Exhibit 4(l)   Form of Endorsement


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                  JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.)
                      601 CONGRESS STREET, BOSTON, MA 02210

ENDORSEMENT

As a result of the merger of John Hancock Variable Life Insurance Company into
John Hancock Life Insurance Company (U.S.A.), this Endorsement attaches to and
forms part of Your Contract, Policy or Certificate, and amends it as follows:

     -    All references to the name John Hancock Variable Life Insurance
          Company are changed to John Hancock Life Insurance Company (U.S.A.).

     -    Any references to Boston, Massachusetts as the statutory office are
          changed to Bloomfield Hills, Michigan. The headquarters, however,
          remains in Boston, Massachusetts, and other administrative or service
          offices are also not changed.

     -    All the terms, provisions and conditions of Your Contract, Policy or
          Certificate remain unchanged except as described in this endorsement.

     -    The address to send premium payments, obtain claims forms, and file
          claims remains unchanged.

Signed for the Company on December 31, 2009:

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


By: /s/ James R. Boyle                  /s/ Emanuel Alves

    PRESIDENT                           SECRETARY

EndJHV2009


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