485BPOS

As filed with the U.S. Securities and Exchange Commission on April 21, 2023
Registration No. 333-152409

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. 17 [X]

REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940
AMENDMENT NO. 33 [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

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
Asset Credit	7
Supplementary benefit riders	8
FEE TABLE	8
GENERAL DESCRIPTION OF THE POLICY	11
Policy Rights	11
Owner and beneficiary	11
Allocation of Premiums	12
Transfers of Policy Value	12
Limitations on transfers to or from a variable investment account	13
Frequent transfers among variable investment accounts	14
Limitations on transfers out of the fixed account	14
Potential additional limitations	15
Dollar cost averaging and asset allocation balancer programs	15
General Account	15
The fixed account	15
PREMIUMS	16
Purchase Procedures	16
Premium Amount	16
Premium Due Dates	17
STANDARD DEATH BENEFITS	17
Standard Death Benefits	17
Effectiveness and Policy Date	17
Temporary insurance coverage	17
Option 1 and Option 2	17
Base Face Amount and Supplemental Face Amount	18
Minimum death benefit	19
Calculation and payment of the death benefit	19
Additional Information About Standard Death Benefits	20
Requesting an increase or decrease in coverage	20
Change of death benefit option	20
Tax consequences of coverage changes	20
Limitations on payment of death benefit	20
SURRENDERS AND WITHDRAWALS	21
Surrender and Withdrawal	21
Additional Information Regarding Surrender and Withdrawal	21

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LOANS	21
Availability of Loans, Limitations and Interest	21
Effect of Loans on Cash Value and Death Benefit	22
Other Effects of Loans	22
Loan Repayments	23
OTHER BENEFITS AVAILABLE UNDER THE POLICY	23
More About Certain Optional Benefits	25
Long-Term Care Rider	25
Return of Premium Death Benefit Rider	26
Overloan Protection Rider	26
Accelerated Benefit Rider	26
TAXES	27
Tax Consequences of Owning a Policy	27
Tax Consequences of Electing Certain Supplementary Benefit Riders	28
Effect on the Company’s Taxes	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	30
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
When the Insured Person Reaches 121	37
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

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KEY INFORMATION

Important Information You Should Consider About the Policy

FEES AND EXPENSES
Charges for Early Withdrawals	There is a surrender fee assessed upon a withdrawal, lapse, surrender (if such surrender is not subject to a Replacement fee). A “surrender” is when you return your policy to us and we pay you the policy’s net cash surrender value, if any. If a policy “lapses” it terminates without any value. The maximum surrender charge is 1.46% of Total Face Amount. For example, if the Total Face Amount is $100,000, the highest possible surrender charge would be $1,463.00.						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 deferred premium charge will be deducted monthly over a ten year period beginning in the policy year following 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. A replacement fee will be assessed upon a policy replacement or “section 1035 exchange” (which is a type of tax-free exchange) in the first ten policy years.						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, administrative charge, Base Face Amount charge, , asset-based 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 options (portfolio fees and expenses)		0.39%		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 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

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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
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.	Limitations on transfers to or from a variable investment account Limitations on transfers out of the fixed account Effect of Loans on Cash Value and Death Benefit Long-Term Care Rider and Overloan Protection Rider 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.	Return of Premium Death Benefit Rider Overloan Protection Rider More About Certain Optional Benefits

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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.	Tax Consequences of Owning a Policy

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 the policy is to provide lifetime protection against economic loss due to the death of the insured person and to help you accumulate assets through an investment portfolio. Fees, expenses and tax implications can make variable life insurance unsuitable as a short-term savings vehicle.

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 121, 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.

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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.

Policy Features

Death benefit. When the insured person dies, we will pay the death benefit minus any outstanding policy debt and unpaid fees and charges. There are two ways of calculating the death benefit. You choose which one you want in the application.

• Option 1. The death benefit will equal the greater of (1) the Total Face Amount plus any amount payable under a supplementary benefit rider, or (2) the minimum death benefit (as described below). The “Total Face Amount” is the amount of life insurance coverage equal to the “Base Face Amount” plus any “Supplemental Face Amount,” as set forth in your policy.

• Option 2. The death benefit will equal the greater of (1) the Total Face Amount plus any amount payable under a supplementary benefit rider, plus the policy value on the date of death , or (2) the minimum death benefit.

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. After the first policy year, you may make a withdrawal of part of your net cash surrender value. Generally, each withdrawal must be at least $500. Your policy value is automatically reduced by the amount of the withdrawal. A withdrawal may also reduce the Total Face Amount.

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. Generally, the minimum amount of each loan is $500. 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.

Asset Credit. Starting in the eleventh policy year, we may credit your policy value with an “asset credit” monthly, on the date we calculate your monthly deductions, with an amount equal to the percentage credit listed below multiplied by the policy value in your variable investment accounts on this date. The asset credit does not apply to the loan account or the fixed account. The “Asset Credit” percentage is 0.01666% per month in policy year 11 and thereafter and ceasing at attainment of age 121. We add the Asset Credit to the same variable investment and fixed accounts from which we take your monthly deductions. This credit is not guaranteed, and we reserve the right to discontinue it at any time.

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Supplementary benefit riders. When you apply for the policy, you can request any of the below-listed supplementary benefit riders 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.

• Long-Term Care Rider

• Return of Premium Death Benefit Rider

• Overloan Protection Rider

• Accelerated Benefit Rider

You can find information about the fees we charge for these riders under “Transaction Fees” and “Periodic Charges other than Annual Portfolio Expenses — Optional Benefit Charges” in the Fee Table below. We also offer, at no charge, 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
Deferred premium charge (1)	Upon making a premium payment (charge deducted monthly over a ten year period beginning in the policy year following the premium payment)	0.13% monthly for ten policy years for each premium payment
Surrender fee (2):	Upon a withdrawal or surrender of the policy (if such surrender is not subject to a Replacement fee).
Minimum charge		$1.05 per $1,000 of Total Face Amount
Maximum charge		$14.63 per $1,000 of Total Face Amount
Charge for a representative insured person		$2.88 per $1,000 of Total Face Amount
Transfer fee (3)	Upon each transfer into or out of a variable investment account beyond an annual limit of twelve	$25.00
Replacement fee (4):	Upon a policy replacement or section 1035 exchange for the first ten policy years
Minimum charge		$3.37 per $1,000 of Total Face Amount
Maximum charge		$37.69 per $1,000 of Total Face Amount
Charge for representative insured person		$12.60 per $1,000 of Total Face Amount

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Charge	When Charge is Deducted	Amount Deducted
Overloan Protection Rider (5):	At exercise of benefit
Minimum charge		0.04%
Maximum charge		8.0%
Accelerated Benefit Rider (6)	At exercise of benefit	$150.00

⁽¹⁾ At the end of the first and every policy year thereafter, we calculate a deferred premium charge on the basis of the total of the premiums paid during that policy year, multiplied by a rate not to exceed 0.13% (15% on a cumulative basis). The premium charge is then deducted monthly over ten policy years in 120 equal monthly amounts beginning in the policy year following the premium payment.

⁽²⁾ This fee is applicable only to policies issued with the Surrender Fee Endorsement, which we may also refer to as the “Early Termination Fee Endorsement.” The fee deducted will be equal to the percentage shown in your policy multiplied by the lesser of either the sum of premiums paid to date at the time the fee is applied or the Calculation Limit shown in your policy. The Calculation Limit varies by issue age, sex of the insured person and policy duration. The maximum rate shown is for a 90 year old male. The minimum rate shown is for a 20 year old female. The representative insured person rate shown is for a 45 year old male. The fees shown are the amounts that would apply to a surrender in the first policy year of the charge period assuming the premiums that have been paid are equal to the Calculation Limit in the first policy year. These charges may not be particularly relevant to your current situation, and you can obtain information about the specific charges applicable to you from your John Hancock USA representative.

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

⁽⁴⁾ A Replacement fee is imposed for the first ten policy years if you surrender your policy in connection with the purchase of a replacement policy, including a replacement intended to qualify as a tax free exchange under section 1035 of the Internal Revenue Code. The fee is a percentage of the premiums we receive in the first policy year that do not exceed the Replacement Fee Calculation Limit stated in your policy. The percentage applied is dependent upon the policy year during which the replacement occurs and grades down proportionately at the beginning of each policy month until it reaches zero. The Replacement Fee Calculation Limit varies by issue age, sex and amounts of Base Face Amount and Supplemental Face Amount elected at issue. The maximum rate shown is for a 70 year old male with all Base Face Amount. The minimum rate shown is for a 20 year old female with 10% Base Face Amount and 90% Supplemental Face Amount. The representative insured person rate shown is for a 45 year old male with 50% Base Face Amount and 50% Supplemental Face Amount. These charges may not be particularly relevant to your current situation, and you can obtain information about the specific charges applicable to you from your John Hancock USA representative.

⁽⁵⁾ The charge for this rider is determined as a percentage of unloaned account value. The rates vary by the attained age of the insured person at the time of exercise. The rates also differ according to the tax qualification test elected at issue. The maximum rate shown is for an insured person who has reached attained age 75 and the cash value accumulation test has been elected. The minimum rate shown is for an insured person who has reached attained age 120 and the guideline premium test or the cash value accumulation test has been elected. These charges may not be particularly relevant to your current situation, and you can obtain information about the specific charges applicable to you from your John Hancock USA representative.

⁽⁶⁾ This charge is not currently imposed, but we reserve the right to do so in the policy.

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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		$0.04 per $1,000 of NAR
Maximum charge		$83.33 per $1,000 of NAR
Charge for a representative insured person		$0.22 per $1,000 of NAR
Administrative charge	Monthly	$15.00
Base Face Amount charge (2):	Monthly
Minimum charge		$0.09 per $1,000 of Base Face Amount
Maximum charge		$2.44 per $1,000 of Base Face Amount
Charge for a representative insured person		$0.24 per $1,000 of Base Face Amount
Asset-based risk charge (3)	Monthly	0.14% (monthly rate) of policy value
Maximum policy loan interest rate (4)	Accrues daily Payable annually	3.75% annual rate
Optional Benefit Charges:
Long-Term Care Rider (5):	Monthly
Minimum charge		$0.01 per $1,000 of NAR
Maximum charge		$3.34 per $1,000 of NAR
Charge for representative insured person		$0.08 per $1,000 of NAR
Return of Premium Death Benefit Rider (6):	Monthly
Minimum charge		$0.04 per $1,000 of NAR
Maximum charge		$83.33 per $1,000 of NAR
Charge for representative insured person		$0.22 per $1,000 of NAR

⁽¹⁾ The cost of insurance charge is determined by multiplying the net amount of insurance for which we are at risk (the net amount at risk or “NAR”) by the applicable cost of insurance rate. The rates vary widely depending upon the length of time the policy has been in effect, the insurance risk characteristics of the insured person and (generally) the sex of the insured person. The maximum rate shown is the rate in the first policy year for a 90 year old male substandard smoker underwriting risk. The minimum rate shown is the rate in the first policy year for a policy issued to cover a 20 year old female super preferred underwriting risk. The representative insured person refers to a 45 year old male standard non-smoker underwriting risk in the first policy year. These charges may not be particularly relevant to your current situation, and you can obtain information about the specific charges applicable to you from your John Hancock USA representative.

⁽²⁾ This charge is determined by multiplying the Base Face Amount at issue by the applicable rate. The rates vary by the sex, issue age, and risk classification of the insured person and duration (policy year). The maximum rate shown is for a 90 year old male standard smoker underwriting risk in policy year 1. The minimum rate shown is for a 20 year old female super preferred underwriting risk in policy year one. The representative insured person rate shown is for a 45 year old male standard non-smoker underwriting risk in policy year 1. These charges may not be particularly relevant to your current situation, and you can obtain information about the specific charges applicable to you from your John Hancock USA representative.

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⁽³⁾ This charge is currently not imposed, but we reserve the right to do so in the policy. This charge only applies to the portion of the policy value held in the investment accounts. The charge determined does not apply to any policy value held in a fixed account. The maximum charge shown is for a policy with 10% Base Face Amount and 90% Supplemental Face Amount at issue. The maximum charge varies based on the amount of Base Face Amount and Supplemental Face Amount elected at issue. The current charge is the same for all policies, regardless of the Base Face Amount at issue and Supplemental Face at issue. For more information, contact your John Hancock USA representative.

⁽⁴⁾ 3.75% is the maximum effective annual interest rate we can charge and applies only during policy years 1-10. The effective annual interest rate is 3.00% thereafter (although we reserve the right to increase the rate after the tenth policy year to as much as 3.25%. The amount of any loan is transferred from the accounts to a special loan account which earns interest at an effective annual rate of 3.00%. Therefore, the cost of a loan is the difference between the loan interest we charge and the interest we credit to the special loan account.

⁽⁵⁾ The charge for this rider is determined by multiplying the net amount of insurance for which we are at risk (the net amount at risk or “NAR”) by the applicable rate. The rates vary by the long-term care insurance risk characteristics of the insured person and the rider benefit level selected. The maximum rate shown is for a 75 year old male substandard smoker underwriting risk with a 4% Monthly Acceleration Percentage. The minimum rate shown is for a 20 year old female super preferred non-smoker underwriting risk with a 1% Monthly Acceleration Percentage, which is a percentage of the death benefit you can accelerate each month. The Monthly Acceleration Percentage is stated in the Policy Specifications page of your policy. The representative insured person rate shown is for a 45 year old male standard non-smoker underwriting risk with a 4% Monthly Acceleration Percentage. These charges may not be particularly relevant to your current situation, and you can obtain information about the specific charges applicable to you from your John Hancock USA representative.

⁽⁶⁾ The Return of Premium Death Benefit Rider charge is determined by multiplying the net amount of insurance for which we are at risk (the net amount at risk or “NAR”) by the applicable cost of insurance rate. The rates vary widely depending upon the length of time the policy has been in effect, the insurance risk characteristics of the insured person and (generally) the sex of the insured person. The maximum rate shown is the rate in the first policy year for a 90 year old male substandard smoker underwriting risk. The minimum rate shown is the rate in the first policy year for a 20 year old female super preferred non-smoker underwriting risk. This includes the so-called “extra mortality charge.” The representative insured person rate shown is for a 45 year old male standard non-smoker underwriting risk in the first policy year. These charges may not be particularly relevant to your current situation, and you can obtain information about the specific charges applicable to you from your John Hancock USA representative.

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)		0.39	%		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

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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

All premiums received prior to the Issue 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 then being earned on amounts allocated to the Money Market variable investment account. After the Issue Date but prior to the Allocation Date, net premiums received are allocated to the Money Market variable investment account. The “Allocation Date” of the policy is the tenth day after the Issue Date. The Issue Date is shown in your policy specifications. On the Allocation Date, the net premiums paid plus return credited, if any, will be allocated among the variable investment accounts or the fixed account in accordance with the policy owner’s instructions. Any net premium received on or after the Allocation Date will be allocated among variable investment accounts or the fixed account as of the business day on or next following the date the premium is received at the Service Office. In your application for a policy, you give us your initial instructions as to how you wish your initial and future premium payments to be allocated among the variable investment and fixed accounts. Your instructions must be in percentages that add up to 100%. By written request and at any time, you may change the variable investment accounts or fixed account in which future premium payments will be invested.

There are restrictions that may limit the variable investment and fixed account options that you may choose, as well as limitations on the transfer of policy value among those options. For example, your investment options will be limited if you exercise benefits under the Long-Term Care Rider or the Overloan Protection Rider. Specifically, all value you have in the variable investment accounts will automatically be transferred to the fixed account, and, so long as you continue to receive any of those benefits, you will not be permitted to allocate any additional amounts to the variable investment account.

Transfers of Policy Value

You may transfer your policy value from one variable investment account or fixed account to another, subject to the limitations discussed below. To do so, you must tell us how much to transfer, either as a whole number percentage or as a specific dollar amount. A confirmation of each transfer will be sent to you Without our approval, the maximum amount you may transfer to or from any account (fixed or investment) in any policy year is $1,000,000.

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We have adopted policies and procedures with respect to frequent transfers of policy value among variable investment accounts.

Limitations on transfers to or from a variable investment account. 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 paragraphs). For purposes of this restriction, and in applying the limitation on the number of free transfers, any transfers made during the period from the opening of a business day (usually 9:00 a.m. Eastern time) to the close of that business day (usually 4:00 p.m. Eastern time) are considered one transfer. You may, however, transfer to the Money Market variable investment account even if the two transfers per month limit has been reached, but only if 100% of the account value in all variable investment accounts is transferred to the Money Market variable investment account. If such a transfer to the Money Market variable investment account is made, then for the 30 calendar day period after such transfer no transfers from the Money Market variable investment account to any other variable investment account or any fixed account may be made. If your 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.

Policies such as yours 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 variable investment accounts in its policies within the following limits: (i) during the 10 calendar day period after any policy values are transferred from one variable investment account into a second variable investment account, the values can only be transferred out of the second variable investment account if they are transferred into the Money Market variable investment account; and (ii) any policy values that would otherwise not be transferable by application of the 10 day limit described above and that are transferred into the Money Market variable investment account may not be transferred out of the Money Market variable investment account into any other variable investment account or any fixed account for 30 calendar days.

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 variable investment accounts in its policies. Under these circumstances, in lieu of imposing any specific limit upon the number and timing of transfers, we will monitor aggregate trades among the subaccounts 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 variable 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. While we seek to identify and prevent disruptive frequent 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 frequent trading and avoiding harm to long-term investors. The restrictions described in these paragraphs will be applied uniformly to all policy holders subject to the restrictions.

We will apply these limitations uniformly to each class of policies.

Effective July 27, 2010, we will automatically issue all policies described in this prospectus with the Allocations and Transfers Endorsement. This endorsement limits the amount of policy value under your policy (and certain other policies) that may be transferred to or from an investment account to $1,000,000 during the most recent 12 calendar months.

The above limit applies in aggregate to all policies of the same plan name in which you have an ownership interest (including policies owned by entities associated with you) and/or for which premiums are paid by a single payor (including entities associated with such payor). Any exceptions to the above limit will be made

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pursuant to uniform standards applied to all policyholders subject to this restriction. For policies issued prior to July 27, 2010, the maximum amount you may transfer without our approval to or from any account in any policy year is $1,000,000 on a per policy basis.

Frequent transfers among variable investment accounts. Variable investment accounts in variable life insurance products can be a prime target for abusive transfer activity because these products value their variable investment accounts on a daily basis and allow transfers among variable investment accounts 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 any variable investment account can be harmed by large or frequent transfer activity. For example, such activity may expose the variable investment account’s 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 portfolios.

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. We also reserve the right to impose a fee of up to $25 for any transfer beyond an annual limit (which would be 12 or more). No transfer fee will be imposed on any transfer from a variable investment account into any fixed account if the transfer occurs during the following periods:

• within 18 months after the policy’s Issue Date, or

• within 60 days after the later of the effective date of a material change in the investment objectives of any variable investment account or the date you are notified of the change.

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.

Limitations on transfers out of the fixed account. Transfers out of the fixed account option in any one policy year are limited to the greater of (i) the fixed account maximum transfer amount of $2,000, (ii) the fixed account maximum transfer percentage of 25% multiplied by the amount of the fixed account on the immediately preceding policy anniversary, or (iii) the amount transferred out of the fixed account during the previous policy year. Any transfer out of the fixed account may not involve a transfer to the Money Market variable investment account. We reserve the right to impose a minimum amount limit on transfers out of any fixed account. We also reserve the right to impose different restrictions on any additional fixed account that we may offer in the future. We may waive the transfer restrictions on the fixed account.

Effective July 27, 2010, we will automatically issue all policies described in this prospectus with the Allocations and Transfers Endorsement. This endorsement limits the combined amount of premiums and policy value under your policy (and certain other policies) that may be allocated and/or transferred to all fixed accounts to $1,000,000 during the most recent 12 calendar months.

The above limit applies in aggregate to all policies of the same plan name in which you have an ownership interest (including policies owned by entities associated with you) and/or for which premiums are paid by a single payor (including entities associated with such payor). Any excess over such limit will be allocated or transferred to your other investment accounts according to your most recent allocation instructions. Any exceptions to the above limit will be made pursuant to uniform standards applied to all policyholders subject to this restriction.

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Potential additional limitations. We reserve the right to take other actions to restrict transfers, 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 variable investment accounts, (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 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. A portfolio also may require us to impose additional trading restrictions if violations of its policies against frequent or disruptive trading in its shares are discovered.

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. No fee is charged for these programs. 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 investment option 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 investment option 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 investment option.

Because of exemptive and exclusionary provisions, interests in our fixed investment option 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 investment option 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 investment option. The effective annual rate we declare for the standard fixed investment option will never be less than 2%. We reserve the right to offer one or more additional fixed investment options with characteristics that differ from those of the current fixed investment option, 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

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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

Generally, the policy is available with a minimum Total Face Amount at issue of $100,000 and a minimum Base Face Amount at issue of $50,000. At the time of issue, the insured person must have an attained age of no more than 90. The insured person must meet certain health and other insurance risk criteria called “underwriting standards.”

The Minimum Initial Premium is set forth in your policy specifications. Factors that determine the minimum initial premium amount generally include the insured persons’ age, sex and risk classification including any additional ratings; the Total Face Amount of insurance and election of any Supplemental Face Amount; choice of Death Benefit Option 1 vs. Option 2; and any selected supplementary benefit riders. 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.

If you pay premiums by check or money order, they must be drawn on a U.S. bank in U.S. dollars and made payable to “John Hancock.” We will not accept credit card checks. We will not accept starter or third party checks if they fail to satisfy our administrative requirements. Premiums after the first must be sent to the John Hancock USA Service Office at the appropriate address shown on the back cover of this prospectus. We will also accept premiums by wire or by exchange from another insurance company, or via an electronic funds transfer program (any owner interested in making monthly premium payments must use this method).

Premium Amount

In addition to the Minimum Initial Premium, your policy specifications will also show the “Planned Premium” that you chose for the policy. Payment of Planned Premiums is not necessarily required, however. You need only pay enough premium to keep the policy in force.

The amount and frequency of the Planned Premium are determined by you, in consultation with your financial advisor, based upon your financial objectives for the policy. Depending upon the amount and timing of your actual premium payments, investment results, changing objectives and other factors, you may need to change the amount and frequency of your premium payments from the Planned Premium amount in order for the policy to continue to support your financial objectives. You may be required to pay additional premiums beyond the Planned Premium amount in order to keep your policy from lapsing. You should request in-force illustrations periodically in order to help assure that you are keeping on track with your objectives.

Federal tax law limits the amount of premium payments you can make relative to the amount of your policy’s insurance coverage. Also, in order to limit our exposure to unanticipated investment risk, we may refuse to accept additional premium payments. For example, with large premium payments in an environment of decreasing interest rates, we may not be able to acquire investments for our general account that will sufficiently match the liabilities we are incurring under our fixed account guarantees. Excessive allocations may also interfere with the effective management of our variable investment accounts, if we are unable to make an orderly investment of the additional premium into the variable investment accounts. Also, we may refuse to accept or limit an amount of premium if the amount of the premium would increase our insurance risk exposure, and the insured person doesn’t provide us with adequate evidence that he or she continues to meet our requirements for issuing insurance.

We will notify you in writing of our refusal to accept premium and will promptly thereafter take the necessary steps to return the premium to you. Notwithstanding the foregoing limits on the premium that we will accept, we will not refuse to accept any premium necessary to prevent the policy from terminating.

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Premium Due Dates

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. We will notify you of the default and will allow a 61-day grace period in which you may make a premium payment sufficient to bring the policy out of default. The required payment will be equal to the amount necessary to bring the net cash surrender value to zero, if it was less than zero on the date of default, plus an amount equal to three times the monthly deductions due on the date of default, plus any applicable premium charge. If the insured person should die during the grace period, the policy value used in the calculation of the death benefit will be the policy value as of the date of default and the death benefit will be reduced by any outstanding monthly deductions due at the time of death. If the required payment is not received by the end of the grace period, the policy will terminate (i.e., “lapse”) with no value.

STANDARD DEATH BENEFITS

Standard Death Benefits

Effectiveness and Policy Date. After you apply for a policy, we gather and evaluate all the information we need to decide whether to issue a policy to you and, if so, what the insured person’s risk classification should be. After we approve an application for a policy and assign an appropriate insurance risk classification, we will prepare the policy for delivery. The policy will take effect only if all of the following conditions are satisfied:

• The policy is delivered to and received by the applicant.

• The Minimum Initial Premium is received by us.

• The insured person is living and there has been no deterioration in the insurability of the insured person since the date of the application.

If all of the above conditions are satisfied, the policy will take effect on the date shown in the policy as the “Policy Date.” That is the date on which we begin to take monthly deductions. Policy months, policy years and policy anniversaries are all measured from the Policy Date. Under limited circumstances, we may backdate a policy, upon request, by assigning a Policy Date earlier than the date the application is signed. However, in no event will a policy be backdated earlier than the earliest date allowed by state law, which is generally three months to one year prior to the date of application for the policy. The most common reasons for backdating are to preserve a younger age at issue for the insured person or to retain a common monthly deduction date in certain corporate-owned life insurance cases involving multiple policies issued over time. If used to preserve age, backdating will result in lower insurance charges. However, monthly deductions will begin earlier than would otherwise be the case.

Temporary insurance coverage. If a specified amount of premium is paid with the application for a policy and other conditions are met, we will provide temporary term life insurance coverage on the insured person for a period prior to the time coverage under the policy takes effect. Such temporary term coverage will be subject to the terms and conditions described in the Temporary Life Insurance Agreement and Receipt attached to the application for the policy, including conditions to coverage and limits on amount and duration of coverage.

Option 1 and Option 2. When the insured person dies, we will pay the death benefit minus any outstanding policy debt and unpaid fees and charges. There are two ways of calculating the death benefit. You must choose which one you want in the application. The two death benefit options are described below.

• Option 1. The death benefit will equal the greater of (1) the Total Face Amount plus any amount payable under a supplementary benefit rider, or (2) the minimum death benefit (as described below).

• Option 2. The death benefit will equal the greater of (1) the Total Face Amount plus any amount payable under a supplementary benefit rider, plus the policy value on the date of death , or (2) the minimum death benefit.

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See the OTHER BENEFITS AVAILABLE UNDER THE POLICY and More About Certain Optional Benefits sections for more information about riders that may increase the death benefit.

For the same premium payments, the death benefit under Option 2 will tend to be higher than the death benefit under Option 1. On the other hand, the monthly insurance charge will be higher under Option 2 to compensate us for the additional insurance risk. Because of that, the policy value will tend to be higher under Option 1 than under Option 2 for the same premium payments.

Poor investment performance of the portfolios, expenses, and deduction of charges under the policy all will reduce the policy value and net cash surrender value and may also reduce the death benefit. However, favorable investment performance may increase the policy value, net cash surrender value, and death benefit. Therefore, if you experience better investment performance or lower expenses and charges than you assumed, you may be able to reduce your premium payments while maintaining the death benefit and other values under your policy; or if you continue to pay premiums at the same level, the death benefit and other values under your policy may increase. Conversely, if the investment performance falls short of what you assumed, or the expenses or charges are higher, the death benefit and other values under your policy may decrease unless you pay additional premiums.

Base Face Amount and Supplemental Face Amount

Total Face Amount is composed of the Base Face Amount and any Supplemental Face Amount you elect. The Supplemental Face Amount you can have generally cannot exceed 900% of the Base Face Amount at the Issue Date. Thereafter, increases to the Supplemental Face Amount cannot exceed 400% of the Total Face Amount at the Issue Date.

You should consider a number of factors in determining whether to elect coverage in the form of Base Face Amount or in the form of Supplemental Face Amount. Some of these factors include the following:

• As shown in the Fee Tables, there is a charge per $1000 of Base Face Amount. This means for the same amount of Total Face Amount, your Base Face Amount charges deducted from policy value will be higher if you elect greater proportions of Base Face Amount at issue versus Supplemental Face Amount.

• However, if you elect greater proportions of Supplemental Face Amount coverage at issue, the guaranteed limit upon the asset- based risk charge we provide will be higher. As shown in the Fee Tables, the “maximum” guaranteed charge of 0.14% of policy value is for a policy with 90% Supplemental Face Amount at issue. A policy with 50% Supplemental Face Amount at issue would have a guaranteed charge of 0.09%; whereas a policy with 100% Base Face Amount at issue would have a guaranteed charge of 0.03%. Please see the Fee Tables for a description of the guaranteed and current asset-based risk charges in all policy years. The asset-based risk charge percentages assessed on a current basis may be the same for both Base Face Amount and Supplemental Face Amount.

• Also, after the insured person reaches or would have reached age 121, any Supplemental Face Amount will terminate. If your priority is to maximize the death benefit when the insured person reaches or would have reached age 121, then you may wish to maximize the proportion of the Base Face Amount.

The charges applied to Base Face Amount will tend to result in lower cash value accumulation, or alternatively higher premium payments, for the same amount of death benefit compared to Supplemental Face Amount coverage. However, if the Company should increase the asset-based risk charges under your policy to the maximum limits, the higher guaranteed asset-based risk charge resulting from a higher amount of Supplemental Face Amount at issue could increase the policy’s risk of lapse, requiring additional premium payments. You should also consider that the amount of compensation paid to the selling broker-dealer will be higher if you elect greater proportions of Base Face Amount coverage at issue.

Ultimately, individual needs and objectives vary. You should discuss your individual needs with your registered representative.

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The minimum death benefit

In order for a policy to qualify as life insurance under Federal tax law, there has to be a minimum amount of insurance in relation to policy value. There are two tests that can be applied under Federal tax law — the “guideline premium test” and the “cash value accumulation test.” You must elect which test you wish to have applied at issue. Once elected, the test cannot be changed without our approval.

Under the guideline premium test, we compute the minimum death benefit each business day by multiplying the policy value on that date by the death benefit factor applicable on that date. Factors for some ages are shown in the table below:

Attained Age	Applicable Factor
40 and under		250	%
45		215	%
50		185	%
55		150	%
60		130	%
65		120	%
70		115	%
75		105	%
90		105	%
95 and above		100	%

Under the cash value accumulation test, we compute the minimum death benefit each business day by multiplying the policy value on that date by the death benefit factor applicable on that date. The factor decreases as attained age increases. A table showing the factor for each age will appear in the policy.

These death benefit factors are subject to change based on the issue date of your policy. Please refer to your policy and contact your John Hancock USA representative for the death benefit factors that are specific to your policy.

The cash value accumulation test may be preferable if you want to fund the policy so that the minimum death benefit will increase earlier than would be required under the guideline premium test, or if you want to fund the policy at the “7 pay” limit for the full seven years.

To the extent that the calculation of the minimum death benefit under the selected life insurance qualification test causes the death benefit to exceed our limits, we reserve the right to return premiums or distribute a portion of the policy value so that the resulting amount of insurance is maintained within our limits. Alternatively, if we should decide to accept the additional amount of insurance, we may require additional evidence of insurability.

Calculation and payment of the death benefit. We will ordinarily pay any death benefit within seven days after we receive the last required form or request and 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.

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Additional Information About Standard Death Benefits

Requesting an increase or decrease in coverage. After the first policy year, you may make a written request for an unscheduled increase in Supplemental Face Amount. We must receive your written request within two months of your next policy anniversary. Generally, each such increase must be at least $50,000. However, you will have to provide us with evidence that the insured person qualifies for the same risk classification that applied to them at issue. Generally, any increase will be effective on the next policy anniversary following the date we approve the request. Any unscheduled increase in Supplemental Face Amount after issue would first require that you terminate the Return of Premium Rider you may have elected at issue.

After the first policy year, we may approve a reduction in the Base Face Amount or the Supplemental Face Amount, but only if:

• the remaining Total Face Amount will be at least $100,000,

• the remaining Base Face Amount will be at least $50,000, and

• the remaining Total Face Amount will at least equal the minimum required by the tax laws to maintain the policy’s life insurance status.

An approved decrease will take effect on the monthly deduction date on or next following the date we approve the request. We reserve the right to require that the Supplemental Face Amount be fully depleted before the Base Face Amount can be reduced.

Change of death benefit option. The death benefit option may be changed from Option 2 to Option 1 after the first policy year. If you request in writing, and we approve a change from Option 2 to Option 1, your Face Amount after the change will equal your Face Amount before the change plus the policy value as of the effective date of the change. If you change from Option 2 to Option 1, your death benefit will change from one that may increase over time due to the investment experience of the underlying investment accounts to one that is a level death benefit. Changing from Option 2 to Option 1 can also lower the monthly Cost of Insurance charge since this charge is lowered when the NAR is reduced; all other charges under the policy would remain the same. We reserve the right to limit a request for a change if the change would cause the policy to fail to qualify as life insurance for tax purposes.

A change in the death benefit option from Option 2 to Option 1 will result in a change in the policy’s Total Face Amount, in order to avoid any change in the amount of the death benefit. The new Total Face Amount will be equal to the Total Face Amount prior to the change plus the policy value as of the date of the change. The change will take effect on the monthly deduction date on or next following the date the written request for the change is received at our Service Office.

Tax consequences of coverage changes. If you change the death benefit option, the Federal tax law test (“guideline premium test” or “cash value accumulation test”) that you elected at issue will continue to apply.

A change in the death benefit option or Total Face Amount will often change the policy’s limits under the Federal tax law test that you elected. To avoid having the policy cease to qualify as life insurance for tax purposes, we reserve the right to (i) refuse or limit a change in the death benefit option or Total Face Amount and (ii) change the Guideline Single Premium or Guideline Level Premium, as applicable.

Limitations on payment of death benefit. If the insured person commits suicide within certain time periods (generally within two years from the Issue Date of the policy), the amount payable will be equal to the premiums paid, less the amount of any policy debt on the date of death, and less any withdrawals. Also if an application misstated the age or sex of the insured person, we will adjust, if necessary, the Base Face Amount, any Supplemental Face Amount, and every other benefit to that which would have been purchased at the correct age or sex by the most recent cost of insurance charge.

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SURRENDERS AND WITHDRAWALS

Surrender and Withdrawal

You may surrender the policy in full at any time, in which case we will pay you the policy’s full surrender value and coverage under the policy and any riders and other benefits under the policy will cease. After the first policy year, you may take a withdrawal of part of your surrender value once in each policy month, except that no withdrawals are permitted after the insured person has reached age 121. The amount of payment you will receive upon a surrender or withdrawal is based on values calculated as of the day we receive your request in good order or, if that is not a business day, on the next day that is. We generally pay that amount to you within seven days thereafter.

Additional Information Regarding Surrender and Withdrawal

The surrender of the policy terminates the life insurance coverage and other policy benefits. If you surrender your policy, we will pay you the policy value less any policy debt and surrender charge that then applies. If you surrender your policy in connection with the purchase of a replacement policy, including a replacement intended to qualify as a tax free exchange under section 1035 of the Internal Revenue Code (“Code”), there may also be a replacement fee deducted from the net cash surrender value. Also, if your policy is issued with the Surrender Fee Endorsement, we will deduct a Surrender fee if you surrender your policy during the first 7 policy years, provided the surrender is not subject to a Replacement fee. You must return your policy when you request a surrender.

After the first policy year, you may make a withdrawal of part of your net cash surrender value once in each policy month. Generally, each withdrawal must be at least $500. We will automatically reduce the policy value of your policy by the amount of the withdrawal. Unless otherwise specified by you, each account (fixed and investment) will be reduced in the same proportion as the policy value is then allocated among them. We will not permit a withdrawal if it would cause your net cash surrender value to fall below three months’ worth of monthly deductions. We also reserve the right to refuse any withdrawal that would cause the policy’s Total Face Amount to fall below $100,000 or the Base Face Amount to fall below $50,000. Also, if your policy is issued with the Surrender Fee Endorsement, there may be a pro-rata Surrender fee deducted from your policy value.

Because it reduces the policy value, any withdrawal will reduce your death benefit under either Option 1 or Option 2. Under Option 1, such a withdrawal may also reduce the Total Face Amount. Generally, any such reduction in the Total Face Amount will be implemented by first reducing any Supplemental Face Amount then in effect. You should consider a number of factors in determining whether to continue coverage in the form of Base Face Amount or Supplemental Face Amount. If such a reduction in Total Face Amount would cause the policy to fail the Internal Revenue Code’s (“Code”) definition of life insurance, we will not permit the withdrawal.

LOANS

Availability of Loans, Limitations and Interest

If your policy is in force and has sufficient policy value, you may borrow from it at any time before the insured person has reached age 121 by completing the appropriate form. We process policy loans as of the business day on or next following the day we receive the loan request. You can repay all or part of a loan at any time. Policy loans permanently affect the calculation of your policy value and may also result in adverse tax consequences. The amount of the outstanding loan (which includes accrued and unpaid interest) is subtracted from the amount otherwise payable when the policy proceeds become payable.

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Generally, the minimum amount of each loan is $500. You may borrow from your policy at any time by completing a form satisfactory to us. The maximum amount you can borrow is the greater of (i) 90% of net cash surrender value and (ii) the amount determined as set out below.

• We first determine the net cash surrender value of your policy.

• We then subtract an amount equal to the monthly deductions then being deducted from policy value times the number of full policy months until the next policy anniversary.

• We then multiply the resulting amount by the difference between the effective annual rate then being charged on loans and the effective annual rate then being credited on the loan account.

• We then subtract the third item above from the second item above.

The interest charged on any loan is an effective annual rate of 3.75% in the first 10 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%. Accrued interest will be added to the loan daily and will bear interest at the same rate as the original loan amount. Unless otherwise specified by you, the amount of the loan is deducted from the accounts (fixed and investment) in the same proportion as the policy value is then allocated among them. The amount of the loan is then placed in a special loan account. This special loan account will earn interest at an effective annual rate of 3.00%.

Effect of Loans on Cash Value and Death Benefit

Unless otherwise specified by you, the amount of the loan is deducted from the variable investment accounts and any fixed account in the same proportion as the policy value is then allocated among them. Amounts in the loan account do not participate in the investment experience of the variable investment accounts or the fixed account, and therefore loans can affect the policy value and death benefit whether or not the loan is repaid. The policy value, the net cash surrender value, and any death benefit are permanently affected by any loan, whether or not it is repaid in whole or in part. This is because the variable investment accounts or any fixed account and the special loan account will generally have different rates of investment return.

Other Effects of Loans

Taking a loan on the policy increases the risk that the policy may lapse because of the difference between the interest rate charged on the loan and the interest rate credited to the special loan account. When a loan is outstanding, the amount in the loan account is not available to help pay for any policy charges. If, after deducting your policy loan, there is not enough net cash surrender value to cover the policy charges, your policy could lapse. Also, whenever the outstanding loan equals or exceeds your policy value after the insured person reaches age 121, the policy will terminate 31 days after we have mailed notice of termination to you (and to any assignee of record at such assignee’s last known address) specifying the amount that must be paid to avoid termination, unless a repayment of at least the amount specified is made within that period.

The tax consequences of a loan interest credited differential of 0% are unclear. You should consult a tax adviser before effecting a loan to evaluate possible tax consequences. If we determine that a loan will be treated as a distribution from your policy because of the differential between the loan interest rate and the rate being credited on the special loan account, we reserve the right to increase the rate charged on the loan to a rate that would, in our reasonable judgment, result in the transaction being treated as a loan under Federal tax law. The right to increase the rate charged on the loan is restricted in some states.

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Loan Repayments

You can repay all or part of a loan at any time. Each repayment will be allocated among the accounts as set out below.

• The same proportionate part of the loan as was borrowed from any fixed account will be repaid to that fixed account.

• The remainder of the repayment will be allocated among the accounts in the same way a new premium payment would be allocated (unless otherwise specified by you).

If you want a payment to be used as a loan repayment, you must include instructions to that effect. Otherwise, all payments will be assumed to be premium payments. We process loan repayments as of the day we receive the repayment. Loan repayments received prior to the close of the New York Stock Exchange (“NYSE”) will be applied on the same day it was received. Loan repayments received after the close of the NYSE will be applied as of the next business day.

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.

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OPTIONAL BENEFITS
Name of Benefit	Purpose	Brief Description of Restrictions/Limitations
Long-Term Care Rider	Provides for periodic advance payments to you of a portion of the death benefit if the insured person becomes chronically ill as defined in the policy and has received qualified long-term care service while the policy is in force. If you elect this rider, you will also have an option to apply to have a portion of the policy’s death benefit advanced to you in the event of terminal illness.	There is a maximum amount of death benefit that we will advance for each month of qualification. Each advance reduces the remaining death benefit under your policy and causes a proportionate reduction in your policy value. We restrict your policy value’s exposure to market risk when benefits are paid under the Long-Term Care Rider by transferring all policy value to the fixed account. In addition, you will not be permitted to transfer policy value or allocate any additional premium payment to a variable investment account or an indexed account while rider benefits are paid. There is a significant risk that ownership of a policy with this rider by anyone other than the insured person will cause adverse tax consequences.
Return of Premium Death Benefit Rider	Provides an additional death benefit payable upon the death of the insured person.	This benefit is available to you only if you elect death benefit Option 1. You must terminate this rider before you can elect any increase to your Supplemental Face Amount.
Overloan Protection Rider	Prevents your policy from lapsing on any date if policy debt exceeds the death benefit.	The benefit is subject to a number of eligibility requirements relating to, among other things, the number of years the policy has been in force, the attained age of the insured person, the death benefit option elected and the tax status of the policy. When the Overloan Protection Benefit in this rider is invoked, all values in the variable investment accounts are transferred to the fixed account and will continue to grow at the current fixed account interest rate. Thereafter, policy changes and transactions are limited as set forth in the rider. Any supplementary benefit rider requiring a monthly deduction will automatically be terminated.

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Name of Benefit	Purpose	Brief Description of Restrictions/Limitations
		When the Overloan Protection Rider causes the policy to be converted into a fixed policy, there is risk that the Internal Revenue Service could assert that the policy has been effectively terminated and that the outstanding loan balance should be treated as a distribution.
Accelerated Benefit Rider	Allows you to make a one-time request to accelerate a portion of your death benefit should the insured person become terminally ill and have a life expectancy of one year or less.	Payment of the benefit amount will reduce your death benefit, cash value or loan value under your policy. This rider is only available with policies that are individually owned.

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.

• Long-Term Care Rider. This rider provides for periodic advance payments to you of a portion of the death benefit if the insured person becomes “chronically ill” so that such person: (1) is unable to perform at least two activities of daily living without substantial human assistance or has a severe cognitive impairment; and (2) is receiving certain qualified services described in the rider. The decision to add this rider must be made at issuance of the policy. If you elect this rider, you will also have an option to apply to have a portion of the policy’s death benefit advanced to you in the event of terminal illness. In addition, there is a significant risk that ownership of a policy with this rider by anyone other than the insured will cause adverse tax consequences.

We determine a maximum amount of death benefit that we will advance for each month of qualification. This amount, called the “Maximum Monthly Benefit Amount,” is equal to the amount of the death benefit that may be accelerated under the rider (as of the day the insured qualifies for benefits) multiplied by the Monthly Acceleration Percentage, which is the percentage of the death benefit you can accelerate each month. The Monthly Acceleration Percentage must be selected when you apply for the policy. The actual amount of any advance is based on the expense incurred by the insured person, up to the Maximum Monthly Benefit Amount, for each day of qualified long-term care service in a calendar month, as described in the rider. We will recalculate the Maximum Monthly Benefit Amount if you make a withdrawal of policy value, and for other events described in the rider. Each advance reduces the remaining death benefit under your policy, and causes a proportionate reduction in your policy value. If you have a policy loan, we will use a pro-rata portion of each death benefit advance to repay indebtedness. For example, if current indebtedness is $10,000, the death benefit is $100,000, and the gross advance is $2,000, then the net advance would be $1,800 = $2,000 X (1 - ($10,000/ $100,000)). As a result of the advance, the indebtedness will be reduced by $200.

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We restrict your policy value’s exposure to market risk when benefits are paid under the Long-Term Care Rider. We do this in several ways. First, before we begin paying any Monthly Benefit, we will transfer all policy value from the investment accounts to the fixed account. (The amount to be transferred will be determined on the business day immediately following the date we approve a request for benefits under the rider.) In addition, you will not be permitted to transfer policy value or allocate any additional premium payment to an investment account while rider benefits are paid. Your participation in any of the automatic investment plans will also be suspended during this period.

If the insured person no longer qualifies for rider benefits and your policy remains in force, you will be permitted to invest new premium payments or transfer existing policy value in the investment accounts. (The restriction on transfers from the fixed account will continue to apply.)

Finally, please note that there is a significant risk that ownership of a policy with this rider by anyone other than the insured person will cause adverse tax consequences. If the owner of the policy is not the insured person, benefit payments may be included in the owner’s income, and the death benefit may be part of the estate of the insured person for purposes of Federal estate tax.

• Return of Premium Death Benefit Rider. You may elect to have your policy issued with an optional Return of Premium Death Benefit Rider. This rider provides an additional death benefit payable upon the death of the insured person. The Return of Premium Death Benefit has an initial value equal to your initial premium times the “Percentage of Premium” you select (which may range between 0% and 100%). We show the Percentage of Premium you select in the policy specifications page. This benefit is only available to you if you elect death benefit Option 1. It may not be used in conjunction with the Long-Term Care Rider.

Example: Assume that you have chosen a Return of Premium Benefit of 100% of premiums paid to age 121, and the annual premium amount is $10,000. If you pay that premium for 40 years prior to the date of the insured person’s death, the rider will increase the death benefit paid by $400,000 [40 years x $10,000].

• Overloan Protection Rider. This rider will prevent your policy from lapsing on any date if policy debt exceeds the death benefit. The benefit is subject to a number of eligibility requirements relating to, among other things, the number of years the policy has been in force, the attained age of the life insured, the death benefit option elected and the tax status of the policy.

When the Overloan Protection Benefit in this rider is invoked, all values in the investment accounts are immediately transferred to the fixed account and will continue to grow at the current fixed account interest rate. Transfer fees do not apply to these transfers. Thereafter, policy changes and transactions are limited as set forth in the rider; for example, death benefit increases or decreases, additional premium payments, policy loans, withdrawals, surrender and transfers are no longer allowed. Any outstanding policy debt will remain. Interest will continue to be charged at the policy’s specified loan interest rate, and the policy’s loan account will continue to be credited with the policy’s loan interest credited rate. Any supplementary benefit rider requiring a monthly deduction will automatically be terminated.

When the Overloan Protection Rider causes the policy to be converted into a fixed policy, there is risk that the Internal Revenue Service could assert that the policy has been effectively terminated and that the outstanding loan balance should be treated as a distribution. Depending on the circumstances, all or part of such deemed distribution may be taxable as income. You should consult a tax adviser as to the risks associated with the Overloan Protection Rider.

• Accelerated Benefit Rider. This rider allows you to make a one-time request to accelerate a portion of your death benefit should the insured person become terminally ill and have a life expectancy of one year or less.

Before we can pay the benefit amount under this rider, the following conditions must be met: (1) you must provide us with written evidence satisfactory to us that that the insured person is terminally ill and has a life

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expectancy of one year or less, (2) we must receive a written consent of any assignee or any irrevocable beneficiary under the policy and (3) you must claim the benefit voluntarily and not as a way to satisfy a creditor’s claim or for government benefits.

If you satisfy the above conditions, we will pay you up to 50% of the eligible death benefit, up to a maximum of $1,000,000 on the insured person. You will receive your payment in one lump sum. You cannot make another claim under this rider after we have paid the benefit. We will not make a payment if it would be less than $10,000. If more than one policy owner makes a claim, we will pay the benefit in proportion to the amount of eligible death benefit each has on the insured person.

Example: Assume that your policy’s eligible death benefit is $1,000,000 and that you qualify for an accelerated benefit under this rider. If you elect to take the maximum accelerated benefit of 50%, the amount of such rider benefit will be $1,000,000 x 50% = $500,000. If you submit the claim prior to the insured person’s date of death you will receive the $500,000 as a one-time lump sum amount, and the amount of any death benefit that is paid will be reduced by $500,000 plus interest.

Payment of the benefit amount will reduce your death benefit, cash value or loan value under your policy. You should consult your tax adviser and social service agencies before you decide to receive the benefit under this rider. This rider is only available with policies that are individually owned.

TAXES

Tax Consequences of Owning a Policy

Tax consequences will vary based on your own particular circumstances, and for further information you should consult a qualified tax adviser. This material does not constitute tax or legal advice and neither John Hancock USA nor any of its agents, employees or registered representatives are in the business of offering such advice.

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.

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 distribute any amount of your policy value, 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.

Distributions for tax purposes include amounts received upon surrender or partial withdrawals and may include the charges for certain supplementary benefit riders as described below. 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. Amounts you borrow are generally not taxable to you. If you use policy value to pay down a policy loan, the amount so applied will be treated as a distribution.

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.

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.

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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 (the “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. We will monitor compliance with these standards. If we determine that a policy does not satisfy the definition of life insurance under section 7702, we may take whatever steps are appropriate and reasonable to bring it into compliance with section 7702.

It is possible that, despite our monitoring, a policy might fail to qualify as a life insurance contract under section 7702 of the 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 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.

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 Code. (As noted above, a transfer of the policy for valuable consideration may limit the exclusion of death benefits from the beneficiary’s income.)

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.

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 and reductions in face amount that result in a distribution that is 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 72(e) of the Code. 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).

Tax Consequences of Electing Certain Supplementary Benefit Riders

Long-term care riders. If you have elected a Long-Term Care Rider, monthly deductions from policy value to pay the rider charges will reduce your investment in the contract but will not be included in income even if you have recovered all of your investment in the contract.

In addition, if you have elected a long-term care rider, the rider’s benefits generally will be excludible from gross income under the Code. The tax-free nature of these accelerated benefits is contingent on the rider meeting specific requirements under section 101 and/or section 7702B of the Code. The riders are intended to meet these standards.

We caution you that there is a significant risk that ownership by anyone other than the person insured by the policy will cause adverse tax consequences. If the owner of the policy is not the insured person, benefit payments may be

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included in the owner’s income, and the death benefit may be part of the insured person’s estate for purposes of the Federal estate tax. A policy with a long-term care rider should not be purchased by or transferred to a person other than the insured person unless you have carefully reviewed the tax implications with your tax adviser.

Accelerated benefit riders. If you have elected the Accelerated Benefit Rider, we intend for the rider’s benefits to be excludible from gross income under Section  101 of the Code. Nevertheless, you should consult your tax adviser as to the income tax consequences to you.

Effect on the Company’s Taxes

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.

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.

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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.

There are tax risks associated with the election of certain supplementary benefit riders. (See “Tax Consequences of Electing Certain Supplementary Benefit Riders”).

ADDITIONAL INFORMATION REGARDING THE POLICY

Charges

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

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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 policy value.

Deferred premium charge. At the end of each policy year, we calculate a deferred premium charge on the basis of the total of the premiums paid during that policy year, multiplied by a rate not to exceed 0.13% (15% on a cumulative basis). The premium charge is then assessed monthly over ten policy years in 120 equal monthly amounts.

Administrative charge. A monthly charge to help cover our administrative costs. This is a flat dollar charge of $15.

Base Face Amount charge. A monthly charge to primarily help cover sales costs. To determine the charge we multiply the amount of Base Face Amount at issue by a rate that varies by duration (policy year) and by the insured person’s sex, risk classification, and issue age. We reserve the right to increase the rate and the charge period.

Cost of insurance charge. A monthly charge for the cost of insurance. To determine the charge, we multiply the net amount of insurance for which we are then at risk by a cost of insurance rate. The rate is derived from an actuarial table. The table in your policy will show the maximum cost of insurance rates. The cost of insurance rates that we currently apply are generally less than the maximum rates. The current rates will never be more than the maximum rates shown in the policy. The cost of insurance we use will depend on age of the insured person at issue, the insurance risk characteristics and (usually) sex of the insured person, and the length of time the policy has been in effect. Regardless of the table used, cost of insurance rates generally increase each year that you own your policy, as the insured person’s age increases. (The insured person’s “age” on any date is his or her age on the birthday nearest that date.) For death benefit Option 1, the net amount at risk is equal to the greater of zero, or the result of (a) minus (b) where:

(a) is the Total Face Amount, plus the death benefit payable under any Supplementary Benefit riders where charges are deducted from the Policy Value and are based on the Net Amount at Risk, as of the first day of the Policy Month, divided by 1.0024663; and

(b) is the policy value as of the first day of the Policy Month after the deduction of all other monthly deductions.

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

If the minimum death benefit is greater than the Total Face Amount, the cost of insurance charge will reflect the amount of that additional benefit.

For death benefit Option 2, the net amount at risk is equal to the Total Face Amount of insurance divided by 1.0024663.

Replacement fee. A Replacement fee is imposed for the first ten policy years if you surrender your policy in connection with the purchase of a replacement policy, including a replacement intended to qualify as a tax free exchange under section 1035 of the Internal Revenue Code. The fee is a percentage of the premiums we receive

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in the first policy year that do not exceed the Replacement Fee Calculation Limit stated in your policy. The percentage applied is dependent upon the policy year during which replacement occurs and grades down proportionately at the beginning of each policy month until it reaches zero. The Replacement Fee Calculation Limit varies by issue age, sex and the amount of Base Face Amount and Supplemental Face Amount elected at issue.

Surrender fee. Effective July 27, 2010, we will automatically issue the Surrender Fee Endorsement with all policies described in this prospectus that we determine according to our underwriting standards present a heightened risk of early termination. These standards will be (i) designed to identify cases that expose us to potential increased costs resulting from early surrenders or withdrawals, (ii) will be uniformly applied and reasonable, and (iii) will not unfairly discriminate against any purchaser. For example, we will take into account factors such as the nature of the purchaser (individual or corporate), the size and business type of any corporate purchaser, and the purposes for which the insurance is being purchased.

If your policy is issued with the Surrender Fee Endorsement, we will assess a fee upon the surrender of your policy during the first 7 policy years (if such surrender is not subject to a Replacement fee). The charge deducted will be equal to the percentage shown in your policy multiplied by the lesser of either the sum of premiums paid to date at the time the charge is applied or the Calculation Limit shown in the policy. The Calculation Limit varies by issue age, sex of the insured person and policy duration. The percentage applied is dependent upon the policy year during which the transaction occurs.

For example, assume a policy owner with the Surrender Fee Endorsement requests a full surrender in policy year 5, where the Calculation Limit equals $60,000, the total premiums paid to date equals $50,000 and the applicable Surrender fee percentage for policy year 5 is 3%. The resulting Surrender fee for the full surrender will equal $1,500 (3% multiplied by the lesser of $60,000 or $50,000). No Replacement fee is assessed.

A pro-rata portion of the Surrender fee will be deducted upon a request for a withdrawal during the first 7 policy years. The pro-rata Surrender fee is equal to the Surrender fee at the time of the withdrawal multiplied by the ratio of (a) divided by (b); where (a) and (b) equal the following:

(a) is the lesser of:

(1) the amount of the withdrawal currently being taken, or

(2) the excess, if any, of the sum of all premiums paid to date at the time of the withdrawal, minus the sum of all withdrawals previously taken; and

(b) is the sum of all premiums paid to date at the time of withdrawal.

The sum of all pro-rata Surrender fees applicable to withdrawals will never exceed the amount of the Surrender fee at the time of the withdrawal. We will deduct any applicable pro-rata Surrender fee in the same manner that we deduct monthly deductions. If a Replacement fee will be deducted with respect to the surrender of this policy, any pro-rata portion of the Surrender fee which has been deducted during the first 7 policy years will be subtracted from the amount of the Replacement fee which would otherwise be deducted.

For example, assume a policy owner with the Surrender Fee Endorsement has taken a withdrawal for which we assessed a pro-rata Surrender fee of $1,000. If the policy is later replaced or exchanged after the Surrender fee charge period, and the applicable Replacement fee is determined to be $3,000, then we would assess a reduced Replacement fee equal to $2,000 ($3,000-$1,000).

Asset-based risk charge. A monthly charge to help cover sales, administrative and other costs. The charge is a percentage of that portion of your policy value allocated to investment accounts. This charge does not apply to the current fixed account.

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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. The charges that we currently apply to the Accelerated Benefit Rider and the Return of Premium Death Benefit Rider are less than the maximum charges and are subject to change; however, the current charges will never be more than the maximum charges shown. 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 deferred premium and Base Face Amount charges help to compensate us for the cost of selling our policies. The amount of the charges in any policy year does not specifically correspond to sales expenses for that year. We expect to recover our total sales expenses over the life of the policies. To the extent that the deferred premium and Base 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. Similarly, administrative expenses not fully recovered by the administrative charge may also be recovered from such other sources. We also may make a profit from any charge and can use any such profits to defray any of our expenses under the policies or for any other proper corporate purpose.

Unless we agree otherwise or you do not have sufficient funds in any fixed account or variable investment accounts, we deduct the monthly deductions from your policy’s variable investment accounts and any fixed account in proportion to the amount of policy value you have in each of those accounts.

Other Charges We Could Impose in the Future

Except for a portion of the deferred premium charge, we currently make no specific charge for our Federal income taxes. However, if we incur, or expect to incur, income taxes attributable to any subaccount of the Separate Account or this class of policies in future years, we reserve the right to make a charge for such taxes. Any such charge would reduce what you earn on any affected accounts. However, we expect that no such charge will be necessary.

Under current laws, we may incur state and local taxes (in addition to premium taxes) in several states. At present, these taxes are not significant. If there is a material change in applicable state or local tax laws, we may make charges for such taxes.

Our right to increase any charge up to the maximum rate shown in the policy specifications applies to then outstanding policies, as well as to policies issued after the increase.

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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 35% of target premium, and 5% of premium in excess of target, paid in the first policy year, 7% of target and 5% of excess premium paid in years 2-5, 5% of target and excess premium paid in years 6-10 and 0% thereafter. In addition, JH Distributors is expected to pay compensation in policy years 6-15 not exceeding 0.15% of the net cash surrender value and 0.10% of the net cash surrender value in years 16 and thereafter, with the net cash surrender value determined as of the end of each previous policy anniversary. You should consider that the amount of compensation paid to the selling broker-dealer will generally be less if you elect greater portions of Supplemental Face Amount at issue. 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. See “Premium Due Dates” above.

Reinstatement. By making a written request, you can reinstate a policy that has gone into default and terminated at any time within the three-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

34

(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

• Combining variable investment accounts

• Closing the variable investment accounts to new allocations or transfers

• Changes in the form of organization of any separate account

35

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.

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.

36

When the Insured Person Reaches 121

At and after the policy anniversary nearest the insured person’s 121st 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.

• Any Supplemental Face Amount will terminate.

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.

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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

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.

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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 NAV John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.66%*		-13.78		0.29		1.78
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 Table #2

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 NAV John Hancock Variable Trust Advisers LLC/T. Rowe Price Associates, Inc.	0.77%*		-38.05		5.22		11.76
To seek long-term growth of capital.	Capital Appreciation Trust - Series NAV John Hancock Variable Trust Advisers LLC/Jennison Associates LLC	0.76%		-37.59		8.29		12.97
To seek long-term capital appreciation.	Capital Appreciation Value Trust - Series NAV John Hancock Variable Trust Advisers LLC/T. Rowe Price Associates, Inc.	0.88%*		-11.87		8.85		10.66
To seek total return consisting of income and capital appreciation.	Core Bond Trust - Series NAV John Hancock Variable Trust Advisers LLC/Allspring Global Investments, LLC	0.63%		-13.62		-0.15		0.95
To seek long-term growth of capital.	Disciplined Value International Trust - Series NAV John Hancock Variable Trust Advisers LLC/Boston Partners Global Investors, Inc.	0.81%*		-4.75		1.25		3.62
To seek long-term capital appreciation.	Emerging Markets Value Trust - Series NAV John Hancock Variable Trust Advisers LLC/Dimensional Fund Advisors LP	1.05%*		-11.63		-0.44		1.29
To provide substantial dividend income and also long-term growth of capital.	Equity Income Trust - Series NAV John Hancock Variable Trust Advisers LLC/T. Rowe Price Associates, Inc.	0.72%*		-3.38		6.98		9.75

Appendix-2 App Table #2

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.	Financial Industries Trust - Series NAV John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.85%*		-13.61		5.27		9.45
To seek long-term growth of capital.	Fundamental All Cap Core Trust - Series NAV John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.71%		-24.26		8.31		12.35
To seek long-term capital appreciation.	Fundamental Large Cap Value Trust - Series NAV John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.72%*		-7.86		8.64		11.02
To seek long-term capital appreciation.	Global Equity Trust - Series NAV John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.88%*		-14.81		1.84		5.49
To seek long-term capital appreciation.	Health Sciences Trust - Series NAV John Hancock Variable Trust Advisers LLC/T. Rowe Price Associates, Inc.	0.99%*		-13.02		9.81		15.15
To realize an above-average total return over a market cycle of three to five years, consistent with reasonable risk.	High Yield Trust - Series NAV John Hancock Variable Trust Advisers LLC/Western Asset Management Company, LLC	0.79%*		-13.07		1.81		3.16
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 NAV John Hancock Variable Trust Advisers LLC/SSGA Funds Management, Inc.	0.34%*		-16.16		0.83		3.63
To seek long-term capital appreciation.	International Small Company Trust - Series NAV John Hancock Variable Trust Advisers LLC/Dimensional Fund Advisors LP	1.02%		-18.17		-0.20		5.38

Appendix-3 App Table #2

Investment Objective	Portfolio and Adviser/Subadviser	Current Expenses	Average Annual Total Returns (as of 12/31/22) (%)
			1-Year		5-Year		10-Year
To provide a high level of current income consistent with the maintenance of principal and liquidity.	Investment Quality Bond Trust - Series NAV John Hancock Variable Trust Advisers LLC/Wellington Management Company LLP	0.70%*		-14.88		-0.01		1.16
To seek a balance between a high level of current income and growth of capital, with a greater emphasis on growth of capital.	Lifestyle Balanced Portfolio - Series NAV John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.63%		-15.36		3.32		5.32
To seek a high level of current income with some consideration given to growth of capital.	Lifestyle Conservative Portfolio - Series NAV John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.65%*		-14.52		1.48		2.84
To seek long-term growth of capital. Current income is also a consideration.	Lifestyle Growth Portfolio - Series NAV John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.62%		-15.99		4.46		6.94
To seek a balance between a high level of current income and growth of capital, with a greater emphasis on income.	Lifestyle Moderate Portfolio - Series NAV John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.64%*		-15.08		2.71		4.53
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 NAV John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.75%		-14.98		1.32		3.94
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 NAV John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.73%		-14.72		0.27		2.26
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 NAV John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.78%		-14.79		1.19		4.26

Appendix-4 App Table #2

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 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 NAV John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.75%		-14.89		1.28		3.73
To seek long-term growth of capital.	Mid Cap Growth Trust - Series NAV John Hancock Variable Trust Advisers LLC/Wellington Management Company LLP	0.89%		-34.61		8.24		11.35
Seeks to approximate the aggregate total return of a mid cap U.S. domestic equity market index.	Mid Cap Index Trust - Series NAV John Hancock Variable Trust Advisers LLC/Manulife Investment Management (North America) Limited	0.40%*		-13.39		6.30		10.37
To seek long-term capital appreciation.	Mid Value Trust - Series NAV John Hancock Variable Trust Advisers LLC/T. Rowe Price Associates, Inc.	0.94%*		-4.30		6.85		10.47
To obtain maximum current income consistent with preservation of principal and liquidity.	Money Market Trust - Series NAV John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.28%*		1.34		1.05		0.60
To seek maximum total return, consistent with preservation of capital and prudent investment management.	Opportunistic Fixed Income Trust - Series NAV John Hancock Variable Trust Advisers LLC/Wellington Management Company LLP	0.86%*		-10.96		0.75		0.84
To seek to achieve a combination of long-term capital appreciation and current income.	Real Estate Securities Trust - Series NAV John Hancock Variable Trust Advisers LLC/Wellington Management Company LLP	0.75%*		-28.45		4.39		6.67
To seek long-term growth of capital. Current income is incidental to the fund’s objective.	Science & Technology Trust - Series NAV John Hancock Variable Trust Advisers LLC/T. Rowe Price Associates, Inc.	0.99%*		-35.64		8.62		14.89

Appendix-5 App Table #2

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 income and capital appreciation.	Select Bond Trust - Series NAV John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.60%*		-14.16		0.11		1.18
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 NAV John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.66%*		-6.43		-0.07		0.20
Seeks to approximate the aggregate total return of a small cap U.S. domestic equity market index.	Small Cap Index Trust - Series NAV John Hancock Variable Trust Advisers LLC/Manulife Investment Management (North America) Limited	0.48%*		-20.63		3.78		8.73
To seek long-term capital appreciation.	Small Cap Opportunities Trust - Series NAV John Hancock Variable Trust Advisers LLC/Dimensional Fund Advisors LP and GW&K Investment Management, LLC	0.84%*		-10.03		7.03		9.79
To seek long-term capital appreciation.	Small Cap Stock Trust - Series NAV John Hancock Variable Trust Advisers LLC/Wellington Management Company LLP	1.07%*		-31.13		6.72		9.76
To seek long-term capital appreciation.	Small Cap Value Trust - Series NAV John Hancock Variable Trust Advisers LLC/Wellington Management Company LLP	1.00%*		-10.25		3.24		7.74
To seek long-term growth of capital.	Small Company Value Trust - Series NAV John Hancock Variable Trust Advisers LLC/T. Rowe Price Associates, Inc.	1.18%*		-18.70		3.60		8.18
To seek a high level of current income.	Strategic Income Opportunities Trust - Series NAV John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.72%*		-10.05		0.78		2.48

Appendix-6 App Table #2

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 track the performance of the Bloomberg U.S. Aggregate Bond Index (the “Bloomberg Index”) (which represents the U.S. investment grade bond market).	Total Bond Market Trust - Series NAV John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.25%*		-13.36		-0.27		0.81
Seeks to approximate the aggregate total return of a broad U.S. domestic equity market index.	Total Stock Market Index Trust - Series NAV John Hancock Variable Trust Advisers LLC/Manulife Investment Management (North America) Limited	0.52%*		-20.34		8.08		11.46
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 NAV John Hancock Variable Trust Advisers LLC/Manulife Investment Management (US) LLC	0.61%*		-0.88		0.98		0.62
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
To seek to provide capital appreciation.	TOPS® Aggressive Growth ETF - Class 2 ValMark Advisers, Inc./Milliman Financial Risk Management, LLC	0.54%		-15.88		4.86		7.90
To seek to provide income and capital appreciation.	TOPS® Balanced ETF - Class 2 ValMark Advisers, Inc./Milliman Financial Risk Management, LLC	0.55%		-11.15		2.93		4.29
To seek to preserve capital and provide moderate income and moderate capital appreciation.	TOPS® Conservative ETF - Class 2 ValMark Advisers, Inc./Milliman Financial Risk Management, LLC	0.58%		-8.85		2.46		2.93
To seek to provide capital appreciation.	TOPS® Growth ETF - Class 2 ValMark Advisers, Inc./Milliman Financial Risk Management, LLC	0.55%		-14.70		4.33		6.80
To seek to provide capital appreciation.	TOPS® Moderate Growth ETF - Class 2 ValMark Advisers, Inc./Milliman Financial Risk Management, LLC	0.55%		-12.90		3.77		5.54

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

Appendix-7 App Table #2

JOHN HANCOCK USA SERVICE OFFICE

Overnight Express Delivery	Mail Delivery
Life Post Issue - Specialty Products John Hancock Insurance Company 410 University Avenue, 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. 333-152409

EDGAR Contract Identifier No. C000069370

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 in April 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)(1) Specimen Flexible Premium Variable Life Insurance policy, incorporated by reference to pre-effective amendment number 2, file number 333-152409, filed with the Commission on November 12, 2008.

Form of Policy Endorsement dated 2009, incorporated by reference to post-effective amendment number 2, file number 333-152406, filed with the Commission on April 30, 2010.

Forms of Policy Endorsement dated 2010, incorporated by reference to post-effective amendment number 3, file number 333-152409, filed with the Commission on May 28, 2010.

(2) Specimen Accelerated Benefit Rider, incorporated by reference to pre-effective amendment number 2, file number 333-152409, filed with the Commission on November 12, 2008.

(3) Specimen Change of Life Insured Rider, incorporated by reference to pre-effective amendment number 2, file number 333-152409, filed with the Commission on November 12, 2008.

(4) Specimen Overloan Protection Rider, incorporated by reference to pre-effective amendment number 2, file number 333-152409, filed with the Commission on November 12, 2008.

(5) Specimen Return of Premium Death Benefit Rider, incorporated by reference to pre-effective amendment number 2, file number 333-152409, filed with the Commission on November 12, 2008.

(e) Specimen policy application, incorporated by reference to pre-effective amendment number 2, file number 333-152409, filed with the Commission on November 12, 2008.

(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)(1) Reinsurance Agreement between John Hancock Life Insurance Company (U.S.A.) and Optimum Re Insurance Company incorporated by reference to pre-effective amendment number 2 file number 333-152409, filed with the Commission on November 21, 2008.

(2) Reinsurance Agreement between John Hancock Life Insurance Company (U.S.A.) and Transamerica Financial Life Insurance Company, incorporated by reference to pre-effective amendment number 2 file number 333-152409, filed with the Commission on November 21, 2008.

(3) Reinsurance Agreement between John Hancock Life Insurance Company (U.S.A.) and Munich American Reassurance Company, incorporated by reference to pre-effective amendment number 2 file number 333-152409.

(4) Reinsurance Agreement between John Hancock Life Insurance Company (U.S.A.) and Generali USA Life Reassurance Company, incorporated by reference to pre-effective amendment number 2, file number 333-152409, filed with the Commission on November 21, 2008.

(5) Reinsurance Agreement between John Hancock Life Insurance Company (U.S.A.) and Hannover Life Reassurance Company of America, incorporated by reference to pre-effective amendment number 2, file number 333-152409, filed with the Commission on November 21, 2008.

(6) Reinsurance Agreement between John Hancock Life Insurance Company (U.S.A.) and Swiss Re Life & Health America Inc., incorporated by reference to pre-effective amendment number 2, file number 333-152409, filed with the Commission on November 21, 2008.

(7) Reinsurance Agreement between John Hancock Life Insurance Company (U.S.A.) and Hanover Life Reassurance Company of America, incorporated by reference to post-effective amendment number 5, file number 333-179570, filed with the Commission on December 6, 2013.

(8) Reinsurance Agreement between John Hancock Life Insurance Company (U.S.A.) and Generali USA Life Reassurance Company of America, incorporated by reference to post-effective amendment number 5, file number 333-179570, filed with the Commission on December 6, 2013.

(9) Reinsurance Agreement between John Hancock Life Insurance Company (U.S.A.) and RGA Reinsurance Company, incorporated by reference to post-effective amendment number 5, file number 333-179570, filed with the Commission on December 6, 2013.

(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.

(h)(6) Participation Agreement between Northern Lights Variable Trust and John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York, incorporated by reference to post-effective amendment number 15, file number 333-152409, filed with the Commission on April 23, 2021.

(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 3, file number 333-152409, filed with the Commission on November 21, 2008.

(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 333-100597, filed December 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

Supplement Dated May 1, 2023
TO
Prospectuses Dated May 1, 2023

 

This Supplement is to be distributed with certain prospectuses for variable life insurance policies of John Hancock Life Insurance Company (U.S.A.) or John Hancock Life Insurance Company of New York.

The prospectuses involved bear the title “Accumulation SVUL,” “Accumulation Variable Universal Life,” “Accumulation Variable Universal Life 08,” “Accumulation Variable Universal Life 2014,” “Accumulation Variable Universal Life 2019,” “Corporate VUL,” “Corporate VUL 05,” “Corporate VUL 08,” “Medallion Variable Universal Life Plus,” “Medallion Variable Universal Life Edge,” “Medallion Variable Universal Life Edge II,” “Medallion Executive Variable Life,” “Medallion Executive Variable Life II,” “Medallion Executive Variable Life III,” “Performance Executive Variable Life,” “Performance Survivorship Variable Universal Life”, “Protection SVUL”, “Protection Variable Universal Life,” “Protection Variable Universal Life 09,” “Protection Variable Universal Life 2012,” “Variable Estate Protection,” “Variable Estate Protection Plus,” and “Variable Estate Protection Edge.” We refer to these prospectuses as the “Product Prospectuses.”

This supplement will be used only with policies sold through the product prospectuses and through registered representatives affiliated with the M Financial Group.

 

This Supplement is accompanied with a current prospectus for the M Fund, Inc. that contains detailed information about the funds. Be sure to read that prospectus before selecting any of the four additional variable investment options/investment accounts.

 

AMENDMENT TO PRODUCT PROSPECTUSES

The table in the Appendix of each product prospectus is amended to include the following four additional variable investment options/investment accounts: 

Investment Objective	Portfolio and Adviser/Subadviser	Current Expenses	Average Annual Total Returns (as of 12/31/22)(%)
			1-Year	5-Year	10-Year
Seeks to provide maximum capital appreciation.	M Capital Appreciation Fund M Financial Investment Advisers, Inc./Frontier Capital Management Company, LLC	1.00%	18.14	4.65	10.21
Seeks to provide long-term capital appreciation.	M International Equity Fund M Financial Investment Advisers, Inc./Dimensional Fund Advisors LP	0.68%	14.16	0.16	2.48
Seeks to provide long-term capital appreciation.	M Large Cap Growth Fund M Financial Investment Advisers, Inc./DSM Capital Partners LLC	0.76%	25.41	8.60	12.73
Seeks to provide long-term capital appreciation.	M Large Cap Value Fund M Financial Investment Advisers, Inc./Brandywine Global Investment Management, LLC	0.63%	1.45	5.80	9.35

* The portfolios’ annual expenses may reflect temporary fee or expense waivers or reimbursements.

VL M SUPP (4/2023)

1

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. 17 to the Registration Statement (Form N-6 No. 333-152409) 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 333-152409

Commissioners:

This opinion is being furnished with respect to the filing of Post-Effective No. 17 under the Securities Act of 1933 (Post-Effective Amendment No. 33 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

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