John Hancock Life Insurance Co (U.S.A.) Separate Account X

09/25/2026 | Press release | Distributed by Public on 09/25/2026 08:04

Prospectus by Investment Company (Form 497)

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

SEPARATE ACCOUNTS H, Q, R, T, W, AND X

JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK

SEPARATE ACCOUNT A

Supplement dated September 25, 2026 to the prospectus for your Contract

This Supplement applies to ACCOMMODATOR VARIABLE ANNUITY, ACCOMMODATOR 2000 VARIABLE ANNUITY, INDEPENDENCE PREFERRED VARIABLE ANNUITY, INDEPENDENCE 2000 VARIABLE ANNUITY, MARKETPLACE VARIABLE ANNUITY, PATRIOT VARIABLE ANNUITY, DECLARATION VARIABLE ANNUITY, REVOLUTION ACCESS VARIABLE ANNUITY, REVOLUTION EXTRA VARIABLE ANNUITY, REVOLUTION EXTRA II VARIABLE ANNUITY, REVOLUTION VALUE VARIABLE ANNUITY, REVOLUTION VALUE II VARIABLE ANNUITY, VENTURE VARIABLE ANNUITY, VENTURE VISION® VARIABLE ANNUITY, VENTURE VANTAGE® VARIABLE ANNUITY, VENTURE® STRATEGY VARIABLE ANNUITY, WEALTH BUILDER VARIABLE ANNUITY, and WEALTHMARK VARIABLE ANNUITY Contracts issued by John Hancock Life Insurance Company (U.S.A.) or John Hancock Life Insurance Company of New York (the "Contracts"). It supplements the prospectus for the Contract you purchased (the "Annuity Prospectus"). This Supplement must be preceded or accompanied by the Annuity Prospectus for your Contract. Please retain it for future reference.

You should read this Supplement together with the Annuity Prospectus and retain all documents for future reference. We define certain terms in this Supplement. If a term is not defined in this Supplement, it has the meaning given to it in the Annuity Prospectus. If you would like another copy of the Annuity Prospectus please contact our Annuities Service Center at 1-800-344-1029 to request a free copy. You may also visit our website at johnhancock.com/annuities.

Changes to Variable Investment Options

Effective August 1, 2026 (the "Effective Date"), there is a retroactive reduction in "Current Expenses" for the John Hancock Variable Insurance Trust ("JHVIT") Equity Income Trust in the "Appendix: Portfolios Available Under the Contract" section of the Annuity Prospectus.

Accordingly, the "Current Expenses" of the JHVIT Equity Income Trust Portfolio are updated as follows in the "Appendix: Portfolios Available Under the Contract" section of the Annuity Prospectus where each entry appears:

 Investment Objective  Portfolio and Adviser/Subadviser Current
Expenses

Average Annual Total

Returns

(as of 12/31/25) (%)

1-Year

5-Year

10-Year

To provide substantial dividend income and also long-term growth of capital.

Equity Income Trust - Series I

John Hancock Variable Trust Advisers

LLC/T. Rowe Price Associates, Inc.

0.76%* 14.39 11.10 10.47
To provide substantial dividend income and also long-term growth of capital.

Equity Income Trust - Series II

John Hancock Variable Trust Advisers

LLC/T. Rowe Price Associates, Inc.

0.96%* 14.18 10.88 10.25
To provide substantial dividend income and also long-term growth of capital.

Equity Income Trust - Series NAV

John Hancock Variable Trust Advisers

LLC/T. Rowe Price Associates, Inc.

0.71%* 14.42 11.15 10.52

* This portfolio's annual expenses reflect temporary fee or expense waivers or reimbursements.

You should retain this Supplement for future reference.

Supplement dated September 25, 2026

9/26: VAPS90 333-70864 333-138846 333-164140 333-164138 333-164147 333-164143 333-164146 333-164148
333-61283 033-46217 333-164137 333-164139 333-164134 333-164144 333-164142 333-164136
333-164135 333-164141
John Hancock Life Insurance Co (U.S.A.) Separate Account X published this content on September 25, 2026, and is solely responsible for the information contained herein. Distributed via EDGAR on September 25, 2026 at 14:04 UTC. If you believe the information included in the content is inaccurate or outdated and requires editing or removal, please contact us at [email protected]