JHUSA N - CVUL 09

0001193125-15-166269.txt : 20150501 0001193125-15-166269.hdr.sgml : 20150501 20150501160553 ACCESSION NUMBER: 0001193125-15-166269 CONFORMED SUBMISSION TYPE: 497 PUBLIC DOCUMENT COUNT: 1 FILED AS OF DATE: 20150501 DATE AS OF CHANGE: 20150501 EFFECTIVENESS DATE: 20150501 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: 333-152409 FILM NUMBER: 15824329 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

C000069370 Corporate VUL

497 1 d919500d497.htm JHUSA N - CVUL 09 JHUSA N - CVUL 09

Supplement Dated April 27, 2015

Prospectuses Dated April 27, 2015, or later

This supplement is intended for distribution with prospectuses dated April 27, 2015, or later, 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 2014		Survivorship Variable Universal Life
Corporate VUL		Majestic VULX
Protection VUL 2012		Majestic Survivorship VULX
Simplified Life		Majestic VCOLIX

Portfolio Annual Expenses

The Total Operating Expenses for the portfolios listed below have been revised to reflect a lower Management Fee.


Portfolio	Management Fees			12b-1 Fees			Other Expenses			Acquired Fund Fees and Expenses			Total Operating Expenses
Financial Industries		0.76	%		0.00	%		0.10	%		0.08	%		0.94	%
Fundamental Large Cap Value		0.62	%		0.00	%		0.03	%		0.00	%		0.65	%
Health Sciences		0.95	%		0.00	%		0.04	%		0.00	%		0.99	%
Small Cap Growth		1.04	%		0.00	%		0.04	%		0.00	%		1.08	%

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.


333-141692	333-141693	333-193994	333-179571
333-148991	333-148992	333-151631	333-193995
333-151630	333-153252	333-152408	333-194818
333-152409	333-179570	333-153253	333-194819

VLI ProdSupp VL1 5/2015