485BPOS

As filed with the U.S. Securities and Exchange Commission on April 21, 2023
Registration No. 333-100567

U.S. SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM N-6

SEC File No 811-5130

REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933
POST EFFECTIVE AMENDMENT NO. 23 [X]

REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940
AMENDMENT NO. 31 [X]

John Hancock Life Insurance Company (U.S.A.) Separate Account N

(Exact Name of Registrant)

John Hancock Life Insurance Company (U.S.A.)

(Name of Depositor)

200 Berkeley Street
Boston, MA 02116

(Complete address of depositor’s principal executive offices)

Depositor's Telephone Number: 617-572-6000

MICHAEL A. RAMIREZ
John Hancock Life Insurance Company (U.S.A.)
U.S. INSURANCE LAW
200 BERKELEY ST.
BOSTON, MA 02116

(Name and complete address of agent for service)

Approximate Date of Proposed Public Offering: As soon as practicable after effectiveness of this amendment.

It is proposed that this filing will become effective (check appropriate box): 

[ ]	immediately upon filing pursuant to paragraph (b)
[X]	on May 1, 2023, pursuant to paragraph (b)
[ ]	60 days after filing pursuant to paragraph (a)(1)
[ ]	on ______ pursuant to paragraph (a)(1) of Rule 485 under the Securities Act.

If appropriate check the following box 

[ ] this post-effective amendment designates a new effective date for a previously filed post-effective amendment.

John Hancock Life Insurance Company (U.S.A.) Separate Account N

JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.)

(“John Hancock USA”)

Flexible Premium Variable Universal Life Insurance Policy

CORPORATE VUL 03

Prospectus dated May 1, 2023

You may choose to allocate your policy value to one or more of the options that the policies make available for that purpose. These options include our “variable investment accounts,” where the policy value will vary directly with the positive or negative investment experience of underlying investment “portfolios.” To provide you with that investment experience, amounts that you allocate to a variable investment account are held in a corresponding “subaccount” of John Hancock Life Insurance Company (U.S.A.) Separate Account N (“Separate Account”), and the subaccount invests those amounts exclusively in one of the portfolios.

You may also allocate policy value to a “fixed account” that the policy makes available. This prospectus provides detailed information about all such options to which you can allocate your policy value.

Please note that the Securities and Exchange Commission (“SEC”) has not approved or disapproved these securities or determined if this prospectus is truthful or complete. Any representation to the contrary is a criminal offense.

Additional information about certain investment products, including variable life insurance, has been prepared by the SEC’s staff and is available at Investor.gov.

TABLE OF CONTENTS

KEY INFORMATION	4
Important Information You Should Consider About the Policy	4
OVERVIEW OF THE POLICY	6
Purpose	6
Premiums	6
Policy Features	7
Death benefit	7
Surrender of the policy	7
Withdrawals	7
Policy loans	7
Supplementary benefit riders	8
FEE TABLE	8
GENERAL DESCRIPTION OF THE POLICY	10
Policy Rights	10
Owner and beneficiary	10
Allocation of Premiums	10
Transfers of Policy Value	11
Transfers to or from a variable investment account	11
Transfers involving the fixed account	12
Telephone transfers	13
Dollar cost averaging and asset allocation balancer programs	13
General Account	13
The fixed account	13
PREMIUMS	14
Purchase Procedures	14
Temporary insurance agreement	14
Underwriting	14
Premium Amount	15
STANDARD DEATH BENEFITS	15
Standard Death Benefits	15
Minimum death benefit	16
Flexible Term Insurance Option Rider	17
Death benefit options	18
Changing the death benefit option	19
Changing the Face Amount and scheduled death benefits	20
Factors that affect the death benefit	22
SURRENDERS AND WITHDRAWALS	22
Surrender and Withdrawal	22
Additional Information Regarding Surrender and Withdrawal	23
LOANS	23
Availability of Loans, Limitations and Interest	23
Loan Repayments	24
OTHER BENEFITS AVAILABLE UNDER THE POLICY	24
More About Certain Optional Benefits	24
Flexible Term Insurance Option Rider	25

2

TAXES	26
General	26
Death Benefit Proceeds and Other Policy Distributions	26
Policy Loans	28
Diversification Rules and Ownership of the Separate Account	28
7-pay Premium Limit and Modified Endowment Contract Status	29
Corporate and H.R. 10 Retirement Plans	30
Withholding	30
Life Insurance Purchases by Residents of Puerto Rico	30
Life Insurance Purchases by Non-resident Aliens	30
Life Insurance Owned by Citizens or Residents Living Abroad	30
PRINCIPAL RISKS OF INVESTING IN THE POLICY	31
Lapse Risk	31
Investment Risk/Risk of Loss	31
Transfer Risk	31
Early Surrender or Withdrawal Risk/Not a Short-Term Investment	31
Tax Risks	31
ADDITIONAL INFORMATION REGARDING THE POLICY	32
Charges and Deductions	32
Deductions from premium payments	32
Deductions from policy value	33
Charges at the portfolio level	35
Additional Information About How Certain Policy Charges Work	35
Other Charges We Could Impose in the Future	36
Commissions Paid to Dealers	36
Lapse and Reinstatement	36
Lapse	36
Reinstatement	37
Variations	37
Policy or Separate Account Changes	37
When We Pay Policy Proceeds	38
Coverage at and After Age 100	39
GENERAL DESCRIPTION OF REGISTRANT, DEPOSITOR AND PORTFOLIOS	39
Depositor	39
Registrant	39
Portfolios	39
Voting Portfolio Shares	40
LEGAL PROCEEDINGS	40
FINANCIAL STATEMENTS	41

APPENDIX: PORTFOLIOS AVAILABLE UNDER THE POLICY Appendix-1

3

KEY INFORMATION

Important Information You Should Consider About the Policy

FEES AND EXPENSES
Charges for Early Withdrawals	There is a surrender charge assessed upon termination or reduction of any coverage amount that is subject to a surrender charge including surrender of the policy for its net cash surrender value, partial withdrawal in excess of the Free Withdrawal Amount, decrease in the Face Amount, or policy lapse.				FEE TABLE Deductions from policy value
Transaction Charges	In addition to surrender charges (if applicable), you may also be charged for the following transactions: A premium load charge will be deducted from each premium payment. A sales load charge will be deducted from each premium payment. A transfer fee may be deducted upon transfers into or out of a variable investment account after you have made more than 12 such transfers in a year.				FEE TABLE Deductions from policy value
Ongoing Fees and Expenses (annual charges)	In addition to surrender charges and transaction charges, you will also be subject to certain ongoing fees and expenses, including a cost of insurance charge, administration fee, a mortality and expense risk fee, policy loan costs, and supplementary benefit rider charges. Some of these fees and expenses are based wholly or in part on the characteristics of the insured persons (e.g., age, sex, and underwriting classification). You should view the “policy specifications” page of your policy for rates applicable to your policy. You will also bear expenses associated with the portfolios under the policy, as shown in the following table:				FEE TABLE Deductions from policy value Charges at the portfolio level APPENDIX
		Annual Fee	Minimum	Maximum
		Variable investment accounts (portfolio fees and expenses)	0.44%	1.95%

RISKS
Risk of Loss	You can lose money by investing in this policy.	PRINCIPAL RISK OF INVESTING IN A POLICY
Not a Short- Term Investment	This policy is not a short-term investment and is not appropriate for an investor who needs ready access to cash. The policy is unsuitable as a short-term savings vehicle because of substantial policy-level charges, including the premium charge and the surrender charge, as well as potential adverse tax consequences from such short-term use.	Early Surrender or Withdrawal Risk/Not a Short-Term Investment
Risks Associated with Investment Options	An investment in this policy is subject to the risk of poor performance and can vary depending on the performance of the account allocation options available under the policy (e.g., portfolios). Each such option (including the fixed account) will have its own unique risks, and you should review these options before making an allocation decision.	Investment Risk/Risk of Loss

4

Insurance Company Risks	Your investment in the policy is subject to risks related to John Hancock USA, including that the obligations (including under the fixed account option), guarantees, or benefits are subject to the claims-paying ability of John Hancock USA. Information about John Hancock USA, including its financial strength ratings, is available upon request from your John Hancock USA representative. Our current financial strength ratings can also be obtained by contacting the Service Office at 1-800-732-5543.	Depositor Registrant
Policy Lapse	This policy will go into default if at the beginning of any policy month the policy’s net cash surrender value would be zero or below after deducting the monthly deductions then due. The “net cash surrender value” is your policy value, less any policy debt, and less any applicable surrender charges. This can happen as a result of insufficient premium payments, poor performance of the variable or general account options you have chosen, withdrawals, or unpaid loans or loan interest. If a default is not cured within a 61-day grace period, your policy will lapse without value, and no death benefit or other benefits will be payable. You can apply to reinstate a policy that has gone into default, subject to conditions including payment of a specified amount of additional premiums.	Lapse and Reinstatement

RESTRICTIONS
Investments	There are restrictions that may limit the variable investment account options and general account options (including the fixed account) that you may choose, as well as limitations on the transfer of policy value among those options. These restrictions may include a monthly limit on the number of transfers you may make. We may also impose additional restrictions to discourage market timing and disruptive trading activity. In particular, your allocation options will be affected if you elect to take a loan or receive benefits under certain supplementary benefit riders. Among other things, the policy also allows us to eliminate the shares of a portfolio or substitute shares of another new or existing portfolio, subject to applicable legal requirements.	Transfers to or from a variable investment account Transfers involving the fixed account Portfolios
Optional Benefits	There are restrictions and limitations relating to optional benefits, as well as conditions under which an optional benefit may be modified or terminated by us. For example, certain supplementary benefit riders may be subject to underwriting, and your election of an option may result in restrictions upon some of the policy benefits, including availability of investment options.	More About Certain Optional Benefits

TAXES
Tax Implications	You should consult with a tax professional to determine the tax implications of an investment in and payments received under the policy. There is no additional tax benefit to you if the policy is purchased through a tax-qualified plan or an individual retirement account (IRA). If we pay out any amount of your policy value	TAXES

5

upon surrender or partial withdrawal, all or part of that distribution would generally be treated as a return of the premiums you’ve paid and not subjected to income tax, with any portion not treated as a return of your premiums includible in your income. Distributions also are subject to tax penalties under some circumstances

CONFLICTS OF INTEREST
Investment Professional Compensation	Some investment professionals may receive compensation for selling the policy, including by means of commissions and revenue sharing arrangements. These investment professionals may have a financial incentive to offer or recommend this policy over another investment.	Commissions Paid to Dealers
Exchanges	Some investment professionals may have a financial incentive to offer you a new policy in place of the one you already own, and you should only exchange your policy if you determine, after comparing the features, fees, and risks of both policies, that it is preferable for you to purchase the new policy rather than continue to own the existing policy.	Commissions Paid to Dealers

OVERVIEW OF THE POLICY

Purpose

The policy is designed to provide employers or other organizations with life insurance coverage on employees or other individuals in whose lives they have an insurable interest. The policy may be owned by an individual or a corporation, trust, association, or similar entity. The policy may be used for such purposes as funding non-qualified executive deferred compensation or salary continuation liabilities or death benefit liabilities of executive retirement plans, or as a source for funding cash flow obligations under such plans.

Premiums

We call the investments you make in the policy “premiums” or “premium payments.” The minimum initial premium is a dollar amount that is stated in your policy specifications and that must be paid to us in full before your policy will take effect. Premium payments after the initial premium may not be required, but you must pay enough premium to keep the policy in force. That’s why the policy is called a “flexible premium” policy. After the payment of the initial premium, premiums may be paid at any time and in any amount until the insured person’s attained age 100, subject to the need to pay enough premium to keep the policy in force, and to limitations on maximum premium amount.

Federal tax law limits the amount of premium payments you can make relative to the amount of your policy’s insurance coverage. We will not knowingly accept any amount by which a premium payment exceeds this limit. In addition, in order to limit our investment risk exposure under certain market conditions, we may refuse to accept additional premium payments.

From each premium payment you make, we deduct the applicable premium charges identified in the FEE TABLE. We invest the rest (the “net premium”) in the variable investment accounts or fixed account as you’ve elected.

The policy offers a number of variable investment accounts. You can find some important information about each portfolio in the APPENDIX, but for a full description of each portfolio, including the investment objectives

6

and strategies, policies, restrictions, and risks, you should read the portfolio’s prospectus carefully before investing in the corresponding variable investment account.

You can also allocate policy value to the fixed account (where it is credited with rates of interest that we declare from time to time but will never be less than a minimum rate guaranteed in your policy specifications). If the net cash surrender value is insufficient to pay the charges when due your policy can terminate (i.e. “lapse”). This can happen because you haven’t paid enough premium, because the performance of the variable investment or general account options you’ve chosen has been poor, or because of a combination of all factors.

Policy Features

Death benefit. The policy provides a death benefit in the event of the death of the life insured while the policy is in force. The basic death benefit amount is the Face Amount, which is provided for the lifetime of the life insured with no maturity or expiration date. There may be other amounts added to the death benefit as described below.

Flexible Term Insurance Option. You may add a flexible term insurance option rider (the “FTIO Rider”) to the policy to provide additional term life insurance coverage on the life insured. Cost of insurance rates are less than or equal to those of the policy and no sales loads or surrender charge will apply. However, unlike the Face Amount of the policy, the FTIO Rider will terminate at the life insured’s attained age 100. The FTIO Rider also offers the flexibility to schedule varying death benefit amounts on future dates (the “Scheduled Death Benefits”).

Death Benefit Options. There are two death benefit Options. Option 1 provides a death benefit equal to the Face Amount of the policy and the Scheduled Death Benefits of the FTIO Rider or, if greater, the Minimum Death Benefit. Option 2 provides a death benefit equal to the Face Amount and the Scheduled Death Benefits, plus the policy value or, if greater, the Minimum Death Benefit. You may change the death benefit Option and increase or decrease the Face Amount and Scheduled Death Benefits.

Age 100 Advantage. If the life insured is alive on the policy anniversary when the life insured reaches attained age 100, the policy will continue in force subject to the following unless the policy owner chooses to surrender the policy for its net cash surrender value:

• the policy will be continued until the earlier of the death of the life insured or the date the policy owner surrenders the policy;

• no additional premium payments will be accepted although loan repayments will be accepted;

• no additional charges or deductions (described under “Charges and Deductions”) will be assessed;

• interest on any Policy Debt will continue to accrue;

• the policy owner may continue to transfer portions of the policy value among the investment accounts and the fixed accounts as described in this prospectus.

Surrender of the policy. You may surrender the policy in full while the insured person is alive. If you do, we will pay you the policy value less any outstanding policy debt and less any applicable surrender fee. This is called your “net cash surrender value.”

Withdrawals. You may make a withdrawal of part of your net cash surrender value at any time. Surrender charges may be assessed on a partial withdrawal.

Policy loans. If your policy is in force and has sufficient policy value, you may borrow from it at any time by completing the appropriate form. The maximum amount you can borrow is determined by a formula as described in your policy. Interest is charged on each loan. If there is an outstanding loan the amount of the loan and accrued interest will be deducted from the death benefit and other policy proceeds.

7

Supplementary benefit riders. When you apply for the policy, you can request the below-listed supplementary benefit rider that we make available. Availability of riders varies from state to state. Charges for most riders will be deducted monthly from the policy value. Some riders may not be available in combination with other riders or benefits.

• Flexible Term Insurance Option Rider

You can find information about the fees we charge for this rider under “Transaction Fees” and “Periodic Charges other than Annual Portfolio Expenses — Optional Benefit Charges” in the Fee Table below. We also offer a dollar cost averaging (“DCA”) program and an asset allocation balancer program.

FEE TABLE

The following tables describe the fees and expenses that you will pay when buying, owning, and surrendering or making withdrawals from the policy. Please refer to your policy specifications for information about the specific fees you will pay each year based on the options you have elected.

The first table describes the fees and expenses that you will pay at the time that you buy the policy, surrender or make withdrawals from the policy, or transfer policy value between investment options.

TRANSACTION FEES
Charge	When Charge is Deducted	Amount Deducted
Premium load charge	Upon receipt of premium	2% of each premium payment
Premium sales load charge	Upon receipt of premium	8% (coverage year 1) (1)
Surrender charge(1)	Upon termination or reduction of any coverage amount that is subject to a surrender charge including surrender of the policy for its net cash surrender value, partial withdrawal in excess of the Free Withdrawal Amount, decrease in the Face Amount, or policy lapse.	5% (coverage year 1) (2)
Transfer fee (3)	Upon each transfer into or out of a variable investment account beyond an annual limit of twelve	$25.00
Dollar cost averaging	Upon transfer	Guaranteed             $5.00 Current                   $0.00
Asset allocation rebalancer	Upon transfer	Guaranteed             $15.00 Current                   $0.00

(1) A policy is subject to either a sales load or a surrender charge but not both. The policy indicates which charge is applicable. The sales load declines in subsequent coverage years as noted below:

Coverage Year	Percentage
1	8.00%
2	6.00%
3	3.00%
4	2.00%
5	1.00%
6+	0.00%

8

(2) The surrender charge declines in subsequent policy years as noted below:

Coverage Year	Percentage
1	5.00%
2	4.00%
3	3.00%
4	2.50%
5	2.00%
6	1.50%
7	1.00%
8	1.00%
9	0.50%
10+	0.00%

(3) This charge is not currently imposed, but we reserve the right to do so in the policy.

The next table describes the fees and expenses that you will pay periodically during the time that you own the policy, not including portfolio fees and expenses.

PERIODIC CHARGES OTHER THAN ANNUAL PORTFOLIO EXPENSES
Charge	When Charge is Deducted	Amount Deducted
Base Policy Charges:
Cost of Insurance (1):	Monthly
Minimum charge		$0.00 per $1,000 of NAR
Maximum charge		$83.33 per $1,000 of NAR
Charge for a representative insured person (45 year old non-smoking male)		$0.16 per $1,000 of NAR Policy subject to surrender charge: The Cost of Insurance rate is $0.35 per month per $1,000 of the net amount at risk.
Cost of Insurance - Optional FTIO Rider (Flexible Term Insurance Option)(1)	Monthly
Minimum charge		$0.00 per $1,000 of NAR
Maximum charge		$83.33 per $1,000 of NAR
Charge for a representative insured person (45 year old non-smoking male)		$0.10 per $1,000 of NAR
Administration fee	Monthly	$12.00
Mortality and expense risk fee (2)	Monthly	0.04% (0.50% annually)
Maximum policy loan interest rate (net)(3)	Accrues daily Payable annually 7	5% annual rate

(1) The cost of insurance varies based on individual characteristics and the charges shown in the table may not be representative of the charge a particular policy owner will pay. A policy owner may obtain additional information regarding cost of insurance charge by contacting the Company. The election (or failure to elect) the optional FTIO rider will impact the total cost of insurance charges.

9

(2) Currently the Company is charging the following rates:

Policy Year	Annual Rate
1-10	0.50%
11+	0.20%

(3) The Loan Interest Rate (Net) is equal to the rate of interest charged on the policy loan less the interest credited to the Loan Account. Currently this rate is 0.75% for policy years 1-10 and 0.25% for policy years 11 and higher. The maximum loan rate is 4%.

The next item shows the minimum and maximum total operating expenses charged by the portfolios that you may pay periodically during the time that you own the policy. A complete list of the portfolios available under the policy, including their annual expenses, may be found at the back of this document.

Annual Portfolio Expenses	Minimum			Maximum
Range of expenses that are deducted from portfolio assets, including management fees, distribution and/or service (12b-1) fees, and other		0.44	%		1.95	%

GENERAL DESCRIPTION OF THE POLICY

Policy Rights

Owner and beneficiary. The owner of the policy is the person who can exercise most of the rights under the policy, such as the right to choose the accounts in which to invest or the right to surrender the policy. In many cases, the person buying the policy is also the person who will be the owner. However, the application for a policy can name another person or entity (such as a trust) as owner. It is possible to name so-called “joint owners” of the policy. If more than one person owns a policy, all owners must join in most requests to exercise rights under the policy. Whenever we’ve used the term “you” in this prospectus, we’ve assumed that the reader is the person who has whatever right or privilege is being discussed. There may be tax consequences if the owner and the insured person are different, so you should discuss this issue with your tax adviser.

While the insured person is alive, you will have a number of options under the policy. These options include:

• Determine when and how much you allocate to the variable investment accounts and any fixed account

• Borrow or withdraw amounts you have in the variable investment account and any fixed account

• Change the beneficiary who will receive the death benefit

• Change the amount of insurance

• Surrender the policy for its net cash surrender value

• Choose the form in which we will pay out the death benefit or other proceeds

You name your beneficiary when you apply for the policy. The beneficiary is entitled to the proceeds we pay following the insured person’s death. Until the death of the insured person you can change your beneficiary by written request. Such a change requires the consent of any named irrevocable beneficiary. A new beneficiary designation will not affect any payments we make before we receive it. If no beneficiary is living when the insured person dies, we will pay the insurance proceeds to the owner or the owner’s estate.

Allocation of Premiums

You may allocate premiums to the fixed account and investment accounts. Allocations may be made as percentages that are between zero and 100% that sum to exactly 100%. Alternatively, you may allocate a premium in dollar

10

amounts that sum to exactly the net premium amount. You may change premium allocations at any time and the change will take effect on the date a request for change satisfactory to us is received at the Service Office.

Transfers of Policy Value

Transfers to or from a variable investment account. The policy is not designed for professional market timers or highly active traders, including persons or entities that engage in programmed, large or frequent transfers among the investment accounts or between the investment accounts and any available fixed account. The policy is also not designed to accommodate trading that results in transfers that are large in relation to the total assets of the underlying portfolio.

Variable investment accounts in variable life insurance products can be a prime target for abusive transfer activity because these products value their investment options on a daily basis and allow transfers among investment options without immediate tax consequences. As a result, some investors may seek to frequently transfer into and out of variable investment accounts or to make large transfers in reaction to market news or to exploit a perceived pricing inefficiency. Whatever the reason, long-term investors in a variable investment account can be harmed by large or frequent transfer activity. For example, such activity may expose the investment account’s underlying portfolio to increased portfolio transaction costs and/or disrupt the portfolio manager’s ability to effectively manage the portfolio’s investments in accordance with the portfolio’s investment objectives and policies. This could include causing the portfolio to maintain higher levels of cash than would otherwise be the case, or liquidating investments prematurely. Accordingly, frequent or large transfers may result in dilution with respect to interests held for long-term investment and adversely affect policy owners, beneficiaries and the underlying portfolios.

To discourage market timing and disruptive trading activity, we impose restrictions on transfers and reserve the right to change, suspend or terminate telephone and facsimile transaction privileges. In addition, we reserve the right to take other actions at any time to restrict trading, including, but not limited to: (i) restricting the number of transfers made during a defined period, (ii) restricting the dollar amount of transfers, (iii) restricting transfers into and out of certain investment options, (iv) restricting the method used to submit transfers, and (v) deferring a transfer at any time we are unable to purchase or redeem shares of the underlying portfolio.

We may also impose additional administrative conditions upon or prohibit a transfer request made by a third party giving instructions on behalf of multiple policies, whether owned by the same owner or different owners. If you engage a third party for asset allocation services, then you may be subject to these transfer restrictions because of the actions of that party in providing those services. We will notify the third party you have engaged if we exercise this right.

While we seek to identify and prevent disruptive trading activity, it may not always be possible to do so. Therefore, no assurance can be given that the restrictions we impose will be successful in preventing all disruptive trading and avoiding harm to long-term investors.

Our current practice is to restrict transfers into or out of variable investment accounts to two per calendar month (except with respect to those policies described in the following paragraph). In applying this restriction any transfer request involving the transfer of account value into or out of multiple variable investment accounts will still count as only one request. No more than one transfer request may be made on any day. You may, however, transfer to the Money Market portfolio even if the two transfer per month limit has been reached, but only if 100% of the policy value in all variable investment accounts is transferred to the Money Market portfolio. If such a transfer to the Money Market investment portfolio is made, then, for the 30 calendar day period after such transfer, no transfers from the Money Market portfolio to any other variable investment accounts or to the fixed account may be made. If a policy offers a dollar cost averaging or automatic asset allocation rebalancing program, any transfers pursuant to such program are not considered transfers subject to these restrictions on frequent trading. The restrictions described in this paragraph will be applied uniformly to all policy owners subject to the restrictions.

11

Policies may be purchased by a corporation or other entity as a means to informally finance the liabilities created by an employee benefit plan, and to this end the entity may aggregately manage the policies purchased to match its liabilities under the plan. Policies sold under these circumstances are subject to special transfer restrictions. In lieu of the two transfers per month restriction, we will allow the policy owner under these circumstances to rebalance the investment options in its policies within the following limits: (i) during the 10 calendar day period after any account values are transferred from one portfolio into a second portfolio, the values can only be transferred out of the second investment option if they are transferred into the Money Market portfolio; and (ii) any account values that would otherwise not be transferable by application of the 10 day limit described above and that are transferred into the Money Market portfolio may not be transferred out of the Money Market portfolio into any other investment options (variable or fixed) for 30 calendar days. The restrictions described in this paragraph will be applied uniformly to all policy owners subject to the restrictions.

Subject to our approval, we may offer policies purchased by a corporation or other entity that has purchased policies to match its liabilities under an employee benefit plan, as described above, the ability to electronically rebalance the investment options in its policies. Under these circumstances, in lieu of imposing any specific limit upon the number or timing of transfers, we will monitor aggregate trades among the sub-accounts for frequency, pattern and size for potentially harmful investment practices. If we detect trading activity that we believe may be harmful to the overall operation of any investment account or underlying portfolio, we may impose conditions on policies employing electronic rebalancing to submit trades, including setting limits upon the number and timing of transfers, and revoking privileges to make trades by any means other than written communication submitted via U.S. mail. The restrictions described in these paragraphs will be applied uniformly to all policy owners subject to the restrictions.

We reserve the right to modify or terminate the transfer privilege at any time in accordance with applicable law. Transfer privileges are also subject to any restrictions that may be imposed by the portfolios. In addition, we reserve the right to defer the transfer privilege at any time that we are unable to purchase or redeem shares of a portfolio.

Rule 22c-2 under the 1940 Act requires us to provide tax identification numbers and other policy owner transaction information to John Hancock Trust or to other investment companies in which the Separate Account invests, at their request. An investment company will use this information to identify any pattern or frequency of investment account transfers that may violate their frequent trading policy. An investment company may require us to impose trading restrictions in addition to those described above if violations of their frequent trading policy are discovered.

Transfers involving the fixed account. While the policy is in force, you may transfer the policy value from any of the investment accounts to the fixed account without incurring transfer charges:

• within eighteen months after the Issue Date; or

• within 60 days of the effective date of a material change in the investment objectives of any of the sub-accounts; or

• within 60 days of the date of notification of such change, whichever is later.

Such transfers will not count against the twelve transfers that may be made free of charge in any policy year.

The maximum amount that you may transfer from the fixed account in any one policy year is the greater of $2,000, 15% of the fixed account value at the previous policy anniversary, or the amount transferred out of the fixed account during the previous policy year. Any transfer which involves a transfer out of the fixed account may not involve a transfer to the investment account for the Money Market portfolio.

12

Telephone transfers. Transfer requests must be in writing in a form satisfactory to us, or by telephone if a currently valid telephone transfer authorization form is on file. Although failure to follow reasonable procedures may result in our being liable for any losses resulting from unauthorized or fraudulent telephone transfers, we will not be liable for following instructions communicated by telephone that we reasonably believe to be genuine. We will employ reasonable procedures to confirm that instructions communicated by telephone are genuine. Such procedures shall consist of confirming that a valid telephone authorization form is on file, tape recording of all telephone transactions and providing written confirmation thereof.

Dollar cost averaging and asset allocation balancer programs. We may offer policy owners a dollar cost averaging (“DCA”) program. Under the DCA program, you will designate an amount that will be transferred monthly from one variable investment account into any other variable investment account or a fixed account, . If insufficient funds exist to effect a DCA transfer, the transfer will not be effected and you will be so notified. We do not apply any minimum amount requirements for participation in the DCA program. You can participate in both the dollar cost averaging and asset rebalancing programs at the same time. Under the asset allocation balancer program you will designate an allocation of policy value among variable investment accounts. We will move amounts among the variable investment accounts at specified intervals you select—annually, semi-annually, quarterly or monthly. A change to your premium allocation instructions will automatically result in a change in asset allocation balancer instructions so that the two are identical unless you either instruct us otherwise or have elected the dollar cost averaging program. This asset allocation balancer program only applies to policy value in the variable investment accounts. We reserve the right to cease to offer these programs as of 90 days after written notice is sent to you.

General Account

The fixed account is part of our general account. Our general account consists of all assets owned by us other than those in the Separate Account and any other separate accounts which we have established and may establish. Any interest credited to a policy owner from an investment in a fixed account and any guaranteed benefits we may provide under the policy that exceed the value of amounts held in the Separate Account will be paid from the Company’s general account and will be subject to the Company’s financial strength and claims paying ability. Subject to applicable law, John Hancock USA has sole discretion over the investment of the assets of the general account and policy owners do not share in the investment experience of, or have any preferential claim on, those assets. John Hancock USA bears full investment risk for all amounts allocated to the fixed account.

Because of exemptive and exclusionary provisions, interests in our fixed account have not been and will not be registered under the Securities Act of 1933 and our general account has not been registered as an investment company under the Investment Company Act of 1940 (“1940 Act”). Accordingly, neither the general account nor any interests therein are subject to the provisions of these acts. Disclosures regarding the general account, however, are subject generally to applicable provisions of federal securities laws relating to the accuracy and completeness of statements made in the prospectus.

The fixed account. Account value allocated to any fixed account will accrue interest daily at an effective annual rate that we determine and that depends on a number of significant considerations in addition to the actual investment experience we expect for the general account. We currently offer only one fixed investment option — the standard fixed account. The effective annual rate we declare for the standard fixed account will never be less than 3%. We reserve the right to offer one or more additional fixed investment options with characteristics that differ from those of the current fixed account, but we are under no obligation to do so. Any interest we credit in excess of the guaranteed interest crediting rate will be based on our sole discretion. Additionally, interest credited on a non-guaranteed basis varies over time is rarely the same year-over-year and there may be extended periods of time during which no interest above the guaranteed minimum is declared.

13

PREMIUMS

Purchase Procedures

To purchase a policy, an applicant must submit a completed application. A policy will not be issued until the underwriting process is completed to our satisfaction and we approve issuance of the policy.

Policies may be issued on a basis that does not distinguish between the life insured’s sex and/or smoking status, with prior approval from us. A policy will only be issued on the lives of insureds from Issue Ages 20 through 80. Each policy has a Policy Date, an Effective Date and an Issue Date. The Policy Date is the date from which the first monthly deductions are calculated and from which policy years, policy months and Policy Anniversaries are measured. The Policy Date is also the effective date of the initial coverage amount. The Policy Date is the same date as the Effective Date unless the policy is backdated. The Effective Date is the date we become obligated under the policy and when the first monthly deductions are taken. It is the later of the date we approve issuance of the policy and the date we receive at least the minimum initial premium. The Issue Date is the date from which the Suicide and Incontestability provisions of the policy are measured.

If we approve issuance of a policy before we receive the minimum initial premium then the Effective Date will be later than the Issue Date. The minimum initial premium must be received by us within 60 days after the Issue Date and the life insured must be in good health on the Effective Date. If the minimum initial premium is not paid or if the application is rejected, the policy will be canceled and any premiums paid will be returned to the applicant.

Net premiums received prior to the Effective Date will be credited with interest at the rate of return earned on amounts allocated to the Money Market portfolio. On the Effective Date, net premiums received plus any interest credited will be allocated to investment accounts and the fixed account according to your instructions, unless first allocated to the Money Market Trust for the duration of the right to examine period.

The minimum Face Amount is $50,000 unless the FTIO Rider is added to the policy. With an FTIO Rider, the minimum Face Amount is $25,000 and the minimum Scheduled Death Benefit is $50,000 at all times.

You may request that we backdate the policy by assigning a Policy Date earlier than the date the application is signed. We will not backdate the policy to a date earlier than that allowed by state law, which is generally three months to one year prior to the date of application for the policy. Monthly deductions will be made for the period the Policy Date is backdated.

Temporary insurance agreement. Temporary insurance coverage may be provided under the terms of a Temporary Insurance Agreement, subject to our underwriting practices. Generally, temporary life insurance may not exceed $1,000,000 and may not be in effect for more than 90 days. It is issued on a conditional receipt basis, which means that benefits would only be paid if the life insured met our usual and customary underwriting standards for the coverage applied for.

Underwriting. The policies are offered on three underwriting classes that require different types and amounts of information from the applicant and prospective life insured. Current cost of insurance charges in early policy years will vary by the type of underwriting and charges will generally be lower where underwriting information is more extensive. Under any of the underwriting bases, the acceptance of an application is subject to our underwriting rules and we may request additional information or reject an application for any reason.

Short Form Underwriting. The proposed life insured must answer qualifying questions in the application but is not required to provide detailed medical history, submit records or undergo examinations or tests unless requested to do so by us. Availability of Short Form underwriting depends on characteristics of the Case, such as the number of lives to be insured, the amounts of insurance and other factors, and it is generally available only up to Issue Age 65.

14

Simplified Underwriting. The proposed life insured must satisfactorily answer certain health questions in the application and may be required to submit existing medical records, but requirements to undergo examinations and tests are minimized. Availability of Simplified underwriting and the nature of the requirements will depend on characteristics of the Case and the proposed lives to be insured.

Regular (Medical) Underwriting. Where Short Form or Simplified underwriting is unavailable we require satisfactory evidence of insurability under our regular underwriting guidelines for individual applicants. This may include medical exams and other information. A proposed life insured who fails to qualify for a standard risk classification may be eligible to be insured with an additional substandard rating.

Premium Amount

No premiums will be accepted prior to receipt of a completed application by us. All premiums received prior to the Effective Date of the policy will be held in the general account and credited with interest from the date of receipt at the rate of return earned on amounts allocated to the Money Market Trust.

On the Effective Date, the net premiums paid plus interest credited will be allocated among the investment accounts or the fixed account in accordance with your instructions, unless first allocated to the Money Market Trust for the duration of the right to examine period.

After the payment of the initial premium, premiums may be paid at any time during the lifetime of the life insured prior to attained age 100 and in any amount subject to the premium limitations described below. A policy will be issued with a planned premium, which is based on the amount of premium you wish to pay. We will send you notices of your planned premium at the payment interval you select. However, you are under no obligation to make the planned premium payment.

Payment of premiums will not guarantee that the policy will stay in force and failure to pay premiums will not necessarily cause the policy to lapse. The policy will remain in force so long as the net cash surrender value is sufficient to cover policy charges. If the policy is issued under the GP Test, the total of all premiums paid may not exceed the then-current maximum premium limitations established by federal income tax law for the policy to qualify as life insurance. The GP Test premium limits are stated in the policy. If a premium is received which would result in total premiums exceeding the applicable GP Test limit, we will only accept that portion of the premium that will not exceed the limit. Any premium in excess of that amount will be returned.

If the policy is issued under the CVA Test, there is no restriction on the amount of premiums that may be paid into a policy, but you must provide satisfactory evidence of insurability before we accept any premium that would increase the death benefit by an amount greater than the increase in policy value.

You may allocate premiums to the fixed account and investment accounts. Allocations may be made as percentages that are between zero and 100% that sum to exactly 100%. Alternatively, you may allocate a premium in dollar amounts that sum to exactly the net premium amount. You may change premium allocations at any time and the change will take effect on the date a request for change satisfactory to us is received at the Service Office.

STANDARD DEATH BENEFITS

Standard Death Benefits

If the policy is in force at the time of the life insured’s death we will pay an insurance benefit to the beneficiary. The policy may remain in force for the life insured’s entire lifetime and there is no specified maturity or expiration date.

15

Insurance benefits are only payable when we receive due proof of death at the Service Office, in the form of either a certified copy of the death certificate, a certified copy of a decree of a court of competent jurisdiction as to the finding of death or other proof satisfactory to us.

The amount of the insurance benefit payable will be the death benefit on the date of death, as described below, less any Policy Debt and outstanding monthly deductions on the date of death. The insurance benefit will be paid in one lump sum unless another form of settlement is agreed to by the beneficiary and us. If the insurance benefit is paid in one sum, we will pay interest from the date of death to the date of payment. If the life insured should die after our receipt of a request for surrender, no insurance benefit will be payable, and we will pay only the net cash surrender value.

Minimum death benefit. Both the CVA Test and the GP Test require the death benefit to be at least a prescribed ratio of the policy value at all times. The Policy’s Minimum Death Benefit ensures that these requirements are met by providing that the death benefit shall be at least equal to the policy value multiplied by the applicable Minimum Death Benefit Percentage for the attained age of the life insured. Tables of Minimum Death Benefit Percentages appear below.

16

Table of Minimum Death Benefit Percentages.

Age	GP Test			Male			CVA Test			Unisex			Age	GP Test			Male			CVA Test			Unisex
20		250	%		653	%		779	%		67.4	%	60		130	%		192	%		221	%		197	%
21		250	%		634	%		754	%		654	%	61		128	%		187	%		214	%		192	%
22		250	%		615	%		730	%		635	%	62		126	%		182	%		208	%		187	%
23		250	%		597	%		706	%		616	%	63		124	%		178	%		203	%		183	%
24		250	%		580	%		684	%		598	%	64		122	%		174	%		197	%		178	%
25		250	%		562	%		662	%		579	%	65		120	%		170	%		192	%		174	%
26		250	%		545	%		640	%		561	%	66		119	%		166	%		187	%		170	%
27		250	%		528	%		619	%		544	%	67		118	%		162	%		182	%		166	%
28		250	%		511	%		599	%		526	%	68		117	%		159	%		177	%		162	%
29		250	%		494	%		580	%		509	%	69		116	%		155	%		173	%		159	%
30		250	%		479	%		561	%		493	%	70		115	%		152	%		169	%		156	%
31		250	%		463	%		542	%		477	%	71		113	%		149	%		164	%		152	%
32		250	%		448	%		525	%		461	%	72		111	%		146	%		160	%		149	%
33		250	%		433	%		507	%		446	%	73		109	%		144	%		156	%		146	%
34		250	%		419	%		491	%		432	%	74		107	%		141	%		153	%		144	%
35		250	%		406	%		475	%		418	%	75		105	%		139	%		149	%		141	%
36		250	%		392	%		459	%		404	%	76		105	%		136	%		146	%		139	%
37		250	%		380	%		444	%		391	%	77		105	%		134	%		143	%		136	%
38		250	%		367	%		430	%		378	%	78		105	%		132	%		140	%		134	%
39		250	%		356	%		416	%		366	%	79		105	%		130	%		138	%		132	%
40		250	%		344	%		403	%		355	%	80		105	%		129	%		135	%		130	%
41		243	%		333	%		390	%		343	%	81		105	%		127	%		133	%		128	%
42		236	%		323	%		378	%		333	%	82		105	%		125	%		130	%		127	%
43		229	%		313	%		366	%		322	%	83		105	%		124	%		128	%		125	%
44		222	%		303	%		355	%		312	%	84		105	%		122	%		126	%		123	%
45		215	%		294	%		344	%		303	%	85		105	%		121	%		124	%		122	%
46		209	%		285	%		333	%		294	%	86		105	%		120	%		123	%		121	%
47		203	%		277	%		323	%		285	%	87		105	%		119	%		121	%		119	%
48		197	%		268	%		313	%		276	%	88		105	%		118	%		119	%		118	%
49		191	%		260	%		304	%		268	%	89		105	%		116	%		118	%		117	%
50		185	%		253	%		295	%		260	%	90		105	%		116	%		117	%		116	%
51		178	%		245	%		286	%		253	%	91		104	%		115	%		115	%		115	%
52		171	%		238	%		278	%		245	%	92		103	%		114	%		114	%		114	%
53		164	%		232	%		270	%		238	%	93		102	%		112	%		113	%		113	%
54		157	%		225	%		262	%		232	%	94		101	%		111	%		112	%		111	%
55		150	%		219	%		254	%		225	%	95		100	%		110	%		110	%		110	%
56		146	%		213	%		247	%		219	%	96		100	%		109	%		109	%		109	%
57		142	%		207	%		240	%		213	%	97		100	%		107	%		107	%		107	%
58		138	%		202	%		233	%		208	%	98		100	%		106	%		106	%		106	%
59		134	%		197	%		227	%		202	%	99		100	%		105	%		105	%		105	%
													100+		100	%		100	%		100	%		100	%

Flexible Term Insurance Option Rider. You may add the FTIO Rider to the policy to provide additional death benefit coverage on the life insured. The FTIO Rider provides flexible term life insurance to attained age 100 with cost of insurance charges less than or equal to those of the policy. The Rider will terminate at the earlier of attained age 100, the date the policy lapses or is surrendered, and your request to cancel the FTIO Rider.

17

You may schedule the death benefit amounts that will apply at specified times (the “Scheduled Death Benefits”). Scheduled Death Benefits may be constant or varying from time to time. The Death Benefit Schedule will be shown in the policy.

The Term Insurance Benefit of the FTIO Rider is equal to (a) minus (b) but not less than zero where:

(a) the Scheduled Death Benefit for the policy month, and

(b) the Face Amount of the policy or, if greater, the policy’s Minimum Death Benefit

Even if the Term Insurance Benefit may be zero in a policy month, the Rider will not terminate.

Example. A policy is purchased for an executive as part of an employee benefit plan. The death benefit provided by the policy is to be equal to the executive’s salary of $100,000 increasing at 5% per year through age 64. Assuming the executive is currently 55, the policy will be issued with a death benefit Schedule as follows:

Policy Year	Scheduled Death Benefit
1		100,000
2		105,000
3		110,250
4		115,763
5		121,551
6		127,628
7		134,010
8		140,710
9		147,746
10+		155,133

The FTIO Rider amount will change each year as necessary to provide the benefits shown in the schedule, as follows:

Policy Year	Total Death Benefit		Face Amount		Flexible Term Insurance Amount
1		100,000		100000		0
2		105,000		100000		5,000
3		110,250		100000		10,250
4		115,763		100000		15,763
5		121,551		100000		21,551
6		127,628		100000		27,628
7		134,010		100000		34,010
8		140,710		100000		40,710
9		147,746		100000		47,746
10		155,133		100000		55,133

Death benefit options. You may choose either of two death benefit Options:

Death Benefit Option 1. The death benefit on any date is the Face Amount of the policy or, if greater, the Minimum Death Benefit, plus the Term Insurance Benefit of the FTIO Rider.

18

Death Benefit Option 2. The death benefit on any date is the Face Amount plus the policy value or, if greater, the Minimum Death Benefit, plus the Term Insurance Benefit of the FTIO Rider.

Changing the death benefit option. You may change the death benefit Option at any time. The change will take effect at the beginning of the next policy month that is at least 30 days after your written request is received at the Service Office. We reserve the right to limit changes that could cause the policy to fail to qualify as life insurance for tax purposes.

A change in the death benefit Option will result in a change in the Face Amount and Scheduled Death Benefits to avoid any change in the amount of death benefit, as follows:

Change from Option 1 to Option 2. The new Face Amount will be the Face Amount prior to the change less the policy value on the date of the change.

• The Scheduled Death Benefit amounts for dates on or after the date of the change will be the amounts scheduled prior to the change less the policy value on the date of the change.

• Coverage amounts will be reduced or eliminated in the order that they are listed in the policy until the total decrease in coverage amounts equals the decrease in Face Amount.

• surrender charge will not be assessed for reductions that are solely due to a change in the death benefit Option.

Example. A policy is issued with a Face amount of $100,000, death benefit Option 1, and the following schedule:

Policy Year	Scheduled Death Benefit
1		100,000
2		125,000
3		150,000
4		175,000
5+		200,000

The death benefit Option is changed to Option 2 at the beginning of policy year 3. If the policy value at the time of the change is $10,000, then the Face Amount after the change will be $90,000 (the Face Amount prior to the change less the policy value) and the Death Benefit Schedule after the change will become:

Policy Year	Scheduled Death Benefit
3		140,000
4		165,000
5+		190,000

Change from Option 2 to Option 1. The new Face Amount will be the Face Amount prior to the change plus the policy value on the date of the change (but the new Face Amount will be no greater than the Scheduled Death Benefit on the date of the change.)

The resulting Face Amount increase will be added to the first coverage amount listed in the policy.

The Annual Premium Target for this coverage amount will not be increased and new surrender charge or sales loads will not apply, however, for an increase solely due to a change in the death benefit Option.

19

Example. A policy is issued with a Face amount of $100,000, death benefit Option 2, and the following schedule:

Policy Year	Scheduled Death Benefit
1		100,000
2		125,000
3		150,000
4		175,000
5+		200,000

The death benefit Option is changed to Option 1 at the beginning of policy year 3. If the policy value at the time of the change is $10,000, then the Face Amount after the change will be $110,000 (the Face Amount prior to the change plus the policy value), and the Death Benefit Schedule after the change will become:

Policy Year	Scheduled Death Benefit
3		160,000
4		185,000
5+		210,000

Changing the Face Amount and scheduled death benefits. At any time, you may request an increase or decrease to the Face Amount or any Scheduled Death Benefits effective on or after the date of change. We reserve the right to limit changes that could cause the policy to fail to qualify as life insurance for tax purposes.

Increases in Face Amount and Scheduled Death Benefits. Increases in Face Amount and Scheduled Death Benefits are subject to the following conditions:

• Increases in Face Amount and Scheduled Death Benefits will require satisfactory evidence of the life insured’s insurability.

• Increases will take effect at the beginning of the next policy month after we approve the request.

• We may refuse a requested increase that would not meet our requirements for new policy issues at the time due to the life insured’s attained age or other factors.

• If the Face Amount is increased (other than as required by a death benefit Option change) then all Scheduled Death Benefits effective on or after the date of the change will be increased by the amount of the Face Amount increase.

Coverage amounts equal to the amount of the increase will be added to the policy as follows:

• First, coverage amounts that were reduced or eliminated by a prior Face Amount decrease will be restored.

• Second, if needed, a new coverage amount will be added to the policy with an Annual Premium Target and new surrender charge or sales loads. Any new coverage amount will be based on the life insured’s attained age and other relevant factors on the effective date of the increase.

Premiums paid on or after the increase may be attributed to the new coverage amount and result in surrender charge or sales loads (see “Charges and Deductions — Attribution of Premiums”).

Decreases in Face Amount and scheduled death benefits. Decreases in Face Amount and scheduled death benefits are subject to the following conditions:

• Decreases in Face Amount and scheduled death benefits will take effect at the beginning of the next policy Month which is at least 30 days after your written request is received at the Service Office.

20

• If the Face Amount is decreased then all scheduled death benefits effective on or after the date of the change will be decreased by the same amount.

• If at any time the scheduled death benefit decreases to less than the Face Amount, the Face Amount will be decreased to be equal to the scheduled death benefit at that time.

• Coverage amounts equal to the amount of the Face Amount decrease will be reduced or eliminated in the reverse order that they are listed in the policy. surrender charge may be assessed (see “Charges and Deductions — Deductions from Premium Payments”).

Decreases in Face Amount under death benefit Option 1 due to a partial withdrawal. If death benefit Option 1 is in effect when a partial withdrawal is made, the Face Amount will be decreased by an amount equal to (a) minus (b) but not less than zero, where:

(a)   is the partial withdrawal amount plus any applicable surrender charge and

(b)   is the excess, if any, of the policy’s Minimum Death Benefit over its Face Amount, immediately prior to the partial withdrawal.

Decreases in Face Amount under death benefit Option 1 due to a Partial Withdrawal are subject to the following conditions:

• Coverage amounts equal to the amount of the Face Amount decrease will be reduced or eliminated in the reverse order that they are listed in the policy.

• All Scheduled Death Benefits effective on or after the date of the partial withdrawal will be decreased by the amount of the Face Amount decrease, unless you request otherwise and we approve.

• A Face Amount decrease due to a partial withdrawal will not incur any surrender charge in addition to that applicable to the partial withdrawal (see “Charges and Deductions — Deductions from premium payments”).

Example for Face Increases and Decreases. A policy is issued with a Face Amount of $100,000, death benefit Option 1, and a Death Benefit Schedule as follows:

Policy Year	Scheduled Death Benefit
1		100,000
2		125,000
3		150,000
4		175,000
5+		200,000

21

Assume the following policy activity:

Activity	Effect on Policy	Change in Benefit Schedule
In policy year 2, the Face Amount is reduced to $80,000.	The initial Coverage amount is reduced to $80,000.	Policy Year	Scheduled Death Benefit
		2	105,000
		3	130,000
		4	155,000
		5+	180,000
In policy year 3, the Face Amount is increased to $120,000	The initial coverage amount (which earlier was reduced to $80,000) is restored to its original level of $100,000. A new coverage amount for $20,000 is added to the policy. This new coverage amount will have its own Annual Premium Target, and if applicable, its own sales load or surrender charge. A portion of the future premiums paid will be attributed to this coverage amount to determine the amount of the sales load or surrender charge.	Policy Year	Scheduled Death Benefit
		3	170,000
		4	195,000
		5+	220,000
In policy year 4, a Partial Withdrawal of $30,000 is made.	The Face Amount is reduced to $90,000. The most recent coverage amount of $20,000 is reduced to $0, and the initial coverage amount is reduced to $90,000.	Policy Year	Scheduled Death Benefit
		4	165,000
		5	190,000

Factors that affect the death benefit. In the case of death benefit Option 2 where the death benefit is the Face Amount plus the policy value, changes in the policy value will affect the amount of death benefit. Factors that affect the policy value are the investment performance of the variable investment accounts chosen and the charges deducted. For a discussion of how these factors affect policy value see the “Risks/Benefits Summary.” These factors do not affect the Face Amount of the policy. Therefore, the amount of death benefit under Option 1 will not be less than the Face Amount as long as the policy does not lapse.

SURRENDERS AND WITHDRAWALS

Surrender and Withdrawal

A policy may be surrendered for its net cash surrender value at any time while the life insured is living. The net cash surrender value is equal to the policy value less any surrender charge, monthly deductions due and Policy Debt. The net cash surrender value will be determined at the end of the Business Day on which we receive the policy and a written request for surrender at the Service Office.

22

When a policy is surrendered, the insurance coverage and all other benefits under the policy will terminate. You may make a partial withdrawal of the net cash surrender value at any time.

Additional Information Regarding Surrender and Withdrawal

You may designate how the withdrawal amount is allocated among the investment account and the fixed account. If you give no instructions, the withdrawal amount will be allocated among the accounts in the same proportion as the policy value in each account bears to the net policy value.

Surrender charges may be assessed on a partial withdrawal. See “Charges and Deductions — Deductions from premium payments.” The death benefit may be reduced as a result of a partial withdrawal.

LOANS

Availability of Loans, Limitations and Interest

At any time while the policy is in force, you may borrow against the policy value. The policy is the only security for the loan. policy loans may have tax consequences. See “TAXES – Policy Loans.”

A policy loan will affect future policy values, since the portion of the policy value in the Loan Account will receive the loan interest credited rate rather than varying with the performance of the underlying portfolios or increasing at the fixed account interest credited rate. A policy loan may cause a policy to be more susceptible to lapse since it reduces the net cash surrender value from which monthly deductions are taken. A policy loan causes the amount payable upon death of the life insured to be reduced by the amount of outstanding Policy Debt.

The amount of any loan cannot exceed the amount that would cause the Policy Debt to equal the Policy’s Cash Surrender Value less the monthly deductions due from the date of the loan to the next policy anniversary.

Interest on the Policy Debt will accrue daily and be payable annually on the policy anniversary. The rate of interest charged will be an effective annual rate of 4%.

When a loan is made, an amount equal to the loan will be deducted from the investment accounts or the fixed account and transferred to the Loan Account. You may designate how this amount is allocated among the Accounts. If you give no instructions, the amount transferred will be allocated among the investment accounts and the fixed account in the same proportion as the policy value in each investment account and the fixed account bears to the net policy value. A transfer from an investment account will result in the cancellation of units of the underlying sub-account equal in value to the amount transferred from the investment account. However, since the Loan Account is part of the policy value, transfers made in connection with a loan will not change the policy value.

Policy value in the Loan Account will earn interest at an effective annual rate guaranteed to be at least 3.25%. We may declare a current interest rate that is greater than this, subject to change at any time. The excess of the loan interest charged rate (4%) over the loan interest credited rates will result in a net charge against the policy value with respect to any Policy Debt.

Currently we credit loan interest rates which vary by policy year as follows:

Policy Years	Current Loan Interest Credited Rates	Excess of Loan Interest Charged Rate
1-10	3.25%	0.75%
11+	3.75%	0.25%

23

On the first day of each policy month the difference between the Loan Account and the Policy Debt is transferred to the Loan Account from the investment accounts or the fixed account. The amount transferred will be allocated to the investment accounts and the fixed account in the same proportion as the policy value in each investment account or the fixed account bears to the net policy value.

Loan Repayments

Policy Debt may be repaid, in whole or in part, at any time prior to the death of the life insured while the policy is in force. A loan repayment amount will be credited to the Loan Account and transferred to the fixed account or the investment accounts in the same proportion as the policy value in each Account bears to the net policy value.

Amounts paid to us not specifically designated in writing as loan repayments will be treated as premiums.

OTHER BENEFITS AVAILABLE UNDER THE POLICY

In addition to the standard death benefits associated with your policy, other standard and/or optional benefits may also be available to you. The following tables summarize information about those benefits. Information about the fees associated with each benefit included in the tables may be found in the FEE TABLE.

STANDARD BENEFITS
Name of Benefit	Purpose	Brief Description of Restrictions/Limitations
Dollar cost averaging	Under the dollar cost averaging program, you will designate an amount that will be transferred monthly from one variable investment account into any other variable investment account or a fixed account.	We reserve the right to cease to offer this program after written notice to you.
Asset allocation balancing	Under the asset allocation balancer program, you will designate a percentage allocation of policy value among variable investment accounts. We will automatically transfer amounts among the variable investment accounts at intervals you select (annually, semi-annually, quarterly, or monthly) to reestablish your chosen allocation.	We reserve the right to cease this program after written notice to you.
OPTIONAL BENEFITS
Name of Benefit	Purpose	Brief Description of Restrictions/Limitations
Flexible Term Insurance Option Rider	You may add the FTIO Rider to the policy to provide additional death benefit coverage on the life insured. The FTIO Rider provides flexible term life insurance to attained age 100 with cost of insurance charges less than or equal to those of the policy.	The Rider will terminate at the earlier of attained age 100, the date the policy lapses or is surrendered, and your request to cancel the FTIO Rider.

More About Certain Optional Benefits

When you apply for a policy, you can request any of the optional supplementary benefit riders that we then make available. Availability of any rider, the benefits it provides and the charges for it may vary by state. Our rules and procedures will govern eligibility for any rider and, in some cases, the configuration of the actual rider benefits.

24

Each rider contains specific details that you should review before you decide to choose the rider. You may request an example illustrating the operation of any of the following optional supplementary benefit riders by contacting the Service Office at 1-800-732-5543. Charges for most riders will be deducted from the policy value. We may change these charges (or the rates that determine them), but not above any applicable maximum amount stated in your policy specifications. We may add to, delete from or modify the list of optional supplementary benefit riders.

Flexible Term Insurance Option Rider. You may add the FTIO Rider to the policy to provide additional death benefit coverage on the life insured. The FTIO Rider provides flexible term life insurance to attained age 100 with cost of insurance charges less than or equal to those of the policy. The Rider will terminate at the earlier of attained age 100, the date the policy lapses or is surrendered, and your request to cancel the FTIO Rider.

You may schedule the death benefit amounts that will apply at specified times (the “Scheduled Death Benefits”). Scheduled Death Benefits may be constant or varying from time to time. The Death Benefit Schedule will be shown in the policy.

The Term Insurance Benefit of the FTIO Rider is equal to (a) minus (b) but not less than zero where:

(a) the Scheduled Death Benefit for the policy month, and

(b) the Face Amount of the policy or, if greater, the policy’s Minimum Death Benefit

Even if the Term Insurance Benefit may be zero in a policy month, the Rider will not terminate.

Example. A policy is purchased for an executive as part of an employee benefit plan. The death benefit provided by the policy is to be equal to the executive’s salary of $100,000 increasing at 5% per year through age 64. Assuming the executive is currently 55, the policy will be issued with a death benefit Schedule as follows:

Policy Year	Scheduled Death Benefit
1		100,000
2		105,000
3		110,250
4		115,763
5		121,551
6		127,628
7		134,010
8		140,710
9		147,746
10+		155,133

25

The FTIO Rider amount will change each year as necessary to provide the benefits shown in the schedule, as follows:

Policy Year	Total Death Benefit		Face Amount		Flexible Term Insurance Amount
1		100,000		100000		0
2		105,000		100000		5,000
3		110,250		100000		10,250
4		115,763		100000		15,763
5		121,551		100000		21,551
6		127,628		100000		27,628
7		134,010		100000		34,010
8		140,710		100000		40,710
9		147,746		100000		47,746
10		155,133		100000		55,133

TAXES

This description of Federal income tax consequences is only a brief summary and is neither exhaustive nor authoritative. It was written to support the promotion of our products. It does not constitute legal or tax advice, and it is not intended to be used and cannot be used to avoid any penalties that may be imposed on you. Tax consequences will vary based on your own particular circumstances, and for further information you should consult a qualified tax adviser. Federal, state and local tax laws, regulations and interpretations can change from time to time. As a result, the tax consequences to you and the beneficiary may be altered, in some cases retroactively. The policy may be used in various arrangements, including non-qualified deferred compensation or salary continuation plans, split dollar insurance plans, executive bonus plans, retiree medical benefit plans and others. The tax consequences of such plans may vary depending on the particular facts and circumstances of each individual arrangement. Therefore, if the value of using the policy in any such arrangement depends in part on the tax consequences, a qualified tax adviser should be consulted for advice.

General

We are taxed as a life insurance company. Under current tax law rules, we include the investment income (exclusive of capital gains) of the Separate Account in our taxable income and take deductions for investment income credited to our policy holder reserves. We are also required to capitalize and amortize certain costs instead of deducting those costs when they are incurred. We do not currently charge the Separate Account for any resulting income tax costs, other than a charge we may impose against the Separate Account to compensate us for the cost of a delay in the deductibility of deferred acquisition costs (the “DAC tax” adjustment) pursuant to section 848 of the Internal Revenue Code. We also claim certain tax credits or deductions relating to foreign taxes paid and dividends received by the series funds. These benefits can be material. We do not pass these benefits through to the Separate Account, principally because: (i) the deductions and credits are allowed to us and not the policy owners under applicable tax law; and (ii) the deductions and credits do not represent investment return on the Separate Account assets that is passed through to policy owners. The policies permit us to deduct a charge for any taxes we incur that are attributable to the operation or existence of the policies or the Separate Account. Currently, we do not anticipate making any specific charge for such taxes other than any DAC tax charge and premium taxes where applicable. If the level of the current taxes increases, however, or is expected to increase in the future, we reserve the right to make a charge in the future.

Death Benefit Proceeds and Other Policy Distributions

Generally, death benefits paid under policies such as yours are not subject to income tax unless policy ownership has been transferred in exchange for payment. Earnings on your policy value are ordinarily not subject to income

26

tax as long as we don’t pay them out to you. If we do pay out any amount of your policy value upon surrender or partial withdrawal, all or part of that distribution would generally be treated as a return of the premiums you’ve paid and not subjected to income tax. Any portion not treated as a return of your premiums would be includible in your income.

Please note that certain distributions associated with a reduction in death benefit or other policy benefits within the first fifteen years after issuance of the policy are ordinarily taxable in whole or in part. Amounts you borrow are generally not taxable to you.

However, some of the tax rules change if your policy becomes a modified endowment contract. This can happen if you’ve paid premiums in excess of limits prescribed by the tax laws. In that case, additional taxes and penalties may be payable for policy distributions of any kind, including loans. (See “7-pay Premium Limit and Modified Endowment Contract Status” below.)

We expect the policy to receive the same Federal income and estate tax treatment as fixed benefit life insurance policies. Section 7702 of the Internal Revenue Code defines a life insurance contract for Federal tax purposes. For a policy to be treated as a life insurance contract, it must satisfy either the cash value accumulation test or the guideline premium test. These tests limit the amount of premium that you may pay into the policy. We will monitor compliance with these standards. If we determine that a policy does not satisfy section 7702, we may take whatever steps are appropriate and reasonable to bring it into compliance with section 7702.

If the policy complies with section 7702, the death benefit proceeds under the policy ordinarily should be excludible from the beneficiary’s gross income under section 101 of the Internal Revenue Code. (As noted above, a transfer of the policy for valuable consideration may limit the exclusion of death benefits from the beneficiary’s income.)

Increases in policy value as a result of interest or investment experience will not be subject to Federal income tax unless and until values are received through actual or deemed distributions. In general, unless the policy is a modified endowment contract, the owner will be taxed only on the amount of distributions that exceed the premiums paid under the policy. An exception to this general rule occurs in the case of a decrease in the policy’s death benefit or any other change that reduces benefits under the policy in the first fifteen years after the policy is issued and that results in a cash distribution to the policy owner. Changes that reduce benefits include partial withdrawals, death benefit option changes, and distributions required to keep the policy in compliance with section 7702. For purposes of this rule any distribution within the two years immediately before a reduction in benefits will also be treated as if it were a result of the reduction. A cash distribution that reduces policy benefits will be taxed in whole or in part (to the extent of any gain in the policy) under rules prescribed in section 7702. The taxable amount is subject to limits prescribed in section 7702(f)(7). Any taxable distribution will be ordinary income to the owner (rather than capital gain).

Distributions for tax purposes include amounts received upon surrender or partial withdrawals, and may include the charges for certain supplementary benefit riders. You may also be deemed to have received a distribution for tax purposes if you assign all or part of your policy rights or change your policy’s ownership.

It is possible that, despite our monitoring, a policy might fail to qualify as a life insurance contract under the Internal Revenue Code. This could happen, for example, if we inadvertently failed to return to you any premium payments that were in excess of amounts permitted under section 7702, or if any of the funds failed to meet certain investment diversification or other requirements of the Internal Revenue Code. If this were to occur, you would be subject to income tax on the income credited to the policy from the date of issue to the date of the disqualification and for subsequent periods.

Tax consequences of ownership or receipt of policy proceeds under Federal, state and local estate, inheritance, gift and other tax laws will depend on the circumstances of each owner or beneficiary. If the person insured by

27

the policy is also its owner, either directly or indirectly through an entity such as a revocable trust, the death benefit will be includible in his or her estate for purposes of the Federal estate tax. If the owner is not the person insured, the value of the policy will be includible in the owner’s estate upon his or her death. Even if ownership has been transferred, the death proceeds or the policy value may be includible in the former owner’s estate if the transfer occurred less than three years before the former owner’s death or if the former owner retained certain kinds of control over the policy. You should consult your tax adviser regarding these possible tax consequences.

Because there may be unfavorable tax consequences (including recognition of taxable income and the loss of income tax-free treatment for any death benefit payable to the beneficiary), you should consult a qualified tax adviser prior to changing the policy’s ownership or making any assignment of ownership interests.

Policy Loans

We expect that, except as noted below (see “7-pay Premium Limit and Modified Endowment Contract Status”), loans received under the policy will be treated as indebtedness of an owner and that no part of any loan will constitute income to the owner. However, if the policy terminates for any reason other than the payment of the death benefit, an amount equal to any outstanding loan that was not previously considered income will be treated as if it had been distributed to the owner upon such termination. This could result in a considerable tax bill. Under certain circumstances involving large amounts of outstanding loans, you might find yourself having to choose between high premiums required to keep your policy from lapsing and a significant tax burden if you allow the lapse to occur.

Diversification Rules and Ownership of the Separate Account

Your policy will not qualify for the tax benefits of a life insurance contract unless the Separate Account follows certain rules requiring diversification of investments underlying the policy. In addition, the rules require that the policy owner not have “investor control” over the underlying assets.

In certain circumstances, the owner of a variable life insurance policy may be considered the owner, for Federal income tax purposes, of the assets of the Separate Account used to support the policy. In those circumstances, income and gains from the Separate Account assets would be includible in the policy owner’s gross income. The Internal Revenue Service (“IRS”) has stated in published rulings that a variable policy owner will be considered the owner of Separate Account assets if the policy owner possesses incidents of ownership in those assets, such as the ability to exercise investment control over the assets. A Treasury Decision issued in 1986 (T.D. 8101) stated that guidance would be issued in the form of regulations or rulings on “the extent to which policyholders may direct their investments to particular sub-accounts of a Separate Account without being treated as owners of the underlying assets.” As of the date of this prospectus, no comprehensive guidance on this point has been issued. In Rev. Rul. 2003-91, however, the IRS ruled that a contract holder would not be treated as the owner of assets underlying a variable life insurance or annuity contract despite the owner’s ability to allocate funds among as many as twenty subaccounts.

The ownership rights under your policy are similar to, but different in certain respects from, those described in IRS rulings in which it was determined that policyholders were not owners of Separate Account assets. Since you have greater flexibility in allocating premiums and policy values than was the case in those rulings, it is possible that you would be treated as the owner of your policy’s proportionate share of the assets of the Separate Account.

We do not know what future Treasury Department regulations or other guidance may require. We cannot guarantee that the funds will be able to operate as currently described in the series funds’ prospectuses, or that a series fund will not have to change any fund’s investment objectives or policies. We have reserved the right to modify your policy if we believe doing so will prevent you from being considered the owner of your policy’s proportionate share of the assets of the Separate Account, but we are under no obligation to do so.

28

7-pay Premium Limit and Modified Endowment Contract Status

At the time of policy issuance, we will determine whether the Planned Premium schedule will exceed the 7-pay limit discussed below. If so, our standard procedures prohibit issuance of the policy unless you sign a form acknowledging that fact.

The 7-pay limit at any time during the first seven contract years is the total of net level premiums that would have been payable at or before that time under a comparable fixed policy that would be fully “paid-up” after the payment of seven equal annual premiums. “Paid-up” means that no further premiums would be required to continue the coverage in force until maturity, based on certain prescribed assumptions. If the total premiums paid at any time during the first seven policy years exceed the 7-pay limit, the policy will be treated as a modified endowment contract, which can have adverse tax consequences.

Policies classified as modified endowment contracts are subject to the following tax rules:

• First, all withdrawals from such a policy are treated as ordinary income subject to tax up to the amount equal to the excess (if any) of the policy value immediately before the withdrawal over the investment in the policy at such time. If you own any other modified endowment contracts issued to you in the same calendar year by the same insurance company or its affiliates, their values will be combined with the value of the policy from which you take the withdrawal for purposes of determining how much of the withdrawal is taxable as ordinary income.

• Second, loans taken from or secured by such a policy and assignments or pledges of any part of its value are treated as partial withdrawals from the policy and taxed accordingly. Past-due loan interest that is added to the loan amount is treated as an additional loan.

• Third, a 10% additional penalty tax is imposed on the portion of any distribution (including distributions on surrender) from, or loan taken from or secured by, such a policy that is included in income except where the distribution or loan:

• is made on or after the date on which the policy owner attains age 59¹⁄₂ or

• is attributable to the policy owner becoming disabled.

These exceptions to the 10% additional tax do not apply in situations where the policy is not owned by an individual.

Furthermore, any time there is a “material change” in a policy, the policy will begin a new 7-pay testing period as if it were a newly- issued policy. The material change rules for determining whether a policy is a modified endowment contract are complex. In general, however, the determination of whether a policy will be a modified endowment contract after a material change depends upon the relationship among the death benefit of the policy at the time of such change, the policy value at the time of the change, and the additional premiums paid into the policy during the seven years starting with the date on which the material change occurs.

Moreover, under a policy insuring a single life, if there is a reduction in benefits (such as a reduction in the death benefit or the reduction or cancellation of certain rider benefits) during a 7-pay testing period, the 7-pay limit will generally be recalculated based on the reduced benefits and the policy will be re-tested from the beginning of the 7-pay testing period using the lower limit. If the premiums paid to date at any point during the 7-pay testing period are greater than the recalculated 7-pay limit, the policy will become a modified endowment contract. If your policy is a survivorship policy, a reduction in benefits under the policy at any time will require re-testing. For such a policy the 7-pay limit will generally be recalculated based on the reduced benefits and the policy will be re-tested, using the lower limit, from the date it was issued. You should consult your tax adviser if you have questions regarding the possible impact of the 7-pay limit on your policy.

If your policy is issued as a result of an exchange subject to section 1035 of the Internal Revenue Code, it may be considered to be a modified endowment contract if the death benefit under the new policy is smaller than the

29

death benefit under the exchanged policy, or if you reduce coverage in your new policy after it is issued. Therefore, if you desire to reduce the face amount as part of a 1035 exchange, a qualified tax adviser should be consulted for advice. A new policy issued in exchange for a modified endowment contract will also be a modified endowment contract regardless of any change in the death benefit.

All modified endowment contracts issued by the same insurer (or its affiliates) to the same owner during any calendar year generally are required to be treated as one contract for the purpose of applying the rules on taxation of withdrawals from modified endowment contracts. You should consult your tax adviser if you have questions regarding the possible impact of the 7-pay limit on your policy.

Corporate and H.R. 10 Retirement Plans

The policy may be acquired in connection with the funding of retirement plans satisfying the qualification requirements of section 401 of the Internal Revenue Code. If so, the Internal Revenue Code provisions relating to such plans and life insurance benefits thereunder should be carefully scrutinized. We are not responsible for compliance with the terms of any such plan or with the requirements of applicable provisions of the Internal Revenue Code.

Withholding

To the extent that policy distributions to you are taxable, they are generally subject to withholding for your Federal income tax liability. However if you reside in the United States, you can generally choose not to have tax withheld from distributions. Electing to have no withholding will not reduce your tax liability and may expose you to penalties under the rules governing payment of estimated taxes.

Life Insurance Purchases by Residents of Puerto Rico

In Rev. Rul. 2004-75, 2004-31 I.R.B. 109, the Internal Revenue Service ruled that income received by residents of Puerto Rico under a life insurance policy issued by a United States company is U.S.-source income that is subject to United States Federal income tax.

Life Insurance Purchases by Non-resident Aliens

If you are not a U.S. citizen, U.S. resident alien or other U.S. person, you will generally be subject to U.S. Federal withholding tax on taxable distributions from life insurance policies at a 30% rate, unless a lower treaty rate applies. In addition, you may be subject to state and/or municipal taxes and taxes imposed by your country of citizenship or residence. You should consult with a qualified tax adviser before purchasing a policy.

Life Insurance Owned by Citizens or Residents Living Abroad

If you are a U.S. citizen or permanent resident living outside the United States, you are still subject to income taxation by the United States. Since many countries tax on the basis of domicile, you may also be subject to tax in the country or territory in which you are living. The tax-deferred accumulation of gain that a life insurance policy provides under United States tax law may not be available under the tax laws of the country in which you are living. If you are living outside the United States or planning to do so, you should consult with a qualified tax adviser before purchasing or retaining ownership of a policy. If your policy is issued as a result of an exchange of a policy owned or issued outside the United States, the country or territory in which you reside may still tax you on the surrender of the policy replaced through the exchange. You should consult with a qualified tax adviser before exchanging your policy issued outside of the United States for one issued within the United States.

30

PRINCIPAL RISKS OF INVESTING IN THE POLICY

Lapse Risk

If the net cash surrender value is insufficient to pay the charges when due your policy can terminate (i.e., “lapse”). For example, this can happen because you haven’t paid enough premium, because the performance of the variable investment or general account options you’ve chosen has been poor, or because of a combination of all factors. Since withdrawals and policy charges reduce your policy value, these also increase the risk of lapse. Policy loans also increase the risk of lapse. There is no guarantee that your policy will not lapse even if you pay your planned premium.

Investment Risk/Risk of Loss

The policy offers a number of variable investment accounts, as listed in the APPENDIX. The investment performance of any variable investment account may be good or bad, and you may lose money on amounts you invest in a policy. Your policy value will increase or decrease based on the investment performance of the variable investment accounts you’ve chosen. The variable investment accounts cover a broad spectrum of investment styles and strategies, some variable investment accounts are riskier than others. These risks (and potential rewards) are discussed in detail in the prospectuses of the portfolios. The death benefit may also increase or decrease with investment experience.

An investment in a policy is also subject to risks related to John Hancock USA, including that the obligations (including under the fixed account option), guarantees, or benefits are subject to the claims-paying ability of John Hancock USA. Information about John Hancock USA, including its financial strength ratings, is available upon request from your John Hancock USA representative. Our current financial strength ratings can also be obtained by contacting the Service Office at 1-800-732-5543.

Transfer Risk

There is a risk that you will not be able to transfer your policy value from one variable investment account to another because of limitations on the dollar amount or frequency of transfers you can make. The limitations on transfers out of the fixed account are more restrictive than those that apply to transfers out of variable investment accounts. If you purchase certain supplementary benefit riders you will be subject to special transfer restrictions.

To discourage market timing and disruptive trading activity, we impose restrictions on transfers and reserve the right to change, suspend or terminate telephone, facsimile and internet transaction privileges. While we seek to identify and prevent disruptive trading activity, it may not always be possible to do so. Therefore, no assurance can be given that the restrictions we impose will be successful in preventing all disruptive trading and avoiding harm to long term investors.

Early Surrender or Withdrawal Risk/ Not a Short-Term Investment

This policy is not a short-term investment and is not appropriate for an investor who needs ready access to cash. Depending on the policy value at the time you are considering surrender, there may be little or no surrender value payable to you.

Tax Risks

In order for you to receive the tax benefits extended to life insurance under the Code, your policy must comply with certain requirements of the Code. We will monitor your policy for compliance with these requirements, but a policy might fail to qualify as life insurance in spite of our monitoring, which can have adverse tax consequences. If the policy were determined not to qualify as life insurance under the Code, you would be taxed on any income or gains those assets generate. In other words, you would lose the value of the so-called “tax-deferred inside build-up” that is a major benefit of life insurance.

31

There is a tax risk associated with policy loans. Although no part of a loan is treated as income to you when the loan is made unless your policy is a “modified endowment contract,” surrender or lapse of the policy with a loan outstanding would result in the loan being treated as a distribution at the time of lapse or surrender. This could result in a considerable tax bill. Under certain circumstances involving large amounts of outstanding loans and an insured person of advanced age, you might find yourself having to choose between high premium requirements to keep your policy from lapsing and a significant tax burden if you allow the lapse to occur.

Tax consequences of ownership or receipt of policy proceeds (including surrender or withdrawal proceeds) under Federal, state and local estate, inheritance, gift and other tax laws can vary greatly depending upon the circumstances of each owner or beneficiary. There can also be unfavorable tax consequences on such things as the change of policy ownership or assignment of ownership interests. For these and all the other reasons mentioned above, we recommend you consult with a qualified tax adviser before buying the policy and before exercising certain rights under the policy.

ADDITIONAL INFORMATION REGARDING THE POLICY

Charges and Deductions

Under the policies, we deduct the charges discussed immediately below under “Deductions from premium payments” and “Deductions from policy value.” Although the Fee Table in this prospectus provides disclosure about the maximum rates we are permitted to charge, we currently deduct some of the charges at less than those maximum rates. As a general matter, however, we also are permitted to increase or decrease the rate at which we are deducting any charge, provided that the rate can never exceed the maximum set forth in your policy (including in any applicable supplementary benefit rider) and as disclosed in the Fee Table. By contacting the John Hancock USA Service Office or your John Hancock USA representative at any time, you can obtain information about the then-current rate of any charges that are applicable to your particular circumstances and/or obtain a personalized illustration that will demonstrate the manner in which those specific current charges impact the values under your policy.

Deductions from premium payments.

Premium load - We will deduct a Premium Load as a percentage of each premium payment that is guaranteed never to exceed 2.0%. Currently, we waive this load in policy years 11 and later and charge 0%. The charge is intended to cover a portion of the aggregate amount of various taxes and fees we pay to federal, state and local governments. It is not based on the actual premium tax rate of your state of residence or any other specific tax.

Sales Load or Surrender Charge - Each coverage amount listed in the policy is designated as having either a sales load or surrender charge. One or the other of these charges will apply to a coverage amount, but not both. This designation cannot be changed after a coverage amount is effective and, currently, the same alternative must apply to all coverage amounts.

Generally, policy benefits will be approximately equal in present value under either alternative. However, there is no guarantee each alternative will perform the same in all circumstances. Therefore, you should obtain individualized illustrations for both charge structures. Current cost of insurance rates in early policy years will be higher for the surrender charge alternative.

The sales load or surrender charge is intended to cover a portion of our costs of marketing and distributing the policies.

Attribution of Premiums - An Annual Premium Target is associated with each coverage amount. Annual Premium Targets are based on the coverage amount and the life insured’s attained age, sex and smoking status on the effective date of the coverage amount. The Annual Premium Targets are listed with the coverage amounts in the policy.

32

Premium payments will be attributed to coverage amounts that have been in effect for less than 5 years. Attribution will begin with the first applicable coverage amount that is listed in the policy. The sum of all premium amounts attributed to a coverage amount in a coverage year is limited to the Annual Premium Target shown in the policy. Premium amounts that exceed the Annual Premium Target will be attributed to the next listed coverage amount, up to its own Annual Premium Target. Attribution will continue in this manner until either the entire premium is attributed to coverage amounts or the Annual Premium Target is exceeded for all applicable coverage amounts.

Sales load. We deduct a sales load from all premium amounts attributed to a coverage amount designated as having a sales load. The sales load is a percentage of premiums guaranteed never to exceed the percentages below.

Currently we are charging these percentages.

Coverage Year	Percentage	Coverage Year	Percentage
1	8%	4	2%
2	6%	5	1%
3	3%	6+	0%

Surrender charge. We will deduct a surrender charge from the net policy value upon elimination or reduction of a coverage amount designated as having a surrender charge during the first 9 coverage years. Coverage amounts may be eliminated or reduced and a surrender charge assessed due to:

• surrender of the policy for its net cash surrender value,

• a partial withdrawal which exceeds the Free Partial Withdrawal Amount,

• a Face Amount decrease that is not solely due to a death benefit Option change, or

• lapse of the policy.

The surrender charge for an applicable coverage amount is a percentage of the sum of all premiums attributed to it since its effective date. Surrender charge percentages are guaranteed never to exceed those below. Currently, we are charging these percentages:

Coverage Year	Percentage			Coverage Year			Percentage
1		5.0	%		6			1.5	%
2		4.0	%		7			1.0	%
3		3.0	%		8			1.0	%
4		2.5	%		9			0.5	%
5		2.0	%		10	+		0.0	%

Although the surrender charge percentages remain level or decrease as the coverage year increases, the total dollar amount of surrender charge may increase, as the total premium paid increases. Premiums paid in any coverage year in excess of the Annual Premium Target and premiums paid after the fifth coverage year may not add to the surrender charge, so the timing of premium payments may affect the amount of the surrender charge.

Deductions from policy value.

Administration charge - A monthly charge to help cover our administrative costs. This is a flat dollar charge of $12. This charge is intended to cover certain administrative expenses associated with the policy, including maintaining policy records, collecting premiums and processing death claims, surrender and withdrawal requests and various changes permitted under a policy.

33

Cost of insurance charge - A monthly charge for the cost of insurance is paid to the Company and is determined by multiplying a cost of insurance rate by the net amount at risk at the beginning of each policy month.

Death Benefit Option 1. The net amount at risk is equal to the greater of zero, or (a) minus (b), where

(a) is the applicable death benefit amount on the first day of the policy month, divided by 1.0024663; and

(b) is the Policy Value attributed to that death benefit amount on the first day of the policy month.

Death Benefit Option 2. The net amount at risk is equal to the Face Amount of insurance.

Cost of insurance rates and net amounts at risk are determined separately for each coverage amount and for the excess of the death benefit over the Face Amount (the Face Amount is the sum of the coverage amounts).

Attribution of policy value to net amounts at risk - To determine the net amounts at risk, the policy value will be attributed to coverage amounts in the order listed in the policy. The amount of policy value attributed to a coverage amount will be limited to the amount that results in zero net amount at risk, and any excess policy value will then be attributed to the next listed coverage amount. Attribution will continue in this manner until either the entire policy value is attributed or the end of the list of coverage amounts is reached. Any remaining policy value will then be attributed to the excess of the death benefit over the Face Amount.

Cost of insurance rates - Cost of insurance rates are determined separately for each coverage amount and the excess of the death benefit over the Face Amount. There are different current cost of insurance rate bases for:

• Coverage amounts having sales loads,

• Coverage amounts having surrender charge, and

• The excess of the death benefit over the Face Amount, including any Term Insurance Benefit under the FTIO Rider.

The cost of insurance rate in a specific policy month for an applicable death benefit amount will depend on:

• the cost of insurance rate basis for the applicable death benefit amount,

• the life insured’s attained age, sex (unless unisex rates are required by law) and smoking status on the effective date of the applicable death benefit amount,

• the underwriting class of the applicable death benefit amount,

• the coverage year, or policy year for the excess of the death benefit over the Face Amount,

• any extra charges for substandard ratings, as stated in the policy.

Since the net amount at risk for death benefit Option 1 is based on a formula that includes as factors the policy value, the net amount at risk is affected by the investment performance of the underlying investment options chosen, payment of premiums and charges assessed.

Cost of insurance rates will generally increase with the life insured’s age and the coverage year.

Cost of insurance rates reflect our expectation as to future mortality experience. They are also intended to cover our general costs of providing the policy, to the extent that these costs are not covered by other charges. Current cost of insurance rates may be changed by us on a basis that does not unfairly discriminate within the class of lives insured.

Guaranteed maximum cost of insurance rates. In no event will the cost of insurance rates we charge exceed the guaranteed maximum rates set forth in the policy, except to the extent that an extra charge is imposed for a

34

substandard rating. The guaranteed rates are the based on 1980 Commissioners Standard Ordinary Sex Distinct (unless unisex rates are required by law) ANB Aggregate Ultimate Mortality Tables. Current cost of insurance rates may be less than the guaranteed rates.

Asset-based risk charge - We assess a daily charge against amounts in the investment accounts. This charge is intended to compensate us for insurance risks we assume under the policy, such as benefit payments and expenses that are higher than we expected. We will realize a gain from this charge to the extent it is not needed to provide benefits and pay expenses under the policy.

The charge is a percentage of amounts in the investment accounts, which will reduce Unit Values of the sub-accounts. The charge is guaranteed never to exceed an annual rate of 0.50%. Currently, we charge the following rates:

Policy Year	Annual Rate
1-10	0.50%
11+	0.25%

Supplementary benefit rider charges - A charge for any supplementary insurance benefits added to the policy by means of a rider. Maximum charges for the various riders are shown in the Fee Table above under “Transaction Fees” or “Periodic Charges Other than Annual Portfolio Expenses,” as appropriate. These charges are also specified in the rider’s provisions or the policy specifications. You can obtain information about the specific charges applicable to you from your John Hancock USA representative.

Loan interest charge - We will charge interest on any amount you borrow from your policy. The interest charged on any loan is an effective annual rate of 3.75% in the first ten policy years and 3.00% thereafter. However, we reserve the right to increase the percentage after the tenth policy year to as much as 3.25%.

Transfer fee - We currently do not impose a fee upon transfers of policy value among the variable investment accounts but reserve the right to impose a fee of up to $25.00 for any transfer beyond an annual limit (which will not be less than 12) to compensate us for the costs of processing these transfers.

Charges at the portfolio level. The portfolios must pay investment management fees and other operating expenses from portfolio assets. These fees and expenses are different for each portfolio and reduce the investment return of each portfolio. Therefore, they also indirectly reduce the return you will earn on any variable investment accounts you select. Expenses of the portfolios are not fixed or specified under the terms of the policy, and those expenses may vary from year to year. See APPENDIX.

Additional Information About How Certain Policy Charges Work

The policy is designed for employers and other sponsoring organizations that may purchase multiple policies as a Case. The size or nature of the Case may result in expected savings of sales, underwriting, administrative or other costs. If so, we expect to offer reductions of policy charges and enhancements of surrender value. Eligibility for reductions and enhancements and the amounts available will be determined by a number of factors, including the number of lives to be insured, the total premiums expected to be paid, total assets under management for the policy owner, the nature of the relationship among the lives insured, the purpose for which the policies are being purchased, expected persistency of the individual policies, and any other circumstances which we believe to be relevant to the expected reduction of our expenses. Some of reductions and enhancements may be guaranteed and others may be subject to restrictions or to withdrawal or modification, on a uniform case basis. We may change the nature and amount of reductions and enhancements available from time to time. Reductions and enhancements will be determined in a way that is not unfairly discriminatory to policy owners.

35

Other Charges We Could Impose in the Future

Currently, we make no specific charge for any federal, state, or local taxes that we incur that may be attributable to such Account or to the policy. We reserve the right in the future to make a charge for any such tax or other economic burden resulting from the application of tax laws that we determines to be attributable to the Separate Account or to the policy.

Commissions Paid to Dealers

We pay compensation to broker-dealers for the promotion and sale of the policies, and for providing ongoing service in relation to policies that have already been purchased. We may also pay a limited number of broker-dealers commissions or overrides to “wholesale” the policies; that is, to provide marketing support and training services to the broker-dealer firms that do the actual selling. The compensation paid is not expected to exceed 15% of target premium paid in the first policy year, 9% of target paid in years 2-5, and 2.5% paid thereafter. Compensation on any premium paid in excess of target premium in any year will not exceed 2.5%. This compensation schedule is exclusive of additional compensation and revenue sharing and inclusive of overrides and expense allowances paid to broker-dealers for sale of the policies (not including riders). Under their own arrangements, broker-dealers determine how much of any amounts received from us is to be paid to their registered representatives.

To the extent permitted by SEC and Financial Industry Regulatory Authority (“FINRA”) rules and other applicable laws and regulations, we may enter into special compensation or reimbursement arrangements (“revenue sharing”), either directly or through JH Distributors, with selected broker-dealers and other financial intermediaries. In consideration of these arrangements, a firm may feature our policy in its sales system, give us preferential access to sales staff, or allow JH Distributors or its affiliates to participate in conferences, seminars or other programs attended by the firm’s sales force. We hope to benefit from these revenue sharing and other arrangements through increased sales of our policies.

Selling broker-dealers and other financial intermediaries may receive, directly or indirectly, additional payments in the form of cash, other compensation or reimbursement. These additional compensation or reimbursement arrangements may include, for example, payments in connection with the firm’s “due diligence” examination of the policies, payments for providing conferences or seminars, sales or training programs for invited registered representatives and other employees, payment for travel expenses, including lodging, incurred by registered representatives and other employees for such seminars or training programs, seminars for the public or client seminars, advertising and sales campaigns regarding the policies, payments to assist a firm in connection with its systems, operations and marketing expenses and/or other events or activities sponsored by the firms. We may contribute to, as well as sponsor, various educational programs, sales promotions, and/or other contests in which participating firms and their sales persons may receive gifts and prizes such as merchandise, cash or other rewards as may be permitted under FINRA rules and other applicable laws and regulations.

You should contact your registered representative for more information on compensation arrangements in connection with your purchase of a policy. We provide additional information on special compensation or reimbursement arrangements involving broker- dealers and other financial intermediaries in the Statement of Additional Information (the “SAI”).

Lapse and Reinstatement

Lapse. A policy will go into default if at the beginning of any policy month the policy’s net cash surrender value would be zero or below after deducting the monthly deductions then due. Therefore, a policy could lapse eventually if increases in policy value (prior to deduction of policy charges) are not sufficient to cover policy charges.

36

Reinstatement. By making a written request, you can reinstate a policy that has gone into default and terminated at any time within the five-year period following the date of termination subject to the following conditions:

(a) You must provide to us evidence of the insured person’s insurability that is satisfactory to us; and

(b) You must pay a premium equal to the amount that was required to bring the policy out of default immediately prior to termination, plus the amount needed to keep the policy in force for at least the next three policy months.

If the reinstatement is approved, the date of reinstatement will be the later of the date we approve your request or the date the required payment is received at our Service Office. In addition, any surrender charges will be reinstated to the amount they were at the date of default. The policy value on the date of reinstatement, prior to the crediting of any net premium paid in connection with the reinstatement, will be equal to the policy value on the date the policy terminated. Any policy debt not paid upon termination of a policy will be reinstated if the policy is reinstated.

Generally, the suicide exclusion and incontestability provisions will apply from the effective date of reinstatement. A surrendered policy cannot be reinstated.

Variations

Insurance laws and regulations apply to us in every state in which our policies are sold. As a result, terms and conditions of your insurance coverage may vary depending on where you purchase a policy. Specific variations from the information appearing in this prospectus which are required due to insurance laws and regulations are contained in your policy, or in riders or endorsements attached to your policy. You should refer to your policy for these state specific features.

We may vary the charges and other terms of our policies where special circumstances result in sales or administrative expenses, mortality risks or other risks that are different from those normally associated with the policies, subject to the maximum charges described in this prospectus. For example, with respect to policies issued to a class of associated individuals or to a trustee, employer or similar entity where we anticipate that the sales to the members of the class will result in lower than normal sales or administrative expenses, lower taxes or lower risks to us, we may offer the policies with reduced charges or with additional or enhanced features or benefits. We will make these programs available in accordance with our established administrative procedures in effect at the time of the application for a policy. The factors we consider in determining the eligibility of a particular group for such a program are: (i) the nature of the association and its organizational framework; (ii) the method by which sales will be made to the members of the class; (iii) the facility with which premiums will be collected from the associated individuals and the association’s capabilities with respect to administrative tasks; (iv) the anticipated lapse and surrender rates of the policies; (v) the size of the class of associated individuals and the number of years it has been in existence; (vi) the aggregate amount of premiums paid; and (vii) any other such circumstances which result in a reduction in sales or administrative expenses, lower taxes or lower risks. Any reduction in charges or feature or benefit enhancement will be reasonable and will apply uniformly to all prospective policy investors in the class and will not unfairly discriminate against any owner.

Policy or Separate Account Changes

We reserve the right to make any changes in the policy necessary to ensure the policy is within the definition of life insurance under the Federal tax laws and is in compliance with any changes in Federal or state tax laws.

In our policies, we reserve the right to make certain changes if they would serve the best interests of policy owners or would be appropriate in carrying out the purposes of the policies. These changes include the following:

• Changes necessary to comply with or obtain or continue exemptions under the Federal securities laws

• Adding or removing fixed accounts or variable investment accounts

37

• Combining variable investment accounts

• Closing the variable investment accounts to new allocations or transfers

• Changes in the form of organization of any separate account

Any such changes will be made only to the extent permitted by applicable laws and only in the manner permitted by such laws. When required by law, we will obtain your approval of the changes and the approval of any appropriate regulatory authority.

We also reserve the right, subject to compliance with applicable law, including approval of owners if so required, (1) to transfer assets determined by John Hancock USA to be associated with the class of policies to which your policy belongs from the Separate Account to another separate account or subaccount, (2) to deregister the Separate Account under the 1940 Act, (3) to substitute for the fund shares held by a subaccount any other investment permitted by law, and (4) to take any action necessary to comply with or obtain any exemptions from the 1940 Act. Any such change will be made only if, in our judgment, the change would best serve the interests of owners of policies in your policy class or would be appropriate in carrying out the purposes of such policies. We would notify owners of any of the foregoing changes and to the extent legally required, obtain approval of affected owners and any regulatory body prior thereto. Such notice and approval, however, may not be legally required in all cases.

When We Pay Policy Proceeds

We will ordinarily pay any death benefit, withdrawal, surrender value or loan within seven days after we receive the last required form or request (and, with respect to the death benefit, any other documentation that may be required). You may choose to receive proceeds from the policy as a single sum. If we do not have information about the desired manner of payment within seven days after the date we receive documentation of the insured person’s death, we will pay the proceeds as a single sum. As permitted by state law and our current administrative procedures, death claim proceeds may be placed into an interest-bearing John Hancock retained asset account in the beneficiary’s name. The interest earned in a John Hancock retained asset account is normally subject to income tax. You should consult with your tax advisor if you have any questions regarding taxation of the interest earned. We will provide the beneficiary with a checkbook, so checks may be written for all or a part of the proceeds. The retained asset account is part of our general account and is subject to the claims of our creditors. It is not a bank account and it is not insured by the FDIC. We may receive a benefit from managing proceeds held in a retained asset account. Alternatively, you can elect to have proceeds of $1,000 or more applied to any of the other payment options we may offer at the time. You cannot choose an option if the monthly payments under the option would be less than $50. We will issue a supplementary agreement when the proceeds are applied to any alternative payment option. That agreement will spell out terms of the option in full. Please contact our Service Office for more information.

We reserve the right to defer payment of that portion of your policy value that is attributable to a premium payment made by check for a reasonable period of time (not to exceed fifteen days) to allow the check to clear the banking system. We will not delay payment longer than necessary for us to verify a check has cleared the banking system.

We reserve the right to defer payment of any death benefit, loan or other distribution that is derived from a variable investment account if (1) the NYSE is closed (other than customary weekend and holiday closings) or trading on the NYSE is restricted; (2) an emergency exists, as determined by the SEC, as a result of which disposal of securities is not reasonably practicable or it is not reasonably practicable to fairly determine the policy value; or (3) the SEC by order permits the delay for the protection of owners. Transfers and allocations of policy value among the variable investment accounts may also be postponed under these circumstances. If we need to defer calculation of separate account values for any of the foregoing reasons, all delayed transactions will be processed at the next values that we do compute.

38

State laws allow us to defer payment of any portion of the net cash surrender value derived from the fixed account for up to six months. These laws were enacted many years ago to help insurance companies in the event of a liquidity crisis.

Coverage at and After Age 100

At and after the policy anniversary nearest the insured person’s 100th birthday, the following will occur:

• We will stop any monthly deduction charges.

• We will stop accepting any premium payments.

• We will no longer process withdrawals.

• We will continue to credit interest to a fixed account.

• We will not allow any new loans and loan interest will continue to be charged if there is an outstanding loan.

GENERAL DESCRIPTION OF REGISTRANT, DEPOSITOR AND PORTFOLIOS

Depositor

Your policy is issued by John Hancock Life Insurance Company (U.S.A.), 200 Berkeley St., Boston, MA 02116.

Registrant

The “registrant” of the policies with the SEC is the John Hancock Life Insurance Company (U.S.A.) Separate Account N, a separate account operated by us under Michigan law (the “Separate Account”). Each subaccount of the Separate Account invests its assets in one of the portfolios shown in the APPENDIX.

The Separate Account’s assets are our property. Each policy provides that amounts we hold in the Separate Account pursuant to the policies cannot be reached by any other persons who may have claims against us and can’t be used to pay any obligations of John Hancock USA other than those arising out of policies that use the Separate Account. Income, gains and losses credited to, or charged against, the Separate Account reflect the Separate Account’s own investment experience and not the investment experience of John Hancock USA’s other assets. All obligations under the policies (including under any fixed account options), guarantees, or benefits are obligations of John Hancock USA and are subject to its claims paying ability.

We normally compute policy values for each business day as of the close of the NYSE on that day (usually 4:00 p.m. Eastern time). In case of emergency or other disruption resulting in the NYSE closing at a time other than the regularly scheduled close, the close of our business day may be the regularly scheduled close of the NYSE or another time permitted by the SEC and applicable regulations. Over time, the amount you’ve invested in any variable investment account will increase or decrease the same as if you had invested the same amount directly in the corresponding portfolio and had reinvested all of that portfolios’ dividends and distributions in additional portfolio shares, except that we will deduct certain additional charges which will reduce your policy value. We describe these charges under “Charges at the portfolio level.” For certain policy years, we also will apply a policy credit to your policy value.

Portfolios

Information regarding each portfolio, including (i) its name; (ii) its investment objective; (iii) its investment adviser and any sub- investment adviser; (iv) current expenses; and (v)  performance is available in the APPENDIX to this prospectus. Each portfolio has issued a prospectus that contains more detailed information about the portfolio. You can obtain the prospectus (hard copy or electronic) and additional information about any

39

portfolio, at the addresses or phone number set forth in the first paragraph of the APPENDIX. On each business day, shares of each series are purchased or redeemed by us for each subaccount based on, among other things, the amount of net premiums allocated to the subaccount, distributions reinvested, and transfers to, from and among subaccounts, all to be effected as of that date. Such purchases and redemptions are effected at each series fund’s net asset value per share determined for that same date. A “business day” is any date on which the NYSE is open for trading.

We will purchase and redeem series fund shares for the Separate Account at their net asset value without any sales or redemption charges. Shares of a series fund represent an interest in one of the funds of the series fund which corresponds to a subaccount of the Separate Account. Any dividend or capital gains distributions received by the Separate Account will be reinvested in shares of that same fund at their net asset value as of the dates paid. We normally calculate the unit values for each variable investment account once every business day as of the close of that day, usually 4:00 p.m. Eastern time. Sales and redemptions within any variable investment account will be transacted using the unit value calculated as follows after we receive your request either in writing or other form that we specify: If we receive your request before the close of our business day, we’ll use the unit value calculated as of the end of that business day. If we receive your request at or after the close of our business day, we’ll use the unit value calculated as of the end of the next business day. If a scheduled transaction falls on a day that is not a business day, we’ll process it as of the end of the next business day.

Voting Portfolio Shares

We will vote all portfolio shares that we hold in the Separate Account for policy owners in proportion to instructions timely received by us from policy owners from all our Separate Accounts that are registered with the SEC under the 1940 Act. We will vote all portfolio shares that we otherwise are entitled to vote (including our own shares and other shares for which we receive no instructions) on any matter in proportion to the instructions timely received by us and any affiliated insurance companies with respect to the matter from policy owners in separate accounts of these insurance companies that are registered with the SEC under the 1940 Act. The effect of this proportional voting is that a small number of policy owners can determine the outcome of a vote. The voting privileges described above reflect our understanding of applicable Federal securities law requirements. To the extent that applicable law, regulations or interpretations change to eliminate or restrict the need for such voting privileges, we reserve the right to proceed in accordance with any such revised requirements.

We will determine the number of portfolio shares for which voting instructions may be given not more than 90 days prior to the meeting. Proxy material will be distributed to each person having the voting interest under the policy together with appropriate forms for giving voting instructions.

We determine the number of a portfolio’s shares held in a subaccount attributable to each owner by dividing the amount of a policy’s variable investment account value held in the subaccount by the net asset value of one share in the series fund. Fractional votes will be counted. We determine the number of shares as to which the owner may give instructions as of the record date for a series fund’s meeting. Owners of policies may give instructions regarding the election of the Board of Trustees or Board of Directors of a series fund, ratification of the selection of independent auditors, approval of series fund investment advisory agreements and other matters requiring a shareholder vote.

LEGAL PROCEEDINGS

There are no legal proceedings to which the Depositor, the Separate Account or the principal underwriter is a party or to which the assets of the Separate Account are subject that are likely to have a material adverse effect on the Separate Account or the ability of the principal underwriter to perform its contract with the Separate Account or of the Depositor to meet its obligations under the policy

40

FINANCIAL STATEMENTS

The financial statements of the Separate Account, as well as the consolidated financial statements of John Hancock USA are in the SAI. The financial statements of John Hancock USA have relevance for the policies only to the extent that they bear upon its ability to meet its obligations under the policies. You may request an SAI by contacting our Service Office at a phone number or address shown on the back cover of this prospectus.

41

APPENDIX: PORTFOLIOS AVAILABLE UNDER THE POLICY

The following is a list of portfolios available under the policies. More information about the portfolios is available in the prospectuses for the portfolios, which may be amended from time to time. You can request this information at no cost by calling 1-800-732-5543 or by sending an email request to webmail@jhancock.com.

The current expenses and performance information below reflect fees and expenses of the portfolios, but do not reflect the other fees and expenses that your policy may charge. Expenses would be higher and performance would be lower if these other charges were included. Each portfolio’s past performance is not necessarily an indication of future performance.

Investment Objective	Portfolio and Adviser/Subadviser	Current Expenses	Average Annual Total Returns (as of 12/31/22) (%)
			1-Year		5-Year		10-Year
To approximate the aggregate total return of a broad-based U.S. domestic equity market index.	500 Index Trust - Series NAV John Hancock Variable Trust Advisers LLC/Manulife Investment Management (North America) Limited	0.25%*		-18.31		9.15		12.28
To seek income and capital appreciation.	Active Bond Trust - Series I John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.71%*		-13.85		0.24		1.73
To seek to provide high total return (including income and capital gains) consistent with preservation of capital over the long term.	American Asset Allocation Trust - Series I Capital Research and Management Company (Adviser to the Master Fund, American Fund Insurance Series)	0.92%*		-13.76		4.94		7.71
To seek to provide long-term growth of capital.	American Global Growth Trust - Series I Capital Research and Management Company (Adviser to the Master Fund, American Fund Insurance Series)	1.06%*		-25.05		6.65		9.74
To seek to provide growth of capital.	American Growth Trust - Series I Capital Research and Management Company (Adviser to the Master Fund, American Fund Insurance Series)	0.96%*		-30.20		10.72		13.22
To seek to provide long-term growth of capital and income.	American Growth-Income Trust - Series I Capital Research and Management Company (Adviser to the Master Fund, American Fund Insurance Series)	0.90%*		-16.78		7.43		11.14

Appendix-1 App tbl #6

Investment Objective	Portfolio and Adviser/Subadviser	Current Expenses	Average Annual Total Returns (as of 12/31/22) (%)
			1-Year		5-Year		10-Year
To seek to provide long-term growth of capital.	American International Trust - Series I Capital Research and Management Company (Adviser to the Master Fund, American Fund Insurance Series)	1.16%*		-21.11		-1.40		3.53
To provide long-term growth of capital. Current income is a secondary objective.	Blue Chip Growth Trust - Series I John Hancock Variable Trust Advisers LLC/T. Rowe Price Associates, Inc.	0.82%*		-38.09		5.16		11.70
To seek long-term growth of capital.	Capital Appreciation Trust - Series I John Hancock Variable Trust Advisers LLC/Jennison Associates LLC	0.81%		-37.70		8.21		12.90
To seek long-term capital appreciation.	Capital Appreciation Value Trust - Series I John Hancock Variable Trust Advisers LLC/T. Rowe Price Associates, Inc.	0.93%*		-11.86		8.81		10.62
To seek total return consisting of income and capital appreciation.	Core Bond Trust - Series I John Hancock Variable Trust Advisers LLC/Allspring Global Investments, LLC	0.68%		-13.67		-0.20		0.90
To seek long-term growth of capital.	Disciplined Value International Trust - Series I John Hancock Variable Trust Advisers LLC/Boston Partners Global Investors, Inc.	0.86%*		-4.77		1.20		3.57
To seek long-term capital appreciation.	Emerging Markets Value Trust - Series I John Hancock Variable Trust Advisers LLC/Dimensional Fund Advisors LP	1.10%*		-11.67		-0.51		1.23
To provide substantial dividend income and also long-term growth of capital.	Equity Income Trust - Series I John Hancock Variable Trust Advisers LLC/T. Rowe Price Associates, Inc.	0.77%*		-3.40		6.93		9.69
To seek growth of capital.	Financial Industries Trust - Series I John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.90%*		-13.67		5.21		9.39

Appendix-2 App Table #6

Investment Objective	Portfolio and Adviser/Subadviser	Current Expenses	Average Annual Total Returns (as of 12/31/22) (%)
			1-Year		5-Year		10-Year
To seek long-term growth of capital.	Fundamental All Cap Core Trust - Series I John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.76%		-24.29		8.26		12.30
To seek long-term capital appreciation.	Fundamental Large Cap Value Trust - Series I John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.77%*		-7.95		8.59		10.96
To seek long-term capital appreciation.	Global Equity Trust - Series I John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.93%*		-14.84		1.79		5.44
To seek long-term capital appreciation.	Health Sciences Trust - Series I John Hancock Variable Trust Advisers LLC/T. Rowe Price Associates, Inc.	1.04%*		-13.09		9.75		15.09
To realize an above-average total return over a market cycle of three to five years, consistent with reasonable risk.	High Yield Trust - Series I John Hancock Variable Trust Advisers LLC/Western Asset Management Company, LLC	0.84%*		-13.25		1.73		3.10
To seek to track the performance of a broad-based equity index of foreign companies primarily in developed countries and, to a lesser extent, in emerging markets.	International Equity Index Trust - Series I John Hancock Variable Trust Advisers LLC/SSGA Funds Management, Inc.	0.39%*		-16.25		0.78		3.58
To seek long-term capital appreciation.	International Small Company Trust - Series I John Hancock Variable Trust Advisers LLC/Dimensional Fund Advisors LP	1.07%		-18.17		-0.24		5.33
To provide a high level of current income consistent with the maintenance of principal and liquidity.	Investment Quality Bond Trust - Series I John Hancock Variable Trust Advisers LLC/Wellington Management Company LLP	0.75%*		-14.88		-0.06		1.10

Appendix-3 App Table #6

Investment Objective	Portfolio and Adviser/Subadviser	Current Expenses	Average Annual Total Returns (as of 12/31/22) (%)
			1-Year		5-Year		10-Year
To seek long-term growth of capital. Current income is also a consideration.	Lifestyle Growth Portfolio - Series I John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.67%		-16.08		4.39		6.89
To seek growth of capital and current income while seeking to both manage the volatility of return and limit the magnitude of portfolio losses.	Managed Volatility Balanced Portfolio - Series I John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.80%		-15.08		1.26		3.88
To seek current income and growth of capital, while seeking to both manage the volatility of return and limit the magnitude of portfolio losses.	Managed Volatility Conservative Portfolio - Series I John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.78%		-14.80		0.22		2.21
To seek long term growth of capital while seeking to both manage the volatility of return and limit the magnitude of portfolio losses.	Managed Volatility Growth Portfolio - Series I John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.83%		-14.86		1.14		4.20
To seek current income and growth of capital while seeking to both manage the volatility of return and limit the magnitude of portfolio losses.	Managed Volatility Moderate Portfolio - Series I John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.80%		-14.87		1.24		3.68
To seek long-term growth of capital.	Mid Cap Growth Trust - Series I John Hancock Variable Trust Advisers LLC/Wellington Management Company LLP	0.94%		-34.64		8.19		11.30
Seeks to approximate the aggregate total return of a mid cap U.S. domestic equity market index.	Mid Cap Index Trust - Series I John Hancock Variable Trust Advisers LLC/Manulife Investment Management (North America) Limited	0.45%*		-13.43		6.24		10.31
To seek long-term capital appreciation.	Mid Value Trust - Series I John Hancock Variable Trust Advisers LLC/T. Rowe Price Associates, Inc.	0.99%*		-4.31		6.80		10.42

Appendix-4 App Table #6

Investment Objective	Portfolio and Adviser/Subadviser	Current Expenses	Average Annual Total Returns (as of 12/31/22) (%)
			1-Year		5-Year		10-Year
To obtain maximum current income consistent with preservation of principal and liquidity.	Money Market Trust** - Series I John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.33%*		1.29		1.01		0.57
To seek maximum total return, consistent with preservation of capital and prudent investment management.	Opportunistic Fixed Income Trust - Series I John Hancock Variable Trust Advisers LLC/Wellington Management Company LLP	0.91%*		-11.12		0.67		0.79
To seek to achieve a combination of long-term capital appreciation and current income.	Real Estate Securities Trust - Series I John Hancock Variable Trust Advisers LLC/Wellington Management Company LLP	0.80%*		-28.51		4.35		6.62
To seek long-term growth of capital. Current income is incidental to the fund’s objective.	Science & Technology Trust - Series I John Hancock Variable Trust Advisers LLC/T. Rowe Price Associates, Inc.	1.04%*		-35.67		8.57		14.84
To seek income and capital appreciation.	Select Bond Trust - Series I John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.65%*		-14.20		0.06		1.12
To seek a high level of current income consistent with preservation of capital. Maintaining a stable share price is a secondary goal.	Short Term Government Income Trust - Series I John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.71%*		-6.48		-0.12		0.14
Seeks to approximate the aggregate total return of a small cap U.S. domestic equity market index.	Small Cap Index Trust - Series I John Hancock Variable Trust Advisers LLC/Manulife Investment Management (North America) Limited	0.53%*		-20.65		3.72		8.67
To seek long-term capital appreciation.	Small Cap Opportunities Trust - Series I John Hancock Variable Trust Advisers LLC/Dimensional Fund Advisors LP and GW&K Investment Management, LLC	0.89%*		-10.07		6.98		9.73

Appendix-5 App Table #6

Investment Objective	Portfolio and Adviser/Subadviser	Current Expenses	Average Annual Total Returns (as of 12/31/22) (%)
			1-Year		5-Year		10-Year
To seek long-term capital appreciation.	Small Cap Stock Trust - Series I John Hancock Variable Trust Advisers LLC/Wellington Management Company LLP	1.12%*		-31.12		6.69		9.71
To seek long-term capital appreciation.	Small Cap Value Trust - Series I John Hancock Variable Trust Advisers LLC/Wellington Management Company LLP	1.05%*		-10.24		3.19		7.69
To seek long-term growth of capital.	Small Company Value Trust - Series I John Hancock Variable Trust Advisers LLC/T. Rowe Price Associates, Inc.	1.23%*		-18.73		3.55		8.13
To seek a high level of current income.	Strategic Income Opportunities Trust - Series I John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.77%*		-10.06		0.75		2.43
Seeks to approximate the aggregate total return of a broad U.S. domestic equity market index.	Total Stock Market Index Trust - Series I John Hancock Variable Trust Advisers LLC/Manulife Investment Management (North America) Limited	0.57%*		-20.41		8.02		11.40
The fund seeks a high level of current income consistent with the maintenance of liquidity and the preservation of capital.	Ultra Short Term Bond Trust - Series I John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.66%*		-0.84		0.92		0.57
The Portfolio seeks maximum real return consistent with preservation of real capital and prudent investment management.	PIMCO VIT All Asset Portfolio - Series M Pacific Investment Management Company LLC/Research Affiliates, LLC	1.84%		-12.12		2.91		2.94

* This portfolio’s annual expenses reflect temporary fee or expense waivers or reimbursements.

** This Portfolio is no longer accepting premium payments.

Appendix-6 App Table #6

JOHN HANCOCK USA SERVICE OFFICE

Overnight Express Delivery	Mail Delivery
Life Post Issue: - Specialty Products John Hancock Insurance Company 410 University Ave. Suite #55979 Westwood, MA 02090	Life Post Issue: - Specialty Products John Hancock Insurance Company PO Box 55979 Boston, MA 02205
Phone:	Fax:
1-800-732-5543	1-617-572-1571

In addition to this prospectus, John Hancock USA has filed with the SEC an SAI that contains additional information about John Hancock USA and the Separate Account, including information on our history, services provided to the Separate Account, and the audited financial statements for John Hancock USA and the Separate Account. The SAI is incorporated by reference into this prospectus, and personalized illustrations of death benefits, policy values and surrender values are available, without charge, upon request. You may obtain the personalized illustrations from your John Hancock USA representative. The SAI may be obtained, without charge, by contacting the John Hancock USA Service Office. You should also contact the John Hancock USA Service Office to request any other information about your policy or to make any inquiries about its operation.

Reports and other information about the Separate Account are available on the SEC’s Internet website at http://www.sec.gov. Copies of such information may be obtained, upon payment of a duplicating fee, by submitting an electronic request to the following e-mail address: publicinfo@sec.gov.

1940 Act File No. 811-5130 — 1933 Act File No. 333-100567

EDGAR Contract Identifier No. C000027518

John Hancock Life Insurance Company (U.S.A.) Separate Account N

JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.)

(“John Hancock USA”)

Flexible Premium Variable Universal Life Insurance Policy

CORPORATE VUL 04

Prospectus dated May 1, 2023

You may choose to allocate your policy value to one or more of the options that the policies make available for that purpose. These options include our “variable investment accounts,” where the policy value will vary directly with the positive or negative investment experience of underlying investment “portfolios.” To provide you with that investment experience, amounts that you allocate to a variable investment account are held in a corresponding “subaccount” of John Hancock Life Insurance Company (U.S.A.) Separate Account N (“Separate Account”), and the subaccount invests those amounts exclusively in one of the portfolios.

You may also allocate policy value to a “fixed account” that the policy makes available. This prospectus provides detailed information about all such options to which you can allocate your policy value.

Please note that the Securities and Exchange Commission (“SEC”) has not approved or disapproved these securities or determined if this prospectus is truthful or complete. Any representation to the contrary is a criminal offense.

Additional information about certain investment products, including variable life insurance, has been prepared by the SEC’s staff and is available at Investor.gov.

TABLE OF CONTENTS

KEY INFORMATION	4
Important Information You Should Consider About the Policy	4
OVERVIEW OF THE POLICY	6
Purpose	6
Premiums	6
Policy Features	7
Death benefit	7
Surrender of the policy	7
Withdrawals	7
Policy loans	7
Supplementary benefit riders	7
FEE TABLE	8
GENERAL DESCRIPTION OF THE POLICY	9
Policy Rights	9
Owner and beneficiary	9
Allocation of Premiums	10
Transfers of Policy Value	10
Transfers to or from a variable investment account	10
Transfers involving the fixed account	12
Telephone transfers	12
Dollar cost averaging and asset allocation balancer programs	12
General Account	12
The fixed account	13
PREMIUMS	13
Purchase Procedures	13
Temporary insurance agreement	14
Underwriting	14
Premium Amount	14
STANDARD DEATH BENEFITS	15
Standard Death Benefits	15
Minimum death benefit	16
Flexible Term Insurance Option Rider	17
Death benefit options	17
Changing the death benefit option	18
Changing the Face Amount and scheduled death benefits	19
Factors that affect the death benefit	21
SURRENDERS AND WITHDRAWALS	21
Surrender and Withdrawal	21
Additional Information Regarding Surrender and Withdrawal	21
LOANS	22
Availability of Loans, Limitations and Interest	22
Loan Repayments	22
OTHER BENEFITS AVAILABLE UNDER THE POLICY	23
More About Certain Optional Benefits	23
Flexible Term Insurance Option Rider	23

2

TAXES	24
General	25
Death Benefit Proceeds and Other Policy Distributions	25
Policy Loans	26
Diversification Rules and Ownership of the Separate Account	27
7-pay Premium Limit and Modified Endowment Contract Status	27
Corporate and H.R. 10 Retirement Plans	28
Withholding	28
Life Insurance Purchases by Residents of Puerto Rico	29
Life Insurance Purchases by Non-resident Aliens	29
Life Insurance Owned by Citizens or Residents Living Abroad	29
PRINCIPAL RISKS OF INVESTING IN THE POLICY	29
Lapse Risk	29
Investment Risk/Risk of Loss	29
Transfer Risk	30
Early Surrender or Withdrawal Risk/Not a Short-Term Investment	30
Tax Risks	30
ADDITIONAL INFORMATION REGARDING THE POLICY	30
Charges and Deductions	30
Deductions from premium payments	31
Deductions from policy value	31
Charges at the portfolio level	33
Additional Information About How Certain Policy Charges Work	33
Other Charges We Could Impose in the Future	33
Commissions Paid to Dealers	34
Lapse and Reinstatement	34
Lapse	34
Reinstatement	34
Variations	35
Policy or Separate Account Changes	35
When We Pay Policy Proceeds	36
Coverage at and After Age 100	36
GENERAL DESCRIPTION OF REGISTRANT, DEPOSITOR AND PORTFOLIOS	37
Depositor	37
Registrant	37
Portfolios	37
Voting Portfolio Shares	38
LEGAL PROCEEDINGS	38
FINANCIAL STATEMENTS	38

APPENDIX: PORTFOLIOS AVAILABLE UNDER THE POLICY Appendix-1

3

KEY INFORMATION

Important Information You Should Consider About the Policy

FEES AND EXPENSES
Transaction Charges	You may be charged for the following transactions: A premium charge will be deducted from each premium payment. A sales charge will be deducted from each premium payment. A transfer fee may be deducted upon transfers into or out of a variable investment account after you have made more than 12 such transfers in a year.				FEE TABLE Deductions from policy value
Ongoing Fees and Expenses (annual charges)	In addition to transaction charges, you will also be subject to certain ongoing fees and expenses, including a cost of insurance charge, administration fee, a mortality and expense risk charge, policy loan costs, and supplementary benefit rider charges. Some of these fees and expenses are based wholly or in part on the characteristics of the insured persons (e.g., age, sex, and underwriting classification). You should view the “policy specifications” page of your policy for rates applicable to your policy. You will also bear expenses associated with the portfolios under the policy, as shown in the following table:				FEE TABLE Deductions from policy value Charges at the portfolio level APPENDIX
		Annual Fee	Minimum	Maximum
		Variable investment accounts (portfolio fees and expenses)	0.44%	1.95%

RISKS
Risk of Loss	You can lose money by investing in this policy.	PRINCIPAL RISKS OF INVESTING IN A POLICY
Not a Short-Term Investment	This policy is not a short-term investment and is not appropriate for an investor who needs ready access to cash. The policy is unsuitable as a short-term savings vehicle because of substantial policy-level charges, including the premium charge, as well as potential adverse tax consequences from such short-term use.	Early Surrender or Withdrawal Risk/Not a Short- Term Investment
Risks Associated with Investment Options	An investment in this policy is subject to the risk of poor performance and can vary depending on the performance of the account allocation options available under the policy (e.g., portfolios). Each such option (including the fixed account) will have its own unique risks, and you should review these options before making an allocation decision.	Investment Risk/Risk of Loss

4

Insurance Company Risks	Your investment in the policy is subject to risks related to John Hancock USA, including that the obligations (including under the fixed account option), guarantees, or benefits are subject to the claims-paying ability of John Hancock USA. Information about John Hancock USA, including its financial strength ratings, is available upon request from your John Hancock USA representative. Our current financial strength ratings can also be obtained by contacting the Service Office at 1-800-732-5543.	Depositor Registrant
Policy Lapse	This policy will go into default if at the beginning of any policy month the policy’s net cash surrender value would be zero or below after deducting the monthly deductions then due. The “net cash surrender value” is your policy value and less any policy debt. This can happen as a result of insufficient premium payments, poor performance of the variable or general account options you have chosen, withdrawals, or unpaid loans or loan interest. If a default is not cured within a 61-day grace period, your policy will lapse without value, and no death benefit or other benefits will be payable. You can apply to reinstate a policy that has gone into default, subject to conditions including payment of a specified amount of additional premiums.	Lapse and Reinstatement

RESTRICTIONS
Investments	There are restrictions that may limit the variable investment account options and general account options (including the fixed account) that you may choose, as well as limitations on the transfer of policy value among those options. These restrictions may include a monthly limit on the number of transfers you may make. We may also impose additional restrictions to discourage market timing and disruptive trading activity. In particular, your allocation options will be affected if you elect to take a loan or receive benefits under certain supplementary benefit riders. Among other things, the policy also allows us to eliminate the shares of a portfolio or substitute shares of another new or existing portfolio, subject to applicable legal requirements.	Transfers to or from a variable investment account Transfers involving the fixed account Portfolios
Optional Benefits	There are restrictions and limitations relating to optional benefits, as well as conditions under which an optional benefit may be modified or terminated by us. For example, certain supplementary benefit riders may be subject to underwriting, and your election of an option may result in restrictions upon some of the policy benefits, including availability of investment options.	More About Certain Optional Benefits

TAXES
Tax Implications	You should consult with a tax professional to determine the tax implications of an investment in and payments received under the policy. There is no additional tax benefit to you if the policy is purchased through a tax-qualified plan or an individual retirement account (IRA). If we pay out any amount of your policy value upon surrender or partial withdrawal, all or part of that distribution would generally be treated as a return of the premiums you’ve paid and not subjected to income tax, with any portion not treated as a return of your premiums includible in your income. Distributions also are subject to tax penalties under some circumstances.	TAXES

5

CONFLICTS OF INTEREST
Investment Professional Compensation	Some investment professionals may receive compensation for selling the policy, including by means of commissions and revenue sharing arrangements. These investment professionals may have a financial incentive to offer or recommend this policy over another investment.	Commissions Paid to Dealers
Exchanges	Some investment professionals may have a financial incentive to offer you a new policy in place of the one you already own, and you should only exchange your policy if you determine, after comparing the features, fees, and risks of both policies, that it is preferable for you to purchase the new policy rather than continue to own the existing policy.	Commissions Paid to Dealers

OVERVIEW OF THE POLICY

Purpose

The purpose of this variable life insurance policy is to provide insurance protection for the beneficiary named therein. No claim is made that this variable life insurance policy is in any way similar or comparable to a systematic investment plan of a mutual fund.

Premiums

We call the investments you make in the policy “premiums” or “premium payments.” The minimum initial premium is a dollar amount that is stated in your policy specifications and that must be paid to us in full before your policy will take effect. Premium payments after the initial premium may not be required, but you must pay enough premium to keep the policy in force. That’s why the policy is called a “flexible premium” policy. After the payment of the initial premium, premiums may be paid at any time and in any amount until the insured person’s attained age 100, subject to the need to pay enough premium to keep the policy in force, and to limitations on maximum premium amount.

Federal tax law limits the amount of premium payments you can make relative to the amount of your policy’s insurance coverage. We will not knowingly accept any amount by which a premium payment exceeds this limit. In addition, in order to limit our investment risk exposure under certain market conditions, we may refuse to accept additional premium payments.

From each premium payment you make, we deduct the applicable premium charges identified in the FEE TABLE. We invest the rest (the “net premium”) in the variable investment accounts or fixed account as you’ve elected.

The policy offers a number of variable investment accounts. You can find some important information about each portfolio in the APPENDIX, but for a full description of each portfolio, including the investment objectives and strategies, policies, restrictions, and risks, you should read the portfolio’s prospectus carefully before investing in the corresponding variable investment account.

You can also allocate policy value to the fixed account (where it is credited with rates of interest that we declare from time to time but will never be less than a minimum rate guaranteed in your policy specifications). If the net cash surrender value is insufficient to pay the charges when due your policy can terminate (i.e. “lapse”). This can happen because you haven’t paid enough premium, because the performance of the variable investment or general account options you’ve chosen has been poor, or because of a combination of all factors.

6

Policy Features

Death benefit. The policy provides a death benefit in the event of the death of the life insured while the policy is in force. The basic death benefit amount is the Face Amount, which is provided for the lifetime of the life insured with no maturity or expiration date. There may be other amounts added to the death benefit as described below.

Flexible Term Insurance Option. You may add a flexible term insurance option rider (the “FTIO Rider”) to the policy to provide additional term life insurance coverage on the life insured. Cost of insurance rates are less than or equal to those of the policy and no sales charges will apply. However, unlike the Face Amount of the policy, the FTIO Rider will terminate at the life insured’s attained age 100. The FTIO Rider also offers the flexibility to schedule varying death benefit amounts on future dates (the “Scheduled Death Benefits”).

Death Benefit Options. There are two death benefit Options. Option 1 provides a death benefit equal to the Face Amount of the policy and the Scheduled Death Benefits of the FTIO Rider or, if greater, the Minimum Death Benefit. Option 2 provides a death benefit equal to the Face Amount and the Scheduled Death Benefits, plus the policy value or, if greater, the Minimum Death Benefit. You may change the death benefit Option and increase or decrease the Face Amount and Scheduled Death Benefits.

Age 100 Advantage. If the life insured is alive on the policy anniversary when the life insured reaches attained age 100, the policy will continue in force subject to the following unless the policy owner chooses to surrender the policy for its net cash surrender value:

• the policy will be continued until the earlier of the death of the life insured or the date the policy owner surrenders the policy;

• no additional premium payments will be accepted although loan repayments will be accepted;

• no additional charges or deductions (described under “Charges and Deductions”) will be assessed;

• interest on any Policy Debt will continue to accrue;

• the policy owner may continue to transfer portions of the policy value among the investment accounts and the fixed accounts as described in this prospectus.

Surrender of the policy. You may surrender the policy in full while the insured person is alive. If you do, we will pay you the policy value less any outstanding policy debt. This is called your “net cash surrender value.”

Withdrawals. You may make a withdrawal of part of your net cash surrender value at any time. This may result in a decrease in the Face Amount and Scheduled Death Benefits.

Policy loans. If your policy is in force and has sufficient policy value, you may borrow from it at any time by completing the appropriate form. The maximum amount you can borrow is determined by a formula as described in your policy. Interest is charged on each loan. If there is an outstanding loan the amount of the loan and accrued interest will be deducted from the death benefit and other policy proceeds.

Supplementary benefit riders. When you apply for the policy, you can request the below-listed supplementary benefit rider that we make available. Availability of riders varies from state to state. Charges for most riders will be deducted monthly from the policy value. Some riders may not be available in combination with other riders or benefits.

• Flexible Term Insurance Option Rider

You can find information about the fees we charge for this rider under “Transaction Fees” and “Periodic Charges other than Annual Portfolio Expenses — Optional Benefit Charges” in the Fee Table below. We also offer a dollar cost averaging (“DCA”) program and an asset allocation balancer program.

7

FEE TABLE

The following tables describe the fees and expenses that you will pay when buying, owning, and surrendering or making withdrawals from the policy. Please refer to your policy specifications for information about the specific fees you will pay each year based on the options you have elected.

The first table describes the fees and expenses that you will pay at the time that you buy the policy, surrender or make withdrawals from the policy, or transfer policy value between investment options.

TRANSACTION FEES
Charge	When Charge is Deducted	Amount Deducted
Premium charge	Upon receipt of premium	2.5% of each premium payment
Premium sales charge	Upon receipt of premium	13% (coverage year 1) (1)
Transfer fee (2)	Upon each transfer into or out of a variable investment account beyond an annual limit of twelve	$25.00
Dollar cost averaging	Upon transfer	Guaranteed                $5.00 Current                      $0.00
Asset allocation rebalancer	Upon transfer	Guaranteed                $15.00 Current                      $0.00

(1) The sales charge declines in subsequent coverage years as noted below:

Coverage Year	Percentage
1		13.00	%
2		6.25	%
3		3.50	%
4		2.50	%
5		0.50	%
6		0.50	%
7+		0.00	%

(2) This charge is not currently imposed, but we reserve the right to do so in the policy.

The next table describes the fees and expenses that you will pay periodically during the time that you own the policy, not including portfolio fees and expenses.

PERIODIC CHARGES OTHER THAN ANNUAL PORTFOLIO EXPENSES
Charge	When Charge is Deducted	Amount Deducted
Base Policy Charges:
Cost of Insurance (1):	Monthly
Minimum charge		$0.00 per $1,000 of NAR
Maximum charge		$83.33 per $1,000 of NAR
Charge for a representative insured person (45 year old non-smoking male)		$0.08 per $1,000 of NAR

8

Charge	When Charge is Deducted	Amount Deducted
Cost of Insurance — Optional FTIO Rider (Flexible Term Insurance Option)(1)	Monthly
Minimum charge		$0.00 per $1,000 of NAR
Maximum charge		$83.33 per $1,000 of NAR
Charge for a representative insured person (45 year old non-smoking male)		$0.38 per $1,000 of NAR
Administration fee	Monthly	$12.00
Mortality and expense risk fee (2)	Monthly	0.04% (0.50% annually)
Maximum policy loan interest rate (net)(3)	Accrues daily Payable annually	0.75% annual rate

(1) The cost of insurance varies based on individual characteristics and the charges shown in the table may not be representative of the charge a particular policy owner will pay. A policy owner may obtain additional information regarding cost of insurance charge by contacting the Company. The election (or failure to elect) the optional FTIO rider will impact the total cost of insurance charges.

(2) Currently the Company is charging the following rates:

Policy Year	Annual Rate
1-10		0.45	%
11+		0.25	%

(3) The Loan Interest Rate (Net) is equal to the rate of interest charged on the policy loan less the interest credited to the Loan Account. Currently this rate is 0.75% for policy years 1-10 and 0.25% for policy years 11 and higher. The maximum loan rate is 4%.

The next item shows the minimum and maximum total operating expenses charged by the portfolios that you may pay periodically during the time that you own the policy. A complete list of the portfolios available under the policy, including their annual expenses, may be found at the back of this document.

Annual Portfolio Expenses	Minimum			Maximum
Range of expenses that are deducted from portfolio assets, including management fees, distribution and/or service (12b-1) fees, and other expenses (fn1)		0.44	%		1.95	%

GENERAL DESCRIPTION OF THE POLICY

Policy Rights

Owner and beneficiary. The owner of the policy is the person who can exercise most of the rights under the policy, such as the right to choose the accounts in which to invest or the right to surrender the policy. In many cases, the person buying the policy is also the person who will be the owner. However, the application for a policy can name another person or entity (such as a trust) as owner. It is possible to name so-called “joint owners” of the policy. If more than one person owns a policy, all owners must join in most requests to exercise rights under the policy. Whenever we’ve used the term “you” in this prospectus, we’ve assumed that the reader is the person who has whatever right or privilege is being discussed. There may be tax consequences if the owner and the insured person are different, so you should discuss this issue with your tax adviser.

While the insured person is alive, you will have a number of options under the policy. These options include:

• Determine when and how much you allocate to the variable investment accounts and any fixed account

9

• Borrow or withdraw amounts you have in the variable investment account and any fixed account

• Change the beneficiary who will receive the death benefit

• Change the amount of insurance

• Surrender the policy for its net cash surrender value

• Choose the form in which we will pay out the death benefit or other proceeds

You name your beneficiary when you apply for the policy. The beneficiary is entitled to the proceeds we pay following the insured person’s death. Until the death of the insured person you can change your beneficiary by written request. Such a change requires the consent of any named irrevocable beneficiary. A new beneficiary designation will not affect any payments we make before we receive it. If no beneficiary is living when the insured person dies, we will pay the insurance proceeds to the owner or the owner’s estate.

Allocation of Premiums

You may allocate premiums to the fixed account and investment accounts. Allocations may be made as percentages that are between zero and 100% that sum to exactly 100%. Alternatively, you may allocate a premium in dollar amounts that sum to exactly the net premium amount. You may change premium allocations at any time and the change will take effect on the date a request for change satisfactory to us is received at the Service Office.

Transfers of Policy Value

Transfers to or from a variable investment account. The policy is not designed for professional market timers or highly active traders, including persons or entities that engage in programmed, large or frequent transfers among the investment accounts or between the investment accounts and any available fixed account. The policy is also not designed to accommodate trading that results in transfers that are large in relation to the total assets of the underlying portfolio.

Variable investment accounts in variable life insurance products can be a prime target for abusive transfer activity because these products value their investment options on a daily basis and allow transfers among investment options without immediate tax consequences. As a result, some investors may seek to frequently transfer into and out of variable investment accounts or to make large transfers in reaction to market news or to exploit a perceived pricing inefficiency. Whatever the reason, long-term investors in a variable investment account can be harmed by large or frequent transfer activity. For example, such activity may expose the investment account’s underlying portfolio to increased portfolio transaction costs and/or disrupt the portfolio manager’s ability to effectively manage the portfolio’s investments in accordance with the portfolio’s investment objectives and policies. This could include causing the portfolio to maintain higher levels of cash than would otherwise be the case, or liquidating investments prematurely. Accordingly, frequent or large transfers may result in dilution with respect to interests held for long-term investment and adversely affect policy owners, beneficiaries and the underlying portfolios.

To discourage market timing and disruptive trading activity, we impose restrictions on transfers and reserve the right to change, suspend or terminate telephone and facsimile transaction privileges. In addition, we reserve the right to take other actions at any time to restrict trading, including, but not limited to: (i) restricting the number of transfers made during a defined period, (ii) restricting the dollar amount of transfers, (iii) restricting transfers into and out of certain investment options, (iv) restricting the method used to submit transfers, and (v) deferring a transfer at any time we are unable to purchase or redeem shares of the underlying portfolio.

We may also impose additional administrative conditions upon or prohibit a transfer request made by a third party giving instructions on behalf of multiple policies, whether owned by the same owner or different owners. If

10

you engage a third party for asset allocation services, then you may be subject to these transfer restrictions because of the actions of that party in providing those services. We will notify the third party you have engaged if we exercise this right.

While we seek to identify and prevent disruptive trading activity, it may not always be possible to do so. Therefore, no assurance can be given that the restrictions we impose will be successful in preventing all disruptive trading and avoiding harm to long-term investors.

Our current practice is to restrict transfers into or out of variable investment accounts to two per calendar month (except with respect to those policies described in the following paragraph). In applying this restriction any transfer request involving the transfer of account value into or out of multiple variable investment accounts will still count as only one request. No more than one transfer request may be made on any day. You may, however, transfer to the Money Market portfolio even if the two transfer per month limit has been reached, but only if 100% of the policy value in all variable investment accounts is transferred to the Money Market portfolio. If such a transfer to the Money Market investment portfolio is made, then, for the 30 calendar day period after such transfer, no transfers from the Money Market portfolio to any other variable investment accounts or to the fixed account may be made. If a policy offers a dollar cost averaging or automatic asset allocation rebalancing program, any transfers pursuant to such program are not considered transfers subject to these restrictions on frequent trading. The restrictions described in this paragraph will be applied uniformly to all policy owners subject to the restrictions.

Policies may be purchased by a corporation or other entity as a means to informally finance the liabilities created by an employee benefit plan, and to this end the entity may aggregately manage the policies purchased to match its liabilities under the plan. Policies sold under these circumstances are subject to special transfer restrictions. In lieu of the two transfers per month restriction, we will allow the policy owner under these circumstances to rebalance the investment options in its policies within the following limits: (i) during the 10 calendar day period after any account values are transferred from one portfolio into a second portfolio, the values can only be transferred out of the second investment option if they are transferred into the Money Market portfolio; and (ii) any account values that would otherwise not be transferable by application of the 10 day limit described above and that are transferred into the Money Market portfolio may not be transferred out of the Money Market portfolio into any other investment options (variable or fixed) for 30 calendar days. The restrictions described in this paragraph will be applied uniformly to all policy owners subject to the restrictions.

Subject to our approval, we may offer policies purchased by a corporation or other entity that has purchased policies to match its liabilities under an employee benefit plan, as described above, the ability to electronically rebalance the investment options in its policies. Under these circumstances, in lieu of imposing any specific limit upon the number or timing of transfers, we will monitor aggregate trades among the sub-accounts for frequency, pattern and size for potentially harmful investment practices. If we detect trading activity that we believe may be harmful to the overall operation of any investment account or underlying portfolio, we may impose conditions on policies employing electronic rebalancing to submit trades, including setting limits upon the number and timing of transfers, and revoking privileges to make trades by any means other than written communication submitted via U.S. mail. The restrictions described in these paragraphs will be applied uniformly to all policy owners subject to the restrictions.

We reserve the right to modify or terminate the transfer privilege at any time in accordance with applicable law. Transfer privileges are also subject to any restrictions that may be imposed by the portfolios. In addition, we reserve the right to defer the transfer privilege at any time that we are unable to purchase or redeem shares of a portfolio.

Rule 22c-2 under the 1940 Act requires us to provide tax identification numbers and other policy owner transaction information to John Hancock Trust or to other investment companies in which the Separate Account invests, at their request. An investment company will use this information to identify any pattern or frequency of

11

investment account transfers that may violate their frequent trading policy. An investment company may require us to impose trading restrictions in addition to those described above if violations of their frequent trading policy are discovered.

Transfers involving the fixed account. While the policy is in force, you may transfer the policy value from any of the investment accounts to the fixed account without incurring transfer charges:

• within eighteen months after the Issue Date; or

• within 60 days of the effective date of a material change in the investment objectives of any of the sub-accounts; or

• within 60 days of the date of notification of such change, whichever is later.

Such transfers will not count against the twelve transfers that may be made free of charge in any policy year.

The maximum amount that you may transfer from the fixed account in any one policy year is the greater of $2,000, 15% of the fixed account value at the previous policy anniversary, or the amount transferred out of the fixed account during the previous policy year. Any transfer which involves a transfer out of the fixed account may not involve a transfer to the investment account for the Money Market portfolio.

Telephone transfers. Transfer requests must be in writing in a form satisfactory to us, or by telephone if a currently valid telephone transfer authorization form is on file. Although failure to follow reasonable procedures may result in our being liable for any losses resulting from unauthorized or fraudulent telephone transfers, we will not be liable for following instructions communicated by telephone that we reasonably believe to be genuine. We will employ reasonable procedures to confirm that instructions communicated by telephone are genuine. Such procedures shall consist of confirming that a valid telephone authorization form is on file, tape recording of all telephone transactions and providing written confirmation thereof.

Dollar cost averaging and asset allocation balancer programs. We may offer policy owners a dollar cost averaging (“DCA”) program. Under the DCA program, you will designate an amount that will be transferred monthly from one variable investment account into any other variable investment account or a fixed account. If insufficient funds exist to effect a DCA transfer, the transfer will not be effected and you will be so notified. We do not apply any minimum amount requirements for participation in the DCA program. You can participate in both the dollar cost averaging and asset rebalancing programs at the same time. Under the asset allocation balancer program you will designate an allocation of policy value among variable investment accounts. We will move amounts among the variable investment accounts at specified intervals you select - annually, semi-annually, quarterly or monthly. A change to your premium allocation instructions will automatically result in a change in asset allocation balancer instructions so that the two are identical unless you either instruct us otherwise or have elected the dollar cost averaging program. This asset allocation balancer program only applies to policy value in the variable investment accounts. We reserve the right to cease to offer these programs as of 90 days after written notice is sent to you.

General Account

The fixed account is part of our general account. Our general account consists of all assets owned by us other than those in the Separate Account and any other separate accounts which we have established and may establish. Any interest credited to a policy owner from an investment in a fixed account and any guaranteed benefits we may provide under the policy that exceed the value of amounts held in the Separate Account will be paid from the Company’s general account and will be subject to the Company’s financial strength and claims paying ability. Subject to applicable law, John Hancock USA has sole discretion over the investment of the assets of the general account and policy owners do not share in the investment experience of, or have any preferential claim on, those assets. John Hancock USA bears full investment risk for all amounts allocated to the fixed account.

12

Because of exemptive and exclusionary provisions, interests in our fixed account have not been and will not be registered under the Securities Act of 1933 and our general account has not been registered as an investment company under the Investment Company Act of 1940 (“1940 Act”). Accordingly, neither the general account nor any interests therein are subject to the provisions of these acts. Disclosures regarding the general account, however, are subject generally to applicable provisions of federal securities laws relating to the accuracy and completeness of statements made in the prospectus.

The fixed account. Account value allocated to any fixed account will accrue interest daily at an effective annual rate that we determine and that depends on a number of significant considerations in addition to the actual investment experience we expect for the general account. We currently offer only one fixed investment option — the standard fixed account. The effective annual rate we declare for the standard fixed account will never be less than 3%. We reserve the right to offer one or more additional fixed investment options with characteristics that differ from those of the current fixed account, but we are under no obligation to do so. Any interest we credit in excess of the guaranteed interest crediting rate will be based on our sole discretion. Additionally, interest credited on a non-guaranteed basis varies over time is rarely the same year-over-year and there may be extended periods of time during which no interest above the guaranteed minimum is declared.

PREMIUMS

Purchase Procedures

To purchase a policy, an applicant must submit a completed application. A policy will not be issued until the underwriting process is completed to our satisfaction and we approve issuance of the policy.

Policies may be issued on a basis that does not distinguish between the life insured’s sex and/or smoking status, with prior approval from us. A policy will only be issued on the lives of insureds from Issue Ages 20 through 80.

Each policy has a Policy Date, an Effective Date and an Issue Date. The Policy Date is the date from which the first monthly deductions are calculated and from which policy years, policy months and Policy Anniversaries are measured. The Policy Date is also the effective date of the initial coverage amount. The Policy Date is the same date as the Effective Date unless the policy is backdated. The Effective Date is the date we become obligated under the policy and when the first monthly deductions are taken. It is the later of the date we approve issuance of the policy and the date we receive at least the minimum initial premium. The Issue Date is the date from which the Suicide and Incontestability provisions of the policy are measured.

If we approve issuance of a policy before we receive the minimum initial premium then the Effective Date will be later than the Issue Date. The minimum initial premium must be received by us within 60 days after the Issue Date and the life insured must be in good health on the Effective Date. If the minimum initial premium is not paid or if the application is rejected, the policy will be canceled and any premiums paid will be returned to the applicant.

Net premiums received prior to the Effective Date will be credited with interest at the rate of return earned on amounts allocated to the Money Market portfolio. On the Effective Date, net premiums received plus any interest credited will be allocated to investment accounts and the fixed account according to your instructions, unless first allocated to the Money Market Trust for the duration of the right to examine period.

The minimum Face Amount is $50,000 unless the FTIO Rider is added to the policy. With an FTIO Rider, the minimum Face Amount is $25,000 and the minimum Scheduled Death Benefit is $50,000.

You may request that we backdate the policy by assigning a Policy Date earlier than the date the application is signed. We will not backdate the policy to a date earlier than that allowed by state law, which is generally three months to one year prior to the date of application for the policy. Monthly deductions will be made for the period the Policy Date is backdated.

13

Temporary insurance agreement. Temporary insurance coverage may be provided under the terms of a Temporary Insurance Agreement, subject to our underwriting practices. Generally, temporary life insurance may not exceed $1,000,000 and may not be in effect for more than 90 days. It is issued on a conditional receipt basis, which means that benefits would only be paid if the life insured met our usual and customary underwriting standards for the coverage applied for.

Underwriting. The policies are offered on three underwriting classes that require different types and amounts of information from the applicant and prospective life insured. Current cost of insurance charges in early policy years will vary by the type of underwriting and charges will generally be lower where underwriting information is more extensive. Under any of the underwriting bases, the acceptance of an application is subject to our underwriting rules and we may request additional information or reject an application for any reason.

Short Form Underwriting. The proposed life insured must answer qualifying questions in the application but is not required to provide detailed medical history, submit records or undergo examinations or tests unless requested to do so by us. Availability of Short Form underwriting depends on characteristics of the Case, such as the number of lives to be insured, the amounts of insurance and other factors, and it is generally available only up to Issue Age 65.

Simplified Underwriting. The proposed life insured must satisfactorily answer certain health questions in the application and may be required to submit existing medical records, but requirements to undergo examinations and tests are minimized. Availability of Simplified underwriting and the nature of the requirements will depend on characteristics of the Case and the proposed lives to be insured.

Regular (Medical) Underwriting. Where Short Form or Simplified underwriting is unavailable we require satisfactory evidence of insurability under our regular underwriting guidelines for individual applicants. This may include medical exams and other information. A proposed life insured who fails to qualify for a standard risk classification may be eligible to be insured with an additional substandard rating.

Premium Amount

No premiums will be accepted prior to receipt of a completed application by us. All premiums received prior to the Effective Date of the policy will be held in the general account and credited with interest from the date of receipt at the rate of return earned on amounts allocated to the Money Market Trust.

On the Effective Date, the net premiums paid plus interest credited will be allocated among the investment accounts or the fixed account in accordance with your instructions, unless first allocated to the Money Market Trust for the duration of the right to examine period.

After the payment of the initial premium, premiums may be paid at any time during the lifetime of the life insured prior to attained age 100 and in any amount subject to the premium limitations described below. A policy will be issued with a planned premium, which is based on the amount of premium you wish to pay. We will send you notices of your planned premium at the payment interval you select. However, you are under no obligation to make the planned premium payment.

Payment of premiums will not guarantee that the policy will stay in force and failure to pay premiums will not necessarily cause the policy to lapse. The policy will remain in force so long as the net cash surrender value is sufficient to cover policy charges.

If the policy is issued under the GP Test, the total of all premiums paid may not exceed the then-current maximum premium limitations established by federal income tax law for the policy to qualify as life insurance. The GP Test premium limits are stated in the policy. If a premium is received which would result in total premiums exceeding the applicable GP Test limit, we will only accept that portion of the premium that will not exceed the limit. Any premium in excess of that amount will be returned.

14

If the policy is issued under the CVA Test, there is no restriction on the amount of premiums that may be paid into a policy, but you must provide satisfactory evidence of insurability before we accept any premium that would increase the death benefit by an amount greater than the increase in policy value.

You may allocate premiums to the fixed account and investment accounts. Allocations may be made as percentages that are between zero and 100% that sum to exactly 100%. Alternatively, you may allocate a premium in dollar amounts that sum to exactly the net premium amount. You may change premium allocations at any time and the change will take effect on the date a request for change satisfactory to us is received at the Service Office.

STANDARD DEATH BENEFITS

Standard Death Benefits

If the policy is in force at the time of the life insured’s death we will pay an insurance benefit to the beneficiary. The policy may remain in force for the life insured’s entire lifetime and there is no specified maturity or expiration date.

Insurance benefits are only payable when we receive due proof of death at the Service Office, in the form of either a certified copy of the death certificate, a certified copy of a decree of a court of competent jurisdiction as to the finding of death or other proof satisfactory to us.

The amount of the insurance benefit payable will be the death benefit on the date of death, as described below, less any Policy Debt and outstanding monthly deductions on the date of death. The insurance benefit will be paid in one lump sum unless another form of settlement is agreed to by the beneficiary and us. If the insurance benefit is paid in one sum, we will pay interest from the date of death to the date of payment. If the life insured should die after our receipt of a request for surrender, no insurance benefit will be payable, and we will pay only the net cash surrender value.

15

Minimum death benefit. Both the CVA Test and the GP Test require the death benefit to be at least a prescribed ratio of the policy value at all times. The Policy’s Minimum Death Benefit ensures that these requirements are met by providing that the death benefit shall be at least equal to the policy value multiplied by the applicable Minimum Death Benefit Percentage for the attained age of the life insured. Tables of Minimum Death Benefit Percentages appear below.

Table of Minimum Death Benefit Percentages.

Age	GP Test Percent			CVA Test Male			Female			Unisex			Age	GP Test Percent			CVA Test Male			Female			Unisex
20		250	%		644	%		768	%		665	%	60		130	%		189	%		218	%		194	%
21		250	%		625	%		743	%		645	%	61		128	%		184	%		211	%		189	%
22		250	%		607	%		720	%		626	%	62		126	%		180	%		206	%		185	%
23		250	%		589	%		697	%		608	%	63		124	%		175	%		200	%		180	%
24		250	%		572	%		674	%		589	%	64		122	%		171	%		194	%		176	%
25		250	%		554	%		652	%		571	%	65		120	%		167	%		189	%		172	%
26		250	%		537	%		631	%		554	%	66		119	%		164	%		184	%		168	%
27		250	%		520	%		611	%		536	%	67		118	%		160	%		180	%		164	%
28		250	%		504	%		591	%		519	%	68		117	%		157	%		175	%		160	%
29		250	%		488	%		572	%		502	%	69		116	%		153	%		171	%		157	%
30		250	%		472	%		553	%		486	%	70		115	%		150	%		166	%		154	%
31		250	%		457	%		535	%		470	%	71		113	%		147	%		162	%		151	%
32		250	%		442	%		517	%		455	%	72		111	%		145	%		158	%		147	%
33		250	%		428	%		500	%		440	%	73		109	%		142	%		154	%		145	%
34		250	%		414	%		484	%		426	%	74		107	%		139	%		151	%		142	%
35		250	%		400	%		468	%		412	%	75		105	%		137	%		147	%		139	%
36		250	%		387	%		453	%		399	%	76		105	%		135	%		144	%		137	%
37		250	%		375	%		438	%		386	%	77		105	%		133	%		141	%		135	%
38		250	%		362	%		424	%		373	%	78		105	%		131	%		139	%		133	%
39		250	%		351	%		410	%		361	%	79		105	%		129	%		136	%		131	%
40		250	%		340	%		397	%		350	%	80		105	%		127	%		133	%		129	%
41		243	%		329	%		384	%		339	%	81		105	%		125	%		131	%		127	%
42		236	%		319	%		372	%		328	%	82		105	%		124	%		129	%		125	%
43		229	%		309	%		361	%		318	%	83		105	%		122	%		127	%		124	%
44		222	%		299	%		350	%		308	%	84		105	%		121	%		125	%		122	%
45		215	%		290	%		339	%		299	%	85		105	%		120	%		123	%		121	%
46		209	%		281	%		329	%		290	%	86		105	%		118	%		121	%		119	%
47		203	%		273	%		319	%		281	%	87		105	%		117	%		120	%		118	%
48		197	%		265	%		309	%		272	%	88		105	%		116	%		118	%		117	%
49		191	%		257	%		300	%		264	%	89		105	%		115	%		117	%		116	%
50		185	%		249	%		291	%		257	%	90		105	%		114	%		115	%		115	%
51		178	%		242	%		282	%		249	%	91		104	%		113	%		114	%		114	%
52		171	%		235	%		274	%		242	%	92		103	%		112	%		113	%		112	%
53		164	%		228	%		266	%		235	%	93		102	%		111	%		112	%		111	%
54		157	%		222	%		258	%		229	%	94		101	%		110	%		110	%		110	%
55		150	%		216	%		251	%		222	%	95		100	%		109	%		109	%		109	%
56		146	%		210	%		244	%		216	%	96		100	%		107	%		107	%		107	%
57		142	%		205	%		237	%		210	%	97		100	%		106	%		106	%		106	%
58		138	%		199	%		230	%		205	%	98		100	%		104	%		104	%		104	%
59		134	%		194	%		224	%		199	%	99		100	%		103	%		103	%		103	%
													100+		100	%		100	%		100	%		100	%

16

Flexible Term Insurance Option Rider. You may add the FTIO Rider to the policy to provide additional death benefit coverage on the life insured. The FTIO Rider provides flexible term life insurance to attained age 100 with cost of insurance charges less than or equal to those of the policy. The Rider will terminate at the earlier of attained age 100, the date the policy lapses or is surrendered, and your request to cancel the FTIO Rider.

You may schedule the death benefit amounts that will apply at specified times (the “Scheduled Death Benefits”). Scheduled Death Benefits may be constant or varying from time to time. The Death Benefit Schedule will be shown in the policy.

The Term Insurance Benefit of the FTIO Rider is equal to (a) minus (b) but not less than zero where:

(a) the Scheduled Death Benefit for the policy month, and

(b) the Face Amount of the policy or, if greater, the policy’s Minimum Death Benefit

Even if the Term Insurance Benefit may be zero in a policy month, the Rider will not terminate.

Example. A policy is purchased for an executive as part of an employee benefit plan. The death benefit provided by the policy is to be equal to the executive’s salary of $100,000 increasing at 5% per year through age 64. Assuming the executive is currently 55, the policy will be issued with a death benefit Schedule as follows:

Policy Year	Scheduled Death Benefit
1	100,000
2	105,000
3	110,250
4	115,763
5	121,551
6	127,628
7	134,010
8	140,710
9	147,746
10+	155,133

The FTIO Rider amount will change each year as necessary to provide the benefits shown in the schedule, as follows:

Policy Year	Total Death Benefit	Face Amount	Flexible Term Insurance Amount
1	100,000	100000	0
2	105,000	100000	5,000
3	110,250	100000	10,250
4	115,763	100000	15,763
5	121,551	100000	21,551
6	127,628	100000	27,628
7	134,010	100000	34,010
8	140,710	100000	40,710
9	147,746	100000	47,746
10	155,133	100000	55,133

Death benefit options. You may choose either of two death benefit Options:

Death Benefit Option 1. The death benefit on any date is the Face Amount of the policy or, if greater, the Minimum Death Benefit, plus the Term Insurance Benefit of the FTIO Rider.

17

Death Benefit Option 2. The death benefit on any date is the Face Amount plus the policy value or, if greater, the Minimum Death Benefit, plus the Term Insurance Benefit of the FTIO Rider.

Changing the death benefit option. You may change the death benefit Option at any time. The change will take effect at the beginning of the next policy month that is at least 30 days after your written request is received at the Service Office. We reserve the right to limit changes that could cause the policy to fail to qualify as life insurance for tax purposes.

A change in the death benefit Option will result in a change in the Face Amount and Scheduled Death Benefits to avoid any change in the amount of death benefit, as follows:

Change from Option 1 to Option 2. The new Face Amount will be the Face Amount prior to the change less the policy value on the date of the change.

• The Scheduled Death Benefit amounts for dates on or after the date of the change will be the amounts scheduled prior to the change less the policy value on the date of the change.

• Coverage amounts will be reduced or eliminated in the order that they are listed in the policy until the total decrease in coverage amounts equals the decrease in Face Amount.

Example. A policy is issued with a Face amount of $100,000, death benefit Option 1, and the following schedule:

Policy Year	Scheduled Death
1	100,000
2	125,000
3	150,000
4	175,000
5+	200,000

The death benefit Option is changed to Option 2 at the beginning of policy year 3. If the policy value at the time of the change is $10,000, then the Face Amount after the change will be $90,000 (the Face Amount prior to the change less the policy value) and the Death Benefit Schedule after the change will become:

Policy Year	Scheduled Death
3	140,000
4	165,000
5+	190,000

Change from Option 2 to Option 1. The new Face Amount will be the Face Amount prior to the change plus the policy value on the date of the change (but the new Face Amount will be no greater than the Scheduled Death Benefit on the date of the change.)

The resulting Face Amount increase will be added to the first coverage amount listed in the policy.

The Annual Premium Target for this coverage amount will not be increased and new sales charges will not apply, however, for an increase solely due to a change in the death benefit Option.

18

Example. A policy is issued with a Face amount of $100,000, death benefit Option 2, and the following schedule:

Policy Year	Scheduled Death
1	100,000
2	125,000
3	150,000
4	175,000
5+	200,000

The death benefit Option is changed to Option 1 at the beginning of policy year 3. If the policy value at the time of the change is $10,000, then the Face Amount after the change will be $110,000 (the Face Amount prior to the change plus the policy value), and the Death Benefit Schedule after the change will become:

Policy Year	Scheduled Death
3	160,000
4	185,000
5+	210,000

Changing the Face Amount and scheduled death benefits.   At any time, you may request an increase or decrease to the Face Amount or any Scheduled Death Benefits effective on or after the date of change. We reserve the right to limit changes that could cause the policy to fail to qualify as life insurance for tax purposes.

Increases in Face Amount and Scheduled Death Benefits. Increases in Face Amount and Scheduled Death Benefits are subject to the following conditions:

• Increases in Face Amount and Scheduled Death Benefits will require satisfactory evidence of the life insured’s insurability.

• Increases will take effect at the beginning of the next policy month after we approve the request.

• We may refuse a requested increase that would not meet our requirements for new policy issues at the time due to the life insured’s attained age or other factors.

• If the Face Amount is increased (other than as required by a death benefit Option change) then all Scheduled Death Benefits effective on or after the date of the change will be increased by the amount of the Face Amount increase.

New Sales charges for a Face Amount increase. Coverage amounts equal to the amount of the increase will be added to the policy as follows:

• First, coverage amounts that were reduced or eliminated by a prior Face Amount decrease will be restored.

• Second, if needed, a new coverage amount will be added to the policy with an Annual Premium Target and new sales charges. Any new coverage amount will be based on the life insured’s attained age and other relevant factors on the effective date of the increase.

Premiums paid on or after the increase may be attributed to the new coverage amount and result in sales charges (see “Charges and Deductions — Attribution of Premiums”).

Decreases in Face Amount and scheduled death benefits . Decreases in Face Amount and scheduled death benefits are subject to the following conditions:

• Decreases in Face Amount and scheduled death benefits will take effect at the beginning of the next policy Month which is at least 30 days after your written request is received at the Service Office.

19

• If the Face Amount is decreased then all scheduled death benefits effective on or after the date of the change will be decreased by the same amount.

• If at any time the scheduled death benefit decreases to less than the Face Amount, the Face Amount will be decreased to be equal to the scheduled death benefit at that time.

• Coverage amounts equal to the amount of the Face Amount decrease will be reduced or eliminated in the reverse order that they are listed in the policy (see “Charges and Deductions — Deductions from Premium Payments”).

Decreases in Face Amount under death benefit Option 1 due 2 to a partial withdrawal. If death benefit Option 1 is in effect when a partial withdrawal is made, the Face Amount will be decreased by an amount equal to (a) minus (b) but not less than zero, where:

(a) is the partial withdrawal amount and

(b) is the excess, if any, of the policy’s Minimum Death Benefit over its Face Amount, immediately prior to the partial withdrawal.

Decreases in Face Amount under death benefit Option 1 due to a Partial Withdrawal are subject to the following conditions:

• Coverage amounts equal to the amount of the Face Amount decrease will be reduced or eliminated in the reverse order that they are listed in the policy.

• All Scheduled Death Benefits effective on or after the date of the partial withdrawal will be decreased by the amount of the Face Amount decrease, unless you request otherwise and we approve.

Example for Face Increases and Decreases. A policy is issued with a Face Amount of $100,000, death benefit Option 1, and a Death Benefit Schedule as follows:

Policy Year	Scheduled Death
1	100,000
2	125,000
3	150,000
4	175,000
5+	200,000

Assume the following policy activity:

Activity	Effect on Policy	Change in Benefit Schedule
In policy year 2, the Face Amount is reduced to $80,000.	The initial Coverage amount is reduced to $80,000.	Policy Year	Scheduled Death Benefit
		2	105,000
		3	130,000
		4	155,000
		5+	180,000

20

Activity	Effect on Policy	Change in Benefit Schedule
In policy year 3, the Face Amount is increased to $120,000	The initial coverage amount (which earlier was reduced to $80,000) is restored to its original level of $100,000. A new coverage amount for $20,000 is added to the policy. This new coverage amount will have its own Annual Premium Target, and if applicable, its own sales charge. A portion of the future premiums paid will be attributed to this coverage amount to determine the amount of the sales charge.	Policy Year	Scheduled Death Benefit
		3	170,000
		4	195,000
		5+	220,000
In policy year 4, a Partial Withdrawal of $30,000 is made.	The Face Amount is reduced to $90,000. The most recent coverage amount of $20,000 is reduced to $0, and the initial coverage amount is reduced to $90,000.	Policy Year	Scheduled Death Benefit
		4	165,000
		5	190,000

Factors that affect the death benefit. In the case of death benefit Option 2 where the death benefit is the Face Amount plus the policy value, changes in the policy value will affect the amount of death benefit. Factors that affect the policy value are the investment performance of the variable investment accounts chosen and the charges deducted. For a discussion of how these factors affect policy value see the “Risks/Benefits Summary.” These factors do not affect the Face Amount of the policy. Therefore, the amount of death benefit under Option 1 will not be less than the Face Amount as long as the policy does not lapse.

SURRENDERS AND WITHDRAWALS

Surrender and Withdrawal

A policy may be surrendered for its net cash surrender value at any time while the life insured is living. The net cash surrender value is equal to the policy value less any surrender charge, monthly deductions due and Policy Debt. The net cash surrender value will be determined at the end of the Business Day on which we receive the policy and a written request for surrender at the Service Office. When a policy is surrendered, the insurance coverage and all other benefits under the policy will terminate. You may make a partial withdrawal of the net cash surrender value at any time.

Additional Information Regarding Surrender and Withdrawal

You may designate how the withdrawal amount is allocated among the investment account and the fixed account. If you give no instructions, the withdrawal amount will be allocated among the accounts in the same proportion as the policy value in each account bears to the net policy value.

The death benefit may be reduced as a result of a partial withdrawal.

21

LOANS

Availability of Loans, Limitations and Interest

At any time while the policy is in force, you may borrow against the policy value. The policy is the only security for the loan. policy loans may have tax consequences. See “TAXES – Policy Loans.”

A policy loan will affect future policy values, since the portion of the policy value in the Loan Account will receive the loan interest credited rate rather than varying with the performance of the underlying portfolios or increasing at the fixed account interest credited rate. A policy loan may cause a policy to be more susceptible to lapse since it reduces the net cash surrender value from which monthly deductions are taken. A policy loan causes the amount payable upon death of the life insured to be reduced by the amount of outstanding Policy Debt.

The amount of any loan cannot exceed the amount that would cause the Policy Debt to equal the Policy’s Cash Surrender Value less the monthly deductions due from the date of the loan to the next policy anniversary.

Interest on the Policy Debt will accrue daily and be payable annually on the policy anniversary. The rate of interest charged will be an effective annual rate of 4%.

When a loan is made, an amount equal to the loan will be deducted from the investment accounts or the fixed account and transferred to the Loan Account. You may designate how this amount is allocated among the Accounts. If you give no instructions, the amount transferred will be allocated among the investment accounts and the fixed account in the same proportion as the policy value in each investment account and the fixed account bears to the net policy value. A transfer from an investment account will result in the cancellation of units of the underlying sub-account equal in value to the amount transferred from the investment account. However, since the Loan Account is part of the policy value, transfers made in connection with a loan will not change the policy value.

Policy value in the Loan Account will earn interest at an effective annual rate guaranteed to be at least 3.25%. We may declare a current interest rate that is greater than this, subject to change at any time. The excess of the loan interest charged rate (4%) over the loan interest credited rates will result in a net charge against the policy value with respect to any Policy Debt.

Currently we credit loan interest rates which vary by policy year as follows:

Policy Years	Current Loan Interest Credited Rates			Excess of Loan Interest Charged Rate
1-10		3.25	%		0.75	%
11+		3.75	%		0.25	%

On the first day of each policy month the difference between the Loan Account and the Policy Debt is transferred to the Loan Account from the investment accounts or the fixed account. The amount transferred will be allocated to the investment accounts and the fixed account in the same proportion as the policy value in each investment account or the fixed account bears to the net policy value.

Loan Repayments

Policy Debt may be repaid, in whole or in part, at any time prior to the death of the life insured while the policy is in force. A loan repayment amount will be credited to the Loan Account and transferred to the fixed account or the investment accounts in the same proportion as the policy value in each Account bears to the net policy value.

Amounts paid to us not specifically designated in writing as loan repayments will be treated as premiums.

22

OTHER BENEFITS AVAILABLE UNDER THE POLICY

In addition to the standard death benefits associated with your policy, other standard and/or optional benefits may also be available to you. The following tables summarize information about those benefits. Information about the fees associated with each benefit included in the tables may be found in the FEE TABLE.

STANDARD BENEFITS
Name of Benefit	Purpose	Brief Description of Restrictions/Limitations
Dollar cost averaging	Under the dollar cost averaging program, you will designate an amount that will be transferred monthly from one variable investment account into any other variable investment account or a fixed account.	We reserve the right to cease to offer this program after written notice to you.
Asset allocation balancing	Under the asset allocation balancer program, you will designate a percentage allocation of policy value among variable investment accounts. We will automatically transfer amounts among the variable investment accounts at intervals you select (annually, semi-annually, quarterly, or monthly) to reestablish your chosen allocation.	We reserve the right to cease this program after written notice to you.

OPTIONAL BENEFITS
Name of Benefit	Purpose	Brief Description of Restrictions/Limitations
Flexible Term Insurance Option Rider	You may add the FTIO Rider to the policy to provide additional death benefit coverage on the life insured. The FTIO Rider provides flexible term life insurance to attained age 100 with cost of insurance charges less than or equal to those of the policy.	The Rider will terminate at the earlier of attained age 100, the date the policy lapses or is surrendered, and your request to cancel the FTIO Rider.

More About Certain Optional Benefits

When you apply for a policy, you can request any of the optional supplementary benefit riders that we then make available. Availability of any rider, the benefits it provides and the charges for it may vary by state. Our rules and procedures will govern eligibility for any rider and, in some cases, the configuration of the actual rider benefits. Each rider contains specific details that you should review before you decide to choose the rider. You may request an example illustrating the operation of any of the following optional supplementary benefit riders by contacting the Service Office at 1-800-732-5543. Charges for most riders will be deducted from the policy value. We may change these charges (or the rates that determine them), but not above any applicable maximum amount stated in your policy specifications. We may add to, delete from or modify the list of optional supplementary benefit riders.

Flexible Term Insurance Option Rider. You may add the FTIO Rider to the policy to provide additional death benefit coverage on the life insured. The FTIO Rider provides flexible term life insurance to attained age 100 with cost of insurance charges less than or equal to those of the policy. The Rider will terminate at the earlier of attained age 100, the date the policy lapses or is surrendered, and your request to cancel the FTIO Rider.

23

You may schedule the death benefit amounts that will apply at specified times (the “Scheduled Death Benefits”). Scheduled Death Benefits may be constant or varying from time to time. The Death Benefit Schedule will be shown in the policy.

The Term Insurance Benefit of the FTIO Rider is equal to (a) minus (b) but not less than zero where:

(a) the Scheduled Death Benefit for the policy month, and

(b) the Face Amount of the policy or, if greater, the policy’s Minimum Death Benefit

Even if the Term Insurance Benefit may be zero in a policy month, the Rider will not terminate.

Example. A policy is purchased for an executive as part of an employee benefit plan. The death benefit provided by the policy is to be equal to the executive’s salary of $100,000 increasing at 5% per year through age 64. Assuming the executive is currently 55, the policy will be issued with a death benefit Schedule as follows:

Policy Year	Scheduled Death Benefit
1	100,000
2	105,000
3	110,250
4	115,763
5	121,551
6	127,628
7	134,010
8	140,710
9	147,746
10+	155,133

The FTIO Rider amount will change each year as necessary to provide the benefits shown in the schedule, as follows:

Policy Year	Total Death Benefit	Face Amount	Flexible Term Insurance Amount
1	100,000	100000		0
2	105,000	100000		5,000
3	110,250	100000		10,250
4	115,763	100000		15,763
5	121,551	100000		21,551
6	127,628	100000		27,628
7	134,010	100000		34,010
8	140,710	100000		40,710
9	147,746	100000		47,746
10	155,133	100000		55,133

TAXES

This description of Federal income tax consequences is only a brief summary and is neither exhaustive nor authoritative. It was written to support the promotion of our products. It does not constitute legal or tax advice, and it is not intended to be used and cannot be used to avoid any penalties that may be imposed on you. Tax consequences will vary based on your own particular circumstances, and for further information you should consult a qualified tax adviser. Federal, state and local tax laws, regulations and interpretations can change from

24

time to time. As a result, the tax consequences to you and the beneficiary may be altered, in some cases retroactively. The policy may be used in various arrangements, including non-qualified deferred compensation or salary continuation plans, split dollar insurance plans, executive bonus plans, retiree medical benefit plans and others. The tax consequences of such plans may vary depending on the particular facts and circumstances of each individual arrangement. Therefore, if the value of using the policy in any such arrangement depends in part on the tax consequences, a qualified tax adviser should be consulted for advice.

General

We are taxed as a life insurance company. Under current tax law rules, we include the investment income (exclusive of capital gains) of the Separate Account in our taxable income and take deductions for investment income credited to our policy holder reserves. We are also required to capitalize and amortize certain costs instead of deducting those costs when they are incurred. We do not currently charge the Separate Account for any resulting income tax costs, other than a charge we may impose against the Separate Account to compensate us for the cost of a delay in the deductibility of deferred acquisition costs (the “DAC tax” adjustment) pursuant to section 848 of the Internal Revenue Code. We also claim certain tax credits or deductions relating to foreign taxes paid and dividends received by the series funds. These benefits can be material. We do not pass these benefits through to the Separate Account, principally because: (i) the deductions and credits are allowed to us and not the policy owners under applicable tax law; and (ii) the deductions and credits do not represent investment return on the Separate Account assets that is passed through to policy owners.

The policies permit us to deduct a charge for any taxes we incur that are attributable to the operation or existence of the policies or the Separate Account. Currently, we do not anticipate making any specific charge for such taxes other than any DAC tax charge and premium taxes where applicable. If the level of the current taxes increases, however, or is expected to increase in the future, we reserve the right to make a charge in the future.

Death Benefit Proceeds and Other Policy Distributions

Generally, death benefits paid under policies such as yours are not subject to income tax unless policy ownership has been transferred in exchange for payment. Earnings on your policy value are ordinarily not subject to income tax as long as we don’t pay them out to you. If we do pay out any amount of your policy value upon surrender or partial withdrawal, all or part of that distribution would generally be treated as a return of the premiums you’ve paid and not subjected to income tax. Any portion not treated as a return of your premiums would be includible in your income.

Please note that certain distributions associated with a reduction in death benefit or other policy benefits within the first fifteen years after issuance of the policy are ordinarily taxable in whole or in part. Amounts you borrow are generally not taxable to you.

However, some of the tax rules change if your policy becomes a modified endowment contract. This can happen if you’ve paid premiums in excess of limits prescribed by the tax laws. In that case, additional taxes and penalties may be payable for policy distributions of any kind, including loans. (See “7-pay Premium Limit and Modified Endowment Contract Status” below.)

We expect the policy to receive the same Federal income and estate tax treatment as fixed benefit life insurance policies. Section 7702 of the Internal Revenue Code defines a life insurance contract for Federal tax purposes. For a policy to be treated as a life insurance contract, it must satisfy either the cash value accumulation test or the guideline premium test. These tests limit the amount of premium that you may pay into the policy. We will monitor compliance with these standards. If we determine that a policy does not satisfy section 7702, we may take whatever steps are appropriate and reasonable to bring it into compliance with section 7702.

25

If the policy complies with section 7702, the death benefit proceeds under the policy ordinarily should be excludible from the beneficiary’s gross income under section 101 of the Internal Revenue Code. (As noted above, a transfer of the policy for valuable consideration may limit the exclusion of death benefits from the beneficiary’s income.)

Increases in policy value as a result of interest or investment experience will not be subject to Federal income tax unless and until values are received through actual or deemed distributions. In general, unless the policy is a modified endowment contract, the owner will be taxed only on the amount of distributions that exceed the premiums paid under the policy. An exception to this general rule occurs in the case of a decrease in the policy’s death benefit or any other change that reduces benefits under the policy in the first fifteen years after the policy is issued and that results in a cash distribution to the policy owner. Changes that reduce benefits include partial withdrawals, death benefit option changes, and distributions required to keep the policy in compliance with section 7702. For purposes of this rule any distribution within the two years immediately before a reduction in benefits will also be treated as if it were a result of the reduction. A cash distribution that reduces policy benefits will be taxed in whole or in part (to the extent of any gain in the policy) under rules prescribed in section 7702. The taxable amount is subject to limits prescribed in section 7702(f)(7). Any taxable distribution will be ordinary income to the owner (rather than capital gain).

Distributions for tax purposes include amounts received upon surrender or partial withdrawals, and may include the charges for certain supplementary benefit riders. You may also be deemed to have received a distribution for tax purposes if you assign all or part of your policy rights or change your policy’s ownership. . If you use policy value to pay down a policy loan, the amount so applied will be treated as a distribution

It is possible that, despite our monitoring, a policy might fail to qualify as a life insurance contract under the Internal Revenue Code. This could happen, for example, if we inadvertently failed to return to you any premium payments that were in excess of amounts permitted under section 7702, or if any of the funds failed to meet certain investment diversification or other requirements of the Internal Revenue Code. If this were to occur, you would be subject to income tax on the income credited to the policy from the date of issue to the date of the disqualification and for subsequent periods.

Tax consequences of ownership or receipt of policy proceeds under Federal, state and local estate, inheritance, gift and other tax laws will depend on the circumstances of each owner or beneficiary. If the person insured by the policy is also its owner, either directly or indirectly through an entity such as a revocable trust, the death benefit will be includible in his or her estate for purposes of the Federal estate tax. If the owner is not the person insured, the value of the policy will be includible in the owner’s estate upon his or her death. Even if ownership has been transferred, the death proceeds or the policy value may be includible in the former owner’s estate if the transfer occurred less than three years before the former owner’s death or if the former owner retained certain kinds of control over the policy. You should consult your tax adviser regarding these possible tax consequences.

Because there may be unfavorable tax consequences (including recognition of taxable income and the loss of income tax-free treatment for any death benefit payable to the beneficiary), you should consult a qualified tax adviser prior to changing the policy’s ownership or making any assignment of ownership interests.

Policy Loans

We expect that, except as noted below (see “7-pay Premium Limit and Modified Endowment Contract Status”), loans received under the policy will be treated as indebtedness of an owner and that no part of any loan will constitute income to the owner. However, if the policy terminates for any reason other than the payment of the death benefit, an amount equal to any outstanding loan that was not previously considered income will be treated as if it had been distributed to the owner upon such termination. This could result in a considerable tax bill. Under certain circumstances involving large amounts of outstanding loans, you might find yourself having to choose between high premiums required to keep your policy from lapsing and a significant tax burden if you allow the lapse to occur.

26

Diversification Rules and Ownership of the Separate Account

Your policy will not qualify for the tax benefits of a life insurance contract unless the Separate Account follows certain rules requiring diversification of investments underlying the policy. In addition, the rules require that the policy owner not have “investor control” over the underlying assets.

In certain circumstances, the owner of a variable life insurance policy may be considered the owner, for Federal income tax purposes, of the assets of the Separate Account used to support the policy. In those circumstances, income and gains from the Separate Account assets would be includible in the policy owner’s gross income. The Internal Revenue Service (“IRS”) has stated in published rulings that a variable policy owner will be considered the owner of Separate Account assets if the policy owner possesses incidents of ownership in those assets, such as the ability to exercise investment control over the assets. A Treasury Decision issued in 1986 (T.D. 8101) stated that guidance would be issued in the form of regulations or rulings on “the extent to which policyholders may direct their investments to particular sub-accounts of a Separate Account without being treated as owners of the underlying assets.” As of the date of this prospectus, no comprehensive guidance on this point has been issued. In Rev. Rul. 2003-91, however, the IRS ruled that a contract holder would not be treated as the owner of assets underlying a variable life insurance or annuity contract despite the owner’s ability to allocate funds among as many as twenty subaccounts.

The ownership rights under your policy are similar to, but different in certain respects from, those described in IRS rulings in which it was determined that policyholders were not owners of Separate Account assets. Since you have greater flexibility in allocating premiums and policy values than was the case in those rulings, it is possible that you would be treated as the owner of your policy’s proportionate share of the assets of the Separate Account.

We do not know what future Treasury Department regulations or other guidance may require. We cannot guarantee that the funds will be able to operate as currently described in the series funds’ prospectuses, or that a series fund will not have to change any fund’s investment objectives or policies. We have reserved the right to modify your policy if we believe doing so will prevent you from being considered the owner of your policy’s proportionate share of the assets of the Separate Account, but we are under no obligation to do so.

7-pay Premium Limit and Modified Endowment Contract Status

At the time of policy issuance, we will determine whether the Planned Premium schedule will exceed the 7-pay limit discussed below. If so, our standard procedures prohibit issuance of the policy unless you sign a form acknowledging that fact.

The 7-pay limit at any time during the first seven contract years is the total of net level premiums that would have been payable at or before that time under a comparable fixed policy that would be fully “paid-up” after the payment of seven equal annual premiums. “Paid-up” means that no further premiums would be required to continue the coverage in force until maturity, based on certain prescribed assumptions. If the total premiums paid at any time during the first seven policy years exceed the 7-pay limit, the policy will be treated as a modified endowment contract, which can have adverse tax consequences.

Policies classified as modified endowment contracts are subject to the following tax rules:

• First, all withdrawals from such a policy are treated as ordinary income subject to tax up to the amount equal to the excess (if any) of the policy value immediately before the withdrawal over the investment in the policy at such time. If you own any other modified endowment contracts issued to you in the same calendar year by the same insurance company or its affiliates, their values will be combined with the value of the policy from which you take the withdrawal for purposes of determining how much of the withdrawal is taxable as ordinary income.

• Second, loans taken from or secured by such a policy and assignments or pledges of any part of its value are treated as partial withdrawals from the policy and taxed accordingly. Past-due loan interest that is added to the loan amount is treated as an additional loan.

27

• Third, a 10% additional penalty tax is imposed on the portion of any distribution (including distributions on surrender) from, or loan taken from or secured by, such a policy that is included in income except where the distribution or loan:

• is made on or after the date on which the policy owner attains age 59¹⁄₂ or

• is attributable to the policy owner becoming disabled.

These exceptions to the 10% additional tax do not apply in situations where the policy is not owned by an individual.

Furthermore, any time there is a “material change” in a policy, the policy will begin a new 7-pay testing period as if it were a newly- issued policy. The material change rules for determining whether a policy is a modified endowment contract are complex. In general, however, the determination of whether a policy will be a modified endowment contract after a material change depends upon the relationship among the death benefit of the policy at the time of such change, the policy value at the time of the change, and the additional premiums paid into the policy during the seven years starting with the date on which the material change occurs.

Moreover, under a policy insuring a single life, if there is a reduction in benefits (such as a reduction in the death benefit or the reduction or cancellation of certain rider benefits) during a 7-pay testing period, the 7-pay limit will generally be recalculated based on the reduced benefits and the policy will be re-tested from the beginning of the 7-pay testing period using the lower limit. If the premiums paid to date at any point during the 7-pay testing period are greater than the recalculated 7-pay limit, the policy will become a modified endowment contract. If your policy is a survivorship policy, a reduction in benefits under the policy at any time will require re-testing. For such a policy the 7-pay limit will generally be recalculated based on the reduced benefits and the policy will be re-tested, using the lower limit, from the date it was issued. You should consult your tax adviser if you have questions regarding the possible impact of the 7-pay limit on your policy.

If your policy is issued as a result of an exchange subject to section 1035 of the Internal Revenue Code, it may be considered to be a modified endowment contract if the death benefit under the new policy is smaller than the death benefit under the exchanged policy, or if you reduce coverage in your new policy after it is issued. Therefore, if you desire to reduce the face amount as part of a 1035 exchange, a qualified tax adviser should be consulted for advice. A new policy issued in exchange for a modified endowment contract will also be a modified endowment contract regardless of any change in the death benefit.

All modified endowment contracts issued by the same insurer (or its affiliates) to the same owner during any calendar year generally are required to be treated as one contract for the purpose of applying the rules on taxation of withdrawals from modified endowment contracts. You should consult your tax adviser if you have questions regarding the possible impact of the 7-pay limit on your policy.

Corporate and H.R. 10 Retirement Plans

The policy may be acquired in connection with the funding of retirement plans satisfying the qualification requirements of section 401 of the Internal Revenue Code. If so, the Internal Revenue Code provisions relating to such plans and life insurance benefits thereunder should be carefully scrutinized. We are not responsible for compliance with the terms of any such plan or with the requirements of applicable provisions of the Internal Revenue Code.

Withholding

To the extent that policy distributions to you are taxable, they are generally subject to withholding for your Federal income tax liability. However if you reside in the United States, you can generally choose not to have tax withheld from distributions. Electing to have no withholding will not reduce your tax liability and may expose you to penalties under the rules governing payment of estimated taxes.

28

Life Insurance Purchases by Residents of Puerto Rico

In Rev. Rul. 2004-75, 2004-31 I.R.B. 109, the Internal Revenue Service ruled that income received by residents of Puerto Rico under a life insurance policy issued by a United States company is U.S.-source income that is subject to United States Federal income tax.

Life Insurance Purchases by Non-resident Aliens

If you are not a U.S. citizen, U.S. resident alien or other U.S. person, you will generally be subject to U.S. Federal withholding tax on taxable distributions from life insurance policies at a 30% rate, unless a lower treaty rate applies. In addition, you may be subject to state and/or municipal taxes and taxes imposed by your country of citizenship or residence. You should consult with a qualified tax adviser before purchasing a policy.

Life Insurance Owned by Citizens or Residents Living Abroad

If you are a U.S. citizen or permanent resident living outside the United States, you are still subject to income taxation by the United States. Since many countries tax on the basis of domicile, you may also be subject to tax in the country or territory in which you are living. The tax-deferred accumulation of gain that a life insurance policy provides under United States tax law may not be available under the tax laws of the country in which you are living. If you are living outside the United States or planning to do so, you should consult with a qualified tax adviser before purchasing or retaining ownership of a policy. If your policy is issued as a result of an exchange of a policy owned or issued outside the United States, the country or territory in which you reside may still tax you on the surrender of the policy replaced through the exchange. You should consult with a qualified tax adviser before exchanging your policy issued outside of the United States for one issued within the United States.

PRINCIPAL RISKS OF INVESTING IN THE POLICY

Lapse Risk

If the net cash surrender value is insufficient to pay the charges when due your policy can terminate (i.e., “lapse”). For example, this can happen because you haven’t paid enough premium, because the performance of the variable investment or general account options you’ve chosen has been poor, or because of a combination of all factors. Since withdrawals and policy charges reduce your policy value, these also increase the risk of lapse. Policy loans also increase the risk of lapse. There is no guarantee that your policy will not lapse even if you pay your planned premium.

Investment Risk/Risk of Loss

The policy offers a number of variable investment accounts, as listed in the APPENDIX. The investment performance of any variable investment account may be good or bad, and you may lose money on amounts you invest in a policy. Your policy value will increase or decrease based on the investment performance of the variable investment accounts you’ve chosen. The variable investment accounts cover a broad spectrum of investment styles and strategies, some variable investment accounts are riskier than others. These risks (and potential rewards) are discussed in detail in the prospectuses of the portfolios. The death benefit may also increase or decrease with investment experience.

An investment in a policy is also subject to risks related to John Hancock USA, including that the obligations (including under the fixed account option), guarantees, or benefits are subject to the claims-paying ability of John Hancock USA. Information about John Hancock USA, including its financial strength ratings, is available upon request from your John Hancock USA representative. Our current financial strength ratings can also be obtained by contacting the Service Office at 1-800-732-5543.

29

Transfer Risk

There is a risk that you will not be able to transfer your policy value from one variable investment account to another because of limitations on the dollar amount or frequency of transfers you can make. The limitations on transfers out of the fixed account are more restrictive than those that apply to transfers out of variable investment accounts. If you purchase certain supplementary benefit riders you will be subject to special transfer restrictions.

To discourage market timing and disruptive trading activity, we impose restrictions on transfers and reserve the right to change, suspend or terminate telephone, facsimile and internet transaction privileges. While we seek to identify and prevent disruptive trading activity, it may not always be possible to do so. Therefore, no assurance can be given that the restrictions we impose will be successful in preventing all disruptive trading and avoiding harm to long term investors.

Early Surrender or Withdrawal Risk/ Not a Short-Term Investment

This policy is not a short-term investment and is not appropriate for an investor who needs ready access to cash. Depending on the policy value at the time you are considering surrender, there may be little or no surrender value payable to you.

Tax Risks

In order for you to receive the tax benefits extended to life insurance under the Code, your policy must comply with certain requirements of the Code. We will monitor your policy for compliance with these requirements, but a policy might fail to qualify as life insurance in spite of our monitoring, which can have adverse tax consequences. If the policy were determined not to qualify as life insurance under the Code, you would be taxed on any income or gains those assets generate. In other words, you would lose the value of the so-called “tax-deferred inside build-up” that is a major benefit of life insurance.

There is a tax risk associated with policy loans. Although no part of a loan is treated as income to you when the loan is made unless your policy is a “modified endowment contract,” surrender or lapse of the policy with a loan outstanding would result in the loan being treated as a distribution at the time of lapse or surrender. This could result in a considerable tax bill. Under certain circumstances involving large amounts of outstanding loans and an insured person of advanced age, you might find yourself having to choose between high premium requirements to keep your policy from lapsing and a significant tax burden if you allow the lapse to occur.

Tax consequences of ownership or receipt of policy proceeds (including surrender or withdrawal proceeds) under Federal, state and local estate, inheritance, gift and other tax laws can vary greatly depending upon the circumstances of each owner or beneficiary. There can also be unfavorable tax consequences on such things as the change of policy ownership or assignment of ownership interests. For these and all the other reasons mentioned above, we recommend you consult with a qualified tax adviser before buying the policy and before exercising certain rights under the policy.

ADDITIONAL INFORMATION REGARDING THE POLICY

Charges and Deductions

Under the policies, we deduct the charges discussed immediately below under “Deductions from premium payments” and “Deductions from policy value.” Although the Fee Table in this prospectus provides disclosure about the maximum rates we are permitted to charge, we currently deduct some of the charges at less than those maximum rates. As a general matter, however, we also are permitted to increase or decrease the rate at which we are deducting any charge, provided that the rate can never exceed the maximum set forth in your policy (including in any applicable supplementary benefit rider) and as disclosed in the Fee Table. By contacting the John Hancock USA Service Office or your John Hancock USA representative at any time, you can obtain

30

information about the then-current rate of any charges that are applicable to your particular circumstances and/or obtain a personalized illustration that will demonstrate the manner in which those specific current charges impact the values under your policy.

Deductions from premium payments.

Premium charge - We will deduct a Premium Charge as a percentage of each premium payment that is guaranteed never to exceed 2.0%. Currently, we waive this charge in policy years 11 and later and charge 0%. The charge is intended to cover a portion of the aggregate amount of various taxes and fees we pay to federal, state and local governments. It is not based on the actual premium tax rate of your state of residence or any other specific tax.

Sales charge - The sales charge is intended to cover a portion of our costs of marketing and distributing the policies.

Attribution of Premiums - An Annual Premium Target is associated with each coverage amount. Annual Premium Targets are based on the coverage amount and the life insured’s attained age, sex and smoking status on the effective date of the coverage amount. The Annual Premium Targets are listed with the coverage amounts in the policy.

Premium payments will be attributed to coverage amounts that have been in effect for less than 5 years. Attribution will begin with the first applicable coverage amount that is listed in the policy. The sum of all premium amounts attributed to a coverage amount in a coverage year is limited to the Annual Premium Target shown in the policy. Premium amounts that exceed the Annual Premium Target will be attributed to the next listed coverage amount, up to its own Annual Premium Target. Attribution will continue in this manner until either the entire premium is attributed to coverage amounts or the Annual Premium Target is exceeded for all applicable coverage amounts.

Sales charge. We deduct a sales charge from all premium amounts attributed to a coverage amount designated as having a sales charge. The sales charge is a percentage of premiums guaranteed never to exceed the percentages below.

Currently we are charging these percentages.

Coverage Year	Percentage
1		13.00%
2		6.25%
3		3.50%
4		2.50%
5		0.50%
6 7+		0.50% 0.00%

Deductions from policy value.

Administration charge - A monthly charge to help cover our administrative costs. This is a flat dollar charge of $12. This charge is intended to cover certain administrative expenses associated with the policy, including maintaining policy records, collecting premiums and processing death claims, surrender and withdrawal requests and various changes permitted under a policy.

31

Cost of insurance charge - A monthly charge for the cost of insurance is paid to the Company and is determined by multiplying a cost of insurance rate by the net amount at risk at the beginning of each policy month.

Death Benefit Option 1. The net amount at risk is equal to the greater of zero, or (a) minus (b), where

(a) is the applicable death benefit amount on the first day of the policy month, divided by 1.0024663; and

(b) is the Policy Value attributed to that death benefit amount on the first day of the policy month.

Death Benefit Option 2. The net amount at risk is equal to the Face Amount of insurance.

Cost of insurance rates and net amounts at risk are determined separately for each coverage amount and for the excess of the death benefit over the Face Amount (the Face Amount is the sum of the coverage amounts).

Attribution of policy value to net amounts at risk - To determine the net amounts at risk, the policy value will be attributed to coverage amounts in the order listed in the policy. The amount of policy value attributed to a coverage amount will be limited to the amount that results in zero net amount at risk, and any excess policy value will then be attributed to the next listed coverage amount. Attribution will continue in this manner until either the entire policy value is attributed or the end of the list of coverage amounts is reached. Any remaining policy value will then be attributed to the excess of the death benefit over the Face Amount.

Cost of insurance rates - Cost of insurance rates are determined separately for each coverage amount and the excess of the death benefit over the Face Amount. There are different current cost of insurance rate bases for:

• Coverage amounts having sales charges, and

• The excess of the death benefit over the Face Amount, including any Term Insurance Benefit under the FTIO Rider.

The cost of insurance rate in a specific policy month for an applicable death benefit amount will depend on:

• the cost of insurance rate basis for the applicable death benefit amount,

• the life insured’s attained age, sex (unless unisex rates are required by law) and smoking status on the effective date of the applicable death benefit amount,

• the underwriting class of the applicable death benefit amount,

• the coverage year, or policy year for the excess of the death benefit over the Face Amount,

• any extra charges for substandard ratings, as stated in the policy.

Since the net amount at risk for death benefit Option 1 is based on a formula that includes as factors the policy value, the net amount at risk is affected by the investment performance of the underlying investment options chosen, payment of premiums and charges assessed.

Cost of insurance rates will generally increase with the life insured’s age and the coverage year.

Cost of insurance rates reflect our expectation as to future mortality experience. They are also intended to cover our general costs of providing the policy, to the extent that these costs are not covered by other charges. Current cost of insurance rates may be changed by us on a basis that does not unfairly discriminate within the class of lives insured.

Guaranteed maximum cost of insurance rates. In no event will the cost of insurance rates we charge exceed the guaranteed maximum rates set forth in the policy, except to the extent that an extra charge is imposed for a substandard rating. The guaranteed rates are the based on 1980 Commissioners Standard Ordinary Sex Distinct (unless unisex rates are required by law) ANB Aggregate Ultimate Mortality Tables. Current cost of insurance rates may be less than the guaranteed rates.

32

Asset-based risk charge - We assess a daily charge against amounts in the investment accounts. This charge is intended to compensate us for insurance risks we assume under the policy, such as benefit payments and expenses that are higher than we expected. We will realize a gain from this charge to the extent it is not needed to provide benefits and pay expenses under the policy.

The charge is a percentage of amounts in the investment accounts, which will reduce Unit Values of the sub-accounts. The charge is guaranteed never to exceed an annual rate of 0.50%. Currently, we charge the following rates:

PolicyYear	Annual Rate
1-10		0.45	%
11+		0.25	%

Supplementary benefit rider charges - A charge for any supplementary insurance benefits added to the policy by means of a rider. Maximum charges for the various riders are shown in the Fee Table above under “Transaction Fees” or “Periodic Charges Other than Annual Portfolio Expenses,” as appropriate. These charges are also specified in the rider’s provisions or the policy specifications. You can obtain information about the specific charges applicable to you from your John Hancock USA representative.

Loan interest charge - We will charge interest on any amount you borrow from your policy. The interest charged on any loan is an effective annual rate of 3.75% in the first ten policy years and 3.00% thereafter. However, we reserve the right to increase the percentage after the tenth policy year to as much as 3.25%.

Transfer fee - We currently do not impose a fee upon transfers of policy value among the variable investment accounts but reserve the right to impose a fee of up to $25.00 for any transfer beyond an annual limit (which will not be less than 12) to compensate us for the costs of processing these transfers.

Charges at the portfolio level - The portfolios must pay investment management fees and other operating expenses from portfolio assets. These fees and expenses are different for each portfolio and reduce the investment return of each portfolio. Therefore, they also indirectly reduce the return you will earn on any variable investment accounts you select. Expenses of the portfolios are not fixed or specified under the terms of the policy, and those expenses may vary from year to year. See APPENDIX.

Additional Information About How Certain Policy Charges Work

The policy is designed for employers and other sponsoring organizations that may purchase multiple policies as a Case. The size or nature of the Case may result in expected savings of sales, underwriting, administrative or other costs. If so, we expect to offer reductions of policy charges and enhancements of surrender value. Eligibility for reductions and enhancements and the amounts available will be determined by a number of factors, including the number of lives to be insured, the total premiums expected to be paid, total assets under management for the policy owner, the nature of the relationship among the lives insured, the purpose for which the policies are being purchased, expected persistency of the individual policies, and any other circumstances which we believe to be relevant to the expected reduction of our expenses. Some of reductions and enhancements may be guaranteed and others may be subject to restrictions or to withdrawal or modification, on a uniform case basis. We may change the nature and amount of reductions and enhancements available from time to time. Reductions and enhancements will be determined in a way that is not unfairly discriminatory to policy owners.

Other Charges We Could Impose in the Future

Currently, we make no specific charge for any federal, state, or local taxes that we incur that may be attributable to such Account or to the policy. We reserve the right in the future to make a charge for any such tax or other economic burden resulting from the application of tax laws that we determines to be attributable to the Separate Account or to the policy.

33

Commissions Paid to Dealers

We pay compensation to broker-dealers for the promotion and sale of the policies, and for providing ongoing service in relation to policies that have already been purchased. We may also pay a limited number of broker-dealers commissions or overrides to “wholesale” the policies; that is, to provide marketing support and training services to the broker-dealer firms that do the actual selling. The compensation paid is not expected to exceed 30% of target premium paid in the first policy year, 5% of target paid in years 2-5, and 2.5% paid thereafter. Compensation on any premium paid in excess of target premium in any year will not exceed 2.5%. Broker-dealers may also receive a service fee of up to $100 per policy per year and an asset trail of up to .10%. This compensation schedule is exclusive of additional compensation and revenue sharing and inclusive of overrides and expense allowances paid to broker-dealers for sale of the policies (not including riders). Under their own arrangements, broker-dealers determine how much of any amounts received from us is to be paid to their registered representatives.

To the extent permitted by SEC and Financial Industry Regulatory Authority (“FINRA”) rules and other applicable laws and regulations, we may enter into special compensation or reimbursement arrangements (“revenue sharing”), either directly or through JH Distributors, with selected broker-dealers and other financial intermediaries. In consideration of these arrangements, a firm may feature our policy in its sales system, give us preferential access to sales staff, or allow JH Distributors or its affiliates to participate in conferences, seminars or other programs attended by the firm’s sales force. We hope to benefit from these revenue sharing and other arrangements through increased sales of our policies.

Selling broker-dealers and other financial intermediaries may receive, directly or indirectly, additional payments in the form of cash, other compensation or reimbursement. These additional compensation or reimbursement arrangements may include, for example, payments in connection with the firm’s “due diligence” examination of the policies, payments for providing conferences or seminars, sales or training programs for invited registered representatives and other employees, payment for travel expenses, including lodging, incurred by registered representatives and other employees for such seminars or training programs, seminars for the public or client seminars, advertising and sales campaigns regarding the policies, payments to assist a firm in connection with its systems, operations and marketing expenses and/or other events or activities sponsored by the firms. We may contribute to, as well as sponsor, various educational programs, sales promotions, and/or other contests in which participating firms and their sales persons may receive gifts and prizes such as merchandise, cash or other rewards as may be permitted under FINRA rules and other applicable laws and regulations.

You should contact your registered representative for more information on compensation arrangements in connection with your purchase of a policy. We provide additional information on special compensation or reimbursement arrangements involving broker- dealers and other financial intermediaries in the Statement of Additional Information (the “SAI”).

Lapse and Reinstatement

Lapse. A policy will go into default if at the beginning of any policy month the policy’s net cash surrender value would be zero or below after deducting the monthly deductions then due. Therefore, a policy could lapse eventually if increases in policy value (prior to deduction of policy charges) are not sufficient to cover policy charges.

Reinstatement. By making a written request, you can reinstate a policy that has gone into default and terminated at any time within the five-year period following the date of termination subject to the following conditions:

(a) You must provide to us evidence of the insured person’s insurability that is satisfactory to us; and

(b)You must pay a premium equal to the amount that was required to bring the policy out of default immediately prior to termination, plus the amount needed to keep the policy in force for at least the next three policy months.

34

If the reinstatement is approved, the date of reinstatement will be the later of the date we approve your request or the date the required payment is received at our Service Office. The policy value on the date of reinstatement, prior to the crediting of any net premium paid in connection with the reinstatement, will be equal to the policy value on the date the policy terminated. Any policy debt not paid upon termination of a policy will be reinstated if the policy is reinstated.

Generally, the suicide exclusion and incontestability provisions will apply from the effective date of reinstatement. A surrendered policy cannot be reinstated.

Variations

Insurance laws and regulations apply to us in every state in which our policies are sold. As a result, terms and conditions of your insurance coverage may vary depending on where you purchase a policy. Specific variations from the information appearing in this prospectus which are required due to insurance laws and regulations are contained in your policy, or in riders or endorsements attached to your policy. You should refer to your policy for these state specific features.

We may vary the charges and other terms of our policies where special circumstances result in sales or administrative expenses, mortality risks or other risks that are different from those normally associated with the policies, subject to the maximum charges described in this prospectus. For example, with respect to policies issued to a class of associated individuals or to a trustee, employer or similar entity where we anticipate that the sales to the members of the class will result in lower than normal sales or administrative expenses, lower taxes or lower risks to us, we may offer the policies with reduced charges or with additional or enhanced features or benefits. We will make these programs available in accordance with our established administrative procedures in effect at the time of the application for a policy. The factors we consider in determining the eligibility of a particular group for such a program are: (i) the nature of the association and its organizational framework; (ii) the method by which sales will be made to the members of the class; (iii) the facility with which premiums will be collected from the associated individuals and the association’s capabilities with respect to administrative tasks; (iv) the anticipated lapse and surrender rates of the policies; (v) the size of the class of associated individuals and the number of years it has been in existence; (vi) the aggregate amount of premiums paid; and (vii) any other such circumstances which result in a reduction in sales or administrative expenses, lower taxes or lower risks. Any reduction in charges or feature or benefit enhancement will be reasonable and will apply uniformly to all prospective policy investors in the class and will not unfairly discriminate against any owner.

Policy or Separate Account Changes

We reserve the right to make any changes in the policy necessary to ensure the policy is within the definition of life insurance under the Federal tax laws and is in compliance with any changes in Federal or state tax laws.

In our policies, we reserve the right to make certain changes if they would serve the best interests of policy owners or would be appropriate in carrying out the purposes of the policies. These changes include the following:

• Changes necessary to comply with or obtain or continue exemptions under the Federal securities laws

• Adding or removing fixed accounts or variable investment accounts

• Combining variable investment accounts

• Closing the variable investment accounts to new allocations or transfers

• Changes in the form of organization of any separate account

Any such changes will be made only to the extent permitted by applicable laws and only in the manner permitted by such laws. When required by law, we will obtain your approval of the changes and the approval of any appropriate regulatory authority.

35

We also reserve the right, subject to compliance with applicable law, including approval of owners if so required, (1) to transfer assets determined by John Hancock USA to be associated with the class of policies to which your policy belongs from the Separate Account to another separate account or subaccount, (2) to deregister the Separate Account under the 1940 Act, (3) to substitute for the fund shares held by a subaccount any other investment permitted by law, and (4) to take any action necessary to comply with or obtain any exemptions from the 1940 Act. Any such change will be made only if, in our judgment, the change would best serve the interests of owners of policies in your policy class or would be appropriate in carrying out the purposes of such policies. We would notify owners of any of the foregoing changes and to the extent legally required, obtain approval of affected owners and any regulatory body prior thereto. Such notice and approval, however, may not be legally required in all cases.

When We Pay Policy Proceeds

We will ordinarily pay any death benefit, withdrawal, surrender value or loan within seven days after we receive the last required form or request (and, with respect to the death benefit, any other documentation that may be required). You may choose to receive proceeds from the policy as a single sum. If we do not have information about the desired manner of payment within seven days after the date we receive documentation of the insured person’s death, we will pay the proceeds as a single sum. As permitted by state law and our current administrative procedures, death claim proceeds may be placed into an interest-bearing John Hancock retained asset account in the beneficiary’s name. The interest earned in a John Hancock retained asset account is normally subject to income tax. You should consult with your tax advisor if you have any questions regarding taxation of the interest earned. We will provide the beneficiary with a checkbook, so checks may be written for all or a part of the proceeds. The retained asset account is part of our general account and is subject to the claims of our creditors. It is not a bank account and it is not insured by the FDIC. We may receive a benefit from managing proceeds held in a retained asset account. Alternatively, you can elect to have proceeds of $1,000 or more applied to any of the other payment options we may offer at the time. You cannot choose an option if the monthly payments under the option would be less than $50. We will issue a supplementary agreement when the proceeds are applied to any alternative payment option. That agreement will spell out terms of the option in full. Please contact our Service Office for more information.

We reserve the right to defer payment of that portion of your policy value that is attributable to a premium payment made by check for a reasonable period of time (not to exceed fifteen days) to allow the check to clear the banking system. We will not delay payment longer than necessary for us to verify a check has cleared the banking system.

We reserve the right to defer payment of any death benefit, loan or other distribution that is derived from a variable investment account if (1) the NYSE is closed (other than customary weekend and holiday closings) or trading on the NYSE is restricted; (2) an emergency exists, as determined by the SEC, as a result of which disposal of securities is not reasonably practicable or it is not reasonably practicable to fairly determine the policy value; or (3) the SEC by order permits the delay for the protection of owners. Transfers and allocations of policy value among the variable investment accounts may also be postponed under these circumstances. If we need to defer calculation of separate account values for any of the foregoing reasons, all delayed transactions will be processed at the next values that we do compute.

State laws allow us to defer payment of any portion of the net cash surrender value derived from the fixed account for up to six months. These laws were enacted many years ago to help insurance companies in the event of a liquidity crisis.

Coverage at and After Age 100

At and after the policy anniversary nearest the insured person’s 100th birthday, the following will occur:

• We will stop any monthly deduction charges.

36

• We will stop accepting any premium payments.

• We will no longer process withdrawals.

• We will continue to credit interest to a fixed account.

• We will not allow any new loans and loan interest will continue to be charged if there is an outstanding loan.

GENERAL DESCRIPTION OF REGISTRANT, DEPOSITOR AND PORTFOLIOS

Depositor

Your policy is issued by John Hancock Life Insurance Company (U.S.A.), 200 Berkeley St., Boston, MA 02116.

Registrant

The “registrant” of the policies with the SEC is the John Hancock Life Insurance Company (U.S.A.) Separate Account N, a separate account operated by us under Michigan law (the “Separate Account”). Each subaccount of the Separate Account invests its assets in one of the portfolios shown in the APPENDIX.

The Separate Account’s assets are our property. Each policy provides that amounts we hold in the Separate Account pursuant to the policies cannot be reached by any other persons who may have claims against us and can’t be used to pay any obligations of John Hancock USA other than those arising out of policies that use the Separate Account. Income, gains and losses credited to, or charged against, the Separate Account reflect the Separate Account’s own investment experience and not the investment experience of John Hancock USA’s other assets. All obligations under the policies (including under any fixed account options), guarantees, or benefits are obligations of John Hancock USA and are subject to its claims paying ability.

We normally compute policy values for each business day as of the close of the NYSE on that day (usually 4:00 p.m. Eastern time). In case of emergency or other disruption resulting in the NYSE closing at a time other than the regularly scheduled close, the close of our business day may be the regularly scheduled close of the NYSE or another time permitted by the SEC and applicable regulations. Over time, the amount you’ve invested in any variable investment account will increase or decrease the same as if you had invested the same amount directly in the corresponding portfolio and had reinvested all of that portfolios’ dividends and distributions in additional portfolio shares, except that we will deduct certain additional charges which will reduce your policy value. We describe these charges under “Charges at the portfolio level.” For certain policy years, we also will apply a policy credit to your policy value.

Portfolios

Information regarding each portfolio, including (i) its name; (ii) its investment objective; (iii) its investment adviser and any sub- investment adviser; (iv) current expenses; and (v) performance is available in the APPENDIX to this prospectus. Each portfolio has issued a prospectus that contains more detailed information about the portfolio. You can obtain the prospectus (hard copy or electronic) and additional information about any portfolio, at the addresses or phone number set forth in the first paragraph of the APPENDIX. On each business day, shares of each series are purchased or redeemed by us for each subaccount based on, among other things, the amount of net premiums allocated to the subaccount, distributions reinvested, and transfers to, from and among subaccounts, all to be effected as of that date. Such purchases and redemptions are effected at each series fund’s net asset value per share determined for that same date. A “business day” is any date on which the NYSE is open for trading.

We will purchase and redeem series fund shares for the Separate Account at their net asset value without any sales or redemption charges. Shares of a series fund represent an interest in one of the funds of the series fund which corresponds to a subaccount of the Separate Account. Any dividend or capital gains distributions received

37

by the Separate Account will be reinvested in shares of that same fund at their net asset value as of the dates paid. We normally calculate the unit values for each variable investment account once every business day as of the close of that day, usually 4:00 p.m. Eastern time. Sales and redemptions within any variable investment account will be transacted using the unit value calculated as follows after we receive your request either in writing or other form that we specify: If we receive your request before the close of our business day, we’ll use the unit value calculated as of the end of that business day. If we receive your request at or after the close of our business day, we’ll use the unit value calculated as of the end of the next business day. If a scheduled transaction falls on a day that is not a business day, we’ll process it as of the end of the next business day.

Voting Portfolio Shares

We will vote all portfolio shares that we hold in the Separate Account for policy owners in proportion to instructions timely received by us from policy owners from all our Separate Accounts that are registered with the SEC under the 1940 Act. We will vote all portfolio shares that we otherwise are entitled to vote (including our own shares and other shares for which we receive no instructions) on any matter in proportion to the instructions timely received by us and any affiliated insurance companies with respect to the matter from policy owners in separate accounts of these insurance companies that are registered with the SEC under the 1940 Act. The effect of this proportional voting is that a small number of policy owners can determine the outcome of a vote. The voting privileges described above reflect our understanding of applicable Federal securities law requirements. To the extent that applicable law, regulations or interpretations change to eliminate or restrict the need for such voting privileges, we reserve the right to proceed in accordance with any such revised requirements.

We will determine the number of portfolio shares for which voting instructions may be given not more than 90 days prior to the meeting. Proxy material will be distributed to each person having the voting interest under the policy together with appropriate forms for giving voting instructions.

We determine the number of a portfolio’s shares held in a subaccount attributable to each owner by dividing the amount of a policy’s variable investment account value held in the subaccount by the net asset value of one share in the series fund. Fractional votes will be counted. We determine the number of shares as to which the owner may give instructions as of the record date for a series fund’s meeting. Owners of policies may give instructions regarding the election of the Board of Trustees or Board of Directors of a series fund, ratification of the selection of independent auditors, approval of series fund investment advisory agreements and other matters requiring a shareholder vote.

LEGAL PROCEEDINGS

There are no legal proceedings to which the Depositor, the Separate Account or the principal underwriter is a party or to which the assets of the Separate Account are subject that are likely to have a material adverse effect on the Separate Account or the ability of the principal underwriter to perform its contract with the Separate Account or of the Depositor to meet its obligations under the policy

FINANCIAL STATEMENTS

The financial statements of the Separate Account, as well as the consolidated financial statements of John Hancock USA are in the SAI. The financial statements of John Hancock USA have relevance for the policies only to the extent that they bear upon its ability to meet its obligations under the policies. You may request an SAI by contacting our Service Office at a phone number or address shown on the back cover of this prospectus.

38

APPENDIX: PORTFOLIOS AVAILABLE UNDER THE POLICY

The following is a list of portfolios available under the policies. More information about the portfolios is available in the prospectuses for the portfolios, which may be amended from time to time. You can request this information at no cost by calling 1-800-732-5543 or by sending an email request to webmail@jhancock.com.

The current expenses and performance information below reflect fees and expenses of the portfolios, but do not reflect the other fees and expenses that your policy may charge. Expenses would be higher and performance would be lower if these other charges were included. Each portfolio’s past performance is not necessarily an indication of future performance.

Investment Objective	Portfolio and Adviser/Subadviser	Current Expenses	Average Annual Total Returns (as of 12/31/22) (%)
			1-Year		5-Year		10-Year
To approximate the aggregate total return of a broad-based U.S. domestic equity market index.	500 Index Trust - Series NAV John Hancock Variable Trust Advisers LLC/Manulife Investment Management (North America) Limited	0.25%*		-18.31		9.15		12.28
To seek income and capital appreciation.	Active Bond Trust - Series I John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.71%*		-13.85		0.24		1.73
To seek to provide high total return (including income and capital gains) consistent with preservation of capital over the long term.	American Asset Allocation Trust - Series I Capital Research and Management Company (Adviser to the Master Fund, American Fund Insurance Series)	0.92%*		-13.76		4.94		7.71
To seek to provide long-term growth of capital.	American Global Growth Trust - Series I Capital Research and Management Company (Adviser to the Master Fund, American Fund Insurance Series)	1.06%*		-25.05		6.65		9.74
To seek to provide growth of capital.	American Growth Trust - Series I Capital Research and Management Company (Adviser to the Master Fund, American Fund Insurance Series)	0.96%*		-30.20		10.72		13.22
To seek to provide long-term growth of capital and income.	American Growth-Income Trust - Series I Capital Research and Management Company (Adviser to the Master Fund, American Fund Insurance Series)	0.90%*		-16.78		7.43		11.14

Appendix-1 App tbl #6

Investment Objective	Portfolio and Adviser/Subadviser	Current Expenses	Average Annual Total Returns (as of 12/31/22) (%)
			1-Year		5-Year		10-Year
To seek to provide long-term growth of capital.	American International Trust - Series I Capital Research and Management Company (Adviser to the Master Fund, American Fund Insurance Series)	1.16%*		-21.11		-1.40		3.53
To provide long-term growth of capital. Current income is a secondary objective.	Blue Chip Growth Trust - Series I John Hancock Variable Trust Advisers LLC/T. Rowe Price Associates, Inc.	0.82%*		-38.09		5.16		11.70
To seek long-term growth of capital.	Capital Appreciation Trust - Series I John Hancock Variable Trust Advisers LLC/Jennison Associates LLC	0.81%		-37.70		8.21		12.90
To seek long-term capital appreciation.	Capital Appreciation Value Trust - Series I John Hancock Variable Trust Advisers LLC/T. Rowe Price Associates, Inc.	0.93%*		-11.86		8.81		10.62
To seek total return consisting of income and capital appreciation.	Core Bond Trust - Series I John Hancock Variable Trust Advisers LLC/Allspring Global Investments, LLC	0.68%		-13.67		-0.20		0.90
To seek long-term growth of capital.	Disciplined Value International Trust - Series I John Hancock Variable Trust Advisers LLC/Boston Partners Global Investors, Inc.	0.86%*		-4.77		1.20		3.57
To seek long-term capital appreciation.	Emerging Markets Value Trust - Series I John Hancock Variable Trust Advisers LLC/Dimensional Fund Advisors LP	1.10%*		-11.67		-0.51		1.23
To provide substantial dividend income and also long-term growth of capital.	Equity Income Trust - Series I John Hancock Variable Trust Advisers LLC/T. Rowe Price Associates, Inc.	0.77%*		-3.40		6.93		9.69
To seek growth of capital.	Financial Industries Trust - Series I John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.90%*		-13.67		5.21		9.39

Appendix-2 App Table #6

Investment Objective	Portfolio and Adviser/Subadviser	Current Expenses	Average Annual Total Returns (as of 12/31/22) (%)
			1-Year		5-Year		10-Year
To seek long-term growth of capital.	Fundamental All Cap Core Trust - Series I John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.76%		-24.29		8.26		12.30
To seek long-term capital appreciation.	Fundamental Large Cap Value Trust - Series I John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.77%*		-7.95		8.59		10.96
To seek long-term capital appreciation.	Global Equity Trust - Series I John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.93%*		-14.84		1.79		5.44
To seek long-term capital appreciation.	Health Sciences Trust - Series I John Hancock Variable Trust Advisers LLC/T. Rowe Price Associates, Inc.	1.04%*		-13.09		9.75		15.09
To realize an above-average total return over a market cycle of three to five years, consistent with reasonable risk.	High Yield Trust - Series I John Hancock Variable Trust Advisers LLC/Western Asset Management Company, LLC	0.84%*		-13.25		1.73		3.10
To seek to track the performance of a broad-based equity index of foreign companies primarily in developed countries and, to a lesser extent, in emerging markets.	International Equity Index Trust - Series I John Hancock Variable Trust Advisers LLC/SSGA Funds Management, Inc.	0.39%*		-16.25		0.78		3.58
To seek long-term capital appreciation.	International Small Company Trust - Series I John Hancock Variable Trust Advisers LLC/Dimensional Fund Advisors LP	1.07%		-18.17		-0.24		5.33
To provide a high level of current income consistent with the maintenance of principal and liquidity.	Investment Quality Bond Trust - Series I John Hancock Variable Trust Advisers LLC/Wellington Management Company LLP	0.75%*		-14.88		-0.06		1.10
To seek long-term growth of capital. Current income is also a consideration.	Lifestyle Growth Portfolio - Series I John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.67%		-16.08		4.39		6.89

Appendix-3 App Table #6

Investment Objective	Portfolio and Adviser/Subadviser	Current Expenses	Average Annual Total Returns (as of 12/31/22) (%)
			1-Year		5-Year		10-Year
To seek growth of capital and current income while seeking to both manage the volatility of return and limit the magnitude of portfolio losses.	Managed Volatility Balanced Portfolio - Series I John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.80%		-15.08		1.26		3.88
To seek current income and growth of capital, while seeking to both manage the volatility of return and limit the magnitude of portfolio losses.	Managed Volatility Conservative Portfolio - Series I John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.78%		-14.80		0.22		2.21
To seek long term growth of capital while seeking to both manage the volatility of return and limit the magnitude of portfolio losses.	Managed Volatility Growth Portfolio - Series I John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.83%		-14.86		1.14		4.20
To seek current income and growth of capital while seeking to both manage the volatility of return and limit the magnitude of portfolio losses.	Managed Volatility Moderate Portfolio - Series I John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.80%		-14.87		1.24		3.68
To seek long-term growth of capital.	Mid Cap Growth Trust - Series I John Hancock Variable Trust Advisers LLC/Wellington Management Company LLP	0.94%		-34.64		8.19		11.30
Seeks to approximate the aggregate total return of a mid cap U.S. domestic equity market index.	Mid Cap Index Trust - Series I John Hancock Variable Trust Advisers LLC/Manulife Investment Management (North America) Limited	0.45%*		-13.43		6.24		10.31
To seek long-term capital appreciation.	Mid Value Trust - Series I John Hancock Variable Trust Advisers LLC/T. Rowe Price Associates, Inc.	0.99%*		-4.31		6.80		10.42
To obtain maximum current income consistent with preservation of principal and liquidity.	Money Market Trust** - Series I John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.33%*		1.29		1.01		0.57
To seek maximum total return, consistent with preservation of capital and prudent investment management.	Opportunistic Fixed Income Trust - Series I John Hancock Variable Trust Advisers LLC/Wellington Management Company LLP	0.91%*		-11.12		0.67		0.79

Appendix-4 App Table #6

Investment Objective	Portfolio and Adviser/Subadviser	Current Expenses	Average Annual Total Returns (as of 12/31/22) (%)
			1-Year		5-Year		10-Year
To seek to achieve a combination of long- term capital appreciation and current income.	Real Estate Securities Trust - Series I John Hancock Variable Trust Advisers LLC/Wellington Management Company LLP	0.80%*		-28.51		4.35		6.62
To seek long-term growth of capital. Current income is incidental to the fund’s objective.	Science & Technology Trust - Series I John Hancock Variable Trust Advisers LLC/T. Rowe Price Associates, Inc.	1.04%*		-35.67		8.57		14.84
To seek income and capital appreciation.	Select Bond Trust - Series I John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.65%*		-14.20		0.06		1.12
To seek a high level of current income consistent with preservation of capital. Maintaining a stable share price is a secondary goal.	Short Term Government Income Trust - Series I John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.71%*		-6.48		-0.12		0.14
Seeks to approximate the aggregate total return of a small cap U.S. domestic equity market index.	Small Cap Index Trust - Series I John Hancock Variable Trust Advisers LLC/Manulife Investment Management (North America) Limited	0.53%*		-20.65		3.72		8.67
To seek long-term capital appreciation.	Small Cap Opportunities Trust - Series I John Hancock Variable Trust Advisers LLC/Dimensional Fund Advisors LP and GW&K Investment Management, LLC	0.89%*		-10.07		6.98		9.73
To seek long-term capital appreciation.	Small Cap Stock Trust - Series I John Hancock Variable Trust Advisers LLC/Wellington Management Company LLP	1.12%*		-31.12		6.69		9.71
To seek long-term capital appreciation.	Small Cap Value Trust - Series I John Hancock Variable Trust Advisers LLC/Wellington Management Company LLP	1.05%*		-10.24		3.19		7.69
To seek long-term growth of capital.	Small Company Value Trust - Series I John Hancock Variable Trust Advisers LLC/T. Rowe Price Associates, Inc.	1.23%*		-18.73		3.55		8.13

Appendix-5 App Table #6

Investment Objective	Portfolio and Adviser/Subadviser	Current Expenses	Average Annual Total Returns (as of 12/31/22) (%)
			1-Year		5-Year		10-Year
To seek a high level of current income.	Strategic Income Opportunities Trust - Series I John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.77%*		-10.06		0.75		2.43
Seeks to approximate the aggregate total return of a broad U.S. domestic equity market index.	Total Stock Market Index Trust - Series I John Hancock Variable Trust Advisers LLC/Manulife Investment Management (North America) Limited	0.57%*		-20.41		8.02		11.40
The fund seeks a high level of current income consistent with the maintenance of liquidity and the preservation of capital.	Ultra Short Term Bond Trust - Series I John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.66%*		-0.84		0.92		0.57
The Portfolio seeks maximum real return consistent with preservation of real capital and prudent investment management.	PIMCO VIT All Asset Portfolio - Series M Pacific Investment Management Company LLC/Research Affiliates, LLC	1.84%		-12.12		2.91		2.94

* This portfolio’s annual expenses reflect temporary fee or expense waivers or reimbursements.

** This Portfolio is no longer accepting premium payments.

Appendix-6 App Table #6

JOHN HANCOCK USA SERVICE OFFICE
Overnight Express Delivery	Mail Delivery
Life Post Issue - Specialty Products John Hancock Insurance Company 410 University Ave. Suite #55979 Westwood, MA 02090	Life Post Issue - Specialty Products John Hancock Insurance Company PO Box 55979 Boston, MA 02205
Phone:	Fax:
1-800-732-5543	1-617-572-1571

In addition to this prospectus, John Hancock USA has filed with the SEC an SAI that contains additional information about John Hancock USA and the Separate Account, including information on our history, services provided to the Separate Account, and the audited financial statements for John Hancock USA and the Separate Account. The SAI is incorporated by reference into this prospectus, and personalized illustrations of death benefits, policy values and surrender values are available, without charge, upon request. You may obtain the personalized illustrations from your John Hancock USA representative. The SAI may be obtained, without charge, by contacting the John Hancock USA Service Office. You should also contact the John Hancock USA Service Office to request any other information about your policy or to make any inquiries about its operation.

Reports and other information about the Separate Account are available on the SEC’s Internet website at http://www.sec.gov. Copies of such information may be obtained, upon payment of a duplicating fee, by submitting an electronic request to the following e-mail address: publicinfo@sec.gov.

1940 Act File No. 811-5130 — 1933 Act File No. 333-100567

EDGAR Contract Identifier No. C000027519

Statement of Additional Information
dated May 1, 2023

for interests in

John Hancock Life Insurance Company (U.S.A.) Separate Account N
(Name of Registrant)

JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.)
(“John Hancock USA”)
(Name of Depositor)

This is a Statement of Additional Information (“SAI”) relating to the following variable life insurance and variable universal life insurance policies issued by John Hancock USA and providing for allocation of premiums and policy values to the John Hancock Life Insurance Company (U.S.A.) Separate Account N: 

Name of Policy (and SEC EDGAR Identifier #)	Name of Policy (and SEC EDGAR Identifier #)
Corporate VUL (C000069370)	Corporate VUL 04 (C000027519)
Corporate VUL 03 (C000027518)	Corporate VUL 05 (C000027520)

This Statement of Additional Information is not the prospectus. The prospectus, dated the same date as this SAI, may be obtained from a John Hancock USA representative or by contacting our Service Office by mail at Life Post Issue- Specialty Products, John Hancock Insurance Company, PO Box 55979, Boston, MA 02205, or telephone at 1-800-521-1234.

Table Of Contents 

	Page No.
General Information and History	2
Depositor	2
Registrant	2
Services	2
Underwriters	2
Principal Underwriter	2
Offering and Commissions	2
Other Payments	3
Additional Information	3
Sales Load	3
Underwriting Procedures	3
Financial statements	3

General Information and History

Depositor

Under the Federal securities laws, the entity responsible for organization of the registered separate account underlying the variable life insurance policy is known as the “Depositor.” John Hancock USA (“Depositor”) is a stock life insurance company organized under the laws of Maine on August 20, 1955 by a special act of the Maine legislature and redomesticated under the laws of Michigan. The Depositor is a licensed life insurance company in the District of Columbia and all states of the United States except New York. Until 2004, the Depositor was known as The Manufacturers Life Insurance Company (U.S.A.). The Depositor's ultimate parent is Manulife Financial Corporation (“MFC”), a publicly traded company based in Toronto, Canada. MFC is the holding company of The Manufacturers Life Insurance Company and its subsidiaries, collectively known as Manulife Financial.

Registrant

Under the Federal securities laws, the registered separate account underlying the variable life insurance policy is known as the “Registrant.” John Hancock Life Insurance Company (U.S.A.) Separate Account N (the “Registrant” or “Separate Account”), is a separate account . The Separate Account meets the definition of “separate account” under the Federal securities laws and is registered as a unit investment trust under the Investment Company Act of 1940 (“1940 Act”). Such registration does not involve supervision by the Securities and Exchange Commission (“SEC”) of the management of the Separate Account or of the Depositor.

Separate Account N’s subaccounts are made available as the variable investment accounts under variable life insurance and variable universal life insurance policies issued by John Hancock USA. New subaccounts may be added and made available to policy owners from time to time. Existing subaccounts may be modified or deleted at any time.

Services

Administration of policies issued by the Depositor and of registered separate accounts organized by the Depositor may be provided by other affiliates. Neither the Depositor nor the separate accounts are assessed any charges for such services.

Custodianship and depository services for the Registrant are provided by State Street Investment Services (“State Street”). State Street’s address is State Street Financial Center, One Lincoln Street, Boston, Massachusetts, 02111.

Audit services are provided by Ernst & Young LLP, independent registered public accounting firm. Ernst & Young LLP’s address is 200 Clarendon Street, Boston, Massachusetts, 02116.

Underwriters

Principal Underwriter

John Hancock Distributors LLC (“JH Distributors”), a Delaware limited liability company wholly owned by John Hancock Life Insurance Company (U.S.A.), is the principal distributor and underwriter of the securities offered through the prospectus. JH Distributors acts as the principal distributor of a number of other life insurance and annuity products we and our affiliates offer or maintain. JH Distributors also acts as the principal underwriter of John Hancock Variable Insurance Trust (the “Trust”), whose securities are used to fund certain variable investment options under the policies and under other life insurance and annuity products we offer or maintain.

JH Distributors' principal address is 200 Berkeley Street, Boston, MA 02116. JH Distributors is a broker-dealer registered under the Securities Act of 1934 (the “1934 Act”) and is a member of the Financial Industry Regulatory Authority (“FINRA”).

Offering and Commissions

We offer the policies for sale, on a continuous basis, through individuals who are licensed as insurance agents and who are registered representatives of broker-dealers that have entered into selling agreements with JH Distributors.

The aggregate dollar amount of underwriting commissions paid to JH Distributors by the Depositor and its affiliates in connection with the sale of variable life products in 2022, 2021, and 2020, was $110,625,049, $99,954,847, and $60,549,713, respectively. JH Distributors did not retain any of these amounts during such periods.

2

The registered representative through whom your policy is sold will be compensated pursuant to the registered representative’s own arrangement with his or her broker-dealer. Compensation to broker-dealers for the promotion and sale of the policies is not paid directly by policy owners but will be recouped through the fees and charges imposed under the policy.

Other Payments

Additional compensation and revenue sharing arrangements may be offered to certain broker-dealer firms and other financial intermediaries. The terms of such arrangements may differ among firms we select based on various factors. In general, the arrangements involve three types of payments or any combination thereof:

• Fixed dollar payments: The amount of these payments varies widely. JH Distributors may, for example, make one or more payments in connection with a firm’s conferences, seminars or training programs, seminars for the public, advertising and sales campaigns regarding the policies, to assist a firm in connection with its systems, operations and marketing expenses, or for other activities of a selling firm or wholesaler. JH Distributors may make these payments upon the initiation of a relationship with a firm, and at any time thereafter.

• Payments based upon sales: These payments are based upon a percentage of the total amount of money received, or anticipated to be received, for sales through a firm of some or all of the insurance products that we and/or our affiliates offer. JH Distributors makes these payments on a periodic basis.

• Payments based upon “assets under management”: These payments are based upon a percentage of the policy value of some or all of our (and/or our affiliates’) insurance products that were sold through the firm. JH Distributors makes these payments on a periodic basis.

Additional Information

Sales Load

We expect to recover our total sales expenses over the life of the policies through policy charges, including the premium, surrender and face amount charges. The amount of the charges in any policy year does not specifically correspond to sales expenses for that year, and to the extent that the premium, surrender and face amount charges do not cover total sales expenses, the sales expenses may be recovered from other sources, including the asset-based risk charge and other charges with respect to the policies, or from our general assets.

Underwriting Procedures

A policy will not be issued until the underwriting process has been completed to our satisfaction. The underwriting process generally includes the obtaining of information concerning the insured person's age, medical history, occupation and other personal information. This information is then used to determine the cost of insurance charge.

Financial statements

The statutory-basis financial statements of John Hancock Life Insurance Company (U.S.A.) as of December 31, 2022 and 2021, and for each of the three years in the period ended December 31, 2022 incorporated in this SAI by reference to the report on Form N-VPFS filed April 11, 2023 have been so incorporated in reliance on the report of Ernst & Young LLP, an independent registered public accounting firm, given on the authority of said firm as experts in auditing and accounting. The financial statements of John Hancock Life Insurance Company (U.S.A.) Separate Account N (File No. 811-05130) as of December 31, 2022 and for each of the periods indicated in the Financial Statements incorporated in this SAI by reference to the report on Form N-VPFS filed April 11, 2023 have been so incorporated in reliance on the report of Ernst & Young LLP, an independent registered public accounting firm, given on the authority of said firm as experts in auditing and accounting.

The business address of Ernst & Young LLP is 200 Clarendon Street, Boston, Massachusetts, 02116.

3

PART C
OTHER INFORMATION

Item 30. Exhibits

The following exhibits are filed as part of this Registration Statement:

(a) Resolution of Board of Directors establishing Separate Account N is incorporated by reference to post-effective amendment number 2, file number 333-152409, filed with the Commission on April 30, 2010.

(b) Not applicable.

(c) (1) Distribution Agreement and Servicing Agreement between John Hancock Distributors and John Hancock Life Insurance Company (U.S.A.) dated February 17, 2009, incorporated by reference to pre-effective amendment number 1, file number 333-157212, filed with the Commission on April 7, 2009.

(2)(a) Specimen General Agent and Broker-Dealer Selling Agreement by and among John Hancock Life Insurance Company (U.S.A.) and John Hancock Distributors LLC effective August, 2009, incorporated by reference to pre-effective amendment number 2, file number 333-157212, filed with the Commission on April 26, 2011.

(b) List of third party broker-dealer firms included as Attachment A, filed herewith.

(d) Form of Specimen Flexible Premium Variable Life Insurance Policy, incorporated by reference to post-effective amendment number 6, file number 333-100567 filed with the Commission on April 30, 2007.

(2) Form of Specimen Flexible Term Insurance Option Term Life Rider, incorporated by reference to post-effective amendment number 6, file number 333-100567, filed with the Commission on April 30, 2007.

(e)(1) Specimen Application for Flexible Premium Variable Life Insurance Policy, incorporated by reference to pre-effective amendment number 1, file number 333-100567, filed with the Commission on December 17, 2002.

(f) (1) Restated Articles of Redomestication of the John Hancock Life Insurance Company (U.S.A.) (formerly, The Manufacturers Life Insurance Company (U.S.A.)) dated December 30, 1992, incorporated by reference to post-effective amendment number 9, file number 333-85284, filed with the Commission on April 30, 2007.

(a) Amendment to the Articles of Redomestication of John Hancock Life Insurance Company (U.S.A.) (formerly, The Manufacturers Life Insurance Company (U.S.A.)) dated July 16, 2004, incorporated by reference to pre-effective amendment number 1, file number 333-126668, filed with the Commission on October 12, 2005.

(b) Amendment to the Articles of Redomestication effective January 1, 2005, incorporated by reference to post-effective amendment number 9, file number 333-85284, filed with the Commission on April 30, 2007.

(c) Amended and Restated Articles of Redomestication and Articles of Incorporation of John Hancock Life Insurance Company (U.S.A.) dated July 26, 2010, and further amended as of November 20, 2012, incorporated by reference to post-effective amendment number 1, file number 333-179570, filed with the Commission on April 24, 2013.

(2) By-laws of John Hancock Life Insurance Company (U.S.A.) (formerly, The Manufacturers Life Insurance Company (U.S.A.)) dated December 2, 1992, incorporated by reference to pre-effective amendment number 1, file number 333-126668, filed with the Commission on October 12, 2005.

(a) Amendment to the By-laws of John Hancock Life Insurance Company (U.S.A.) (formerly, The Manufacturers Life Insurance Company (U.S.A.)) dated June 7, 2000, incorporated by reference to pre-effective amendment number 1, file number 333-126668, filed with the Commission on October 12, 2005.

(b) Amendment to the By-laws of John Hancock Life Insurance Company (U.S.A.) (formerly, The Manufacturers Life Insurance Company (U.S.A.)) dated March 12, 1999, incorporated by reference to pre-effective amendment number 1, file number 333-126668, filed with the Commission on October 12, 2005.

(c) Amendment to the By-laws of John Hancock Life Insurance Company (U.S.A.) (formerly, The Manufacturers Life Insurance Company (U.S.A.)) dated July 16, 2004, incorporated by reference to post-effective amendment number 9, file number 333-85284, filed with the Commission on April 30, 2007.

(d) Amended and Restated By-laws of John Hancock Life Insurance Company (U.S.A.) dated October 23, 2012,incorporated by reference to post-effective amendment number 1, file number 333-179570, filed with the Commission on April 24, 2013.

(g) The Depositor maintains reinsurance arrangements in the normal course of business, none of which are material.

(h) (1) Participation Agreement among the Manufacturers Insurance Company (U.S.A.), the Manufacturers Insurance Company of New York, PIMCO Variable Insurance Trust and PIMCO Advisors Distributors LLC dated April 30, 2004, incorporated by reference to pre-effective amendment number 1, file number 333-126668, filed with the Commission on October 12, 2005.

(2) Participation Agreement among John Hancock Life Insurance Company (U.S.A.), John Hancock Life Insurance Company of New York, and John Hancock Trust dated April 20, 2005, incorporated by reference to pre-effective amendment number 1, file number 333-126668, filed with the Commission on October 12, 2005.

(3) Participation Agreement among John Hancock Life Insurance Company (U.S.A.), John Hancock Life Insurance Company of New York, and M Financial Investment Advisers, Inc. dated November 13, 2009, incorporated by reference to file number 333-164150, filed with the Commission on January 4, 2010.

(4) Shareholder Information Agreement between John Hancock Life Insurance Company (U.S.A.), John Hancock Life Insurance Company of New York, John Hancock Life Insurance Company, John Hancock Variable Life Insurance, and John Hancock Trust portfolios (except American Funds Insurance Series) dated April 16, 2007, incorporated by reference to post-effective amendment number 9, file number 333-85284, filed with the Commission in April, 2007.

(5) Shareholder Information Agreement between John Hancock Life Insurance Company (U.S.A.), John Hancock Life Insurance Company of New York, John Hancock Life Insurance Company, John Hancock Variable Life Insurance, and John Hancock Trust on behalf of series of the Trust that are feeder funds of the American Funds Insurance Series dated April 16, 2007, incorporated by reference to post-effective amendment number 9, file number 333-85284, filed with the Commission in April, 2007.

(i) (1) Service agreement between Manulife Financial Corporation and the Manufacturers Life Insurance Company (U.S.A.), dated January 1, 2001, incorporated by reference to post-effective amendment number 6, file number 333-179570, filed with the Commission April 28, 2014.

(j) Not applicable.

(k) Opinion and consent of counsel for John Hancock Life Insurance Company (U.S.A.), incorporated by reference to pre-effective amendment number 1, file number 333-100567, filed with the Commission on December 16, 2002.

(l) Not Applicable.

(m) Not Applicable.

(n) Consent of Independent Registered Public Accounting Firm, filed herewith.

(n)(1) Opinion of Counsel as to the eligibility of this post-effective amendment to be filed pursuant to Rule 485(b), filed herewith.

(o) Not Applicable.

(p) Not Applicable.

(q) Memorandum Regarding Issuance, Face Amount Increase, Redemption and Transfer Procedures for the Policies. Incorporated by reference to pre-effective amendment no. 1, file number 333-100567, filed February 17, 2002.

(r) Not Applicable.

Powers of Attorney

(i) Powers of Attorney for Emanuel Alves, Paul M. Connolly, Nora Newton Crouch, Thomas Edward Hampton, J. Stephanie Nam, Ken Ross, Rex Schlaybaugh, Jr., Colin Simpson, Brooks Tingle,Simonetta Vendittelli, Shamus Weiland, and Henry H.Wong, filed herewith.

Item 31. Directors and Officers of the Depositor

OFFICERS AND DIRECTORS OF JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.): 

Name and Principal Business Address	Position with Depositor
Brooks Tingle 200 Berkeley Street Boston, MA 02116	Chair, Director, President & Chief Executive Officer
Emanuel Alves 197 Clarendon Street Boston, MA 02116	Director, Senior Vice President, General Counsel
Paul M. Connolly 75 Indian Spring Road Milton, MA 02186	Director
Nora Newton Crouch 804 Pepper Avenue Richmond, VA 23226	Director
Thomas Edward Hampton 5207 2nd Street NW Washington, DC 20011	Director
J. Stephanie Nam 129 State Street Portsmouth, NH 03801	Director
Ken Ross 200 Berkeley St. Boston, MA 02116	Director, Vice President
Rex Schlaybaugh, Jr. 492 East Main Street Harbor Springs, MI 49740	Director
Shamus Weiland 200 Bloor Street E. Toronto, ON M4W 1E5	Director
Henry H. Wong 200 Berkeley Street Boston, MA 02116	Director, Vice President
Executive Vice Presidents
Andrew G. Arnott**	Global Head of Retail, GWAM
Christopher Paul Conkey**	Global Head of Public Markets
Halina K. von dem Hagen***	Treasurer
Scott S. Hartz**	Chief Investment Officer – U.S. Investments
Senior Vice Presidents
John Addeo**	Global Fixed Income Chief Investment Officer
John C.S. Anderson**	Global Head of Corporate Finance
Stephen J. Blewitt**	Head of Private Markets Business
Kevin J. Cloherty**	Global Compliance Chief
Mike Dallas**	Global Head of Employee Experience
Aimee DeCamillo*	Global Head of Retirement
Peter DeFrancesco*	Head of Digital – Direct to Consumer
Kristie Feinberg*	GWAM Chief Financial Officer
Steven E. Medina**	and Global Equity Chief Investment Officer
Joelle Metzman**	GWAM Chief Risk Officer
Lee Ann Murray**	GWAM Chief Information Officer
Sinead O’Connor*	Head of Actuarial Policy
Gerald Peterson**	Global Head of Operations, GWAM

Name and Principal Business Address	Position with Depositor
Susan Roberts*	Head of Strategy, Transformation & Continuous Delivery
Keri Roger**	Head of Operational Risk Management
Ian Roke**	Head of Asset Liability Management
Colin Simpson*	Chief Financial Officer
Anthony Teta*	US Head of Inforce Management
Nathan Thooft**	Global MAST Chief Investment Officer
Vice Presidents
Lynda Abend*
Mark Akerson*
Kate Ardini*
Jay Aronowitz**
Kevin Askew**
William Auger*
Jack Barry*
P.J. Beltramini*
Zahir Bhanji***
Jon Bourgault**
Paul Boyne**
Ian B. Brodie**
Ted Bruntrager*	CCO & Chief Risk Officer
Grant Buchanan***
Ginger Burns**
Priscilla Cale*
Jennifer Toone Campanella**
Brendan Campbell*
Yan Rong Cao*
Rick A. Carlson**
Patricia Rosch Carrington**
Alex Catterick****
Ken K. Cha*
Diana Chan***	Head of Treasury Operations
Christopher M. Chapman**
Sheila Chernicki*
Teresa H. Chuang**
Eileen Cloherty*
Catherine Z. Collins*
Thomas D. Crohan**
Susan Curry**
Kenneth Dai***	Treasury
Kenneth D’Amato*
Michelle M. Dauphinais*
Frederick D. Deminico**
Jeffrey Duckworth**
Marc Feliciano**
Carolyn Flanagan**
Lauren Marx Fleming**
Philip J. Fontana**
Laura Foster***
Scott Francolini*
Matthew Gabriel*
Paul Gallagher**
Melissa Gamble**
Scott B. Garfield**
Marco Giacomelli***
Jeffrey N. Given**
Thomas C. Goggins**
Dara Gough*
Howard C. Greene**

Name and Principal Business Address	Position with Depositor
Len van Greuning*	US Chief Information Officer
Erik Gustafson**
Neal Halder*
Anne Hammer*
Jeffrey Hammer***
Lindsay L. Hanson*
Richard Harris***	Appointed Actuary
John Hatch*	Chief Operations Officer – US Segment
Justin Helferich***
Michael Hession*
Philip Huvos*
Sesh Iyengar**
Christopher Johnson**
Tasneem Kanji**
Rishi Kapur***	Treasury
Geoffrey Grant Kelley**
Recep C. Kendircioglu**
Neal P. Kerins*
Heidi Knapp**
Hung Ko***
Robert Krempus***
Diane R. Landers**
Michael Landolfi**
Christopher Link**
Scott Lively**
Jeffrey H. Long**
Jennifer Lundmark*
Edward P. Macdonald**
Patrick MacDonnell**
Nathaniel I. Margolis**
John B. Maynard**
Shawn McCarthy**
Andrew J. McFetridge**
Jonathan McGee**
Katie L. McKay**
Eric S. Menzer**
Maureen Milet**	CCO – Investments
Stella Mink**
Scott Morin*
Catherine Murphy*	Deputy Appointed Actuary
Richard Myrus**
Jeffrey H. Nataupsky**
Scott Navin**
Jeffrey Packard**
Pragya Pandit*
Gary M. Pelletier**
David Pemstein**
Antonia Perry**
Charlie Philbrook*
Jason M. Pratt**
Ed Rapp**
Todd Renneker**
Chet Ritchie*
Charles A. Rizzo**
Emily Roland**
Josephine M. Rollka*
Caryn Rothman**
Devon Russell*

Name and Principal Business Address	Position with Depositor
Thomas Samoluk**
Paul Sanabria**
Emory W. Sanders*
Jeffrey R. Santerre**
Marcia Schow**
Dolores (Dee Dee) Schreitmueller**
Christopher L. Sechler**
Thomas Shea**
Lisa Shepard*
Alex Silva*	CFO - US Insurance
Susan Simi**
Darren Smith**
Jayanthi Srinivasan***
Katherine Sullivan**
Trevor Swanberg**
Robert E. Sykes, Jr.**
Wilfred Talbot*
Gary Tankersley*	Head of US Retirement Distribution
Michelle Taylor-Jones*
Brian E. Torrisi**
Simonetta Vendittelli*	Controller
Gina Goldych Walters**
Adam Weigold**
Jonathan T. White**
Jay Wightman**
Bryan Wilhelm*
Karin Wilsey**
Adam Wise**
R. Blake Witherington**
Jeffrey Wolfe**
Thomas Zakian**
Michael Zargaj*

*Principal Business Office is 200 Berkeley Street, Boston, MA 02116

**Principal Business Office is 197 Clarendon Street, Boston, MA 02116

***Principal Business Office is 200 Bloor Street, Toronto, Canada M4W1E5

****Principal Business Office is 250 Bloor Street, Toronto, Canada M4W1E5

Item 32. Persons Controlled by or Under Common Control with the Depositor or the Registrant

The Registrant is a separate account of the Depositor operating as a unit investment trust. The Registrant supports benefits payable under the Depositor's variable life insurance policies by investing assets allocated to various investment options in shares of John Hancock Variable Insurance Trust (formerly, John Hancock Trust) and other mutual funds registered under the Investment Company Act of 1940 as open-end management investment companies of the “series” type.

As of the effective date of the registration statement, the Company and its affiliates are controlled by Manulife Financial Corporation.

 

Item 33. Indemnification

The Form of Selling Agreement or Service Agreement between John Hancock Distributors LLC (“JH Distributors”) and various broker-dealers may provide that the selling broker-dealer indemnify and hold harmless JH Distributors and the Company, including their affiliates, officers, directors, employees and agents against losses, claims, liabilities or expenses (including reasonable attorney’s fees), arising out of or based upon a breach of the Selling or Service Agreement, or any applicable law or regulation or any applicable rule of any self-regulatory organization or similar provision consistent with industry practice.

Insofar as indemnification for liability arising under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of the registrant pursuant to the foregoing provisions, or otherwise, the registrant has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses incurred or paid by a director, officer or controlling person of the registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.

Item 34. Principal Underwriters

(a) Set forth below is information concerning other investment companies for which JH Distributors, the principal underwriter of the contracts, acts as investment adviser or principal underwriter. 

Name of Investment Company	Capacity in Which Acting
John Hancock Variable Life Account S	Principal Underwriter
John Hancock Variable Life Account U	Principal Underwriter
John Hancock Variable Life Account V	Principal Underwriter
John Hancock Variable Life Account UV	Principal Underwriter
John Hancock Life Insurance Company (U.S.A.) Separate Account R	Principal Underwriter
John Hancock Life Insurance Company (U.S.A.) Separate Account T	Principal Underwriter
John Hancock Life Insurance Company (U.S.A.) Separate Account W	Principal Underwriter
John Hancock Life Insurance Company (U.S.A.) Separate Account X	Principal Underwriter
John Hancock Life Insurance Company (U.S.A.) Separate Account Q	Principal Underwriter
John Hancock Life Insurance Company (U.S.A.) Separate Account A	Principal Underwriter
John Hancock Life Insurance Company (U.S.A.) Separate Account N	Principal Underwriter
John Hancock Life Insurance Company (U.S.A.) Separate Account H	Principal Underwriter
John Hancock Life Insurance Company (U.S.A.) Separate Account I	Principal Underwriter
John Hancock Life Insurance Company (U.S.A.) Separate Account J	Principal Underwriter
John Hancock Life Insurance Company (U.S.A.) Separate Account K	Principal Underwriter
John Hancock Life Insurance Company (U.S.A.) Separate Account L	Principal Underwriter
John Hancock Life Insurance Company (U.S.A.) Separate Account M	Principal Underwriter
John Hancock Life Insurance Company of New York Separate Account B	Principal Underwriter
John Hancock Life Insurance Company of New York Separate Account A	Principal Underwriter

(b) John Hancock Life Insurance Company (U.S.A.) is the sole member of JH Distributors and the following comprise the Board of Managers and Officers of JH Distributors. 

Name	Title
Rick Carlson**	Vice President, US Taxation
Jeffrey H. Long**	Vice President, Chief Financial Officer and Financial Operations Principal
Gary Tankersley*	Director, President and Chief Executive Officer
Alex Silva*	Director
Christopher Walker***	Director, Vice President, Investments
Tracy Lannigan**	Corporate Secretary

*Principal Business Office is 200 Berkeley Street, Boston, MA 02116

**Principal Business Office is 197 Clarendon Street, Boston, MA 02116

***Principal Business Office is 200 Bloor Street, Toronto, Canada M4W1E5

(c) John Hancock Distributors LLC

Compensation received, directly or indirectly, from the Registrant by John Hancock Distributors LLC, the sole principal underwriter of the contracts funded by the Separate Account during the last fiscal year: 

(1)	(2)	(3)	(4)	(5)
Name of Principal Underwriter	Net Underwriting Discounts and Commissions	Compensation on Events Occasioning the Deduction of a Deferred Sales Load	Brokerage Commissions	Other Compensation
John Hancock Distributors LLC	$0	$0	$0	$0

Item 35. Location of Accounts and Records

The information required by this item is included in the most recent Form N-CEN filed with the SEC by the Separate Account.

Item 36. Management Services

All management services contracts are discussed in Part A or Part B.

Item 37. Fee Representation

Representation of Insurer Pursuant to Section 26 of the Investment Company Act of 1940.

John Hancock Life Insurance Company (U.S.A.) hereby represents that the fees and charges deducted under the policies issued pursuant to this registration statement, in the aggregate, are reasonable in relation to the services rendered, the expenses expected to be incurred, and the risks assumed by the Company.

Signatures

Pursuant to the requirements of the Securities Act of 1933 and the Investment Company Act of 1940, the Registrant certifies that it meets all of the requirements for effectiveness of this registration statement under rule 485(b) under the Securities Act and has duly caused this registration statement to be signed on its behalf by the undersigned, duly authorized, in the City of Boston, Commonwealth of Massachusetts, on this 21st day of April, 2023.

John Hancock Life Insurance Company (U.S.A.) Separate Account N

(Registrant)

By: JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.)

By:*____________________

Brooks Tingle

Principal Executive Officer

JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.)

(Depositor)

By:*____________________

Brooks Tingle

Principal Executive Officer 

/s/Michael A. Ramirez

Michael A. Ramirez, as Attorney-In-Fact

*Pursuant to Power of Attorney

Signatures

Pursuant to the requirements of the Securities Act of 1933, this registration statement has been signed by the following persons in the capacities indicated as of the 21st day of April, 2023. 

Signatures	Title
* Simonetta Vendittelli	Vice President and Controller
* Colin Simpson	Chief Financial Officer
* Brooks Tingle	Chair, Director, President and Chief Executive Officer
* Emanuel Alves	Director
* Paul M. Connolly	Director
* Nora N. Crouch	Director
* Thomas Edward Hampton	Director
* J. Stephanie Nam	Director
* Ken Ross	Director
* Rex Schlaybaugh, Jr.	Director
* Shamus Weiland	Director
* Henry H. Wong	Director
/s/Michael A. Ramirez Michael A. Ramirez, as Attorney-In-Fact

*Pursuant to Power of Attorney

EX-99.30(2)(B)

Title	BD Tax ID#		CRD#		Approval Date		Current Status	Business Lines
1st Discount Brokerage, Inc.		65-0592899		39164		5/7/2002	Approved	[“529”,“Group Pension”,“JHVLICO”,“Life”,“Annuity”]
A.E. Financial Services, LLC		83-1566185		298608		12/30/2020	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”,“529”]
Abacus Investments, Inc.		39-1768558		35127		12/20/1994	Approved	[“Annuity; Life; Group Pension; JHVLICO”]
Access Financial Group, Inc.		13-3696056		33065		4/10/2002	Approved	[“Annuity; Group Pension; JHVLICO”]
Access Investments, Inc.		73-1505851		42202		10/5/2004	Approved	[“Annuity; Life; Group Pension”]
ACE Diversified Capital, Inc.		95-4591545		41768		7/30/2008	Approved	[“Annuity; Life; Group Pension”]
Advanced Advisor Group, LLC		35-2261591		140393		8/31/2007	Approved	[“529”,“Annuity; Life; Group Pension”]
Adviser Dealer Services, Inc.		31-1391437		36773		9/7/2007	Approved	[“Annuity; Life; Group Pension”]
Advisory Group Equity Services Ltd.		04-2830039		15427		2/28/1996	Approved	[“529”,“Group Pension”,“JHVLICO”,“Life”,“Annuity”]
Aegis Capital Corp.		11-2671906		15007		7/25/2005	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Aegis Investments, Inc.		41-1540307		16033		1/1/2002	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
Alamo Capital		68-0134926		26193		1/1/2002	Approved	[“Annuity; 529; Life; Group Pension”]
Alexander Capital, LLC		13-3866977		40077		4/21/2016	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
Alexander Investment Services Co.		61-0652524		1037		2/9/2007	Approved	[“Annuity; 529”]
Allegheny Investments, Ltd.		25-1326593		7597		4/18/1990	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Allen C. Ewing & Co. (NEW)		59-3000850		26102		2/2/2017	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
Allen, Mooney & Barnes Brokerage Services, LLC		74-3070309		142619		7/9/2007	Approved	[“Group Pension”]
Alliance Global Partners		59-2015540		8361		12/10/2018	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
Allied Millennial Partners, LLC		35-1632778		16569		1/1/2002	Approved	[“529”,“Life”,“Group Pension”,“Annuity (servicing only)”]
Allstate Financial Services, LLC		47-0826838		18272		1/12/1994	Approved	[“Annuity; 529; Life; Group Pension”]
Alvarez & Marsal Securities, LLC		51-0430281		127858		4/25/2014	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
American Capital Partners, LLC		01-0564479		119249		3/3/2010	Approved	[“Annuity”]
American Equity Investment Corporation		35-1970410		40199		10/9/2002	Approved	[“Annuity; 529; Life; Group Pension”]
American Financial Associates, Inc.		23-2654301		29049		5/10/1993	Approved	[“Annuity; Life; Group Pension; JHVLICO”]
American Funds & Trusts Incorporated		87-0238597		1066		3/9/2010	Approved	[“Group Pension”]
American Global Wealth Management		39-1259164		7388		10/30/2017	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
American Heritage Securities, Inc.		34-1695617		29678		7/15/2009	Approved	[“Annuity”]
American Independent Securities Group, LLC		20-2190456		135288		12/20/2005	Approved	[“Annuity; 529; Life; Group Pension”]
American Investors Company		94-2201424		38		1/1/2002	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
American Municipal Securities, Inc.		59-2023127		8365		1/1/2002	Approved	[“Annuity; 529; Life; Group Pension”]
American Portfolios Financial Services, Inc.		11-3018002		18487		1/18/2002	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
American Trust Investment Services, Inc.		35-1168112		3001		8/13/2014	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
American Wealth Management, Inc.		58-1867326		25536		1/1/2002	Approved	[“Annuity; 529; Life; Group Pension”]
Ameriprise Financial Services, Inc.		41-0973005		6363		10/17/2005	Approved	[“529”,“Group Pension”,“JHVLICO”,“Life”,“Annuity (servicing only)”]
Ameritas Investment Corp		47-0663374		14869		3/3/2000	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Anchor Bay Securities, LLC		90-0391569		47360		6/30/2010	Approved	[“Group Pension”,“Life”,“Annuity”]
Andrew Garrett Inc.		43-1613019		29931		8/18/1993	Approved	[“Annuity; 529; Life; Group Pension”]
Aon Securities Inc.		13-2642812		4138		8/22/2001	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”,“TOHI”]
AOS, Inc. (dba TradingBlock and MoneyBlock)		36-4535546		128605		7/30/2004	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
APW Capital, Inc.		22-3526587		43814		8/24/2001	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Arete Wealth Management, LLC		39-1918659		44856		12/4/2008	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Arkadios Capital LLC		81-1052458		282710		12/14/2017	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Arlington Securities, Incorporated		38-2711392		19596		8/31/2000	Approved	[“Annuity; 529; Life; Group Pension”]
Arque Capital, Ltd.		20-4040914		121192		5/13/2009	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Arvest Asset Management		71-0794602		42057		2/27/2003	Approved	[“Annuity; Life; Group Pension; JHVLICO”]
Associated Investment Services, Inc.		39-0210110		1464		6/24/2004	Approved	[“Annuity; 529; Life; Group Pension”]
Aurora Securities, Inc.		92-0162178		46147		9/11/2018	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Ausdal Financial Partners, Inc.		42-1129623		7995		1/1/2002	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Avantax Investment Services, Inc.		75-1869963		13686		5/8/2001	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Aventura Securities, LLC		20-5452876		142374		5/2/2008	Approved	[“Annuity; 529; Life; Group Pension”]
Avisen Securities, Inc.		06-1676986		125977		7/13/2006	Approved	[“Annuity; 529; Group Pension”]
Avondale Partners, LLC		62-1761948		46838		7/6/2009	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
AXA Advisors, LLC		06-1555494		6627		10/8/1993	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO; BOLI”]
Axio Financial		52-2338891		118219		11/12/2020	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]

B. C. Ziegler And Company	39-0727640	61	11/5/1998	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
B. Riley Wealth Management, Inc.	62-1518255	2543	1/4/1999	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
B.B. Graham & Company, Inc.	95-4587418	41533	4/14/2004	Approved	[“Annuity; 529; Life; Group Pension”]
Ballew Investments, Inc.	64-0823167	32028	5/1/1995	Approved	[“Group Pension”,“Life”]
BancWest Investment Services, Inc.	13-3618472	29357	9/5/2000	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Bankers Life Securities, Inc.	47-1481527	173962	12/19/2016	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
Bankoh Investment Services, Inc.	99-0291948	29280	6/20/2000	Approved	[“529”,“Annuity; Life; Group Pension”]
Barnabas Capital, LLC	83-1038672	297890	12/23/2021	Approved	[“Life”,“Group Pension”,“Annuity (servicing only)”]
BBVA Securities, Inc.	75-2329230	27060	4/30/2004	Approved	[“Annuity; 529; Life; Group Pension”]
BCG Securities, Inc.	23-1664237	70	7/2/2003	Approved	[“Annuity; 529; Life; Group Pension”]
Beaconsfield Financial Services, Inc.	25-1447238	14634	3/28/2003	Approved	[“529”,“Annuity”]
Bellamah, Neuhauser and Barrett. Inc.	53-0260880	83	10/29/2010	Approved	[“Group Pension”,“Life”,“Annuity”]
Benchmark Investments, Inc.	71-0825385	103792	6/16/2010	Approved	[“Group Pension”,“Life”,“Annuity”]
Benefit Funding Services, LLC	86-0891039	44079	10/7/2004	Approved	[“Annuity; Life; Group Pension”]
Benjamin F. Edwards & Company, Inc.	26-3199152	146936	8/24/2009	Approved	[“Annuity; 529; Life; Group Pension”]
Berthel Fisher & Company Financial Services, Inc.	42-1029773	13609	4/29/1993	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
BestVest Investments, Ltd.	32-3220312	40302	1/1/2002	Approved	[“Annuity; Life; Group Pension”]
BFT Financial Group, LLC	75-2856929	109121	8/20/2002	Approved	[“Annuity; 529; Life; Group Pension”]
BG Worldwide Securities, Inc.	30-0039439	121735	9/3/2003	Approved	[“Life; JHVLICO”]
BHK Securities, LLC	20-2455216	139665	12/19/2006	Approved	[“Annuity; Group Pension”]
Black Oak Securities, Inc.	37-1299579	30889	4/10/2006	Approved	[“Group Pension”]
Blakeslee And Blakeslee Inc.	77-0017182	8149	1/15/2004	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Boenning & Scattergood, Inc.	23-1720062	100	8/6/2008	Approved	[“Group Pension; JHVLICO”]
BOK Financial Services, Inc.	73-1275307	17530	4/3/1998	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Bolton Global Capital, Inc.	04-2848146	15650	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension”]
Brandon Investments, Inc.	62-1142517	16931	8/26/1993	Approved	[“Annuity; Life; Group Pension”]
Brighton Securities Corp.	16-0961085	3875	1/1/2002	Approved	[“Group Pension”,“Life”,“Annuity; 529”]
Bristol Financial Services, Inc.	20-3156765	137988	8/21/2007	Approved	[“Annuity; Life; Group Pension”]
BrokerageSelect	06-1549225	47974	5/24/2013	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
Brokers International Financial Services, LLC	20-3749442	139627	9/25/2006	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Brooklight Place Securities, Inc.	36-3317130	15764	8/8/2001	Approved	[“Annuity; 529; Life; Group Pension”]
Brown Associates, Inc.	62-0808843	5049	2/15/1989	Approved	[“Annuity; Life; Group Pension”]
Brown, Lisle/Cummings, Inc.	05-0310503	1331	12/17/2010	Approved	[“Group Pension”]
Buckman, Buckman & Reid, Inc.	22-2926943	23407	1/1/2002	Approved	[“Annuity; Life; Group Pension”]
Buttonwood Partners, Inc.	39-1674219	27108	1/1/2002	Approved	[“Annuity; Life; Group Pension”]
Cabin Securities, Inc.	37-4578756	137608	5/24/2022	Approved	[“Annuity (servicing only)”]
Cabot Lodge Securities, LLC	45-3717999	159712	5/24/2013	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Cadaret, Grant & Co., Inc.	22-2361254	10641	9/9/1992	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Callaway Financial Services, Inc.	75-2855666	104003	1/1/2002	Approved	[“Annuity; Life; Group Pension; JHVLICO”]
Calton & Associates, Inc.	59-2845944	20999	4/24/1997	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Cambria Capital, LLC	02-0727653	133760	6/23/2011	Approved	[“Group Pension”,“Life”,“Annuity”]
Cambridge Investment Research, Inc.	42-1445429	39543	5/3/1996	Approved	[“BOLI”,“Annuity; 529; Life; Group Pension; JHVLICO”]
Camden Financial Services	33-0653990	19925	3/21/2002	Approved	[“Annuity; JHVLICO”]
Cantella & Co., Inc.	04-3211861	13905	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Capacuity Securities, Inc.	23-2305124	15384	5/12/1987	Approved	[“Annuity; Life; Group Pension”]
Cape Securities, Inc.	56-1128974	7072	8/11/2008	Approved	[“Annuity; 529; Life; Group Pension”]
CapFinancial Securities, LLC	46-4350797	126291	4/16/2004	Approved	[“BOLI”,“Annuity; 529; Life; Group Pension”]
Capital Brokerage Corporation	91-1143830	10465	1/1/2002	Approved	[“Annuity; Life; Group Pension; JHVLICO”]
Capital City Securities, LLC	20-2350070	146001	10/3/2008	Approved	[“Annuity; 529; Life; Group Pension”]
Capital Investment Brokerage, Inc.	56-1958819	40657	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension”]
Capital Investment Group, Inc.	56-1394939	14752	6/27/1996	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Capital Management Securities, Inc.	41-1249586	10579	2/4/1988	Approved	[“Annuity; Life; Group Pension”]
Capital Portfolio Management, Inc.	52-1744548	29302	4/10/2008	Approved	[“Group Pension”,“529”,“Life”,“Annuity (servicing only)”]
Capital Synergy Partners	33-0837865	148733	1/28/2011	Approved	[“529”,“Group Pension”,“Life”,“Annuity”]
Capitol Securities Management, Inc.	54-1170635	14169	7/1/1993	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]

Cardinal Investments, Inc.	37-1326529	36838	1/1/2002	Approved	[“529”,“Group Pension”,“Life”,“Annuity”]
Carolinas Investment Consulting LLC	56-2204761	104379	1/1/2002	Approved	[“Annuity; Life; Group Pension”]
Carter, Terry & Company, Inc.	58-1608676	16365	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension”]
Carty & Company, Inc.	62-0842403	7001	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension”]
Cary Street Partners LLC	32-0007529	128089	8/23/2007	Approved	[“529”,“Annuity; Life; Group Pension”]
Cascade Investment Group, Inc.	84-1245938	35844	1/17/1995	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
CBIZ Financial Solutions, Inc.	52-1396995	16678	3/13/1996	Approved	[“529”,“Group Pension”,“JHVLICO”,“Life”,“Annuity”]
CCO Investment Services Corp.	05-0487400	39550	12/22/2005	Approved	[“529”,“Annuity; Life; Group Pension”]
Celadon Financial Group LLC	59-2657843	36538	1/1/2002	Approved	[“Annuity; Life; Group Pension”]
Centaurus Financial, Inc.	33-0530236	30833	9/15/1993	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Centennial Securities Company, Inc.	38-2214928	7763	5/1/2002	Approved	[“Group Pension”,“Annuity”,“Annuity; 529; JHVLICO”]
Center Street Securities, Inc.	72-1159563	26898	9/3/2009	Approved	[“529”,“Group Pension”,“Life”,“Annuity”]
Ceros Financial Services, Inc.	04-3249931	37869	1/11/2010	Approved	[“Annuity; 529; Life; Group Pension”]
Cetera Advisor Networks, LLC	95-3845382	13572	10/31/1988	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Cetera Advisors, LLC	84-0858799	10299	7/6/1994	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Cetera Financial Specialists LLC	36-3120284	10358	8/24/2001	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO; BOLI”]
Cetera Investment Services LLC	41-1483314	15340	6/6/2000	Approved	[“529”,“Group Pension”,“JHVLICO”,“Life”,“Annuity”]
CFD Investments, Inc.	35-1692812	25427	1/7/1994	Approved	[“529”,“Group Pension”,“JHVLICO”,“Life”,“BOLI”]
Chapin, Davis	52-1715615	28116	4/13/2007	Approved	[“Annuity; 529”]
Chauner Securities, Inc.	36-3356325	10075	5/18/1992	Approved	[“Annuity; Life; Group Pension; JHVLICO”]
Chelsea Financial Services	11-3489062	47770	6/11/2009	Approved	[“Annuity; Life; Group Pension”]
CIG Securities	20-0194097	129864	1/17/2005	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Citigroup Global Markets Inc.	11-2418191	7059	3/20/1992	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”,“Annuity; 529; Life; Group Pension; JHVLICO”]
Classic, LLC	45-3356898	159357	1/17/2013	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Client One Securities, LLC	27-1408998	152974	1/26/2011	Approved	[“529”,“Group Pension”,“Life”,“Annuity”]
CliftonLarsonAllen Wealth Advisors, LLC	41-1803291	38357	5/1/2008	Approved	[“Annuity; Life; Group Pension”]
Coastal Equities, Inc.	56-2456935	23769	1/1/2002	Approved	[“529”,“Group Pension”,“Life”,“Annuity”]
Coker & Palmer, Inc.	64-0802631	29163	1/8/2003	Approved	[“Annuity; Life; Group Pension”]
Coldstream Securities, Inc.	93-1198599	46835	1/2/2016	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Colliers Securities, LLC	41-1883794	7477	1/1/2002	Approved	[“529”,“Group Pension”,“Life”,“Annuity”]
Colorado Financial Service Corporation	26-1855173	104343	3/31/2010	Approved	[“529”,“Group Pension”,“Life”,“Annuity”]
Comerica Securities, Inc.	38-2621207	17079	5/8/2002	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Commerce Brokerage Services, Inc.	43-1381067	17140	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension”]
Commonwealth Financial Group, Inc.	22-3217132	32505	1/28/2004	Approved	[“Annuity; 529; Life; Group Pension”]
Commonwealth Financial Network	04-2675571	8032	9/10/1992	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO; BOLI”]
CommunityAmerica Financial Solutions, LLC	26-0046643	168203	6/20/2014	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Compak Securities, Inc.	13-4225974	125472	9/26/2006	Approved	[“Annuity; Life; Group Pension; JHVLICO”]
Compass Securities Corporation	04-2844064	16168	3/30/1992	Approved	[“Annuity; Life; Group Pension”]
Concorde Investment Services, LLC	27-0498480	151604	12/13/2010	Approved	[“529”,“Group Pension”,“Life”,“Annuity”]
Concourse Financial Group Securities, Inc.	63-0879387	15708	1/1/1994	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO; BOLI”]
Conover Securities Corporation	91-1260477	17129	1/1/2002	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Consolidated Financial Investments, Inc.	43-1490793	18810	12/19/2006	Approved	[“Annuity; Group Pension”]
Continental Investors Services, Inc.	91-1543805	29775	8/18/2008	Approved	[“529”,“Group Pension”,“Annuity (servicing only)”]
Cooper Malone McClain, Inc.	48-1024628	18637	3/15/2002	Approved	[“Annuity; Life; Group Pension”]
Coordinated Capital Securities, Inc.	39-1468428	14762	5/27/1993	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
CoreCap Investments, Inc.	23-2809463	37068	11/9/2012	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Cornerstone Financial Services, Inc.	35-1720807	20627	11/20/2012	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
Correll Co. Investment Services Corp.	36-3400965	38995	3/12/1997	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Country Club Financial Services, Inc.	43-1604510	29807	3/6/2002	Approved	[“Annuity; Life; Group Pension; BOLI”]
Courtlandt Securities Corporation	20-2966004	137356	12/18/2006	Approved	[“Annuity; Life; Group Pension”]
CPS Financial & Insurance Services, Inc.	33-0701950	41243	2/29/2000	Approved	[“Annuity; Life; Group Pension; JHVLICO”]
Cresap Inc.	23-2589413	25899	12/17/2009	Approved	[“Annuity”,“JHVLICO”,“529”]
Crescent Securities Group, Inc.	75-2947048	114993	5/4/2010	Approved	[“529”,“Group Pension”,“Life”,“Annuity”]
Crews & Associates, Inc.	71-0522369	8052	2/9/2004	Approved	[“Annuity; 529; Life; Group Pension”]
Crown Capital Securities, L.P.	33-0837984	6312	7/16/1999	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]

Cullen Investment Group, Ltd.	72-1088646	18266	1/1/2002	Approved	[“Annuity”]
CUNA Brokerage Services, Inc.		13941	1/1/2002	Approved	[“BOLI”,“Annuity; 529; Life; Group Pension; JHVLICO”]
CUSO Financial Services, L.P.	33-0731851	42132	6/12/2001	Approved	[“529”,“Group Pension”,“JHVLICO”,“Life”,“Annuity”]
Cutter & Company, Inc.	43-1477566	22449	1/22/2001	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
CW Securities, LLC	30-0149369	124496	7/1/2004	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
D.A. Davidson & Co.	81-0139474	199	10/20/2000	Approved	[“Annuity; 529; Life; Group Pension”]
D.H. Hill Securities LLP	76-0505272	41528	11/4/2002	Approved	[“Annuity; 529; Life; Group Pension”]
DAI Securities, LLC	72-1269491	36673	1/1/2002	Approved	[“529”,“Annuity; Life; Group Pension; JHVLICO”]
Davenport & Company LLC	54-1835842	1588	4/18/1990	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Davinci Capital Management Inc.	01-0522492	46897	2/3/2005	Approved	[“529”,“Annuity; Life; Group Pension”]
Davis Securities LLC	20-3138121	138829	5/27/2014	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
Dawson James Securities, Inc.	20-0161722	130645	9/21/2007	Approved	[“Annuity; 529; Life; Group Pension”]
Dempsey Financial Network, Inc.	58-2148282	38330	1/6/1998	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
Dempsey Lord Smith, LLC	20-4853289	141238	5/8/2007	Approved	[“Annuity; 529; Life; Group Pension”]
Deutsche Bank Securities Inc.	13-2730828	2525	3/7/2002	Approved	[“Annuity; 529; Life; Group Pension”]
DFP Equities, Inc.	35-1403362	7518	1/1/2002	Approved	[“Annuity; Life; Group Pension”]
DFPG Investments, Inc.	27-3648334	155576	7/12/2011	Approved	[“529”,“Group Pension”,“Life”,“Annuity”]
Dinosaur Securities, L.L.C.	1341 23021	104446	7/23/2010	Approved	[“529”,“Group Pension”,“Life”]
Diversified Resources, LLC	05-0515637	31346	8/27/2003	Approved	[“Annuity; Life; Group Pension”]
Diversified Securities, Incorporated	95-2409158	222	9/25/2000	Approved	[“Annuity; Life; Group Pension”]
DMK Advisor Group, Inc.	84-1345780	41067	10/31/2011	Approved	[“529”,“Group Pension”,“Life”,“Annuity”]
Dominion Investor Services, Inc.	75-2201702	21548	12/1/1995	Approved	[“Annuity; 529; Life; Group Pension”]
Dorn & Co., Inc.	41-0836886	2950	10/21/2011	Approved	[“Group Pension”]; 529
Duncan-Williams, Inc.	62-0804968	6950	8/4/2009	Approved	[“Annuity; 529; Life; Group Pension”]
E1 Asset Management, Inc.	52-2107704	46872	3/8/2020	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
Eagles Coast Capital, LLC	82-5449412	297477	12/8/2020	Approved	[“529”,“Life”,“Annuity (servicing only)”]
Edward Jones	43-0345811	250	11/9/1999	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
EF Legacy Securities, LLC	47-3919321	269923	5/17/2016	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
Elish & Elish Inc.	25-1604700	24409	10/7/2005	Approved	[“Annuity; 529”]
Emerson Equity LLC	74-3109983	130032	5/25/2005	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Empire Asset Management Company	20-5835358	143007	9/13/2016	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
Equity Services, Inc.	03-0221141	265	9/19/1988	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Essex Securities LLC	04-3482688	46605	9/26/2003	Approved	[“Annuity; 529; Life; Group Pension”]
Executive Services Securities, LLC	58-2466081	25299	10/31/2008	Approved	[“Annuity; Life; Group Pension; JHVLICO”]
Fairport Capital, Inc.	06-1103413	15034	5/19/1993	Approved	[“Annuity; 529; Life; Group Pension”]
Family Investors Company	22-1715407	1785	1/1/2002	Approved	[“Annuity; Life; Group Pension”]
Farmers Financial Solutions, LLC	77-0530616	103863	1/1/2002	Approved	[“529”,“Annuity; Life; Group Pension”]
FAS Corp.	74-2837348	43536	10/13/1999	Approved	[“Annuity; Life; Group Pension; BOLI”]
Feltl & Company	41-1245161	6905	12/30/2004	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
FieldPoint Private Securities, LLC	06-1186517	18975	4/1/1994	Approved	[“Annuity; 529; Life; Group Pension”]
Fifth Third Securities, Inc.	31-0961761	628	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Finance 500, Inc.	95-3771060	12981	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Financial Security Management, Incorporated	54-1832360	43000	6/4/2001	Approved	[“Annuity; 529; Life; Group Pension”]
Financial Sense Securities, Inc.	33-0674797	39301	12/15/2020	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
Financial Telesis Inc	68-0279977	31012	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension; BOLI”]
FinTrust Brokerage Services, LLC	56-1989135	41608	1/1/2002	Approved	[“Annuity; Life; Group Pension”]
First Asset Financial Inc.	86-1141733	139107	7/2/2008	Approved	[“529; Group Pension”]
First Bankers’ Banc Securities, Inc	43-1326319	15041	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension”]
First Citizens Investor Services, Inc.	56-1854695	44430	10/5/1998	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
First Dallas Securities Incorporated	75-2278917	24549	4/25/2003	Approved	[“Annuity; Life; Group Pension; JHVLICO”]
First Financial Securities Of America, Inc.	74-2132317	13642	1/1/2002	Approved	[“Annuity; Life; Group Pension; JHVLICO”]
First Heartland Capital, Inc.	43-1635588	32460	10/11/1993	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
First Horizon Advisors, Inc.	62-1254528	17117	1/1/2002	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
First Kentucky Securities Corporation	61-0924505	7524	2/22/2006	Approved	[“Annuity; Life”]
First Liberties Financial	11-2656907	14432	7/30/2010	Approved	[“529”,“Group Pension”,“Life”,“Annuity”]
First National Capital Markets	47-0844069	115920	6/16/2010	Approved	[“529”,“Group Pension”,“Life”,“Annuity”]

First Palladium, LLC	82-2239026	289822	7/11/2018	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
First Republic Securities Com. LLC dba Grand Eagle Ins. Serv. LLC	91-2076555	105108	4/28/2015	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
First Western Securities, Inc.	75-2176921	19537	2/10/2003	Approved	[“Annuity; 529; Life”]
FMN Capital Corporation	33-0649400	38105	12/8/1997	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
FMSbonds, Inc.	59-1842344	7793	4/15/1997	Approved	[“Annuity; Life; Group Pension; JHVLICO”]
FNBB Capital Markets, LLC	20-0532898	132091	2/8/2007	Approved	[“Annuity; Life; Group Pension”]
Folger Nolan Fleming Douglas Incorporated	53-0068130	319	12/13/2006	Approved	[“529”,“Annuity; Life; Group Pension”]
Fortune Financial Services, Inc.	25-1799740	42150	1/1/2002	Approved	[“529”,“Annuity; Life; Group Pension; JHVLICO”]
Fortune Securities, Inc.	95-4553711	40821	8/6/2008	Approved	[“Annuity; Life; Group Pension”]
Founders Financial Securities, LLC	20-2052994	137945	7/20/2006	Approved	[“Annuity; 529; Life; Group Pension”]
Four Points Capital Partners, LLC	76-0543859	43149	11/27/2017	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Frost Brokerage Services, Inc.	74-2404030	17465	11/1/2004	Approved	[“Annuity; Life; Group Pension; JHVLICO”]
FSB Premier Wealth Management, Inc.	93-1084013	15898	6/24/1993	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
FSC Securities Corporation	58-1288674	7461	11/17/1998	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO; BOLI”]
G. A. Repple & Company	59-2599605	17486	5/13/1993	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
G.L.S. & Associates, Inc.	63-1009019	47502	1/1/2002	Approved	[“Annuity; Life; Group Pension”]
G.W. Sherwold Associates, Inc.	33-0619325	42186	8/12/2014	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
Garden State Securities, Inc.	22-2319866	10083	12/21/2001	Approved	[“Annuity; 529; Life; Group Pension”]
Gardner Financial Services, Inc.	41-1589846	21000	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension”]
GDC Securities, LLC	06-1390542	38931	1/1/2002	Approved	[“Annuity; Life; Group Pension; JHVLICO”]
Geneos Wealth Management, Inc.	02-0580939	120894	7/26/2002	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
General Securities Corp	43-1513490	15062	1/1/2002	Approved	[“529”,“Annuity; Life; Group Pension”]
Gerwin Group, Inc.	95-4188440	23199	10/6/2003	Approved	[“Annuity”]
Glen Eagle Wealth, LLC	02-0629945	124504	11/28/2005	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Global Brokerage Services, Inc.	52-1899822	37505	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Globalink Securities, Inc.	33-0493552	29721	4/4/2007	Approved	[“Annuity; 529; Life; Group Pension”]
GLP Investment Services, LLC	38-3544062	25450	10/21/2003	Approved	[“Annuity; Group Pension”]
Gold Coast Securities, Inc.	77-0563040	110925	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension”]
Gradient Securities, LLC	26-4463739	127701	6/1/2005	Approved	[“529”,“Group Pension”,“Life”,“Annuity”]
Grant Williams L.P.	23-2990197	45961	2/26/2008	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
GRB Financial, LLC	90-0115377	130490	8/11/2008	Approved	[“Annuity; Life; Group Pension”]
Great American Investors, Inc.	48-1099886	28489	3/16/1998	Approved	[“Annuity; 529; Life; Group Pension”]
Great Point Capital, LLC	36-4398213	114203	9/9/2019	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”,“529”]
Greenberg Financial Group	86-0903680	38747	1/1/2002	Approved	[“Annuity; Life; Group Pension”]
Greenbrier Diversified, Inc.	95-4049440	18203	6/13/2002	Approved	[“Annuity; 529”]
Gregory J. Schwartz & Co., Inc.	38-2117812	7294	4/21/2009	Approved	[“529”,“Group Pension”,“Life”,“Annuity”]
Grove Point Financial, LLC	52-1321340	1763	3/23/1989	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
GWN Securities Inc.	65-0939556	128929	3/29/2004	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
H. C. Denison Co.	39-0794607	1628	1/1/2002	Approved	[“529”,“Group Pension”,“JHVLICO”,“Life”,“Annuity”]
Halliday Financial, LLC	46-2850591	31741	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Hancock Investment Services, Inc.	64-0867168	40637	9/26/2003	Approved	[“Annuity; Life; Group Pension”]
Hanson McClain Retirement Network, LP dba AW Securities	68-0415440	103747	9/7/2007	Approved	[“529”,“Annuity; Life; Group Pension”]
Hantz Financial Services, Inc.	38-3439679	46047	1/1/2002	Approved	[“Group Pension”,“Life”,“Annuity”]
Harbor Investment Advisory, LLC	90-0497525	151085	1/25/2011	Approved	[“529”,“Group Pension”,“Life”,“Annuity”]
Harbour Investments, Inc.	39-1571149	19258	2/5/1992	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Harger and Company, Inc.	72-0903128	10385	1/20/2009	Approved	[“Annuity; Life; Group Pension”]
Harold Dance Investments	87-0265332	1582	1/1/2002	Approved	[“Annuity; Life; Group Pension”]
Harvest Financial Corporation	25-1395109	8733	3/13/1996	Approved	[“Annuity; Life; Group Pension; JHVLICO”]
Hazard & Siegel, Inc.	16-0954584	2048	5/7/2004	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Hazlett, Burt & Watson, Inc.	55-0538822	396	8/1/2002	Approved	[“Annuity”,“Life”,“Group Pension”,“529”,“Annuity; Life; Group Pension”]
Heim, Young & Associates, Incorporated	43-1717820	38993	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension”]
Henley & Company LLC	02-0723515	131453	5/9/2006	Approved	[“Annuity; 529; Life; Group Pension”]
Hennion & Walsh, Inc.	22-3005841	25766	4/1/2015	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
Herbert J. Sims & Co. Inc.	13-5213180	3420	2/3/2004	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”,“Annuity”]
Heritage Financial Systems, Inc.	23-2991359	133019	8/22/2005	Approved	[“Annuity; Life; Group Pension; JHVLICO”]

Herndon Plant Oakley, Ltd.	74-2863988	44971	3/13/2002	Approved	[“Annuity; 529; Group Pension; JHVLICO”]
HighTower Securities, LLC	36-4454225	116681	10/29/2008	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Hilltop Securities, Inc.	75-1382137	6220	2/22/1999	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Horan Securities, Inc.	31-1448612	40794	8/15/1998	Approved	[“Annuity; Life; Group Pension; JHVLICO”]
Hornor, Townsend & Kent, Inc.	23-1706189	4031	8/1/1993	Approved	[“529”,“Group Pension”,“JHVLICO”,“Life”,“Annuity”]
HSBC Securities (USA) Inc.	13-2650272	19585	4/27/2004	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Hub International Investment Services, Inc.	26-3188716	150252	8/10/2011	Approved	[“Group Pension”,“Life”]
Hudson Heritage Capital Management, Inc.	13-3970289	44357	1/1/2002	Approved	[“529”,“Annuity; Life; Group Pension”]
Hunter Associates, Inc.	47-5665331	30177	2/23/1996	Approved	[“Annuity; Life; Group Pension”]
Huntleigh Securities Corporation	43-1106957	7456	5/1/1998	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
IBN Financial Services, Inc.	16-1493299	42360	2/27/2007	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
IFP Securities, LLC	83-0951655	297287	6/13/2019	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Independence Capital Co. Inc.	34-1620295	24723	12/7/2006	Approved	[“529”,“Group Pension”,“JHVLICO”,“Life”,“BOLI”,“Annuity”]
Independent Financial Group, LLC	71-0927304	7717	9/12/2003	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Infinex Investments, Inc.	06-1367288	35371	9/28/2004	Approved	[“Annuity; 529; Life; Group Pension”]
Infinity Securities, Inc. dba Infinity Financial Services	68-0642587	144302	6/17/2008	Approved	[“529”,“Group Pension”,“Life”,“Annuity”]
Inlet Securities, LLC	27-0125668	140278	10/21/2008	Approved	[“Annuity; Life; Group Pension”]
Innovation Partners, LLC	30-0451254	146344	10/24/2011	Approved	[“Group Pension”,“Life”,“BOLI”,“529”]
Insight Securities, Inc.	36-2708269	5611	1/1/2002	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Insigneo Securities, LLC	65-0886354	29249	5/12/2021	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
Institutional Securities Corporation	75-2181339	20291	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension”]
Integral Financial LLC	02-0565622	120343	10/14/2010	Approved	[“Group Pension”,“Life”,“Annuity”]
Integrated Financial Planning Services	98-0385606	17935	10/18/2017	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Integrity Brokerage Services, Inc.	85-1517086	117589	11/30/2021	Approved	[“Group Pension”,“Annuity (servicing only)”,“Life”]
Intercarolina Financial Services, Inc.	56-1563464	19475	6/28/2000	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
International Assets Advisory, LLC	59-3734291	10645	4/17/2003	Approved	[“Group Pension”,“Life”,“Annuity; 529”]
International Money Management Group, Inc.	52-1259351	14367	11/24/1995	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Intervest International Equities Corporation	98-0096287	20289	11/3/1995	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Inverness Securities, LLC	01-0791017	129914	9/14/2004	Approved	[“529”,“Group Pension”,“Life”,“Annuity”]
Investment Network, Inc.	84-1624658	127724	10/28/2005	Approved	[“Annuity”]
Investment Planners, Inc.	37-1202099	18557	3/11/1997	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Investment Security Corporation	95-4727975	47536	10/25/2002	Approved	[“529”,“Annuity; Life; Group Pension”]
Invicta Capital, LLC	47-1180771	288101	4/10/2019	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
J K R & Company, Inc.	95-3420368	8040	9/1/1998	Approved	[“Annuity; 529; Life; Group Pension”]
J. Alden Associates, Inc.	23-2825319	40002	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO; BOLI”]
J. K. Financial Services, Inc.	33-0890059	103728	9/7/2007	Approved	[“Annuity; 529; Life; Group Pension”]
J.P. Morgan Securities, LLC	13-4110995	79	1/1/2002	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
J.W. Cole Financial, Inc.	16-1632597	124583	9/8/2003	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Jack V. Butterfield Investment Company	38-1787847	3998	7/6/2004	Approved	[“Annuity; 529; Group Pension”]
Jacques Financial, LLC	52-2217889	104219	7/25/2002	Approved	[“Annuity; Life; Group Pension”]
James I. Black & Company	59-1056275	1249	9/23/2009	Approved	[“Annuity; Life; Group Pension”]
James T. Borello & Co.	36-3688864	16860	8/2/2006	Approved	[“Annuity; Life; Group Pension”]
Janney Montgomery Scott LLC	23-0731260	463	7/15/1993	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
JBS Liberty Securities, Inc.	56-1863246	36179	8/22/2001	Approved	[“Annuity; Life; Group Pension”]
JDL Securities Corporation	33-0446425	28131	10/13/2009	Approved	[“Group Pension”]
JRL Capital Corporation	94-2750178	10225	5/12/1989	Approved	[“Annuity; Life; Group Pension”]
K. W. Chambers & Co.	43-0785292	1432	6/11/1997	Approved	[“Annuity; Life; Group Pension”]
KCD Financial, Inc.	33-1057766	127473	11/17/2003	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Keel Point Capital, LLC	42-1607342	6769	1/17/2013	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Kestra Investment Services, LLC	74-2794194	42046	6/13/1997	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO; BOLI”]
Key Investment Services LLC	13-4300906	136300	1/30/2006	Approved	[“Annuity; 529; Life; Group Pension”]
Keybanc Capital Markets Inc.	34-1391952	566	4/22/1994	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Keystone Capital Corporation	95-3744872	10722	5/24/2013	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
Kingswood Capital Partners, LLC	81-4245023	288898	6/12/2018	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Kovack Securities Inc.	65-0747270	44848	12/24/1998	Approved	[“Annuity; 529; Life; Group Pension”]

KW Securities Corporation	94-2744022	8237	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension”]
L.M. Kohn & Company	31-1311805	27913	7/18/2000	Approved	[“529”,“Group Pension”,“JHVLICO”,“Life”,“Annuity”]
L.O. Thomas & Co. Inc.	22-3749272	23657	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Labrunerie Financial Services, Inc.	43-1689437	37627	1/1/2002	Approved	[“Annuity; Life; Group Pension; JHVLICO”]
Lamon & Stern, Inc.	58-1334773	10839	9/19/2001	Approved	[“Group Pension”,“JHVLICO”]
Landaas & Company	39-1628643	47487	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension”]
Landolt Securities, Inc.	39-1662708	28352	3/7/2008	Approved	[“Annuity; 529; Group Pension”]
Larimer Capital Corporation	84-1028373	18189	6/15/1988	Approved	[“Annuity; Life; Group Pension; JHVLICO”]
Larson Financial Securities, LLC	27-1372444	152517	7/28/2010	Approved	[“529”,“Group Pension”,“Life”]
LaSalle St Securities, L.L.C.	36-2797246	7191	3/14/1994	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Leerink Swann LLC	42-1738148	39011	5/30/2002	Approved	[“Annuity; Life; Group Pension”]
Leigh Baldwin & Co., LLC	22-3348632	38751	6/4/2001	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Lesko Securities Inc.	16-1152736	10091	5/29/2020	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Leumi Investment Services Inc.	13-4132289	105387	4/29/2004	Approved	[“Annuity; 529; Life; Group Pension”]
Level Four Financial, LLC	20-0629176	25700	10/6/2004	Approved	[“Annuity; Life; Group Pension”]
Liberty Capital Investment Corporation	93-1014148	25706	1/1/2002	Approved	[“529”,“Annuity; Life; Group Pension”]
Liberty Partners Financial Services, LLC	90-0139675	130390	8/18/2004	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”,“Annuity; 529; Group Pension”]
Lieblong & Associates, Inc.	71-0788483	42578	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension”]
Lifemark Securities Corp.	16-1238365	16204	10/25/1994	Approved	[“529”,“Group Pension”,“JHVLICO”,“Life”,“Annuity”]
Lincoln Douglas Investments, LLC	27-3459194	155578	3/13/2014	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”,“529”]
Lincoln Financial Advisors Corporation	35-1151034	3978	3/30/1993	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Lincoln Financial Securities Corporation	02-0275490	3870	12/1/1988	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO; BOLI”]
Lincoln Investment Planning, Inc.	23-1702591	519	6/1/1992	Approved	[“529”,“Group Pension”,“JHVLICO”,“Life”,“Annuity”]
Lion Street Financial, LLC	80-0842559	165828	12/11/2013	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Lockton Financial Advisors, LLC	20-3247391	137476	8/12/2008	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
Lombard Securities Incorporated	52-1718358	27954	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension”]
Loria Financial Group, LLC	36-4312353	102360	8/8/2001	Approved	[“Annuity; Life; Group Pension; JHVLICO”]
LPL Financial Corporation	95-2834236	6413	3/1/1990	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
M Holdings Securities, Inc.	91-1802259	43285	6/14/2000	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO; BOLI”]
M&T Securities, Inc.	16-1263079	17358	5/1/2003	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
M.E. Allison & Co., Inc.	74-1037681	1047	2/5/2013	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
M.H. LeBlang, Inc.	13-2553361	2535	8/20/2018	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
M.S. Howells & Co	86-0988422	104100	5/3/2016	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Mack Investment Securities, Inc.	36-3423948	17643	6/4/1991	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Madison Avenue Securities, Inc.	71-0987804	23224	3/27/2006	Approved	[“Annuity; 529; Life; Group Pension”]
MAFG RIA Services, Inc.	22-3203853	35690	12/10/1996	Approved	[“Annuity; Life; Group Pension; JHVLICO”]
Maplewood Investment, Inc.	75-2908461	103723	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension”]
Marc J. Lane & Company	36-3342755	16188	3/16/2010	Approved	[“Group Pension”]
Mason Securities, Inc.	54-1211119	12967	1/23/1995	Approved	[“529”,“Group Pension”,“JHVLICO”,“Life”,“Annuity (servicing only)”]
May Capital Group, L.L.C.	22-3324819	37081	3/10/2003	Approved	[“Annuity; Life; Group Pension; JHVLICO”]
McClurg Capital Corporation	94-2969239	16798	8/4/1998	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
McDermott Investment Services, LLC	27-3120227	154926	8/2/2011	Approved	[“Life”,“Annuity”]
McDonald Partners, LLC	20-2714559	135414	4/25/2006	Approved	[“529”,“Annuity; Life; Group Pension”]
MCG Securities, LLC	30-0722214	163144	10/31/2014	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
McLaughlin Ryder Investments, Inc.	26-0427041	147529	6/3/2011	Approved	[“Group Pension”,“Life”,“Annuity”]
McNally Financial Services Corporation	43-1957591	121196	1/9/2004	Approved	[“Annuity; 529; Group Pension; JHVLICO”]
Mercer Allied Company, L.P.	14-1775694	37404	8/11/1995	Approved	[“Annuity; Life; Group Pension; JHVLICO”]
Merrill Lynch, Pierce, Fenner & Smith Incorporated	13-2808480	7691	12/31/1990	Approved	[“529”,“Group Pension”,“Life”,“Annuity”]
Mesirow Financial, Inc.	36-3194849	2764	6/10/1994	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Michigan Securities, Inc.	38-3488273	101600	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Mid Atlantic Capital Corporation	25-1409618	10674	4/9/1993	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO; BOLI”]
Midwestern Securities Trading Company, LLC	37-1392167	101080	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension”]
Milestone Investments, Inc.	56-2125552	47090	4/23/2002	Approved	[“Annuity; Life; Group Pension”]
Mitre Group, LLC	20-1998511	140356	9/14/2007	Approved	[“Annuity; Life; Group Pension”]
MMA Securities LLC	22-3570392	44254	7/2/2003	Approved	[“Group Pension”,“JHVLICO”,“Life”,“Annuity (servicing only)”]

MMC Securities Corp.	06-1685865	103846	5/4/2001	Approved	[“Annuity; Life; Group Pension; JHVLICO; TOHI”]
MML Investors Services, LLC	04-1590850	10409	10/13/1995	Approved	[“529”,“Group Pension”,“JHVLICO”,“Life”,“BOLI”]
Moloney Securities Co., Inc.	43-1714327	38535	11/23/2000	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Monere Investments, Inc.	36-4401708	105487	7/22/2015	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Money Concepts Capital Corp	59-2268067	12963	8/30/1995	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Montage Securities, LLC	27-2587292	154327	10/10/2011	Approved	[“529”,“Group Pension”,“Life”,“Annuity”]
Moors & Cabot, Inc.	04-2644548	594	1/1/2002	Approved	[“529”,“Group Pension”,“JHVLICO”,“Life”,“Annuity”]
Mora WM Securities, LLC	45-2581955	158599	4/15/2016	Approved	[“Annuity (servicing only)”]
Morgan Stanley & Co., Incorporated	13-2655998	8209	6/22/1989	Approved	[“Annuity; 529; Life; Group Pension; BOLI”]
Morris Group, Inc.	35-1546402	13181	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension”]
Multiple Financial Services, Inc.	33-0860466	100100	7/23/2010	Approved	[“Group Pension”,“Life”,“Annuity”]
Mutual of Omaha Investor Services, Inc.	47-0770844	611	6/3/2008	Approved	[“Annuity; Life; Group Pension; JHVLICO”]
Mutual Securities, Inc.	95-3703162	13092	1/1/2002	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Mutual Trust Co. of America Securities	59-2044132	8494	3/12/1999	Approved	[“Annuity; 529; Life; Group Pension”]
MWA Financial Services Inc.	36-4420471	112630	2/21/2002	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Nations Financial Group, Inc.	39-1909295	44181	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Nationwide Planning Associates Inc.	22-3196827	31029	3/28/2003	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Nationwide Securities, LLC	36-2434406	11173	8/16/2004	Approved	[“Annuity; 529; Life; Group Pension”]
Navy Federal Brokerage Services, LLC	04-3826446	138459	1/30/2007	Approved	[“Annuity; 529; Life; Group Pension”]
NBC Securities, Inc.	63-0923499	17870	4/14/2001	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Neidiger, Tucker, Bruner, Inc.	84-0735234	7425	6/28/2000	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Nelson Ivest Brokerage Services, Inc.	59-2106660	3002	12/4/2002	Approved	[“Annuity; Group Pension”]
Nelson Securities,Inc.	91-1219910	14377	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension”]
Network 1 Financial Securities Inc.	74-2454126	13577	2/6/2003	Approved	[“Annuity”]
Newbridge Securities Corporation	54-1879031	104065	1/25/2002	Approved	[“Annuity; 529; Life; Group Pension”]
Newport Group Securities, Inc.	59-3099288	29722	9/3/2003	Approved	[“Annuity; Life; Group Pension; JHVLICO; BOLI”]
Next Financial Group, Inc.	54-1900002	46214	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
NGC Financial, LLC	22-3871092	145082	3/6/2008	Approved	[“Annuity; Life; Group Pension”]
Ni Advisors, Inc.	20-2100558	134502	3/14/2007	Approved	[“529”,“Annuity; Life; Group Pension”]
Niagara International Capital Limited	20-2182342	135327	2/7/2014	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Nicol Investors Corporation	68-0515054	123111	4/20/2004	Approved	[“Annuity; Group Pension”]
Northern Lights Distributors, LLC	77-0625792	126159	10/22/2004	Approved	[“Group Pension”,“JHVLICO”,“Life”,“Annuity (servicing only)”]
Northland Securities, Inc.	41-1819873	40258	2/4/2003	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Northwestern Mutual Investment Services, LLC	52-2114207	2881	1/1/2001	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO; BOLI”]
NYLife Securities LLC	27-0145686	5167	3/12/1996	Approved	[“529”,“Annuity; Life; Group Pension; JHVLICO; BOLI”]
Oak Tree Securities, Inc.	68-0095374	18126	12/1/1994	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Oberlin Financial International, LLC	82-3775196	294205	5/29/2020	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
OFG Financial Services, Inc.	48-0759751	23940	4/1/1994	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Omega Securities, Inc.	75-1480835	7164	2/24/1994	Approved	[“Annuity; Life; Group Pension”]
Omni Financial Securities, Inc.	31-1330353	29320	7/16/1996	Approved	[“Annuity; Life; Group Pension; JHVLICO”]
OneAmerica Securities, Inc.	35-1159900	4173	3/22/2000	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Oppenheimer & Co. Inc.	13-5657518	249	7/1/1991	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Oriental Financial Services Corp. (NEW)	66-0480123	29753	7/28/2016	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
P.J. Robb Variable Corporation	62-1592808	38339	10/1/1997	Approved	[“Annuity; Life; Group Pension; JHVLICO”]
Pacific Financial Associates, Inc.	33-0063888	23772	1/1/2002	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
Packerland Brokerage Services, Inc.	39-1794957	37031	8/28/1995	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Painter, Smith and Gorian Inc.	95-3679604	10865	1/1/2002	Approved	[“Annuity; Life; Group Pension”]
Paradigm Equities, Inc.	38-3091434	31990	5/17/2016	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
Pariter Securities, LLC	66-0712540	127836	8/4/2009	Approved	[“Annuity; Life; Group Pension”]
Park Avenue Securities LLC	13-4023176	46173	9/19/1991	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Parkland Securities, LLC	74-3010408	115368	2/26/2002	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Parsonex Securities, Inc.	20-8580639	144412	1/30/2009	Approved	[“Annuity; 529; Life; Group Pension”]
Paulson Investment Company, Inc.	93-0789804	5670	10/22/1991	Approved	[“Annuity; 529; Life; Group Pension”]
Peachtree Capital Corporation	58-1857011	25590	11/19/2005	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Peak Brokerage Services LLC	27-5097314	157045	9/28/2011	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]

Pensionmark Securities, LLC	81-2334025	283952	9/8/2017	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Pentegra Distributors, Inc.	13-3529467	26249	2/26/2008	Approved	[“Annuity; Life; Group Pension”]
Perryman Securities, Inc.	75-2945060	116502	3/6/2002	Approved	[“Annuity; Life; Group Pension”]
Phoenix Equity Planning Corporation	23-2795977	38383	11/20/2000	Approved	[“Annuity; Life; Group Pension; JHVLICO”]
PHX Financial, Inc.	41-2225155	144403	5/14/2019	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
Pinnacle Equity Management, Inc.	43-1600887	106213	8/8/2002	Approved	[“Annuity; Life; Group Pension”]
Plan B Investments, Inc.	20-1688448	136162	6/28/2013	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
PlanMember Securities Corporation	95-3706234	11869	9/30/1997	Approved	[“Annuity; 529; Life; Group Pension”]
Plexus Financial Services, LLC	27-1746834	153132	4/6/2011	Approved	[“Group Pension”,“Life”,“Annuity”]
PNC Investments, LLC	42-1604685	129052	4/6/2004	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Portfolio Resources Group, Inc.	65-0370652	31155	5/15/2008	Approved	[“Annuity; 529; Life; Group Pension”]
Portsmouth Financial Services, Inc.	94-2904473	13980	4/28/1998	Approved	[“Life”,“529”]
Preferred Client Group, Inc.	75-2826360	48008	9/8/2008	Approved	[“Annuity”]
Principal Securities, Inc.	42-0941553	1137	9/7/1994	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Principled Advisors, Inc.	59-3782727	131345	2/18/2005	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
Private Client Services, LLC	61-1383537	120222	1/20/2010	Approved	[“529”,“Group Pension”,“Life”,“Annuity”]
Private Placement Insurance Products, LLC	20-3716885	140139	8/10/2018	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
Profinancial, Inc.	72-1004707	15345	5/27/1994	Approved	[“Annuity; Life; Group Pension”]
Prospera Financial Services, Inc.	75-1832551	10740	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
PTS Brokerage, LLC	22-3832388	119307	12/13/2004	Approved	[“Group Pension”,“Annuity; 529”]
Puplava Securities, Inc.	33-0086182	39301	1/8/1998	Approved	[“Annuity; Life; Group Pension”]
Purshe Kaplan Sterling Investments, Inc.	14-1796925	35747	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
R F Lafferty & Co., Inc.	13-3000887	2498	4/28/2016	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
R. Seelaus & Co., Inc.	22-2501042	14974	3/2/2007	Approved	[“Annuity; 529; Life; Group Pension”]
R.M. Stark & Co., Inc.	13-3485532	7612	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Raymond James & Associates, Inc.	59-1237041	705	1/1/2002	Approved	[“529”,“Group Pension”,“Life”,“Annuity”]
Raymond James Financial Services, Inc.	59-1531281	6694	4/1/1989	Approved	[“529”,“Group Pension”,“JHVLICO”,“Life”,“Annuity”]
RBC Capital Markets, LLC	41-1416330	31194	11/13/1991	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Red Capital Markets, LLC	31-1078499	14840	1/2/2003	Approved	[“Annuity; Life; Group Pension”]
Regal Securities, Inc.	36-2916812	7297	10/19/2005	Approved	[“Annuity; 529; Life; Group Pension”]
Register Financial Associates, Inc.	58-2001619	30568	4/26/2007	Approved	[“Group Pension”,“Life”,“Annuity”]
Regulus Advisors, LLC	26-3975819	150631	5/29/2014	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Rehmann Financial Network, LLC	46-0571202	165027	4/13/2018	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
Reid and Associates, LLC	14-1778902	8060	10/25/2013	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
Rhodes Securities, Inc.	75-2156987	19610	1/1/2002	Approved	[“Annuity; Life; Group Pension; JHVLICO”]
Richard Brothers Securities (dba Allegiance Capital, LLC)	01-0538310	105285	9/23/2009	Approved	[“Annuity; 529; Life; Group Pension”]
Riedl First Securities Company of Kansas	48-1118573	30812	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension”]
RNR Securities, L.L.C.	11-3374561	43689	10/25/2002	Approved	[“Group Pension”,“Annuity (servicing only)”,“Annuity; 529”]
Robert W. Baird & Co. Incorporated	39-6037917	8158	2/5/1997	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Rockefeller Financial, LLC	82-3226180	291361	8/19/2019	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”,“529”]
Rogan & Associates, Inc.	65-0718838	42762	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension”]
Romano Brothers and Company	36-2659240	3215	12/19/2020	Approved	[“529”,“Life”,“Annuity (servicing only)”,“Group Pension”]
Rothschild Investment Corporation	36-2708660	728	9/17/2003	Approved	[“Annuity; Life; Group Pension”]
Royal Alliance Associates, Inc.	93-0987232	23131	7/30/1990	Approved	[“529”,“Group Pension”,“JHVLICO”,“Life”,“Annuity (servicing only)”]
S.G. Long & Company	81-0504511	47511	1/1/2002	Approved	[“Annuity”,“Life”,“Group Pension”,“529”]
S.L. Reed & Company	95-4569995	40744	7/7/2009	Approved	[“Annuity; Life; Group Pension”]
SA Stone Wealth Management, Inc.	75-2975513	18456	1/1/2002	Approved	[“Life”,“Annuity (servicing only)”,“Group Pension”]
Sage, Rutty & Co., Inc.	16-0620690	3254	11/4/2004	Approved	[“Annuity; 529; Life; Group Pension”]
SagePoint Financial, Inc.	20-1741754	133763	10/31/2005	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO; BOLI”]
San Blas Securities, LLC	82-2542915	290605	9/24/2020	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”,“TOHI”,“529”]
Sanctuary Securities, Inc.	36-2957364	205	1/1/2002	Approved	[“529”,“Group Pension”,“JHVLICO”,“Life”,“Annuity (servicing only)”]
Sanders Morris Harris Inc	76-0224835	20580	1/8/2002	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Santander Securities, LLC	66-0534068	41791	3/4/2013	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Saxony Securities, Inc.	43-1932300	115547	4/8/2003	Approved	[“529”,“Group Pension”,“Life”,“Annuity”]
Saybrus Equity Services, LLC	27-1869321	153319	9/17/2010	Approved	[“Group Pension”,“Life”]

SCF Securities, Inc.	86-0936511	47275	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Scott T. Taylor, Ltd.	20-1277948	136414	10/9/2007	Approved	[“Annuity; Life; Group Pension”]
Scottsdale Capital Advisors Corp	86-1032510	118786	11/8/2002	Approved	[“Annuity; 529”]
Securian Financial Services, Inc.	14-1486060	15296	6/1/1992	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Securities Equity Group	33-0842620	47215	7/11/2003	Approved	[“529”,“Annuity; Life; Group Pension; JHVLICO”]
Securities Management & Research, Inc.	59-1145041	759	12/15/2011	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Securities Research, Inc. (NEW)	59-1862659	6516	3/26/2021	Approved	[“Group Pension”,“Annuity (servicing only)”]
SEI Investments Distribution Co.	23-2177800	10690	10/4/2004	Approved	[“Annuity; Life; Group Pension”]
Selkirk Investments, Inc.	91-1189461	13854	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension”]
Sentinel Securities, Inc.	04-3527574	110942	10/23/2001	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Sentinus Securities, LLC	47-3243901	279029	5/8/2017	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
SFA Financial, LLC	33-1148678	149647	11/20/2012	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
Shareholders Service Group, Inc.	71-0707839	125226	8/9/2005	Approved	[“Annuity; Life; Group Pension”]
Sigma Financial Corporation	38-2472555	14303	11/20/1992	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Signal Securities, Inc.	75-1994786	15916	12/1/1993	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Signature Securities Group Corporation	13-4120476	104233	11/27/2004	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Silver Oak Securities, Incorporated	62-1765234	46947	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension”]
Simplicity Financial Investment Services, Inc.	26-2948179	148024	9/28/2020	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
Sisung Securities Corporation	72-1156248	25752	6/23/1994	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
SKA Securities, Inc.	34-1953704	113852	3/25/2008	Approved	[“Annuity”]
Smith, Brown & Groover, Inc.	58-0969636	1329	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension”]
Smith, Moore & Co.	43-1244128	3441	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension”]
SNC Capital Management Corp.	36-3343717	15548	11/4/2002	Approved	[“Annuity”]
Snowden Account Services, Inc.	94-3467207	149794	3/8/2013	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Somerset Securities, Inc.	04-3333156	2493	3/25/2003	Approved	[“Annuity; Life; Group Pension”]
Sorrento Pacific Financial, LLC	04-3746212	127787	1/17/2006	Approved	[“Annuity; 529; Life; Group Pension”]
Southeast Investments N.C. Inc.	56-2001267	43035	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Southern Trust Securities, Inc.	65-0926091	103781	9/28/2004	Approved	[“Annuity; 529; Group Pension”]
Southern Wealth Securities, LLC	82-3136934	291005	7/30/2018	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
Sovereign Legacy Securities, Inc.	11-1738990	1783	5/24/2011	Approved	[“Annuity”]
Spire Securities, LLC	20-8920866	144131	11/15/2007	Approved	[“Annuity; 529; Life; Group Pension”]
St. Bernard Financial Services, Inc.	71-0752696	36956	5/8/2002	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
St. Germain Securities, Inc.	27-3158654	3255	8/9/2011	Approved	[“529”,“Group Pension”,“Life”,“Annuity”]
Stanley Laman Group Securities, LLC	33-1027312	126160	5/5/2004	Approved	[“Annuity; Life; Group Pension; JHVLICO”]
Stephens Inc.	71-0641478	3496	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Sterling Monroe Securities, LLC	75-3049285	122696	7/24/2007	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Stern Brothers & Co.	43-1357568	16325	3/27/2003	Approved	[“Annuity; 529”]
Stifel Independent Advisors, LLC	43-1567959	28218	5/16/2001	Approved	[“Annuity; Life; Group Pension; JHVLICO”]
Stifel, Nicolaus & Company, Incorporated	43-0538770	793	8/7/1992	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Stoever Glass & Company, Inc.	13-2505863	7031	4/5/2017	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
Stonecrest Capital Markets, Inc.	56-1943573	39616	7/31/2017	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
Sunbelt Securities, Inc.	47-9660137	42180	5/7/2009	Approved	[“529”,“Annuity; Life; Group Pension”]
Sunset Financial Services, Inc.	91-0837062	3538	11/29/1994	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”,“BOLI”]
Sunstreet Securities, LLC	56-2614773	143211	2/26/2008	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
SunTrust Robinson Humphrey, Inc.	62-0871146	6271	5/8/2002	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Superior Financial Services, Inc.	39-1992135	104165	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension”]
Supreme Alliance LLC	90-0436170	45348	4/25/2012	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
SWBC Investment Services, LLC	20-1484586	133715	12/13/2006	Approved	[“Annuity; 529; Life; Group Pension”]
Sycamore Financial Group	35-1572068	14143	1/1/2002	Approved	[“Annuity; Life; Group Pension”]
Symphonic Securities LLC	42-1675559	139512	3/26/2009	Approved	[“529”,“Group Pension”,“Life”,“Annuity”]
Syndicated Capital, Inc.	95-4042447	29037	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Synovus Securities, Inc.	58-1625031	14023	7/4/2002	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
T.S. Phillips Investments, Inc.	30-0089632	124348	4/30/2003	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Tandem Securities, Inc.	20-4498572	140546	6/17/2009	Approved	[“Annuity”]
Taylor Securities, Inc.	62-1254593	17575	8/6/1993	Approved	[“Annuity; Life; Group Pension”]

TCFG Wealth Management, LLC	80-0804654	164153	7/10/2014	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
TD Ameritrade, Inc.	06-0988655	7870	1/1/2002	Approved	[“Annuity; Life; Group Pension; JHVLICO”]
Teckmeyer Financial Services, L.L.C.	47-0789382	39000	8/6/1997	Approved	[“Annuity; 529; Life; Group Pension”]
TFS Securities, Inc.	22-2825878	20626	10/20/1997	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
The Enterprise Securities Company	38-2932225	26598	7/1/1999	Approved	[“Annuity; Life; Group Pension; JHVLICO”]
The Garbacz Group Inc	43-1535339	26104	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension”]
The GMS Group, LLC	77-0606720	8000	1/1/2002	Approved	[“Annuity; 529”]
The Huntington Investment Company	31-1316299	16986	1/19/1998	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
The Investment Center, Inc.	22-2699900	17839	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
The Jeffrey Matthews Financial Group, LLC	22-3470463	41282	5/29/2014	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
The Leaders Group, Inc.	84-1275292	37157	5/15/1996	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO; BOLI; TOHI”]
The New PenFacs Inc.	41-2238941	145584	4/21/2009	Approved	[“Annuity; Life; Group Pension”]
The O.N. Equity Sales Company	31-0742113	2936	9/14/1990	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO; BOLI”]
The Oak Ridge Financial Services Group, Inc.	41-1868775	42941	1/1/2002	Approved	[“Annuity; Life; Group Pension; JHVLICO”]
The Strategic Financial Alliance, Inc.	03-0510324	126514	11/11/2003	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
The Tavenner Company	31-1171911	18004	2/16/2001	Approved	[“Annuity; 529; Life; Group Pension”]
ThomasLloyd Capital LLC	20-5758053	38784	1/1/2002	Approved	[“Annuity; Life; Group Pension”]
Thompson Davis & Co., Inc.	13-3848035	41353	12/18/2002	Approved	[“Annuity; 529”]
Thoroughbred Financial Services, LLC	62-1784717	47893	5/10/2000	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Thrasher & Chambers, Inc.	71-0824595	3586	5/1/2003	Approved	[“Life”,“Annuity”]
Thrivent Investment Management Inc.	39-1559375	18387	5/19/2004	Approved	[“Life; Group Pension; JHVLICO”]
Thurston, Springer, Miller, Herd & Titak, Inc.	35-1493200	8478	4/12/1995	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
TIAA-CREF & Institutional Services, LLC	55-0856733	20472	6/25/2007	Approved	[“Annuity; Life; Group Pension”]
TimeCapital Securities Corporation	11-2339821	6845	7/18/2002	Approved	[“529”,“Annuity (servicing only)”]
Titan Securities	59-3782400	131392	2/5/2009	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Titleist Asset Management, Ltd	72-1546466	126136	4/18/2012	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Trade-PMR Inc.	59-3539169	46350	10/30/2009	Approved	[“Annuity”]
Transam Securities, Inc.	59-2730348	18923	5/18/1993	Approved	[“Annuity; 529; Life; Group Pension”]
Transamerica Financial Advisors, Inc.	59-2476008	16164	4/1/1991	Approved	[“529”,“Group Pension”,“JHVLICO”,“Life”,“Annuity”]
Transitional Broker, LLC	83-4699697	304313	10/9/2020	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
Triad Advisors, Inc.	65-0173164	25803	1/15/1999	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Trinity Wealth Securities, L.L.C.	43-1892336	104348	7/7/2003	Approved	[“Annuity; Life; Group Pension”]
Trubee, Collins & Co., Inc.	16-1406627	3618	11/1/2005	Approved	[“Annuity; 529; Life; Group Pension”]
TrueNorth, Inc.	48-1233289	112091	5/27/2005	Approved	[“Annuity; Life; Group Pension”]
Truist Investment Services, Inc.	58-1648698	17499	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Trustmont Financial Group, Inc.	25-1527294	18312	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension”]
Trutoro	46-3578654	169291	9/11/2014	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
U.S. Bancorp Investments, Inc.	84-1019337	17868	4/21/1992	Approved	[“529”,“Group Pension”,“JHVLICO”,“Life”,“Annuity”]
U.S. Brokerage, Inc.	34-1809568	39307	6/13/2002	Approved	[“529”,“Annuity”]
UBS Financial Services Inc.	13-2638166	8174	8/24/1988	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Uhlmann Price Securities, LLC	36-4135497	42854	10/31/2011	Approved	[“529”,“Group Pension”,“Life”,“Annuity”]
UMB Financial Services, Inc.	43-1381257	17073	8/12/2003	Approved	[“Annuity; 529; Life; Group Pension”]
Umpqua Investments, Inc.	93-0125240	1254	1/1/2002	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Union Capital Company	86-1004803	110301	9/25/2006	Approved	[“Annuity; Life; Group Pension”]
UnionBanc Investment Services, LLC	95-3883259	14455	11/18/2003	Approved	[“Annuity; 529; Life; Group Pension”]
United Brokerage Services, Inc.	55-0742331	39062	1/6/2006	Approved	[“Annuity; Life; Group Pension; JHVLICO”]
United Planners’ Financial Services of America A Limited Partner	86-0588303	20804	5/1/1992	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Universal Financial Services Inc.	66-0639438	131558	5/26/2010	Approved	[“Group Pension”,“Life”,“Annuity”]
Univest Investments, Inc.	23-1699073	1834	3/20/2008	Approved	[“Annuity; 529; Life; Group Pension”]
USA Financial Securities Corporation	38-3397033	103857	11/9/2001	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
USCA Securities LLC	22-3696585	103789	3/14/2011	Approved	[“529”,“Group Pension”,“Life”,“Annuity”]
USI Securities, Inc.	06-1493970	43793	12/14/1998	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
VALIC Financial Advisors, Inc.	76-0519992	42803	4/19/2002	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Valley National Investments, Inc.	23-2352181	16715	1/1/2002	Approved	[“529”,“Group Pension”,“JHVLICO”,“Life”,“Annuity”]
Valmark Securities, Inc.	34-1724087	31243	8/1/1997	Approved	[“529”,“Group Pension”,“JHVLICO”,“Life”,“BOLI”,“Annuity”]

Valor Financial Securities LLC	80-0413304	150726	12/29/2009	Approved	[“Annuity; 529; Life; Group Pension”]
Vanderbilt Securities, LLC	11-3639254	5953	11/10/2003	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Variable Investment Advisors, Inc.	91-1864112	44412	12/8/2004	Approved	[“Annuity”]
Verity Investments, Inc.	90-0739043	41527	1/1/2002	Approved	[“529”,“Group Pension”,“Life”,“Annuity”]
Vestech Securities, Inc.	48-1181578	41409	1/1/2002	Approved	[“529”,“Annuity; Life; Group Pension; JHVLICO”]
Vision	13-4066286	47927	1/20/2010	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Vorpahl Wing Securities	91-1719382	47548	10/7/2003	Approved	[“Annuity; Group Pension”]
Voya Financial Advisors, Inc.	41-0945505	2882	12/5/1994	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Voya Financial Partners, LLC	06-1375177	34815	8/2/2002	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
W&S Brokerage Services, Inc.	31-0846576	8099	9/14/2020	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
Washington Securities Corporation	54-1913812	46213	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Waveland Capital Partners, LLC	77-0425821	40054	10/8/2004	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
WBB Securities, LLC	33-0984561	118440	7/3/2002	Approved	[“Annuity; Life; Group Pension; JHVLICO”]
Wedbush Morgan Securities Inc.	95-2495390	877	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension”]
Weitzel Financial Services, Inc.	42-0949102	27346	4/27/2007	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
Weller, Anderson & Co., Ltd.	76-0147898	23736	10/19/2005	Approved	[“Annuity; Life; Group Pension”]
Wellington Shields & Co., LLC	26-3489406	149021	7/30/2010	Approved	[“Group Pension”,“Life”,“Annuity”]
Wells Fargo Advisors Financial Network, LLC	48-1305000	11025	1/9/1998	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Wells Fargo Clearing Services, LLC	34-1542819	19616	3/8/1993	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Wesbanco Securities, Inc.	31-1484891	43276	3/23/2006	Approved	[“Annuity; 529; Life; Group Pension”]
Wescom Financial Services LLC	95-4853684	125650	9/9/2005	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Western Equity Group, Inc.	76-0749184	130876	11/9/2004	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Western International Securities, Inc.	84-1314321	39262	1/1/2002	Approved	[“529”,“Group Pension”,“Life”]
Western Strategic Advisors, LLC	75-2911711	118757	2/2/2010	Approved	[“Annuity”]
Westminster Financial Securities, Inc.	31-1213105	20677	1/23/1996	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Westpark Capital, Inc.	84-1333428	39914	1/12/2017	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Westport Financial Services, L.L.C.	06-1409406	38449	1/15/1992	Approved	[“Annuity; Life; Group Pension; JHVLICO”]
Westport Resources Investment Services, Inc.	22-2955076	24535	1/17/2003	Approved	[“Annuity; 529; Life; Group Pension”]
White Mountain Capital, LLC	13-4077093	104123	12/5/2002	Approved	[“529”,“Annuity; JHVLICO”]
Wiley Bros.-Aintree Capital, LLC	62-1627736	3767	1/1/2002	Approved	[“Annuity; 529; Life; Group Pension”]
William Blair & Company L.L.C.	36-2214610	1252	8/21/2013	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
Wilmington Capital Securities, LLC	20-1894227	133839	5/26/2010	Approved	[“Group Pension”]
WJ Lynch Investor Services LLC	20-4472438	140762	4/30/2007	Approved	[“Annuity; Life; Group Pension”]
Wood (Arthur W.) Company, Inc.	04-3023088	3798	1/1/2002	Approved	[“529”,“Group Pension”,“Life”,“Annuity”]
Woodbury Financial Services, Inc.	41-0944586	421	7/11/1991	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Woodlands Securities Corporation	76-0248272	22373	2/3/1997	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Woodmen Financial Services, Inc.	22-3828171	117365	10/6/2014	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
World Capital Brokerage, Inc.	84-0478785	37	12/13/1991	Approved	[“Annuity; 529; Life; Group Pension”]
World Choice Securities, Inc.	75-2452273	30933	1/14/2002	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
World Equity Group, Inc.	36-3797444	29087	6/27/2000	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
Worth Financial Group, Inc.	75-1888861	13478	5/3/2002	Approved	[“529”,“Group Pension”,“Life”,“Annuity (servicing only)”]
XML Securities, LLC	26-1142393	145589	6/6/1993	Approved	[“Annuity; 529; Life; Group Pension; JHVLICO”]
YR Securities, Inc.	47-2516544	174708	11/24/2015	Approved	[“Group Pension”,“Life”,“Annuity (servicing only)”]
Zions Direct, Inc.	87-0432248	17776	11/18/2003	Approved	[“Annuity; Life; Group Pension”]
Ziv Investment Company	34-2481379	4316	1/1/2002	Approved	[“Annuity; Life; Group Pension”]

EX-99.30(N)

Consent of Independent Registered Public Accounting Firm

We consent to the reference to our firm under the captions “Services” and “Financial Statements” as the independent registered public accounting firm in the Statement of Additional Information, dated May 1, 2023, and included in this Post-Effective Amendment No. 23 to the Registration Statement (Form N-6 No. 333-100567) of John Hancock Life Insurance Company (U.S.A.) Separate Account N (the “Registration Statement”).

We also consent to the use of our reports (1) dated March 30, 2023, with respect to the statutory-basis financial statements of John Hancock Life Insurance Company (U.S.A.) and (2) dated March 30, 2023, with respect to the financial statements of each of the subaccounts within John Hancock Life Insurance Company (U.S.A.) Separate Account N, for the year ended December 31, 2022, incorporated by reference in this Registration Statement, filed with the Securities and Exchange Commission.

/s/ Ernst & Young LLP

Boston, Massachusetts

April 21, 2023

EX-99.30(N)(1)

 

John Hancock

200 Berkeley Street
Boston, Massachusetts 02116
(617) 572-0070
E-mail: mramirez@jhancock.com

Michael A. Ramirez
AVP and Senior Counsel

April 21, 2023

U.S. Securities and Exchange Commission
450 F St., N.E.
Washington, D.C. 20549

Re: John Hancock Life Insurance Company (U.S.A.) Separate Account N File Nos. 811-5130 and 333-100567

Commissioners:

This opinion is being furnished with respect to the filing of Post-Effective No. 23 under the Securities Act of 1933 (Post-Effective Amendment No. 31 under the Investment Company Act of 1940) on the Form N-6 Registration Statement of John Hancock Life Insurance Company (U.S.A.) Separate Account N as required by Rule 485 under the 1933 Act.

I have acted as counsel to Registrant for the purpose of preparing this Post-Effective Amendment which is being filed pursuant to paragraph (b) of Rule 485 and hereby represent to the Commission that in our opinion this Post-Effective Amendment does not contain disclosures which would render it ineligible to become effective pursuant to paragraph (b).

I hereby consent to the filing of this opinion with and as a part of this Post-Effective Amendment to Registrant’s Registration Statement with the Commission.

Very truly yours,

/s/ Michael A. Ramirez

Michael A. Ramirez
AVP and Senior Counsel

Corporate VUL 03 - Corporate VUL 04

EX-99.30(I)

POWER OF ATTORNEY

I, Emanuel Alves, in my capacity as a Director of John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York, do hereby constitute and appoint Tracy Lannigan, Michael A. Ramirez, and Lisa Shepard or any of them individually, my true and lawful attorneys and agents to execute, in the name of, and on behalf of, the undersigned as a member of said Board of Directors, the Registration Statements listed below filed with the Securities and Exchange Commission (“SEC”) under the Securities Act of 1933 and the Investment Company Act of 1940, and any and all amendments to the Registration Statements listed below filed with the SEC, and the undersigned hereby ratifies and confirms as his or her own act and deed all that each of said attorneys and agents shall do or cause to have done by virtue hereof.

Variable Life Registration Statements filed for the John Hancock Variable Life Account S:
John Hancock Variable Life Account S (Medallion Executive Variable Life, Medallion Executive Variable Life II, Medallion Executive Variable Life III)	#	333-164150
John Hancock Variable Life Account S (Majestic Variable Universal Life, Majestic Variable Universal Life 98)	#	333-164151
John Hancock Variable Life Account S (Variable Master Plan Plus)	#	333-164152
John Hancock Variable Life Account S (Majestic Variable COLI)	#	333-164153
John Hancock Variable Life Account S (Variable Estate Protection, Majestic Variable Estate Protection, Majestic Variable Estate Protection 98, Variable Estate Protection Plus)	#	333-164156
John Hancock Variable Life Account S (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life)	#	333-164154
John Hancock Variable Life Account S (Performance Executive Variable Life)	#	333-164155
Variable Life Registration Statements filed for the John Hancock Variable Life Account UV:
John Hancock Variable Life Account UV (Annual Premium Variable Life)	#	333-164157
John Hancock Variable Life Account UV (Flex V1)	#	333-164158
John Hancock Variable Life Account UV (Flex V2)	#	333-164159
John Hancock Variable Life Account UV (Medallion Variable Life)	#	333-164160
John Hancock Variable Life Account UV (Variable Estate Protection)	#	333-164161
John Hancock Variable Life Account UV (Variable Estate Protection Plus)	#	333-164162
John Hancock Variable Life Account UV (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life)	#	333-164164
John Hancock Variable Life Account UV (Majestic Variable Universal Life 98)	#	333-164163
John Hancock Variable Life Account UV (Majestic Variable Estate Protection 98)	#	333-164165
John Hancock Variable Life Account UV (Medallion Executive Variable Life III)	#	333-164166
John Hancock Variable Life Account UV (Medallion Variable Universal Life Plus)	#	333-164167
John Hancock Variable Life Account UV (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II)	#	333-164168
John Hancock Variable Life Account UV (Majestic Variable COLI)	#	333-164169
John Hancock Variable Life Account UV (Performance Executive Variable Life)	#	333-164170
Variable Life Registration Statements filed for the John Hancock Variable Life Account U:
John Hancock Variable Life Account U (Medallion Variable Life, Medallion Variable Universal Life Plus)	#	333-164171
John Hancock Variable Life Account U (Annual Premium Variable Life)	#	333-164172
John Hancock Variable Life Account U (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II)	#	333-164173
John Hancock Variable Life Account U (eVariable Life)	#	333-164174

Variable Life Registration Statements filed for the John Hancock Variable Life Account V:
John Hancock Variable Life Account V (Flex V1)	#	333-164175
John Hancock Variable Life Account V (Flex V2)	#	333-164176
Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account A:
John Hancock Life Insurance Company (U.S.A.) Account A (VUL Accumulator, EPVUL, Accumulation Variable Universal Life)	#	333-85284
John Hancock Life Insurance Company (U.S.A.) Account A (VUL Protector)	#	333-88748
John Hancock Life Insurance Company (U.S.A.) Account A (SPVL)	#	333-71136
John Hancock Life Insurance Company (U.S.A.) Account A (Survivorship VUL)	#	333-100597
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life)	#	333-124150
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Performance Variable Universal Life)	#	333-131299
John Hancock Life Insurance Company (U.S.A.) Account A (Protection SVUL/Accumulation SVUL)	#	333-141692
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship VULX)	#	333-148991
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VULX)	#	333-151630
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 08)	#	333-152406
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VCOLIX)	#	333-153252
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 09)	#	333-157212
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2012)	#	333-179570
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2014)	#	333-193994
John Hancock Life Insurance Company (U.S.A.) Account A (Simplified Life)	#	333-194818
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2017)	#	333-217721
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2019)	#	333-233647
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2019)	#	333-233648
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Survivorship Variable Universal Life 2020)	#	333-236446
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship Variable Universal Life 2020)	#	333-236447
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2021)	#	333-248502
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021)	#	333-254210
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2021)	#	333-254211
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021 Core)	#	333-265436
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2023)	#	333-266659
Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account N:
John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 03, Corporate VUL 04)	#	333-100567
John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 05)	#	333-126668
John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL)	#	333-152409

Variable Life Registration Statements filed for the John Hancock Life Insurance Company of New York Account B:
John Hancock Life Insurance Company of New York Account B (VUL Accumulator)	#	333-85296
John Hancock Life Insurance Company of New York Account B (VUL Protector)	#	333-88972
John Hancock Life Insurance Company of New York Account B (SPVL)	#	333-33504
John Hancock Life Insurance Company of New York Account B (Survivorship VUL)	#	333-100664
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life)	#	333-127543
John Hancock Life Insurance Company of New York Account B (Corporate VUL)	#	333-131139
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life)	#	333-131134
John Hancock Life Insurance Company of New York Account B (Majestic Performance Variable Universal Life)	#	333-132905
John Hancock Life Insurance Company of New York Account B (Protection SVUL/Accumulation SVUL)	#	333-141693
John Hancock Life Insurance Company of New York Account B (Majestic Survivorship VULX)	#	333-148992
John Hancock Life Insurance Company of New York Account B (Majestic VULX)	#	333-151631
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 08)	#	333-152407
John Hancock Life Insurance Company of New York Account B (Corporate VUL 08)	#	333-152408
John Hancock Life Insurance Company of New York Account B (Majestic VCOLIX)	#	333-153253
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 09)	#	333-157213
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2012)	#	333-179571
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2014)	#	333-193995
John Hancock Life Insurance Company of New York Account B (Simplified Life)	#	333-194819
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2017)	#	333-221236
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2019)	#	333-235396
John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Variable Universal Life 2019)	#	333-235397
John Hancock Life Insurance Company of New York Account B (Accumulation Survivorship Variable Universal Life 2020)	#	333-238712
John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Survivorship Variable Universal Life 2020)	#	333-238713

Each of said attorneys and agents shall have, and may exercise, all of the powers hereby conferred.

This Power of Attorney is intended to supersede any and all prior Power of Attorneys in connection with the above-mentioned acts and is effective March 22, 2023 and remains in effect until revoked or revised.

Signature	Title	Date
/s/ Emanuel Alves Emanuel Alves	Director	March 22, 2023

POWER OF ATTORNEY

I, Paul M. Connolly, in my capacity as a Director of John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York, do hereby constitute and appoint Tracy Lannigan, Michael A. Ramirez, and Lisa Shepard or any of them individually, my true and lawful attorneys and agents to execute, in the name of, and on behalf of, the undersigned as a member of said Board of Directors, the Registration Statements listed below filed with the Securities and Exchange Commission (“SEC”) under the Securities Act of 1933 and the Investment Company Act of 1940, and any and all amendments to the Registration Statements listed below filed with the SEC, and the undersigned hereby ratifies and confirms as his or her own act and deed all that each of said attorneys and agents shall do or cause to have done by virtue hereof.

Variable Life Registration Statements filed for the John Hancock Variable Life Account S:
John Hancock Variable Life Account S (Medallion Executive Variable Life, Medallion Executive Variable Life II, Medallion Executive Variable Life III)	#	333-164150
John Hancock Variable Life Account S (Majestic Variable Universal Life, Majestic Variable Universal Life 98)	#	333-164151
John Hancock Variable Life Account S (Variable Master Plan Plus)	#	333-164152
John Hancock Variable Life Account S (Majestic Variable COLI)	#	333-164153
John Hancock Variable Life Account S (Variable Estate Protection, Majestic Variable Estate Protection, Majestic Variable Estate Protection 98, Variable Estate Protection Plus)	#	333-164156
John Hancock Variable Life Account S (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life)	#	333-164154
John Hancock Variable Life Account S (Performance Executive Variable Life)	#	333-164155
Variable Life Registration Statements filed for the John Hancock Variable Life Account UV:
John Hancock Variable Life Account UV (Annual Premium Variable Life)	#	333-164157
John Hancock Variable Life Account UV (Flex V1)	#	333-164158
John Hancock Variable Life Account UV (Flex V2)	#	333-164159
John Hancock Variable Life Account UV (Medallion Variable Life)	#	333-164160
John Hancock Variable Life Account UV (Variable Estate Protection)	#	333-164161
John Hancock Variable Life Account UV (Variable Estate Protection Plus)	#	333-164162
John Hancock Variable Life Account UV (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life)	#	333-164164
John Hancock Variable Life Account UV (Majestic Variable Universal Life 98)	#	333-164163
John Hancock Variable Life Account UV (Majestic Variable Estate Protection 98)	#	333-164165
John Hancock Variable Life Account UV (Medallion Executive Variable Life III)	#	333-164166
John Hancock Variable Life Account UV (Medallion Variable Universal Life Plus)	#	333-164167
John Hancock Variable Life Account UV (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II)	#	333-164168
John Hancock Variable Life Account UV (Majestic Variable COLI)	#	333-164169
John Hancock Variable Life Account UV (Performance Executive Variable Life)	#	333-164170
Variable Life Registration Statements filed for the John Hancock Variable Life Account U:
John Hancock Variable Life Account U (Medallion Variable Life, Medallion Variable Universal Life Plus)	#	333-164171
John Hancock Variable Life Account U (Annual Premium Variable Life)	#	333-164172
John Hancock Variable Life Account U (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II)	#	333-164173
John Hancock Variable Life Account U (eVariable Life)	#	333-164174

Variable Life Registration Statements filed for the John Hancock Variable Life Account V:
John Hancock Variable Life Account V (Flex V1)	#	333-164175
John Hancock Variable Life Account V (Flex V2)	#	333-164176
Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account A:
John Hancock Life Insurance Company (U.S.A.) Account A (VUL Accumulator, EPVUL, Accumulation Variable Universal Life)	#	333-85284
John Hancock Life Insurance Company (U.S.A.) Account A (VUL Protector)	#	333-88748
John Hancock Life Insurance Company (U.S.A.) Account A (SPVL)	#	333-71136
John Hancock Life Insurance Company (U.S.A.) Account A (Survivorship VUL)	#	333-100597
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life)	#	333-124150
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Performance Variable Universal Life)	#	333-131299
John Hancock Life Insurance Company (U.S.A.) Account A (Protection SVUL/Accumulation SVUL)	#	333-141692
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship VULX)	#	333-148991
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VULX)	#	333-151630
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 08)	#	333-152406
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VCOLIX)	#	333-153252
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 09)	#	333-157212
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2012)	#	333-179570
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2014)	#	333-193994
John Hancock Life Insurance Company (U.S.A.) Account A (Simplified Life)	#	333-194818
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2017)	#	333-217721
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2019)	#	333-233647
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2019)	#	333-233648
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Survivorship Variable Universal Life 2020)	#	333-236446
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship Variable Universal Life 2020)	#	333-236447
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2021)	#	333-248502
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021)	#	333-254210
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2021)	#	333-254211
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021 Core)	#	333-265436
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2023)	#	333-266659
Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account N:
John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 03, Corporate VUL 04)	#	333-100567
John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 05)	#	333-126668
John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL)	#	333-152409

Variable Life Registration Statements filed for the John Hancock Life Insurance Company of New York Account B:
John Hancock Life Insurance Company of New York Account B (VUL Accumulator)	#	333-85296
John Hancock Life Insurance Company of New York Account B (VUL Protector)	#	333-88972
John Hancock Life Insurance Company of New York Account B (SPVL)	#	333-33504
John Hancock Life Insurance Company of New York Account B (Survivorship VUL)	#	333-100664
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life)	#	333-127543
John Hancock Life Insurance Company of New York Account B (Corporate VUL)	#	333-131139
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life)	#	333-131134
John Hancock Life Insurance Company of New York Account B (Majestic Performance Variable Universal Life)	#	333-132905
John Hancock Life Insurance Company of New York Account B (Protection SVUL/Accumulation SVUL)	#	333-141693
John Hancock Life Insurance Company of New York Account B (Majestic Survivorship VULX)	#	333-148992
John Hancock Life Insurance Company of New York Account B (Majestic VULX)	#	333-151631
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 08)	#	333-152407
John Hancock Life Insurance Company of New York Account B (Corporate VUL 08)	#	333-152408
John Hancock Life Insurance Company of New York Account B (Majestic VCOLIX)	#	333-153253
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 09)	#	333-157213
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2012)	#	333-179571
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2014)	#	333-193995
John Hancock Life Insurance Company of New York Account B (Simplified Life)	#	333-194819
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2017)	#	333-221236
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2019)	#	333-235396
John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Variable Universal Life 2019)	#	333-235397
John Hancock Life Insurance Company of New York Account B (Accumulation Survivorship Variable Universal Life 2020)	#	333-238712
John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Survivorship Variable Universal Life 2020)	#	333-238713

Each of said attorneys and agents shall have, and may exercise, all of the powers hereby conferred.

This Power of Attorney is intended to supersede any and all prior Power of Attorneys in connection with the above-mentioned acts and is effective March 22, 2023 and remains in effect until revoked or revised.

Signature	Title	Date
/s/ Paul M. Connolly Paul M. Connolly	Director	March 22, 2023

POWER OF ATTORNEY

I, Nora Newton Crouch, in my capacity as a Director of John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York, do hereby constitute and appoint Tracy Lannigan, Michael A. Ramirez, and Lisa Shepard or any of them individually, my true and lawful attorneys and agents to execute, in the name of, and on behalf of, the undersigned as a member of said Board of Directors, the Registration Statements listed below filed with the Securities and Exchange Commission (“SEC”) under the Securities Act of 1933 and the Investment Company Act of 1940, and any and all amendments to the Registration Statements listed below filed with the SEC, and the undersigned hereby ratifies and confirms as his or her own act and deed all that each of said attorneys and agents shall do or cause to have done by virtue hereof.

Variable Life Registration Statements filed for the John Hancock Variable Life Account S:
John Hancock Variable Life Account S (Medallion Executive Variable Life, Medallion Executive Variable Life II, Medallion Executive Variable Life III)	#	333-164150
John Hancock Variable Life Account S (Majestic Variable Universal Life, Majestic Variable Universal Life 98)	#	333-164151
John Hancock Variable Life Account S (Variable Master Plan Plus)	#	333-164152
John Hancock Variable Life Account S (Majestic Variable COLI)	#	333-164153
John Hancock Variable Life Account S (Variable Estate Protection, Majestic Variable Estate Protection, Majestic Variable Estate Protection 98, Variable Estate Protection Plus)	#	333-164156
John Hancock Variable Life Account S (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life)	#	333-164154
John Hancock Variable Life Account S (Performance Executive Variable Life)	#	333-164155
Variable Life Registration Statements filed for the John Hancock Variable Life Account UV:
John Hancock Variable Life Account UV (Annual Premium Variable Life)	#	333-164157
John Hancock Variable Life Account UV (Flex V1)	#	333-164158
John Hancock Variable Life Account UV (Flex V2)	#	333-164159
John Hancock Variable Life Account UV (Medallion Variable Life)	#	333-164160
John Hancock Variable Life Account UV (Variable Estate Protection)	#	333-164161
John Hancock Variable Life Account UV (Variable Estate Protection Plus)	#	333-164162
John Hancock Variable Life Account UV (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life)	#	333-164164
John Hancock Variable Life Account UV (Majestic Variable Universal Life 98)	#	333-164163
John Hancock Variable Life Account UV (Majestic Variable Estate Protection 98)	#	333-164165
John Hancock Variable Life Account UV (Medallion Executive Variable Life III)	#	333-164166
John Hancock Variable Life Account UV (Medallion Variable Universal Life Plus)	#	333-164167
John Hancock Variable Life Account UV (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II)	#	333-164168
John Hancock Variable Life Account UV (Majestic Variable COLI)	#	333-164169
John Hancock Variable Life Account UV (Performance Executive Variable Life)	#	333-164170
Variable Life Registration Statements filed for the John Hancock Variable Life Account U:
John Hancock Variable Life Account U (Medallion Variable Life, Medallion Variable Universal Life Plus)	#	333-164171
John Hancock Variable Life Account U (Annual Premium Variable Life)	#	333-164172
John Hancock Variable Life Account U (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II)	#	333-164173
John Hancock Variable Life Account U (eVariable Life)	#	333-164174

Variable Life Registration Statements filed for the John Hancock Variable Life Account V:
John Hancock Variable Life Account V (Flex V1)	#	333-164175
John Hancock Variable Life Account V (Flex V2)	#	333-164176
Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account A:
John Hancock Life Insurance Company (U.S.A.) Account A (VUL Accumulator, EPVUL, Accumulation Variable Universal Life)	#	333-85284
John Hancock Life Insurance Company (U.S.A.) Account A (VUL Protector)	#	333-88748
John Hancock Life Insurance Company (U.S.A.) Account A (SPVL)	#	333-71136
John Hancock Life Insurance Company (U.S.A.) Account A (Survivorship VUL)	#	333-100597
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life)	#	333-124150
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Performance Variable Universal Life)	#	333-131299
John Hancock Life Insurance Company (U.S.A.) Account A (Protection SVUL/Accumulation SVUL)	#	333-141692
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship VULX)	#	333-148991
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VULX)	#	333-151630
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 08)	#	333-152406
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VCOLIX)	#	333-153252
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 09)	#	333-157212
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2012)	#	333-179570
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2014)	#	333-193994
John Hancock Life Insurance Company (U.S.A.) Account A (Simplified Life)	#	333-194818
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2017)	#	333-217721
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2019)	#	333-233647
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2019)	#	333-233648
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Survivorship Variable Universal Life 2020)	#	333-236446
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship Variable Universal Life 2020)	#	333-236447
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2021)	#	333-248502
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021)	#	333-254210
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2021)	#	333-254211
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021 Core)	#	333-265436
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2023)	#	333-266659
Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account N:
John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 03, Corporate VUL 04)	#	333-100567
John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 05)	#	333-126668
John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL)	#	333-152409

Variable Life Registration Statements filed for the John Hancock Life Insurance Company of New York Account B:
John Hancock Life Insurance Company of New York Account B (VUL Accumulator)	#	333-85296
John Hancock Life Insurance Company of New York Account B (VUL Protector)	#	333-88972
John Hancock Life Insurance Company of New York Account B (SPVL)	#	333-33504
John Hancock Life Insurance Company of New York Account B (Survivorship VUL)	#	333-100664
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life)	#	333-127543
John Hancock Life Insurance Company of New York Account B (Corporate VUL)	#	333-131139
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life)	#	333-131134
John Hancock Life Insurance Company of New York Account B (Majestic Performance Variable Universal Life)	#	333-132905
John Hancock Life Insurance Company of New York Account B (Protection SVUL/Accumulation SVUL)	#	333-141693
John Hancock Life Insurance Company of New York Account B (Majestic Survivorship VULX)	#	333-148992
John Hancock Life Insurance Company of New York Account B (Majestic VULX)	#	333-151631
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 08)	#	333-152407
John Hancock Life Insurance Company of New York Account B (Corporate VUL 08)	#	333-152408
John Hancock Life Insurance Company of New York Account B (Majestic VCOLIX)	#	333-153253
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 09)	#	333-157213
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2012)	#	333-179571
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2014)	#	333-193995
John Hancock Life Insurance Company of New York Account B (Simplified Life)	#	333-194819
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2017)	#	333-221236
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2019)	#	333-235396
John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Variable Universal Life 2019)	#	333-235397
John Hancock Life Insurance Company of New York Account B (Accumulation Survivorship Variable Universal Life 2020)	#	333-238712
John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Survivorship Variable Universal Life 2020)	#	333-238713

Each of said attorneys and agents shall have, and may exercise, all of the powers hereby conferred.

This Power of Attorney is intended to supersede any and all prior Power of Attorneys in connection with the above-mentioned acts and is effective March 22, 2023 and remains in effect until revoked or revised.

Signature	Title	Date
/s/ Nora Newton Crouch Nora Newton Crouch	Director	March 22, 2023

POWER OF ATTORNEY

I, Thomas Edward Hampton, in my capacity as a Director of John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York, do hereby constitute and appoint Tracy Lannigan, Michael A. Ramirez, and Lisa Shepard or any of them individually, my true and lawful attorneys and agents to execute, in the name of, and on behalf of, the undersigned as a member of said Board of Directors, the Registration Statements listed below filed with the Securities and Exchange Commission (“SEC”) under the Securities Act of 1933 and the Investment Company Act of 1940, and any and all amendments to the Registration Statements listed below filed with the SEC, and the undersigned hereby ratifies and confirms as his or her own act and deed all that each of said attorneys and agents shall do or cause to have done by virtue hereof.

Variable Life Registration Statements filed for the John Hancock Variable Life Account S:
John Hancock Variable Life Account S (Medallion Executive Variable Life, Medallion Executive Variable Life II, Medallion Executive Variable Life III)	#	333-164150
John Hancock Variable Life Account S (Majestic Variable Universal Life, Majestic Variable Universal Life 98)	#	333-164151
John Hancock Variable Life Account S (Variable Master Plan Plus)	#	333-164152
John Hancock Variable Life Account S (Majestic Variable COLI)	#	333-164153
John Hancock Variable Life Account S (Variable Estate Protection, Majestic Variable Estate Protection, Majestic Variable Estate Protection 98, Variable Estate Protection Plus)	#	333-164156
John Hancock Variable Life Account S (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life)	#	333-164154
John Hancock Variable Life Account S (Performance Executive Variable Life)	#	333-164155
Variable Life Registration Statements filed for the John Hancock Variable Life Account UV:
John Hancock Variable Life Account UV (Annual Premium Variable Life)	#	333-164157
John Hancock Variable Life Account UV (Flex V1)	#	333-164158
John Hancock Variable Life Account UV (Flex V2)	#	333-164159
John Hancock Variable Life Account UV (Medallion Variable Life)	#	333-164160
John Hancock Variable Life Account UV (Variable Estate Protection)	#	333-164161
John Hancock Variable Life Account UV (Variable Estate Protection Plus)	#	333-164162
John Hancock Variable Life Account UV (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life)	#	333-164164
John Hancock Variable Life Account UV (Majestic Variable Universal Life 98)	#	333-164163
John Hancock Variable Life Account UV (Majestic Variable Estate Protection 98)	#	333-164165
John Hancock Variable Life Account UV (Medallion Executive Variable Life III)	#	333-164166
John Hancock Variable Life Account UV (Medallion Variable Universal Life Plus)	#	333-164167
John Hancock Variable Life Account UV (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II)	#	333-164168
John Hancock Variable Life Account UV (Majestic Variable COLI)	#	333-164169
John Hancock Variable Life Account UV (Performance Executive Variable Life)	#	333-164170
Variable Life Registration Statements filed for the John Hancock Variable Life Account U:
John Hancock Variable Life Account U (Medallion Variable Life, Medallion Variable Universal Life Plus)	#	333-164171
John Hancock Variable Life Account U (Annual Premium Variable Life)	#	333-164172
John Hancock Variable Life Account U (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II)	#	333-164173
John Hancock Variable Life Account U (eVariable Life)	#	333-164174

Variable Life Registration Statements filed for the John Hancock Variable Life Account V:
John Hancock Variable Life Account V (Flex V1)	#	333-164175
John Hancock Variable Life Account V (Flex V2)	#	333-164176
Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account A:
John Hancock Life Insurance Company (U.S.A.) Account A (VUL Accumulator, EPVUL, Accumulation Variable Universal Life)	#	333-85284
John Hancock Life Insurance Company (U.S.A.) Account A (VUL Protector)	#	333-88748
John Hancock Life Insurance Company (U.S.A.) Account A (SPVL)	#	333-71136
John Hancock Life Insurance Company (U.S.A.) Account A (Survivorship VUL)	#	333-100597
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life)	#	333-124150
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Performance Variable Universal Life)	#	333-131299
John Hancock Life Insurance Company (U.S.A.) Account A (Protection SVUL/Accumulation SVUL)	#	333-141692
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship VULX)	#	333-148991
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VULX)	#	333-151630
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 08)	#	333-152406
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VCOLIX)	#	333-153252
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 09)	#	333-157212
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2012)	#	333-179570
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2014)	#	333-193994
John Hancock Life Insurance Company (U.S.A.) Account A (Simplified Life)	#	333-194818
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2017)	#	333-217721
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2019)	#	333-233647
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2019)	#	333-233648
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Survivorship Variable Universal Life 2020)	#	333-236446
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship Variable Universal Life 2020)	#	333-236447
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2021)	#	333-248502
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021)	#	333-254210
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2021)	#	333-254211
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021 Core)	#	333-265436
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2023)	#	333-266659
Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account N:
John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 03, Corporate VUL 04)	#	333-100567
John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 05)	#	333-126668
John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL)	#	333-152409

Variable Life Registration Statements filed for the John Hancock Life Insurance Company of New York Account B:
John Hancock Life Insurance Company of New York Account B (VUL Accumulator)	#	333-85296
John Hancock Life Insurance Company of New York Account B (VUL Protector)	#	333-88972
John Hancock Life Insurance Company of New York Account B (SPVL)	#	333-33504
John Hancock Life Insurance Company of New York Account B (Survivorship VUL)	#	333-100664
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life)	#	333-127543
John Hancock Life Insurance Company of New York Account B (Corporate VUL)	#	333-131139
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life)	#	333-131134
John Hancock Life Insurance Company of New York Account B (Majestic Performance Variable Universal Life)	#	333-132905
John Hancock Life Insurance Company of New York Account B (Protection SVUL/Accumulation SVUL)	#	333-141693
John Hancock Life Insurance Company of New York Account B (Majestic Survivorship VULX)	#	333-148992
John Hancock Life Insurance Company of New York Account B (Majestic VULX)	#	333-151631
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 08)	#	333-152407
John Hancock Life Insurance Company of New York Account B (Corporate VUL 08)	#	333-152408
John Hancock Life Insurance Company of New York Account B (Majestic VCOLIX)	#	333-153253
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 09)	#	333-157213
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2012)	#	333-179571
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2014)	#	333-193995
John Hancock Life Insurance Company of New York Account B (Simplified Life)	#	333-194819
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2017)	#	333-221236
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2019)	#	333-235396
John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Variable Universal Life 2019)	#	333-235397
John Hancock Life Insurance Company of New York Account B (Accumulation Survivorship Variable Universal Life 2020)	#	333-238712
John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Survivorship Variable Universal Life 2020)	#	333-238713

Each of said attorneys and agents shall have, and may exercise, all of the powers hereby conferred.

This Power of Attorney is intended to supersede any and all prior Power of Attorneys in connection with the above-mentioned acts and is effective March 22, 2023 and remains in effect until revoked or revised.

Signature	Title	Date
/s/ Thomas Edward Hampton Thomas Edward Hampton	Director	March 22, 2023

POWER OF ATTORNEY

I, J. Stephanie Nam, in my capacity as a Director of John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York, do hereby constitute and appoint Tracy Lannigan, Michael A. Ramirez, and Lisa Shepard or any of them individually, my true and lawful attorneys and agents to execute, in the name of, and on behalf of, the undersigned as a member of said Board of Directors, the Registration Statements listed below filed with the Securities and Exchange Commission (“SEC”) under the Securities Act of 1933 and the Investment Company Act of 1940, and any and all amendments to the Registration Statements listed below filed with the SEC, and the undersigned hereby ratifies and confirms as his or her own act and deed all that each of said attorneys and agents shall do or cause to have done by virtue hereof.

Variable Life Registration Statements filed for the John Hancock Variable Life Account S:

John Hancock Variable Life Account S (Medallion Executive Variable Life, Medallion Executive Variable Life II, Medallion Executive Variable Life III)	#	333-164150
John Hancock Variable Life Account S (Majestic Variable Universal Life, Majestic Variable Universal Life 98)	#	333-164151
John Hancock Variable Life Account S (Variable Master Plan Plus)	#	333-164152
John Hancock Variable Life Account S (Majestic Variable COLI)	#	333-164153
John Hancock Variable Life Account S (Variable Estate Protection, Majestic Variable Estate Protection, Majestic Variable Estate Protection 98, Variable Estate Protection Plus)	#	333-164156
John Hancock Variable Life Account S (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life)	#	333-164154
John Hancock Variable Life Account S (Performance Executive Variable Life)	#	333-164155
Variable Life Registration Statements filed for the John Hancock Variable Life Account UV:
John Hancock Variable Life Account UV (Annual Premium Variable Life)	#	333-164157
John Hancock Variable Life Account UV (Flex V1)	#	333-164158
John Hancock Variable Life Account UV (Flex V2)	#	333-164159
John Hancock Variable Life Account UV (Medallion Variable Life)	#	333-164160
John Hancock Variable Life Account UV (Variable Estate Protection)	#	333-164161
John Hancock Variable Life Account UV (Variable Estate Protection Plus)	#	333-164162
John Hancock Variable Life Account UV (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life)	#	333-164164
John Hancock Variable Life Account UV (Majestic Variable Universal Life 98)	#	333-164163
John Hancock Variable Life Account UV (Majestic Variable Estate Protection 98)	#	333-164165
John Hancock Variable Life Account UV (Medallion Executive Variable Life III)	#	333-164166
John Hancock Variable Life Account UV (Medallion Variable Universal Life Plus)	#	333-164167
John Hancock Variable Life Account UV (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II)	#	333-164168
John Hancock Variable Life Account UV (Majestic Variable COLI)	#	333-164169
John Hancock Variable Life Account UV (Performance Executive Variable Life)	#	333-164170
Variable Life Registration Statements filed for the John Hancock Variable Life Account U:
John Hancock Variable Life Account U (Medallion Variable Life, Medallion Variable Universal Life Plus)	#	333-164171
John Hancock Variable Life Account U (Annual Premium Variable Life)	#	333-164172
John Hancock Variable Life Account U (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II)	#	333-164173
John Hancock Variable Life Account U (eVariable Life)	#	333-164174

Variable Life Registration Statements filed for the John Hancock Variable Life Account V:

John Hancock Variable Life Account V (Flex V1)	#	333-164175
John Hancock Variable Life Account V (Flex V2)	#	333-164176
Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account A:
John Hancock Life Insurance Company (U.S.A.) Account A (VUL Accumulator, EPVUL, Accumulation Variable Universal Life)	#	333-85284
John Hancock Life Insurance Company (U.S.A.) Account A (VUL Protector)	#	333-88748
John Hancock Life Insurance Company (U.S.A.) Account A (SPVL)	#	333-71136
John Hancock Life Insurance Company (U.S.A.) Account A (Survivorship VUL)	#	333-100597
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life)	#	333-124150
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Performance Variable Universal Life)	#	333-131299
John Hancock Life Insurance Company (U.S.A.) Account A (Protection SVUL/Accumulation SVUL)	#	333-141692
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship VULX)	#	333-148991
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VULX)	#	333-151630
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 08)	#	333-152406
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VCOLIX)	#	333-153252
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 09)	#	333-157212
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2012)	#	333-179570
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2014)	#	333-193994
John Hancock Life Insurance Company (U.S.A.) Account A (Simplified Life)	#	333-194818
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2017)	#	333-217721
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2019)	#	333-233647
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2019)	#	333-233648
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Survivorship Variable Universal Life 2020)	#	333-236446
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship Variable Universal Life 2020)	#	333-236447
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2021)	#	333-248502
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021)	#	333-254210
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2021)	#	333-254211
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021 Core)	#	333-265436
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2023)	#	333-266659
Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account N:
John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 03, Corporate VUL 04)	#	333-100567
John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 05)	#	333-126668
John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL)	#	333-152409

Variable Life Registration Statements filed for the John Hancock Life Insurance Company of New York Account B:
John Hancock Life Insurance Company of New York Account B (VUL Accumulator)	#	333-85296
John Hancock Life Insurance Company of New York Account B (VUL Protector)	#	333-88972
John Hancock Life Insurance Company of New York Account B (SPVL)	#	333-33504
John Hancock Life Insurance Company of New York Account B (Survivorship VUL)	#	333-100664
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life)	#	333-127543
John Hancock Life Insurance Company of New York Account B (Corporate VUL)	#	333-131139
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life)	#	333-131134
John Hancock Life Insurance Company of New York Account B (Majestic Performance Variable Universal Life)	#	333-132905
John Hancock Life Insurance Company of New York Account B (Protection SVUL/Accumulation SVUL)	#	333-141693
John Hancock Life Insurance Company of New York Account B (Majestic Survivorship VULX)	#	333-148992
John Hancock Life Insurance Company of New York Account B (Majestic VULX)	#	333-151631
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 08)	#	333-152407
John Hancock Life Insurance Company of New York Account B (Corporate VUL 08)	#	333-152408
John Hancock Life Insurance Company of New York Account B (Majestic VCOLIX)	#	333-153253
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 09)	#	333-157213
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2012)	#	333-179571
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2014)	#	333-193995
John Hancock Life Insurance Company of New York Account B (Simplified Life)	#	333-194819
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2017)	#	333-221236
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2019)	#	333-235396
John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Variable Universal Life 2019)	#	333-235397
John Hancock Life Insurance Company of New York Account B (Accumulation Survivorship Variable Universal Life 2020)	#	333-238712
John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Survivorship Variable Universal Life 2020)	#	333-238713

Each of said attorneys and agents shall have, and may exercise, all of the powers hereby conferred.

This Power of Attorney is intended to supersede any and all prior Power of Attorneys in connection with the above-mentioned acts and is effective March 22, 2023 and remains in effect until revoked or revised.

Signature	Title	Date
/s/ J. Stephanie Nam J. Stephanie Nam	Director	March 22, 2023

POWER OF ATTORNEY

I, Ken Ross, in my capacity as a Director of John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York, do hereby constitute and appoint Tracy Lannigan, Michael A. Ramirez, and Lisa Shepard or any of them individually, my true and lawful attorneys and agents to execute, in the name of, and on behalf of, the undersigned as a member of said Board of Directors, the Registration Statements listed below filed with the Securities and Exchange Commission (“SEC”) under the Securities Act of 1933 and the Investment Company Act of 1940, and any and all amendments to the Registration Statements listed below filed with the SEC, and the undersigned hereby ratifies and confirms as his or her own act and deed all that each of said attorneys and agents shall do or cause to have done by virtue hereof.

Variable Life Registration Statements filed for the John Hancock Variable Life Account S:
John Hancock Variable Life Account S (Medallion Executive Variable Life, Medallion Executive Variable Life II, Medallion Executive Variable Life III)	#	333-164150
John Hancock Variable Life Account S (Majestic Variable Universal Life, Majestic Variable Universal Life 98)	#	333-164151
John Hancock Variable Life Account S (Variable Master Plan Plus)	#	333-164152
John Hancock Variable Life Account S (Majestic Variable COLI)	#	333-164153
John Hancock Variable Life Account S (Variable Estate Protection, Majestic Variable Estate Protection, Majestic Variable Estate Protection 98, Variable Estate Protection Plus)	#	333-164156
John Hancock Variable Life Account S (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life)	#	333-164154
John Hancock Variable Life Account S (Performance Executive Variable Life)	#	333-164155
Variable Life Registration Statements filed for the John Hancock Variable Life Account UV:
John Hancock Variable Life Account UV (Annual Premium Variable Life)	#	333-164157
John Hancock Variable Life Account UV (Flex V1)	#	333-164158
John Hancock Variable Life Account UV (Flex V2)	#	333-164159
John Hancock Variable Life Account UV (Medallion Variable Life)	#	333-164160
John Hancock Variable Life Account UV (Variable Estate Protection)	#	333-164161
John Hancock Variable Life Account UV (Variable Estate Protection Plus)	#	333-164162
John Hancock Variable Life Account UV (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life)	#	333-164164
John Hancock Variable Life Account UV (Majestic Variable Universal Life 98)	#	333-164163
John Hancock Variable Life Account UV (Majestic Variable Estate Protection 98)	#	333-164165
John Hancock Variable Life Account UV (Medallion Executive Variable Life III)	#	333-164166
John Hancock Variable Life Account UV (Medallion Variable Universal Life Plus)	#	333-164167
John Hancock Variable Life Account UV (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II)	#	333-164168
John Hancock Variable Life Account UV (Majestic Variable COLI)	#	333-164169
John Hancock Variable Life Account UV (Performance Executive Variable Life)	#	333-164170
Variable Life Registration Statements filed for the John Hancock Variable Life Account U:
John Hancock Variable Life Account U (Medallion Variable Life, Medallion Variable Universal Life Plus)	#	333-164171
John Hancock Variable Life Account U (Annual Premium Variable Life)	#	333-164172
John Hancock Variable Life Account U (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II)	#	333-164173
John Hancock Variable Life Account U (eVariable Life)	#	333-164174

Variable Life Registration Statements filed for the John Hancock Variable Life Account V:
John Hancock Variable Life Account V (Flex V1)	#	333-164175
John Hancock Variable Life Account V (Flex V2)	#	333-164176
Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account A:
John Hancock Life Insurance Company (U.S.A.) Account A (VUL Accumulator, EPVUL, Accumulation Variable Universal Life)	#	333-85284
John Hancock Life Insurance Company (U.S.A.) Account A (VUL Protector)	#	333-88748
John Hancock Life Insurance Company (U.S.A.) Account A (SPVL)	#	333-71136
John Hancock Life Insurance Company (U.S.A.) Account A (Survivorship VUL)	#	333-100597
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life)	#	333-124150
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Performance Variable Universal Life)	#	333-131299
John Hancock Life Insurance Company (U.S.A.) Account A (Protection SVUL/Accumulation SVUL)	#	333-141692
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship VULX)	#	333-148991
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VULX)	#	333-151630
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 08)	#	333-152406
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VCOLIX)	#	333-153252
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 09)	#	333-157212
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2012)	#	333-179570
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2014)	#	333-193994
John Hancock Life Insurance Company (U.S.A.) Account A (Simplified Life)	#	333-194818
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2017)	#	333-217721
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2019)	#	333-233647
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2019)	#	333-233648
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Survivorship Variable Universal Life 2020)	#	333-236446
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship Variable Universal Life 2020)	#	333-236447
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2021)	#	333-248502
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021)	#	333-254210
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2021)	#	333-254211
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021 Core)	#	333-265436
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2023)	#	333-266659
Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account N:
John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 03, Corporate VUL 04)	#	333-100567
John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 05)	#	333-126668
John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL)	#	333-152409

Variable Life Registration Statements filed for the John Hancock Life Insurance Company of New York Account B:
John Hancock Life Insurance Company of New York Account B (VUL Accumulator)	#	333-85296
John Hancock Life Insurance Company of New York Account B (VUL Protector)	#	333-88972
John Hancock Life Insurance Company of New York Account B (SPVL)	#	333-33504
John Hancock Life Insurance Company of New York Account B (Survivorship VUL)	#	333-100664
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life)	#	333-127543
John Hancock Life Insurance Company of New York Account B (Corporate VUL)	#	333-131139
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life)	#	333-131134
John Hancock Life Insurance Company of New York Account B (Majestic Performance Variable Universal Life)	#	333-132905
John Hancock Life Insurance Company of New York Account B (Protection SVUL/Accumulation SVUL)	#	333-141693
John Hancock Life Insurance Company of New York Account B (Majestic Survivorship VULX)	#	333-148992
John Hancock Life Insurance Company of New York Account B (Majestic VULX)	#	333-151631
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 08)	#	333-152407
John Hancock Life Insurance Company of New York Account B (Corporate VUL 08)	#	333-152408
John Hancock Life Insurance Company of New York Account B (Majestic VCOLIX)	#	333-153253
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 09)	#	333-157213
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2012)	#	333-179571
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2014)	#	333-193995
John Hancock Life Insurance Company of New York Account B (Simplified Life)	#	333-194819
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2017)	#	333-221236
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2019)	#	333-235396
John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Variable Universal Life 2019)	#	333-235397
John Hancock Life Insurance Company of New York Account B (Accumulation Survivorship Variable Universal Life 2020)	#	333-238712
John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Survivorship Variable Universal Life 2020)	#	333-238713

Each of said attorneys and agents shall have, and may exercise, all of the powers hereby conferred.

This Power of Attorney is intended to supersede any and all prior Power of Attorneys in connection with the above-mentioned acts and is effective March 22, 2023 and remains in effect until revoked or revised.

Signature	Title	Date
/s/ Ken Ross Ken Ross	Director	March 22, 2023

POWER OF ATTORNEY

I, Rex Schlaybaugh, Jr., in my capacity as a Director of John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York, do hereby constitute and appoint Tracy Lannigan, Michael A. Ramirez, and Lisa Shepard or any of them individually, my true and lawful attorneys and agents to execute, in the name of, and on behalf of, the undersigned as a member of said Board of Directors, the Registration Statements listed below filed with the Securities and Exchange Commission (“SEC”) under the Securities Act of 1933 and the Investment Company Act of 1940, and any and all amendments to the Registration Statements listed below filed with the SEC, and the undersigned hereby ratifies and confirms as his or her own act and deed all that each of said attorneys and agents shall do or cause to have done by virtue hereof.

Variable Life Registration Statements filed for the John Hancock Variable Life Account S:
John Hancock Variable Life Account S (Medallion Executive Variable Life, Medallion Executive Variable Life II, Medallion Executive Variable Life III)	#	333-164150
John Hancock Variable Life Account S (Majestic Variable Universal Life, Majestic Variable Universal Life 98)	#	333-164151
John Hancock Variable Life Account S (Variable Master Plan Plus)	#	333-164152
John Hancock Variable Life Account S (Majestic Variable COLI)	#	333-164153
John Hancock Variable Life Account S (Variable Estate Protection, Majestic Variable Estate Protection, Majestic Variable Estate Protection 98, Variable Estate Protection Plus)	#	333-164156
John Hancock Variable Life Account S (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life)	#	333-164154
John Hancock Variable Life Account S (Performance Executive Variable Life)	#	333-164155
Variable Life Registration Statements filed for the John Hancock Variable Life Account UV:
John Hancock Variable Life Account UV (Annual Premium Variable Life)	#	333-164157
John Hancock Variable Life Account UV (Flex V1)	#	333-164158
John Hancock Variable Life Account UV (Flex V2)	#	333-164159
John Hancock Variable Life Account UV (Medallion Variable Life)	#	333-164160
John Hancock Variable Life Account UV (Variable Estate Protection)	#	333-164161
John Hancock Variable Life Account UV (Variable Estate Protection Plus)	#	333-164162
John Hancock Variable Life Account UV (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life)	#	333-164164
John Hancock Variable Life Account UV (Majestic Variable Universal Life 98)	#	333-164163
John Hancock Variable Life Account UV (Majestic Variable Estate Protection 98)	#	333-164165
John Hancock Variable Life Account UV (Medallion Executive Variable Life III)	#	333-164166
John Hancock Variable Life Account UV (Medallion Variable Universal Life Plus)	#	333-164167
John Hancock Variable Life Account UV (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II)	#	333-164168
John Hancock Variable Life Account UV (Majestic Variable COLI)	#	333-164169
John Hancock Variable Life Account UV (Performance Executive Variable Life)	#	333-164170
Variable Life Registration Statements filed for the John Hancock Variable Life Account U:
John Hancock Variable Life Account U (Medallion Variable Life, Medallion Variable Universal Life Plus)	#	333-164171
John Hancock Variable Life Account U (Annual Premium Variable Life)	#	333-164172
John Hancock Variable Life Account U (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II)	#	333-164173
John Hancock Variable Life Account U (eVariable Life)	#	333-164174

Variable Life Registration Statements filed for the John Hancock Variable Life Account V:
John Hancock Variable Life Account V (Flex V1)	#	333-164175
John Hancock Variable Life Account V (Flex V2)	#	333-164176
Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account A:
John Hancock Life Insurance Company (U.S.A.) Account A (VUL Accumulator, EPVUL, Accumulation Variable Universal Life)	#	333-85284
John Hancock Life Insurance Company (U.S.A.) Account A (VUL Protector)	#	333-88748
John Hancock Life Insurance Company (U.S.A.) Account A (SPVL)	#	333-71136
John Hancock Life Insurance Company (U.S.A.) Account A (Survivorship VUL)	#	333-100597
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life)	#	333-124150
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Performance Variable Universal Life)	#	333-131299
John Hancock Life Insurance Company (U.S.A.) Account A (Protection SVUL/Accumulation SVUL)	#	333-141692
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship VULX)	#	333-148991
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VULX)	#	333-151630
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 08)	#	333-152406
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VCOLIX)	#	333-153252
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 09)	#	333-157212
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2012)	#	333-179570
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2014)	#	333-193994
John Hancock Life Insurance Company (U.S.A.) Account A (Simplified Life)	#	333-194818
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2017)	#	333-217721
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2019)	#	333-233647
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2019)	#	333-233648
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Survivorship Variable Universal Life 2020)	#	333-236446
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship Variable Universal Life 2020)	#	333-236447
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2021)	#	333-248502
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021)	#	333-254210
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2021)	#	333-254211
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021 Core)	#	333-265436
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2023)	#	333-266659
Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account N:
John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 03, Corporate VUL 04)	#	333-100567
John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 05)	#	333-126668
John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL)	#	333-152409

Variable Life Registration Statements filed for the John Hancock Life Insurance Company of New York Account B:
John Hancock Life Insurance Company of New York Account B (VUL Accumulator)	#	333-85296
John Hancock Life Insurance Company of New York Account B (VUL Protector)	#	333-88972
John Hancock Life Insurance Company of New York Account B (SPVL)	#	333-33504
John Hancock Life Insurance Company of New York Account B (Survivorship VUL)	#	333-100664
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life)	#	333-127543
John Hancock Life Insurance Company of New York Account B (Corporate VUL)	#	333-131139
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life)	#	333-131134
John Hancock Life Insurance Company of New York Account B (Majestic Performance Variable Universal Life)	#	333-132905
John Hancock Life Insurance Company of New York Account B (Protection SVUL/Accumulation SVUL)	#	333-141693
John Hancock Life Insurance Company of New York Account B (Majestic Survivorship VULX)	#	333-148992
John Hancock Life Insurance Company of New York Account B (Majestic VULX)	#	333-151631
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 08)	#	333-152407
John Hancock Life Insurance Company of New York Account B (Corporate VUL 08)	#	333-152408
John Hancock Life Insurance Company of New York Account B (Majestic VCOLIX)	#	333-153253
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 09)	#	333-157213
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2012)	#	333-179571
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2014)	#	333-193995
John Hancock Life Insurance Company of New York Account B (Simplified Life)	#	333-194819
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2017)	#	333-221236
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2019)	#	333-235396
John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Variable Universal Life 2019)	#	333-235397
John Hancock Life Insurance Company of New York Account B (Accumulation Survivorship Variable Universal Life 2020)	#	333-238712
John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Survivorship Variable Universal Life 2020)	#	333-238713

Each of said attorneys and agents shall have, and may exercise, all of the powers hereby conferred.

This Power of Attorney is intended to supersede any and all prior Power of Attorneys in connection with the above-mentioned acts and is effective March 22, 2023 and remains in effect until revoked or revised.

Signature	Title	Date
/s/ Rex Schlaybaugh, Jr. Rex Schlaybaugh, Jr.	Director	March 22, 2023

POWER OF ATTORNEY

I, Colin Simpson, in my capacity as Chief Financial Officer of John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York, do hereby constitute and appoint Tracy Lannigan, Michael A. Ramirez, and Lisa Shepard or any of them individually, my true and lawful attorneys and agents to execute, in the name of, and on behalf of, the undersigned as a member of said Board of Directors, the Registration Statements listed below filed with the Securities and Exchange Commission (“SEC”) under the Securities Act of 1933 and the Investment Company Act of 1940, and any and all amendments to the Registration Statements listed below filed with the SEC, and the undersigned hereby ratifies and confirms as his or her own act and deed all that each of said attorneys and agents shall do or cause to have done by virtue hereof.

Variable Life Registration Statements filed for the John Hancock Variable Life Account S:
John Hancock Variable Life Account S (Medallion Executive Variable Life, Medallion Executive Variable Life II, Medallion Executive Variable Life III)	#	333-164150
John Hancock Variable Life Account S (Majestic Variable Universal Life, Majestic Variable Universal Life 98)	#	333-164151
John Hancock Variable Life Account S (Variable Master Plan Plus)	#	333-164152
John Hancock Variable Life Account S (Majestic Variable COLI)	#	333-164153
John Hancock Variable Life Account S (Variable Estate Protection, Majestic Variable Estate Protection, Majestic Variable Estate Protection 98, Variable Estate Protection Plus)	#	333-164156
John Hancock Variable Life Account S (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life)	#	333-164154
John Hancock Variable Life Account S (Performance Executive Variable Life)	#	333-164155
Variable Life Registration Statements filed for the John Hancock Variable Life Account UV:
John Hancock Variable Life Account UV (Annual Premium Variable Life)	#	333-164157
John Hancock Variable Life Account UV (Flex V1)	#	333-164158
John Hancock Variable Life Account UV (Flex V2)	#	333-164159
John Hancock Variable Life Account UV (Medallion Variable Life)	#	333-164160
John Hancock Variable Life Account UV (Variable Estate Protection)	#	333-164161
John Hancock Variable Life Account UV (Variable Estate Protection Plus)	#	333-164162
John Hancock Variable Life Account UV (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life)	#	333-164164
John Hancock Variable Life Account UV (Majestic Variable Universal Life 98)	#	333-164163
John Hancock Variable Life Account UV (Majestic Variable Estate Protection 98)	#	333-164165
John Hancock Variable Life Account UV (Medallion Executive Variable Life III)	#	333-164166
John Hancock Variable Life Account UV (Medallion Variable Universal Life Plus)	#	333-164167
John Hancock Variable Life Account UV (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II)	#	333-164168
John Hancock Variable Life Account UV (Majestic Variable COLI)	#	333-164169
John Hancock Variable Life Account UV (Performance Executive Variable Life)	#	333-164170
Variable Life Registration Statements filed for the John Hancock Variable Life Account U:
John Hancock Variable Life Account U (Medallion Variable Life, Medallion Variable Universal Life Plus)	#	333-164171
John Hancock Variable Life Account U (Annual Premium Variable Life)	#	333-164172
John Hancock Variable Life Account U (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II)	#	333-164173
John Hancock Variable Life Account U (eVariable Life)	#	333-164174

Variable Life Registration Statements filed for the John Hancock Variable Life Account V:
John Hancock Variable Life Account V (Flex V1)	#	333-164175
John Hancock Variable Life Account V (Flex V2)	#	333-164176
Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account A:
John Hancock Life Insurance Company (U.S.A.) Account A (VUL Accumulator, EPVUL, Accumulation Variable Universal Life)	#	333-85284
John Hancock Life Insurance Company (U.S.A.) Account A (VUL Protector)	#	333-88748
John Hancock Life Insurance Company (U.S.A.) Account A (SPVL)	#	333-71136
John Hancock Life Insurance Company (U.S.A.) Account A (Survivorship VUL)	#	333-100597
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life)	#	333-124150
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Performance Variable Universal Life)	#	333-131299
John Hancock Life Insurance Company (U.S.A.) Account A (Protection SVUL/Accumulation SVUL)	#	333-141692
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship VULX)	#	333-148991
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VULX)	#	333-151630
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 08)	#	333-152406
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VCOLIX)	#	333-153252
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 09)	#	333-157212
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2012)	#	333-179570
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2014)	#	333-193994
John Hancock Life Insurance Company (U.S.A.) Account A (Simplified Life)	#	333-194818
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2017)	#	333-217721
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2019)	#	333-233647
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2019)	#	333-233648
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Survivorship Variable Universal Life 2020)	#	333-236446
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship Variable Universal Life 2020)	#	333-236447
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2021)	#	333-248502
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021)	#	333-254210
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2021)	#	333-254211
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021 Core)	#	333-265436
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2023)	#	333-266659
Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account N:
John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 03, Corporate VUL 04)	#	333-100567
John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 05)	#	333-126668
John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL)	#	333-152409

Variable Life Registration Statements filed for the John Hancock Life Insurance Company of New York Account B:
John Hancock Life Insurance Company of New York Account B (VUL Accumulator)	#	333-85296
John Hancock Life Insurance Company of New York Account B (VUL Protector)	#	333-88972
John Hancock Life Insurance Company of New York Account B (SPVL)	#	333-33504
John Hancock Life Insurance Company of New York Account B (Survivorship VUL)	#	333-100664
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life)	#	333-127543
John Hancock Life Insurance Company of New York Account B (Corporate VUL)	#	333-131139
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life)	#	333-131134
John Hancock Life Insurance Company of New York Account B (Majestic Performance Variable Universal Life)	#	333-132905
John Hancock Life Insurance Company of New York Account B (Protection SVUL/Accumulation SVUL)	#	333-141693
John Hancock Life Insurance Company of New York Account B (Majestic Survivorship VULX)	#	333-148992
John Hancock Life Insurance Company of New York Account B (Majestic VULX)	#	333-151631
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 08)	#	333-152407
John Hancock Life Insurance Company of New York Account B (Corporate VUL 08)	#	333-152408
John Hancock Life Insurance Company of New York Account B (Majestic VCOLIX)	#	333-153253
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 09)	#	333-157213
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2012)	#	333-179571
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2014)	#	333-193995
John Hancock Life Insurance Company of New York Account B (Simplified Life)	#	333-194819
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2017)	#	333-221236
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2019)	#	333-235396
John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Variable Universal Life 2019)	#	333-235397
John Hancock Life Insurance Company of New York Account B (Accumulation Survivorship Variable Universal Life 2020)	#	333-238712
John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Survivorship Variable Universal Life 2020)	#	333-238713

Each of said attorneys and agents shall have, and may exercise, all of the powers hereby conferred.

This Power of Attorney is intended to supersede any and all prior Power of Attorneys in connection with the above-mentioned acts and is effective March 28, 2023 and remains in effect until revoked or revised.

Signature	Title	Date
/s/ Colin Simpson Colin Simpson	Chief Financial Officer	March 28, 2023

POWER OF ATTORNEY

I, Brooks Tingle, in my capacity as Director, Chair, President, and Chief Executive Officer of John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York, do hereby constitute and appoint Tracy Lannigan, Michael A. Ramirez, and Lisa Shepard or any of them individually, my true and lawful attorneys and agents to execute, in the name of, and on behalf of, the undersigned as a member of said Board of Directors, the Registration Statements listed below filed with the Securities and Exchange Commission (“SEC”) under the Securities Act of 1933 and the Investment Company Act of 1940, and any and all amendments to the Registration Statements listed below filed with the SEC, and the undersigned hereby ratifies and confirms as his or her own act and deed all that each of said attorneys and agents shall do or cause to have done by virtue hereof.

Variable Life Registration Statements filed for the John Hancock Variable Life Account S:
John Hancock Variable Life Account S (Medallion Executive Variable Life, Medallion Executive	#	333-164150
Variable Life II, Medallion Executive Variable Life III)
John Hancock Variable Life Account S (Majestic Variable Universal Life, Majestic Variable Universal Life 98)	#	333-164151
John Hancock Variable Life Account S (Variable Master Plan Plus)	#	333-164152
John Hancock Variable Life Account S (Majestic Variable COLI)	#	333-164153
John Hancock Variable Life Account S (Variable Estate Protection, Majestic Variable Estate	#	333-164156
Protection, Majestic Variable Estate Protection 98, Variable Estate Protection Plus)
John Hancock Variable Life Account S (Variable Estate Protection Edge, Performance Survivorship	#	333-164154
Variable Universal Life, Majestic Performance Survivorship Variable Universal Life)
John Hancock Variable Life Account S (Performance Executive Variable Life)	#	333-164155
Variable Life Registration Statements filed for the John Hancock Variable Life Account UV:
John Hancock Variable Life Account UV (Annual Premium Variable Life)	#	333-164157
John Hancock Variable Life Account UV (Flex V1)	#	333-164158
John Hancock Variable Life Account UV (Flex V2)	#	333-164159
John Hancock Variable Life Account UV (Medallion Variable Life)	#	333-164160
John Hancock Variable Life Account UV (Variable Estate Protection)	#	333-164161
John Hancock Variable Life Account UV (Variable Estate Protection Plus)	#	333-164162
John Hancock Variable Life Account UV (Variable Estate Protection Edge, Performance	#	333-164164
Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life)
John Hancock Variable Life Account UV (Majestic Variable Universal Life 98)	#	333-164163
John Hancock Variable Life Account UV (Majestic Variable Estate Protection 98)	#	333-164165
John Hancock Variable Life Account UV (Medallion Executive Variable Life III)	#	333-164166
John Hancock Variable Life Account UV (Medallion Variable Universal Life Plus)	#	333-164167
John Hancock Variable Life Account UV (Medallion Variable Universal Life Edge, Medallion	#	333-164168
Variable Universal Life Edge II)
John Hancock Variable Life Account UV (Majestic Variable COLI)	#	333-164169
John Hancock Variable Life Account UV (Performance Executive Variable Life)	#	333-164170
Variable Life Registration Statements filed for the John Hancock Variable Life Account U:
John Hancock Variable Life Account U (Medallion Variable Life, Medallion Variable Universal Life Plus)	#	333-164171
John Hancock Variable Life Account U (Annual Premium Variable Life)	#	333-164172
John Hancock Variable Life Account U (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II)	#	333-164173
John Hancock Variable Life Account U (eVariable Life)	#	333-164174

Variable Life Registration Statements filed for the John Hancock Variable Life Account V:
John Hancock Variable Life Account V (Flex V1)	#	333-164175
John Hancock Variable Life Account V (Flex V2)	#	333-164176
Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account A:
John Hancock Life Insurance Company (U.S.A.) Account A (VUL Accumulator, EPVUL, Accumulation Variable Universal Life)	#	333-85284
John Hancock Life Insurance Company (U.S.A.) Account A (VUL Protector)	#	333-88748
John Hancock Life Insurance Company (U.S.A.) Account A (SPVL)	#	333-71136
John Hancock Life Insurance Company (U.S.A.) Account A (Survivorship VUL)	#	333-100597
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life)	#	333-124150
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Performance Variable Universal Life)	#	333-131299
John Hancock Life Insurance Company (U.S.A.) Account A (Protection SVUL/Accumulation SVUL)	#	333-141692
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship VULX)	#	333-148991
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VULX)	#	333-151630
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 08)	#	333-152406
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VCOLIX)	#	333-153252
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 09)	#	333-157212
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2012)	#	333-179570
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2014)	#	333-193994
John Hancock Life Insurance Company (U.S.A.) Account A (Simplified Life)	#	333-194818
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2017)	#	333-217721
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2019)	#	333-233647
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2019)	#	333-233648
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Survivorship Variable Universal Life 2020)	#	333-236446
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship Variable Universal Life 2020)	#	333-236447
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2021)	#	333-248502
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021)	#	333-254210
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2021)	#	333-254211
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021 Core)	#	333-265436
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2023)	#	333-266659
Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account N:
John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 03, Corporate VUL 04)	#	333-100567
John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 05)	#	333-126668
John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL)	#	333-152409

Variable Life Registration Statements filed for the John Hancock Life Insurance Company of New York Account B:
John Hancock Life Insurance Company of New York Account B (VUL Accumulator)	#	333-85296
John Hancock Life Insurance Company of New York Account B (VUL Protector)	#	333-88972
John Hancock Life Insurance Company of New York Account B (SPVL)	#	333-33504
John Hancock Life Insurance Company of New York Account B (Survivorship VUL)	#	333-100664
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life)	#	333-127543
John Hancock Life Insurance Company of New York Account B (Corporate VUL)	#	333-131139
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life)	#	333-131134
John Hancock Life Insurance Company of New York Account B (Majestic Performance Variable Universal Life)	#	333-132905
John Hancock Life Insurance Company of New York Account B (Protection SVUL/Accumulation SVUL)	#	333-141693
John Hancock Life Insurance Company of New York Account B (Majestic Survivorship VULX)	#	333-148992
John Hancock Life Insurance Company of New York Account B (Majestic VULX)	#	333-151631
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 08)	#	333-152407
John Hancock Life Insurance Company of New York Account B (Corporate VUL 08)	#	333-152408
John Hancock Life Insurance Company of New York Account B (Majestic VCOLIX)	#	333-153253
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 09)	#	333-157213
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2012)	#	333-179571
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2014)	#	333-193995
John Hancock Life Insurance Company of New York Account B (Simplified Life)	#	333-194819
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2017)	#	333-221236
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2019)	#	333-235396
John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Variable Universal Life 2019)	#	333-235397
John Hancock Life Insurance Company of New York Account B (Accumulation Survivorship Variable Universal Life 2020)	#	333-238712
John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Survivorship Variable Universal Life 2020)	#	333-238713

Each of said attorneys and agents shall have, and may exercise, all of the powers hereby conferred.

This Power of Attorney is intended to supersede any and all prior Power of Attorneys in connection with the above-mentioned acts and is effective April 1, 2023 and remains in effect until revoked or revised.

Signature	Title	Date
/s/ Brooks Tingle Brooks Tingle	Director, Chair, President, and Chief Executive Officer	April 3, 2023

POWER OF ATTORNEY

I, Simonetta Vendittelli, in my capacity as Vice President and Controller of John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York, do hereby constitute and appoint Tracy Lannigan, Michael A. Ramirez, and Lisa Shepard or any of them individually, my true and lawful attorneys and agents to execute, in the name of, and on behalf of, the undersigned as a member of said Board of Directors, the Registration Statements listed below filed with the Securities and Exchange Commission (“SEC”) under the Securities Act of 1933 and the Investment Company Act of 1940, and any and all amendments to the Registration Statements listed below filed with the SEC, and the undersigned hereby ratifies and confirms as his or her own act and deed all that each of said attorneys and agents shall do or cause to have done by virtue hereof.

Variable Life Registration Statements filed for the John Hancock Variable Life Account S:
John Hancock Variable Life Account S (Medallion Executive Variable Life, Medallion Executive Variable Life II, Medallion Executive Variable Life III)	#	333-164150
John Hancock Variable Life Account S (Majestic Variable Universal Life, Majestic Variable Universal Life 98)	#	333-164151
John Hancock Variable Life Account S (Variable Master Plan Plus)	#	333-164152
John Hancock Variable Life Account S (Majestic Variable COLI)	#	333-164153
John Hancock Variable Life Account S (Variable Estate Protection, Majestic Variable Estate Protection, Majestic Variable Estate Protection 98, Variable Estate Protection Plus)	#	333-164156
John Hancock Variable Life Account S (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life)	#	333-164154
John Hancock Variable Life Account S (Performance Executive Variable Life)	#	333-164155
Variable Life Registration Statements filed for the John Hancock Variable Life Account UV:
John Hancock Variable Life Account UV (Annual Premium Variable Life)	#	333-164157
John Hancock Variable Life Account UV (Flex V1)	#	333-164158
John Hancock Variable Life Account UV (Flex V2)	#	333-164159
John Hancock Variable Life Account UV (Medallion Variable Life)	#	333-164160
John Hancock Variable Life Account UV (Variable Estate Protection)	#	333-164161
John Hancock Variable Life Account UV (Variable Estate Protection Plus)	#	333-164162
John Hancock Variable Life Account UV (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life)	#	333-164164
John Hancock Variable Life Account UV (Majestic Variable Universal Life 98)	#	333-164163
John Hancock Variable Life Account UV (Majestic Variable Estate Protection 98)	#	333-164165
John Hancock Variable Life Account UV (Medallion Executive Variable Life III)	#	333-164166
John Hancock Variable Life Account UV (Medallion Variable Universal Life Plus)	#	333-164167
John Hancock Variable Life Account UV (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II)	#	333-164168
John Hancock Variable Life Account UV (Majestic Variable COLI)	#	333-164169
John Hancock Variable Life Account UV (Performance Executive Variable Life)	#	333-164170
Variable Life Registration Statements filed for the John Hancock Variable Life Account U:
John Hancock Variable Life Account U (Medallion Variable Life, Medallion Variable Universal Life Plus)	#	333-164171
John Hancock Variable Life Account U (Annual Premium Variable Life)	#	333-164172
John Hancock Variable Life Account U (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II)	#	333-164173
John Hancock Variable Life Account U (eVariable Life)	#	333-164174

Variable Life Registration Statements filed for the John Hancock Variable Life Account V:
John Hancock Variable Life Account V (Flex V1)	#	333-164175
John Hancock Variable Life Account V (Flex V2)	#	333-164176
Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account A:
John Hancock Life Insurance Company (U.S.A.) Account A (VUL Accumulator, EPVUL, Accumulation Variable Universal Life)	#	333-85284
John Hancock Life Insurance Company (U.S.A.) Account A (VUL Protector)	#	333-88748
John Hancock Life Insurance Company (U.S.A.) Account A (SPVL)	#	333-71136
John Hancock Life Insurance Company (U.S.A.) Account A (Survivorship VUL)	#	333-100597
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life)	#	333-124150
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Performance Variable Universal Life)	#	333-131299
John Hancock Life Insurance Company (U.S.A.) Account A (Protection SVUL/Accumulation SVUL)	#	333-141692
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship VULX)	#	333-148991
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VULX)	#	333-151630
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 08)	#	333-152406
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VCOLIX)	#	333-153252
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 09)	#	333-157212
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2012)	#	333-179570
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2014)	#	333-193994
John Hancock Life Insurance Company (U.S.A.) Account A (Simplified Life)	#	333-194818
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2017)	#	333-217721
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2019)	#	333-233647
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2019)	#	333-233648
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Survivorship Variable Universal Life 2020)	#	333-236446
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship Variable Universal Life 2020)	#	333-236447
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2021)	#	333-248502
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021)	#	333-254210
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2021)	#	333-254211
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021 Core)	#	333-265436
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2023)	#	333-266659
Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account N:
John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 03, Corporate VUL 04)	#	333-100567
John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 05)	#	333-126668
John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL)	#	333-152409

Variable Life Registration Statements filed for the John Hancock Life Insurance Company of New York Account B:
John Hancock Life Insurance Company of New York Account B (VUL Accumulator)	#	333-85296
John Hancock Life Insurance Company of New York Account B (VUL Protector)	#	333-88972
John Hancock Life Insurance Company of New York Account B (SPVL)	#	333-33504
John Hancock Life Insurance Company of New York Account B (Survivorship VUL)	#	333-100664
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life)	#	333-127543
John Hancock Life Insurance Company of New York Account B (Corporate VUL)	#	333-131139
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life)	#	333-131134
John Hancock Life Insurance Company of New York Account B (Majestic Performance Variable Universal Life)	#	333-132905
John Hancock Life Insurance Company of New York Account B (Protection SVUL/Accumulation SVUL)	#	333-141693
John Hancock Life Insurance Company of New York Account B (Majestic Survivorship VULX)	#	333-148992
John Hancock Life Insurance Company of New York Account B (Majestic VULX)	#	333-151631
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 08)	#	333-152407
John Hancock Life Insurance Company of New York Account B (Corporate VUL 08)	#	333-152408
John Hancock Life Insurance Company of New York Account B (Majestic VCOLIX)	#	333-153253
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 09)	#	333-157213
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2012)	#	333-179571
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2014)	#	333-193995
John Hancock Life Insurance Company of New York Account B (Simplified Life)	#	333-194819
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2017)	#	333-221236
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2019)	#	333-235396
John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Variable Universal Life 2019)	#	333-235397
John Hancock Life Insurance Company of New York Account B (Accumulation Survivorship Variable Universal Life 2020)	#	333-238712
John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Survivorship Variable Universal Life 2020)	#	333-238713

Each of said attorneys and agents shall have, and may exercise, all of the powers hereby conferred.

This Power of Attorney is intended to supersede any and all prior Power of Attorneys in connection with the above-mentioned acts and is effective March 28, 2023 and remains in effect until revoked or revised.

Signature	Title	Date
/s/ Simonetta Vendittelli Simonetta Vendittelli	Vice President and Controller	March 28, 2023

POWER OF ATTORNEY

I, Shamus Weiland, in my capacity as a Director of John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York, do hereby constitute and appoint Tracy Lannigan, Michael A. Ramirez, and Lisa Shepard or any of them individually, my true and lawful attorneys and agents to execute, in the name of, and on behalf of, the undersigned as a member of said Board of Directors, the Registration Statements listed below filed with the Securities and Exchange Commission (“SEC”) under the Securities Act of 1933 and the Investment Company Act of 1940, and any and all amendments to the Registration Statements listed below filed with the SEC, and the undersigned hereby ratifies and confirms as his or her own act and deed all that each of said attorneys and agents shall do or cause to have done by virtue hereof.

Variable Life Registration Statements filed for the John Hancock Variable Life Account S:
John Hancock Variable Life Account S (Medallion Executive Variable Life, Medallion Executive Variable Life II, Medallion Executive Variable Life III)	#	333-164150
John Hancock Variable Life Account S (Majestic Variable Universal Life, Majestic Variable Universal Life 98)	#	333-164151
John Hancock Variable Life Account S (Variable Master Plan Plus)	#	333-164152
John Hancock Variable Life Account S (Majestic Variable COLI)	#	333-164153
John Hancock Variable Life Account S (Variable Estate Protection, Majestic Variable Estate Protection, Majestic Variable Estate Protection 98, Variable Estate Protection Plus)	#	333-164156
John Hancock Variable Life Account S (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life)	#	333-164154
John Hancock Variable Life Account S (Performance Executive Variable Life)	#	333-164155
Variable Life Registration Statements filed for the John Hancock Variable Life Account UV:
John Hancock Variable Life Account UV (Annual Premium Variable Life)	#	333-164157
John Hancock Variable Life Account UV (Flex V1)	#	333-164158
John Hancock Variable Life Account UV (Flex V2)	#	333-164159
John Hancock Variable Life Account UV (Medallion Variable Life)	#	333-164160
John Hancock Variable Life Account UV (Variable Estate Protection)	#	333-164161
John Hancock Variable Life Account UV (Variable Estate Protection Plus)	#	333-164162
John Hancock Variable Life Account UV (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life)	#	333-164164
John Hancock Variable Life Account UV (Majestic Variable Universal Life 98)	#	333-164163
John Hancock Variable Life Account UV (Majestic Variable Estate Protection 98)	#	333-164165
John Hancock Variable Life Account UV (Medallion Executive Variable Life III)	#	333-164166
John Hancock Variable Life Account UV (Medallion Variable Universal Life Plus)	#	333-164167
John Hancock Variable Life Account UV (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II)	#	333-164168
John Hancock Variable Life Account UV (Majestic Variable COLI)	#	333-164169
John Hancock Variable Life Account UV (Performance Executive Variable Life)	#	333-164170
Variable Life Registration Statements filed for the John Hancock Variable Life Account U:
John Hancock Variable Life Account U (Medallion Variable Life, Medallion Variable Universal Life Plus)	#	333-164171
John Hancock Variable Life Account U (Annual Premium Variable Life)	#	333-164172
John Hancock Variable Life Account U (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II)	#	333-164173
John Hancock Variable Life Account U (eVariable Life)	#	333-164174

Variable Life Registration Statements filed for the John Hancock Variable Life Account V:
John Hancock Variable Life Account V (Flex V1)	#	333-164175
John Hancock Variable Life Account V (Flex V2)	#	333-164176
Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account A:
John Hancock Life Insurance Company (U.S.A.) Account A (VUL Accumulator, EPVUL, Accumulation Variable Universal Life)	#	333-85284
John Hancock Life Insurance Company (U.S.A.) Account A (VUL Protector)	#	333-88748
John Hancock Life Insurance Company (U.S.A.) Account A (SPVL)	#	333-71136
John Hancock Life Insurance Company (U.S.A.) Account A (Survivorship VUL)	#	333-100597
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life)	#	333-124150
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Performance Variable Universal Life)	#	333-131299
John Hancock Life Insurance Company (U.S.A.) Account A (Protection SVUL/Accumulation SVUL)	#	333-141692
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship VULX)	#	333-148991
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VULX)	#	333-151630
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 08)	#	333-152406
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VCOLIX)	#	333-153252
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 09)	#	333-157212
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2012)	#	333-179570
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2014)	#	333-193994
John Hancock Life Insurance Company (U.S.A.) Account A (Simplified Life)	#	333-194818
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2017)	#	333-217721
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2019)	#	333-233647
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2019)	#	333-233648
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Survivorship Variable Universal Life 2020)	#	333-236446
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship Variable Universal Life 2020)	#	333-236447
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2021)	#	333-248502
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021)	#	333-254210
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2021)	#	333-254211
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021 Core)	#	333-265436
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2023)	#	333-266659
Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account N:
John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 03, Corporate VUL 04)	#	333-100567
John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 05)	#	333-126668
John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL)	#	333-152409

Variable Life Registration Statements filed for the John Hancock Life Insurance Company of New York Account B:
John Hancock Life Insurance Company of New York Account B (VUL Accumulator)	#	333-85296
John Hancock Life Insurance Company of New York Account B (VUL Protector)	#	333-88972
John Hancock Life Insurance Company of New York Account B (SPVL)	#	333-33504
John Hancock Life Insurance Company of New York Account B (Survivorship VUL)	#	333-100664
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life)	#	333-127543
John Hancock Life Insurance Company of New York Account B (Corporate VUL)	#	333-131139
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life)	#	333-131134
John Hancock Life Insurance Company of New York Account B (Majestic Performance Variable Universal Life)	#	333-132905
John Hancock Life Insurance Company of New York Account B (Protection SVUL/Accumulation SVUL)	#	333-141693
John Hancock Life Insurance Company of New York Account B (Majestic Survivorship VULX)	#	333-148992
John Hancock Life Insurance Company of New York Account B (Majestic VULX)	#	333-151631
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 08)	#	333-152407
John Hancock Life Insurance Company of New York Account B (Corporate VUL 08)	#	333-152408
John Hancock Life Insurance Company of New York Account B (Majestic VCOLIX)	#	333-153253
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 09)	#	333-157213
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2012)	#	333-179571
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2014)	#	333-193995
John Hancock Life Insurance Company of New York Account B (Simplified Life)	#	333-194819
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2017)	#	333-221236
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2019)	#	333-235396
John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Variable Universal Life 2019)	#	333-235397
John Hancock Life Insurance Company of New York Account B (Accumulation Survivorship Variable Universal Life 2020)	#	333-238712
John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Survivorship Variable Universal Life 2020)	#	333-238713

Each of said attorneys and agents shall have, and may exercise, all of the powers hereby conferred.

This Power of Attorney is intended to supersede any and all prior Power of Attorneys in connection with the above-mentioned acts and is effective March 22, 2023 and remains in effect until revoked or revised.

Signature	Title	Date
/s/ Shamus Weiland Shamus Weiland	Director	March 22, 2023

POWER OF ATTORNEY

I, Henry H. Wong, in my capacity as a Director of John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York, do hereby constitute and appoint Tracy Lannigan, Michael A. Ramirez, and Lisa Shepard or any of them individually, my true and lawful attorneys and agents to execute, in the name of, and on behalf of, the undersigned as a member of said Board of Directors, the Registration Statements listed below filed with the Securities and Exchange Commission (“SEC”) under the Securities Act of 1933 and the Investment Company Act of 1940, and any and all amendments to the Registration Statements listed below filed with the SEC, and the undersigned hereby ratifies and confirms as his or her own act and deed all that each of said attorneys and agents shall do or cause to have done by virtue hereof.

Variable Life Registration Statements filed for the John Hancock Variable Life Account S:
John Hancock Variable Life Account S (Medallion Executive Variable Life, Medallion Executive Variable Life II, Medallion Executive Variable Life III)	#	333-164150
John Hancock Variable Life Account S (Majestic Variable Universal Life, Majestic Variable Universal Life 98)	#	333-164151
John Hancock Variable Life Account S (Variable Master Plan Plus)	#	333-164152
John Hancock Variable Life Account S (Majestic Variable COLI)	#	333-164153
John Hancock Variable Life Account S (Variable Estate Protection, Majestic Variable Estate Protection, Majestic Variable Estate Protection 98, Variable Estate Protection Plus)	#	333-164156
John Hancock Variable Life Account S (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life)	#	333-164154
John Hancock Variable Life Account S (Performance Executive Variable Life)	#	333-164155
Variable Life Registration Statements filed for the John Hancock Variable Life Account UV:
John Hancock Variable Life Account UV (Annual Premium Variable Life)	#	333-164157
John Hancock Variable Life Account UV (Flex V1)	#	333-164158
John Hancock Variable Life Account UV (Flex V2)	#	333-164159
John Hancock Variable Life Account UV (Medallion Variable Life)	#	333-164160
John Hancock Variable Life Account UV (Variable Estate Protection)	#	333-164161
John Hancock Variable Life Account UV (Variable Estate Protection Plus)	#	333-164162
John Hancock Variable Life Account UV (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life)	#	333-164164
John Hancock Variable Life Account UV (Majestic Variable Universal Life 98)	#	333-164163
John Hancock Variable Life Account UV (Majestic Variable Estate Protection 98)	#	333-164165
John Hancock Variable Life Account UV (Medallion Executive Variable Life III)	#	333-164166
John Hancock Variable Life Account UV (Medallion Variable Universal Life Plus)	#	333-164167
John Hancock Variable Life Account UV (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II)	#	333-164168
John Hancock Variable Life Account UV (Majestic Variable COLI)	#	333-164169
John Hancock Variable Life Account UV (Performance Executive Variable Life)	#	333-164170
Variable Life Registration Statements filed for the John Hancock Variable Life Account U:
John Hancock Variable Life Account U (Medallion Variable Life, Medallion Variable Universal Life Plus)	#	333-164171
John Hancock Variable Life Account U (Annual Premium Variable Life)	#	333-164172
John Hancock Variable Life Account U (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II)	#	333-164173
John Hancock Variable Life Account U (eVariable Life)	#	333-164174

Variable Life Registration Statements filed for the John Hancock Variable Life Account V:
John Hancock Variable Life Account V (Flex V1)	#	333-164175
John Hancock Variable Life Account V (Flex V2)	#	333-164176
Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account A:
John Hancock Life Insurance Company (U.S.A.) Account A (VUL Accumulator, EPVUL, Accumulation Variable Universal Life)	#	333-85284
John Hancock Life Insurance Company (U.S.A.) Account A (VUL Protector)	#	333-88748
John Hancock Life Insurance Company (U.S.A.) Account A (SPVL)	#	333-71136
John Hancock Life Insurance Company (U.S.A.) Account A (Survivorship VUL)	#	333-100597
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life)	#	333-124150
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Performance Variable Universal Life)	#	333-131299
John Hancock Life Insurance Company (U.S.A.) Account A (Protection SVUL/Accumulation SVUL)	#	333-141692
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship VULX)	#	333-148991
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VULX)	#	333-151630
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 08)	#	333-152406
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VCOLIX)	#	333-153252
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 09)	#	333-157212
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2012)	#	333-179570
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2014)	#	333-193994
John Hancock Life Insurance Company (U.S.A.) Account A (Simplified Life)	#	333-194818
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2017)	#	333-217721
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2019)	#	333-233647
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2019)	#	333-233648
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Survivorship Variable Universal Life 2020)	#	333-236446
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship Variable Universal Life 2020)	#	333-236447
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2021)	#	333-248502
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021)	#	333-254210
John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2021)	#	333-254211
John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021 Core)	#	333-265436
John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2023)	#	333-266659
Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account N:
John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 03, Corporate VUL 04)	#	333-100567
John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 05)	#	333-126668
John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL)	#	333-152409

Variable Life Registration Statements filed for the John Hancock Life Insurance Company of New York Account B:
John Hancock Life Insurance Company of New York Account B (VUL Accumulator)	#	333-85296
John Hancock Life Insurance Company of New York Account B (VUL Protector)	#	333-88972
John Hancock Life Insurance Company of New York Account B (SPVL)	#	333-33504
John Hancock Life Insurance Company of New York Account B (Survivorship VUL)	#	333-100664
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life)	#	333-127543
John Hancock Life Insurance Company of New York Account B (Corporate VUL)	#	333-131139
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life)	#	333-131134
John Hancock Life Insurance Company of New York Account B (Majestic Performance Variable Universal Life)	#	333-132905
John Hancock Life Insurance Company of New York Account B (Protection SVUL/Accumulation SVUL)	#	333-141693
John Hancock Life Insurance Company of New York Account B (Majestic Survivorship VULX)	#	333-148992
John Hancock Life Insurance Company of New York Account B (Majestic VULX)	#	333-151631
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 08)	#	333-152407
John Hancock Life Insurance Company of New York Account B (Corporate VUL 08)	#	333-152408
John Hancock Life Insurance Company of New York Account B (Majestic VCOLIX)	#	333-153253
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 09)	#	333-157213
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2012)	#	333-179571
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2014)	#	333-193995
John Hancock Life Insurance Company of New York Account B (Simplified Life)	#	333-194819
John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2017)	#	333-221236
John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2019)	#	333-235396
John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Variable Universal Life 2019)	#	333-235397
John Hancock Life Insurance Company of New York Account B (Accumulation Survivorship Variable Universal Life 2020)	#	333-238712
John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Survivorship Variable Universal Life 2020)	#	333-238713

Each of said attorneys and agents shall have, and may exercise, all of the powers hereby conferred.

This Power of Attorney is intended to supersede any and all prior Power of Attorneys in connection with the above-mentioned acts and is effective March 22, 2023 and remains in effect until revoked or revised.

Signature	Title	Date
/s/ Henry H. Wong Henry H. Wong	Director	March 22, 2023