JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.)
SEPARATE ACCOUNTS H, Q, and W
JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK
SEPARATE ACCOUNT A
Supplement dated December 12, 2024 to PROSPECTUSES dated April 29, 2024
Changes to Variable Investment Options
This Supplement applies to INDEPENDENCE VARIABLE ANNUITY, INDEPENDENCE PREFERRED VARIABLE ANNUITY, INDEPENDENCE 2000 VARIABLE ANNUITY, REVOLUTION VALUE VARIABLE ANNUITY, VENTURE® VARIABLE ANNUITY, VENTURE III® VARIABLE ANNUITY, VENTURE VISION® VARIABLE ANNUITY, VENTURE VANTAGE® VARIABLE ANNUITY, WEALTHMARK VARIABLE ANNUITY, and WEALTHMARK ML3 VARIABLE ANNUITY Contracts issued by John Hancock Life Insurance Company (U.S.A.) or John Hancock Life Insurance Company of New York (the “Contracts”). It supplements the prospectus dated April 29, 2024 for the Contract you purchased (the “Annuity Prospectus”).
| You should read this Supplement together with the Annuity Prospectus and retain all documents for future reference. We define certain terms in this Supplement. If a term is not defined in this Supplement, it has the meaning given to it in the Annuity Prospectus. If you would like another copy of the Annuity Prospectus please contact our Annuities Service Center at 1-800-344-1029 to request a free copy. You may also visit our website at www.jhannuities.com.
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Changes to Current Expenses
Effective on December 12, 2024, there is a reduction in “Current Expenses” for the JHVIT Health Sciences Trust in the “Appendix:
Portfolios Available Under the Contract” section of the Annuity Prospectus.
Accordingly, the “Current Expenses” of the JHVIT Health Sciences Trust Series I portfolio are deleted in the “Appendix: Portfolios Available Under the Contract” section of each Annuity Prospectus and replaced with the following:
| Investment Objective | Portfolio and Adviser/Subadviser | Current Expenses |
Average Annual Total Returns (as of 12/31/23) (%) |
|||||||||||||||
| 1-Year | 5-Year | 10-Year | ||||||||||||||||
| To seek long-term capital appreciation. |
Health Sciences Trust – Series I | |||||||||||||||||
| John Hancock Variable Trust Advisers LLC/T. Rowe Price Associates, Inc. | 0.91 | %* | 4.25 | 10.52 | 10.89 | |||||||||||||
| * | This portfolio’s annual expenses reflect temporary fee or expense waivers or reimbursements. |
The “Current Expenses” of the JHVIT Health Sciences Trust Series II portfolio are deleted in the “Appendix: Portfolios Available Under the Contract” section of each Annuity Prospectus and replaced with the following:
| Investment Objective | Portfolio and Adviser/Subadviser | Current Expenses |
Average Annual Total Returns (as of 12/31/23) (%) |
|||||||||||||||
| 1-Year | 5-Year | 10-Year | ||||||||||||||||
| To seek long-term capital appreciation. |
Health Sciences Trust – Series II | |||||||||||||||||
| John Hancock Variable Trust Advisers LLC/T. Rowe Price Associates, Inc. | 1.11 | %* | 4.02 | 10.29 | 10.67 | |||||||||||||
The “Current Expenses” of the JHVIT Health Sciences Trust Series NAV portfolio are deleted in the “Appendix: Portfolios Available Under the Contract” section of each Annuity Prospectus and replaced with the following:
| Investment Objective | Portfolio and Adviser/Subadviser | Current Expenses |
Average Annual Total Returns (as of 12/31/23) (%) |
|||||||||||||||
| 1-Year | 5-Year | 10-Year | ||||||||||||||||
| To seek long-term capital appreciation. |
Health Sciences Trust – Series NAV | |||||||||||||||||
| John Hancock Variable Trust Advisers LLC/T. Rowe Price Associates, Inc. | 0.86 | %* | 4.26 | 10.56 | 10.94 | |||||||||||||
| * | This portfolio’s annual expenses reflect temporary fee or expense waivers or reimbursements. |
You should retain this Supplement for future reference.
Supplement dated December 12, 2024
| 12/24:VAPS72 | 333-70728 | 333-71074 | ||
| 333-70730 | 033-79112 | |||
| 333-70850 | 333-83558 | |||
| 333-71072 | 333-164145 | |||
| 333-164147 |