SUPPLEMENTARY BENEFIT

                             CASH VALUE ENHANCEMENT

This benefit is part of your policy. Except where the benefit provides
otherwise, it is subject to all the provisions of your policy.

Effective Date. The benefit takes effect on the Policy Date.

Benefit. This benefit enhances the Cash Surrender Value accumulated under the
policy during the Surrender Charge Period. The enhancement will apply only in
determining the Net Cash Surrender Value on a full surrender, and under the
Default provision of the policy.

The benefit enhances the Cash Surrender Value by providing for the deduction of
a Surrender Charge that is less than the amount that would otherwise have been
deducted.

The enhancement in Cash Surrender Value is equal to the Surrender Charge
multiplied by the applicable Cash Value Enhancement Factor in the following
table.

                  Table of Cash Value Enhancement Factors

               Policy Year                Applicable Factor
                    1                            90%
                    2                            80%
                    3                            60%
                    4                            40%
                    5                            20%
            6 and thereafter                      0%

Benefit Cost. A one-time charge of $500.00 is payable in full at issue in order
for the benefit to take effect.

Exceptions. This benefit is not applicable to:

(a)  policy loans;

(b)  partial Net Cash Surrender Value withdrawals; and

(c)  surrenders and exchanges to transfer to another policy under the Internal
     Revenue Code Section 1035.

Termination. This benefit terminates when the policy terminates. It cannot be
terminated prior to the policy.

                                    JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.)

                                                 /s/ John D. DesPrez III
                                                 ------------------------------
                                                     President