JOHN HANCOCK LIFE INSURANCE COMPANY VARIABLE ANNUITY ACCOUNT H JOHN HANCOCK LIFE INSURANCE COMPANY VARIABLE ANNUITY ACCOUNT U JOHN HANCOCK LIFE INSURANCE COMPANY VARIABLE ANNUITY ACCOUNT V JOHN HANCOCK VARIABLE LIFE INSURANCE COMPANY VARIABLE ACCOUNT I JOHN HANCOCK VARIABLE LIFE INSURANCE COMPANY VARIABLE ACCOUNT JF SUPPLEMENT DATED NOVEMBER 1, 2007 TO PROSPECTUSES DATED MAY 1, 2007 This Supplement is intended to supplement prospectuses dated May 1, 2007 that describe certain variable annuity contracts issued by John Hancock Life Insurance Company or by John Hancock Variable Life Insurance Company. The Prospectuses bear the title of one or more of the following variable annuity contracts: Accommodator Variable Annuity Patriot Variable Annuity Accommodator 2000 Variable Annuity Revolution Access Variable Annuity Declaration Variable Annuity Revolution Extra Variable Annuity Independence Variable Annuity Revolution Value Variable Annuity Independence 2000 Variable Annuity Revolution Value II Variable Annuity Independence Preferred Variable Annuity Wealth Builder Variable Annuity We call each of these prospectuses a "Product Prospectus." - -------------------------------------------------------------------------------- You should read this Supplement together with the Product Prospectus for the Contract you purchase, and retain both documents for future reference. If you would like another copy of the Product Prospectus, please contact our Annuities Service Office at 1-800-824-0335 to request a free copy. You may also visit our website at www.jhannuities.com. - -------------------------------------------------------------------------------- CHANGE IN OUR COMPANY RATINGS Effective September 25, 2007, we are amending and restating the disclosure of the "General Information about Us, the Separate Account and the Funds" section of the Prospectus that discusses our financial ratings. This revision reflects a change in our Moody's rating for both John Hancock Life Insurance Company and John Hancock Variable Life Insurance Company from Aa2 (Excellent in financial strength; 3rd category of 21) to Aa1 (Excellent in financial strength; 2nd category of 21): Our financial ratings are as follows: --------------------------------------------------------------- AAA Extremely strong financial security Standard & Poor's characteristics; 1st category of 21 A++ Superior companies have a very strong A.M. Best ability to meet their obligations; 1st category of 16 AA+ Very strong capacity to meet Fitch policyholder and contract obligations; 2nd category of 24 Aa1 Excellent in financial strength; 2nd Moody's category of 21 --------------------------------------------------------------- These ratings are current as of September 25, 2007 and are subject to change. They are assigned as a measure of our ability to honor any guarantees provided by the Contract, but not specifically to our products, the performance (return) of these products, the value of any investment in these products upon withdrawal or to individual securities held in the Separate Account or any Fund. 333-81103 033-82648 002-38827 033-64947 033-34813 333-84769 033-15672 333-84767 033-82646 333-81127