EXHIBIT 24(b)(15)(ii)

                               POWER OF ATTORNEY

     I, Steven Finch, in my capacity as a Director of John Hancock Life
Insurance Company (U.S.A.) (the "Company"), do hereby constitute and appoint
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 Statements
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 Statements 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: 333-70850 (Venture III)

     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 July 2,
2010 and remains in effect until revoked or revised.



SIGNATURE                                 TITLE        DATE
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/s/ Steven Finch                        Director   July 2, 2010
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Steven Finch