JHLICO A - Protection Variable Universal Life 2021

As filed with the U.S. Securities and Exchange Commission on July 18, 2022
Registration No. 333-248502

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

FORM N-6

SEC File No 811-4834

REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933
POST EFFECTIVE AMENDMENT NO. 3 [X]

REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940
AMENDMENT NO. 119 [X]

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

(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

JAMES C. HOODLET
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):

[X] immediately upon filing pursuant to paragraph (b)
[ ] on ______, 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.

This Supplement is intended for distribution with prospectuses dated April 25, 2022 or later for variable life insurance contracts issued by John Hancock Life Insurance Company (U.S.A.). The affected prospectuses bear the titles:

This supplement concerns an Accelerated Death Benefit for Chronic Illness rider that, except as set forth herein, will be available to be added at the time of issue for policies issued on or after July 18, 2022. For that purpose:

• Accelerated Death Benefit for Chronic Illness 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 is unable to perform at least two activities of daily living without substantial human assistance or has a severe cognitive impairment. The decision to add this rider must be made at issuance of the policy.

The maximum amount of death benefit that may be accelerated under this rider is the lesser of 75% of the policy’s death benefit at the time of first acceleration or $1,000,000. Accelerations may be requested no more frequently than once every 12 months, until the maximum amount has been accelerated. Each acceleration under the rider reduces the remaining death benefit under your policy and causes a proportionate reduction in your policy value. Payments under this rider are restricted to the annualized IRS per diem limit under IRC Section 7702B. If the acceleration requested would result in a payment greater than the annualized IRS per diem limit, then the accelerated benefit amount will be reduced accordingly.

Example: Assume that your policy has a death benefit of $100,000 at the time that you request your first acceleration under this rider. If you elect to take the maximum accelerated benefit of 75%, the amount of such rider benefit will be $100,000 x 75% = $75,000. If you submit the claim prior to the insured person’s date of death, you will receive $75,000, less actuarially-determined amounts to compensate us for (a) a portion of the policy’s monthly deductions that otherwise would have been payable based on the insured person’s life expectancy and (b) our cost (in the form of discounted interest) of making the payment sooner than we otherwise would, based on the insured person’s life expectancy. The policy’s death benefit will be reduced by $75,000.

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 acceleration is $75,000, then the indebtedness will be reduced by $7,500 = $10,000 x ($75,000/$100,000).

Accelerated Death Benefit for Chronic Illness Rider. If you have elected the Accelerated Death Benefit for Chronic Illness 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(g) of the Code. This rider is intended to meet these standards. However, there are circumstances when the rider benefit payment may be included in gross income. For example, this can happen if more than one payee received payments with respect to the same insured. You should seek additional information from your tax advisor before making a claim under this rider.

You should read this Supplement together with the prospectus for your policy and retain both for future reference.

Prior to making any investment decisions, you should carefully review your product prospectus and all applicable supplements. In addition, you should review the prospectuses and applicable supplements for the underlying portfolios that we make available as investment options under the policies. The prospectuses describe the investment objectives, policies and restrictions of, and the risks relating to, investment in the portfolios. In the case of any of the portfolios that are operated as feeder funds, you should also review the prospectus for the corresponding master fund. If you need to obtain additional copies of any of these documents, please contact your representative or contact our Service Office at the address or telephone number on the back page of your product prospectus.

Item 31. Directors and Officers of the Depositor is amended to add the following additional Director:

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 18th day of July, 2022.

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 18th day of July, 2022.


Riders	States with Variation	Description of Variations
Accelerated Death Benefit for Chronic Illness Rider	CA	Not available


Signatures		Title

/s/ Simonetta Vendittelli		Vice President and Controller
Simonetta Vendittelli

/s/ Martin Sheerin		Senior Vice President and Chief Financial Officer
Martin Sheerin

/s/ Marianne Harrison		Chair, President and Chief Executive Officer
Marianne Harrison

*		Director
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
Brooks Tingle

*		Director
Shamus Weiland

*		Director
Henry H. Wong


Accumulation Variable Universal Life 2021		Protection Variable Universal Life 2021

Majestic Accumulation Variable Universal Life 2021