UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                   FORM 24f-2
                        Annual Notice of Securities Sold
                             Pursuant to Rule 24f-2

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1.   Name and address of issuer:

          John Hancock Life Insurance Company (U.S.A.) Separate Account M
          John Hancock Life Insurance Company (U.S.A.)
          601 Congress Street
          Boston, Massachusetts 02210

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2.   The name of each series or class of securities for which this Form is filed
     (If the Form is being filed for all series and classes of securities of the
     issuer, check the box but do not list series or classes):               [x]

          Variable Insurance Contracts

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3.   Investment Company Act File Number: 811-05179

     Securities Act File Number: 333-76166 and 333-76164

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4(a). Last day of fiscal year for which this Form is filed : December 31, 2009

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4(b).[ ]  Check box if this Form is being filed late (i.e., more than 90
          calendar days after the end of the issuers fiscal year).
         (See Instruction A.2)

Note: If the Form is being filed late, interest must be paid on the registration
fee due.

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4(c) [ ]  Check box if this is the last time the issuer will be filing this
          Form.

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5.   Calculation of registration fee:

     (i)  Aggregate sale price of securities
          sold during the fiscal year pursuant
          to section 24 (f):                                      $      84,549

     (ii) Aggregate price of securities
          redeemed or repurchased during the
          fiscal year:                            $  (4,197,253)

     (iii) Aggregate price of securities
          redeemed or repurchased during any
          prior fiscal year ending no earlier
          than October 11, 1995 that were not
          previously used to reduce
          registration fees payable to the
          Commission:                             $(250,112,160)

     (iv) Total available redemption credits
          [add items 5(ii) and 5(iii)]:                           $(254,309,413)

     (v)  Net sales -- if Item 5(i) is greater
          than Item 5(iv) [subtract Item 5(iv)
          from Item 5(i)]                                         $           0



     (vi) Redemption credits available for use
          in future years -- if Item 5(i) is
          less than Item 5(iv) [subtract Item
          (iv) from Item 5(i)]:                   $(254,224,864)

     (vii) Multiplier for determining
          registration fee (See Instruction
          C.9):                                                 x     .00007130

     (viii) Registration fee due [multiply Item
          5(v) by Item 5(vii)] (enter "0" if no
          fee is due):                                          = $           0
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6.   Prepaid Shares

     If the response to Item 5(i) was determined by deducting an amount of
     securities that were registered under the Securities Act of 1933 pursuant
     to rule 24e-2 as in effect before October 11, 1997, then report the amount
     of securities (number of shares or other units) deducted here:
     ____________________. If there is a number of shares or other units that
     were registered pursuant to rule 24e-2 remaining unsold at the end of the
     fiscal year for which this form is filed that are available for use by the
     issuer in future fiscal years, then state that number here:
     ____________________.

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7.   Interest due -- if this Form is being filed more than 90 days after the end
     of the issuer's fiscal year (see Instruction D):
                                                                + $           0

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8.   Total of the amount of the registration fees due plus any interest due
     [line 5(viii) plus line 7]:
                                                                = $           0

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9.   Date the registration fee and any interest payment was sent to the
     Commission's lockbox depository:                                       N/A

          Method of Delivery:

          [ ]  Wire Transfer

          [ ]  Mail or other means
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                                   SIGNATURES

This report has been signed below by the following persons on behalf of the
issuer and in the capacities and on the dates indicated.


By (Signature and Title) /s/ Janet Wyman
                         -------------------------------------------------------
                         By: Janet Wyman
                             Accounting Director

Date: March 26, 2010