POWER OF ATTORNEY

     I, James R. Boyle, in my capacity as a Director of John Hancock Life
Insurance Company (U.S.A.) (the "Company"), do hereby constitute and appoint
John D. DesPrez III, Lynne Patterson, Emanuel Alves, John J. Danello, Arnold R.
Bergman, Thomas J. Loftus and James C. Hoodlet 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
Statement 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 Statement 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 Annuity Registration Statement filed under the Securities Act of
1933: 333-_______[GIFL Select IRA Rollover]

     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 February
16, 2010 and remains in effect until revoked or revised.

SIGNATURE                                   TITLE      DATE


/s/ James R. Boyle                          Director   February 16, 2010
-----------------------------------------
James R. Boyle



                                POWER OF ATTORNEY

     I, Ruth Ann Fleming, in my capacity as a Director of John Hancock Life
Insurance Company (U.S.A.) (the "Company"), do hereby constitute and appoint
John D. DesPrez III, Lynne Patterson, Emanuel Alves, John J. Danello, Arnold R.
Bergman, Thomas J. Loftus and James C. Hoodlet 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
Statement 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 Statement 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 Annuity Registration Statement filed under the Securities Act of
1933: 333-_______ [GIFL Select IRA Rollover]

     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 February
16, 2010 and remains in effect until revoked or revised.

SIGNATURE                                   TITLE      DATE


/s/ Ruth Ann Fleming                        Director   February 16, 2010
-----------------------------------------
Ruth Ann Fleming



                                POWER OF ATTORNEY

     I, James D. Gallagher, in my capacity as a Director of John Hancock Life
Insurance Company (U.S.A.) (the "Company"), do hereby constitute and appoint
John D. DesPrez III, Lynne Patterson, Emanuel Alves, John J. Danello, Arnold R.
Bergman, Thomas J. Loftus and James C. Hoodlet 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
Statement 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 Statement 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 Annuity Registration Statement filed under the Securities Act of
1933: 333-_______ [GIFL Select IRA Rollover]

     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 February
16, 2010 and remains in effect until revoked or revised.

SIGNATURE                                   TITLE      DATE


/s/ James D. Gallagher                      Director   February 16, 2010
-----------------------------------------
James D. Gallagher



                                POWER OF ATTORNEY

     I, Scott S. Hartz, in my capacity as a Director of John Hancock Life
Insurance Company (U.S.A.) (the "Company"), do hereby constitute and appoint
John D. DesPrez III, Lynne Patterson, Emanuel Alves, John J. Danello, Arnold R.
Bergman, Thomas J. Loftus and James C. Hoodlet 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
Statement 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 Statement 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 Annuity Registration Statement filed under the Securities Act of
1933: 333-_______[GIFL Select IRA Rollover]

     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 February
16, 2010 and remains in effect until revoked or revised.

SIGNATURE                                   TITLE      DATE


/s/ Scott S. Hartz                          Director   February 16, 2010
-----------------------------------------
Scott S. Hartz



                                POWER OF ATTORNEY

     I, Bradford J. Race, Jr., in my capacity as a Director of John Hancock Life
Insurance Company (U.S.A.) (the "Company"), do hereby constitute and appoint
John D. DesPrez III, Lynne Patterson, Emanuel Alves, John J. Danello, Arnold R.
Bergman, Thomas J. Loftus and James C. Hoodlet 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
Statement 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 Statement 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 Annuity Registration Statement filed under the Securities Act of
1933: 333-_______ [GIFL Select IRA Rollover]

     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 February
16, 2010 and remains in effect until revoked or revised.

SIGNATURE                                   TITLE      DATE


/s/ Bradford J. Race, Jr.                   Director   February 16, 2010
-----------------------------------------
Bradford J. Race, Jr.



                                POWER OF ATTORNEY

     I, Rex Schlaybaugh, Jr., in my capacity as a Director of John Hancock Life
Insurance Company (U.S.A.) (the "Company"), do hereby constitute and appoint
John D. DesPrez III, Lynne Patterson, Emanuel Alves, John J. Danello, Arnold R.
Bergman, Thomas J. Loftus and James C. Hoodlet 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
Statement 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 Statement 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 Annuity Registration Statement filed under the Securities Act of
1933: 333-_______ [GIFL Select IRA Rollover]

     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 February
16, 2010 and remains in effect until revoked or revised.

SIGNATURE                                   TITLE      DATE


/s/ Rex Schlaybaugh, Jr.                    Director   February 16, 2010
-----------------------------------------
Rex Schlaybaugh, Jr.



                                POWER OF ATTORNEY

     I, John G. Vrysen, in my capacity as a Director of John Hancock Life
Insurance Company (U.S.A.) (the "Company"), do hereby constitute and appoint
John D. DesPrez III, Lynne Patterson, Emanuel Alves, John J. Danello, Arnold R.
Bergman, Thomas J. Loftus and James C. Hoodlet 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
Statement 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 Statement 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 Annuity Registration Statement filed under the Securities Act of
1933: 333-_______ [GIFL Select IRA Rollover]

     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 February
16, 2010 and remains in effect until revoked or revised.

SIGNATURE                                   TITLE      DATE


/s/ John G. Vrysen                          Director   February 16, 2010
-----------------------------------------
John G. Vrysen