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

SEPARATE ACCOUNTS A, N, S, U, AND UV

JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK

SEPARATE ACCOUNT B

Supplement dated December 12, 2024 to the Statutory Prospectuses,

Updating Summary Prospectuses, and Initial Summary Prospectuses,

dated April 29, 2024

Changes to Variable Investment Options

This Supplement is intended for distribution with the Statutory Prospectuses, Updating Summary Prospectuses, and Initial Summary Prospectuses, as applicable, (each a “prospectus”) dated April 29, 2024 for variable life insurance contracts issued by John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York, as applicable. The affected prospectuses belong to the following policies:

Changes to Current Expenses

Effective on or about December 12, 2024, there is a reduction in “Current Expenses” for the JHVIT Disciplined Value International Trust and JHVIT Health Sciences Trust in the “Appendix: Portfolios Available Under the Contract” section of the prospectus. Refer to the Appendix in your policy prospectus for the appropriate series applicable to your policy.

Accordingly, the “Current Expenses” of the JHVIT Disciplined Value International Trust and JHVIT Health Sciences Trust Series NAV portfolios are deleted in the “Appendix: Portfolios Available Under the Contract” section of each prospectus and replaced with the following:

The “Current Expenses” of the JHVIT Disciplined Value International Trust and JHVIT Health Sciences Trust Series I portfolios are deleted in the “Appendix: Portfolios Available Under the Contract” section of each prospectus and replaced with the following:

You should read this supplement together with the prospectus for the contract you purchased and retain both documents for future reference.

Prior to making any investment decisions, you should carefully review your product prospectus and all applicable supplements. In addition, you should review the prospectuses and applicable supplements for the underlying portfolios that we make available as investment options under the policies. The prospectuses describe the investment objectives, policies and restrictions of, and the risks relating to, investment in the portfolios. In the case of any of the portfolios that are operated as feeder funds, you should also review the prospectus for the corresponding master fund. If you need to obtain additional copies of any of these documents, please contact your representative or contact our Service Office at the address or telephone number on the back page of your product prospectus.

VLI ProdSupp VL 12/2024