JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.)
SEPARATE ACCOUNT H
JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK
SEPARATE ACCOUNT A
Supplement dated August 24, 2026 to the prospectus for your Contract
This Supplement applies to ANNUITYNOTE PORTFOLIOS A SHARE VARIABLE ANNUITY, ANNUITYNOTE PORTFOLIOS C SHARE VARIABLE ANNUITY, ANNUITYNOTE PORTFOLIOS ADV VARIABLE ANNUITY, ANNUITYNOTE SERIES I A SHARE VARIABLE ANNUITY, and ANNUITYNOTE SERIES I NAV 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 for the Contract you purchased (the “Annuity Prospectus”). This Supplement must be preceded or accompanied by the Annuity Prospectus for your Contract. Please retain it for future reference.
| 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 johnhancock.com/annuities. |
Portfolio Reorganization
The purpose of this Supplement is to notify of a portfolio reorganization. At its meeting held from March 23-26, 2026, the Board of Trustees for the John Hancock Variable Insurance Trust (“JHVIT”) approved a plan of reorganization for vote by affected Contract Owners. If the plan for reorganization is approved by Contract Owners, the reorganization will occur at the close of business on or about October 30, 2026 (“Reorganization Date”). On the Reorganization Date, the following “Acquired Portfolios” will be reorganized into the “Acquiring Portfolios”:
| Acquired Portfolio | Acquiring Portfolio | |
| Managed Volatility Balanced Portfolio – Series NAV | Lifestyle Balanced Portfolio – Series NAV | |
| Managed Volatility Balanced Portfolio – Series II | Lifestyle Balanced Portfolio – Series II | |
| Managed Volatility Conservative Portfolio – Series NAV | Lifestyle Conservative Portfolio – Series NAV | |
| Managed Volatility Conservative Portfolio – Series II | Lifestyle Conservative Portfolio – Series II | |
| Managed Volatility Growth Portfolio – Series NAV | Lifestyle Growth Portfolio – Series NAV | |
| Managed Volatility Growth Portfolio – Series II | Lifestyle Growth Portfolio – Series II | |
| Managed Volatility Moderate Portfolio – Series NAV | Lifestyle Moderate Portfolio – Series NAV | |
| Managed Volatility Moderate Portfolio – Series II | Lifestyle Moderate Portfolio – Series II |
As a result, after October 30, 2026, the Variable Investment Options corresponding to Lifestyle Balanced Portfolio – Series NAV and Series II, Lifestyle Conservative Portfolio – Series NAV and Series II, Lifestyle Growth Portfolio – Series NAV and Series II, and Lifestyle Moderate Portfolio – Series NAV and Series II will replace the Variable Investment Options corresponding to Managed Volatility Balanced Portfolio – Series NAV and Series II, Managed Volatility Conservative Portfolio – Series NAV and Series II, Managed Volatility Growth Portfolio – Series NAV and Series II, and Managed Volatility Moderate Portfolio – Series NAV and Series II, respectively. After that date, you will no longer be able to allocate Contract Value or any Purchase Payments to the Managed Volatility – Series NAV and Series II Portfolios. Any Contract Value allocated to the Managed Volatility – Series NAV and Series II Portfolios will be allocated to the corresponding Lifestyle – Series NAV and Series II Portfolios, respectively.
Upon completion of the mergers, all references to the Managed Volatility Portfolios will be deleted from the Prospectus.
Please note the following information regarding the Reorganization:
| ● | For forty-five (45) days before the Reorganization Date, you may make a one-time transfer of any or all Contract Value allocated to the Acquired Portfolio to any other Variable Investment Option available under your Contract without the transfer counting against the monthly transfer limit. |
| ● | For forty-five (45) days after the Reorganization Date, you may transfer any Contract Value allocated to the Acquiring Portfolio to any Variable Investment Option available under your Contract without the transfer counting against the monthly transfer limit. |
| ● | A transfer request may be made through our website at johnhancock.com/annuities, by sending in a transfer request form, or by telephone at 800-344-1029. |
| ● | The Acquiring Portfolio will replace the Acquired Portfolio in any standing allocation instructions that you have on file. If you are currently enrolled in a Dollar Cost Averaging or Asset Rebalancing Program and have designated an amount to be transferred monthly into the Acquired Portfolio, after the Reorganization Date, that amount that you have designated to the Acquired Portfolio will be transferred to the Acquiring Portfolio. You should work with your financial representative to determine if your existing allocation instructions should be changed before or after the Reorganization Date. |
You should retain this Supplement for future reference.
Supplement dated August 24, 2026
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