page of the prospectus is updated to reflect the addition of the International Growth Stock portfolio to your policy, which invests in the corresponding portfolio of the John Hancock Variable Insurance Trust.

We add the following disclosure to the Portfolio Annual Expenses.

 

Portfolio

   Management Fees     12b-1 Fees     Other
Expenses
    Acquired Fund
Fees and Expenses
    Total Operating
Expenses
 

International Growth Stock

     0.83     0.00     0.15     0.00     0.98

We add the following disclosure to the Table of Investment Options and Investment Subadvisers:

 

Portfolio

  

Portfolio Manager

  

Investment Objective

International Growth Stock    Invesco Advisers, Inc.    To seek to achieve long-term growth of capital. The portfolio invests primarily in a diversified portfolio of international securities whose issuers are considers by the portfolio’s subadviser to have strong earnings growth. Under normal market conditions, the portfolio invests at least 80% of its net assets (plus any borrowings for investment purposes) in stock of any market capitalization.

 

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You should read this supplement together with the prospectus for the contract you purchased, and retain both for future reference.

Prior to making any investment decisions, you should carefully review your product prospectus and all applicable supplements. In addition, you should review the prospectuses and applicable supplements for the underlying portfolios that we make available as investment options under the policies. The prospectuses describe the investment objectives, policies and restrictions of, and the risks relating to, investment in the portfolios. In the case of any of the portfolios that are operated as feeder funds, you should also review the prospectus for the corresponding master fund. If you need to obtain additional copies of any of these documents, please contact your representative or contact our Service Office at the address or telephone number on the back page of your product prospectus.

 

333-131299   333-152409   333-131134    
333-141692   333-148992   333-132905  
333-148991   333-151631   333-141693  
333-151630   333-152407   333-85284  
333-152406   333-152408   333-124150  
333-153252   333-153253   333-127543  
333-157212   333-157213    
333-179570   333-179571    
333-126668   333-131139    

VLI ProdSupp VL1 11/2012

 

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