Exhibit 4(a)(i)
 JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.)
Bloomfield Hills, Michigan
    
    (JOHN HANCOCK LOGO)
 Overnight Mailing Address:
    
    Annuity Service Office:[164 Corporate Drive
    
    [P.O. Box 9505Portsmouth, NH 03801-6815]
    
    Portsmouth, NH 03802-9505For Inquiries or Assistance inResolving Complaints:1-800-344-1029www.jhannuities.com]
 This is a legal Contract  read it carefully.
 We agree
 This Contract
  FIFTEEN DAY RIGHT TO REVIEW
 The Owner may cancel the Contract by returning it to our Annuity Service Office or the agent at any
time within 15 days after receipt of the Contract. Within 7 days of receipt of the Contract by us,
we will pay the Account Value to the Owner, adjusted by any Market Value Adjustment, if applicable,
computed on the Date the Contract is received by us. The Market Value Adjustment will only be
applied where the change in the Guaranteed Margin, as determined in accordance with the formula in
the Specifications Page, is greater than or equal to 0.25%. If the purchase of this Contract
involves the replacement of any existing life insurance or annuity, then the right to review
provision is extended to 30 days.
 When the Contract is issued as an individual retirement annuity under Section 408 or Section 408A
of the Code, or as otherwise required by applicable law, during the first 7 days of the Right to
Review period, we will return the amount equal to the Payment made for the Contract, if greater
than the Account Value described above.
  Signed for us
 [(SIGNATURE)]
    

[(SIGNATURE)]President
    
    Secretary
 SINGLE PREMIUM MODIFIED GUARANTEE INFLATION INDEXED DEFERRED ANNUITY
NON-PARTICIPATING
 AMOUNTS PAYABLE UNDER THIS CONTRACT MAY BE SUBJECT TO AN UPWARD OR DOWNWARD MARKET VALUE ADJUSTMENT
(SEE PART 6, PAGE 7 and Specifications Page S.2). AMOUNTS WITHDRAWN UNDER THIS CONTRACT MAY BE
SUBJECT TO AN EARLY WITHDRAWAL CHARGE (SEE PART 8, PAGE 8 and Specifications Page S.3). THIS
CONTRACT MAY CONTAIN A BENEFIT THAT WAIVES WITHDRAWAL CHARGES.




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INTRODUCTION
    TABLE OF CONTENTS
 PAGEPART 1  DEFINITIONS
    
    
    3PART 2  GENERAL PROVISIONS
    
    
    5PART 3  OWNER, BENEFICIARY
    
    
    6PART 4  PAYMENT
    
    
    7PART 5  INITIAL AND SUBSEQUENT TERM
    
    
    7PART 6  MARKET VALUE ADJUSTMENT (MVA)
    
    
    7PART 7  INTEREST ON ACCOUNT VALUE
    
    
    8PART 8  WITHDRAWAL(S)
    
    
    8PART 9  FEES AND DEDUCTIONS
    
    
    9PART 10  DEATH BENEFITS
    
    
    9PART 11  ANNUITY PAYMENTS
    
    
    10




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PART 1: DEFINITIONS
 WE AND YOU
    
    We, us and our means the Company. You or your means the
Owner of this Contract.ACCOUNT VALUE
    
    The amount we hold under this Contract for you at any given time. On
the Contract Date, the Account Value is equal to the Payment.
Thereafter, we determine the Account Value as specified in the
Contract, Part 7: Interest on Account Value.ANNUITANT
    
    Any individual person or persons whose life is used to determine the
duration of Annuity Payments involving life contingencies. The
Annuitant is as designated on the Specifications Page, unless changed
prior to the Maturity Date.ANNUITY OPTION
    
    The method selected by you for Annuity Payments made by us.ANNUITY PAYMENT(S)
    
    Periodic payment(s) by us to you or your designated Payee, which
generally commence on or after the Maturity Date and are in
accordance with the Annuity Option elected under the terms of this
Contract.ANNUITY SERVICE OFFICE
    
    Any office designated by us for the receipt of Payment and processing
of Owner requests. The Annuity Service Office is shown on the
Contract Cover Page.BENEFICIARY
    
    The person, persons or entity to whom certain benefits are payable
following the death of an Owner, or if the Owner is a non natural
person, an Annuitant.CONTRACT ANNIVERSARY
    
    The anniversary of the Contract beginning twelve consecutive months
from the Contract Date and each year thereafter.CONTRACT DATE
    
    The date of issue of this Contract as designated on the Specifications
Page.CONTRACT YEAR
    
    The period of time measured twelve consecutive months from the
Contract Date or any Contract Anniversary thereafter.CONTINGENT BENEFICIARY
    
    The person, persons or entity, who becomes the Beneficiary if the
Beneficiary is not alive when a benefit is due and payable.[CPI MVA] SEPARATE ACCOUNT
    
    A non-registered separate account that we established within the
General Account and in which we hold reserves for our guarantees
under the Contract. Our other General Account assets are also
available to meet the guarantees under the Contract and our other
general obligations. The assets of the [CPI MVA] Separate Account
are subject to the liabilities that arise out of the other business that we
conduct.CPI-U
    
    As used in this Contract, the CPI-U is referring to the broadest and
most comprehensive CPI-U which is called the All Items Consumer
Price Index for All Urban Consumers (CPI-U) for the U.S. City
Average. It is published monthly by the Department of Labor and
reflects spending patterns of almost all residents of urban or
metropolitan areas. If this index is discontinued or if the calculation is
changed substantially the Company may substitute a comparable
index.DECLARED INTEREST RATE
    
    The interest credited on any given day will be at a rate that, if
compounded daily for one year, would equal the rate we declare for
the first year of any selected Term under the terms of the Contract, as
shown on the Specifications Page of the Contract.
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ENDORSEMENT
    
    An Endorsement modifies the Contract to which it is attached.
Endorsements must be signed by an officer of the Company in order to
be effective.FLOOR RATE
    
    The minimum rate of interest the Company will credit to the Contract
regardless of the year-over-year movement in the CPI-U. The Floor
Rate applicable to you will appear on the Specifications Page.FREE WITHDRAWAL AMOUNT
    
    The amount of the Account Value not subject to withdrawal charges or
a MVA as described in Part 8.GENERAL ACCOUNT
    
    All of the Companys assets, other than the assets in segregated asset
accounts, which are maintained as insulated separate accounts
under applicable law.GROSS WITHDRAWAL AMOUNT
    
    The amount deducted from the Account Value for a full or partial
withdrawal. For a full withdrawal such amount is the Account Value.
For a partial withdrawal, the Gross Withdrawal Amount is the amount
you request plus any applicable Withdrawal Charge and adjusted by
any applicable Market Value Adjustment.GUARANTEED MARGIN
    
    A rate that is used to determine the Indexed Crediting Rate and the
Market Value Adjustment factor. This rate remains constant for the
Term. This rate will be shown on the Specifications Page of the
Contract.INDEXED CREDITING RATE
    
    The crediting rate that is based on annual changes in the CPI-U
adjusted by the Guaranteed Margin which starts in the second year of
each Term. If the crediting rate is limited, the limit(s) will be noted in
the Specifications Page.IN WRITING
    
    Unless otherwise stated, means a notice provided in a format
acceptable to us based on the type of request, which is received at
our Annuity Servicing Office.INTERNAL REVENUE CODE (CODE)
    
    The Internal Revenue Code of 1986, as amended from time to time,
and any successor statute of similar purposes.INITIAL TERM
    
    The period of time that you select on the application form, beginning on
the Contract Date. The Initial Term continues for the period shown on
the Specifications Page of the Contract.MATURITY DATE
    
    The date on which Annuity Payments are scheduled to commence. It
is the date specified on the Specifications Page, unless changed.OWNER(S)
    
    The person, persons or entity entitled to the ownership rights under
this Contract. The Owner is as designated on the Specifications Page,
unless changed.PAYEE
    
    Any of the person(s) or entity to whom Annuity Payments are to be
made.PAYMENT
    
    An amount paid to us by you that we accept as consideration for the
benefits provided by this Contract. The Payment may consist of
multiple components that we might receive on different dates if your
purchase is part of a tax-free exchange pursuant to Code Section 1035
or a trustee-to-trustee transfer of Qualified Plan funds. The single
Payment may only be received by us within the first sixty days from the
Contract Date.QUALIFIED CONTRACT
    
    A Contract issued under a Qualified Plan.QUALIFIED PLAN
    
    A retirement plan, which receives favorable tax treatment under
sections 401, 403, 408, 408A, 414 or 457, of the Internal Revenue
Code of 1986, as amended.
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RATE CAP
    
    The maximum Indexed Crediting Rate we will credit to the Contract
regardless of the year-over-year movement in the CPI-U. The Rate
Cap may vary by Term and premium band. The Rate Cap, if
applicable, will appear on the Specifications Page.SUBSEQUENT TERM
    
    A period of time beginning on the day following expiry of the
immediately preceding Term.TERM
    
    The Initial Term or a Subsequent Term.
 PART 2: GENERAL PROVISIONS
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PART 3: OWNER, BENEFICIARY
    Page 6




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PART 4: PAYMENT
    PART 5: INITIAL AND SUBSEQUENT TERM
       Page 7




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PART 6: MARKET VALUE ADJUSTMENT (MVA)
   PART 7: INTEREST ON ACCOUNT VALUE
   PART 8: WITHDRAWALS
    1 2
     1)
    
    The Free Withdrawal Amount is defined above and may be withdrawn free of a Withdrawal
Charge and is not subject to a Market Value Adjustment.2)
    
    Any amounts withdrawn in excess of the Free Withdrawal Amount will be subject to a
Withdrawal Charge, if any. The Withdrawal Charge is determined by multiplying the Gross
Withdrawal Amount, less any annual administration fee and Free Withdrawal Amount, by the
applicable Withdrawal Charge percentage shown on the Specifications Page.
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3)
    
    No Withdrawal Charge will apply to withdrawals made at the end of a Term as described in
Part 5: Initial Term and Subsequent Term. A request for withdrawal at the end of a Term
must be received in writing during the 30 day period immediately following the end of that
Term in order to avoid the application of a Withdrawal Charge.
                PART 9: FEES AND DEDUCTIONS
      Page 9




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PART 10: DEATH BENEFITS
      (i)
    
    as an Annuity Option as described within Part 11: Annuity Payments; or(ii)
    
    over the life of the Beneficiary, or over a period not to extend beyond the life
expectancy of the Beneficiary, with all such distributions beginning within one year from
the date of the Owners Death; or(iii)
    
    the entire interest in the Contract must be distributed within five (5) years of the
Owners Death; or(iv)
    
    in one lump sum.
          a)
    
    A certified copy of a death certificate.b)
    
    A certified copy of a decree of a court of competent jurisdiction as to the finding of
death.c)
    
    Any other proof satisfactory to us.
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PART 11: ANNUITY PAYMENTS
           a.
    
    Life Annuity with a guarantee of Annuity Payments for a Period of 5, 10, or 20 Years.
Under this option we will make payments for the period elected, and as long thereafter as
the Annuitant lives.b.
    
    Non-Refund Life Annuity. Under this option, we will make payments throughout the lifetime
of the Annuitant. No further payments will be made after the death of the Annuitant.c.
    
    Any other option which we may make available including joint lives.
      Page 11




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MONTHLY ANNUITY PAYMENT RATE TABLEAge of Annuitants
    
    Life Annuity with a GuaranteedBirthdayNearest Date
    
    Periodof First Payment
    
    5 Years
    
    10 Years
    
    20 Years
    
    Life Annuity55
    
    
    3.07
    
    
    
    3.05
    
    
    
    3.00
    
    
    
    3.0756
    
    
    3.14
    
    
    
    3.13
    
    
    
    3.07
    
    
    
    3.1457
    
    
    3.21
    
    
    
    3.20
    
    
    
    3.13
    
    
    
    3.2258
    
    
    3.29
    
    
    
    3.28
    
    
    
    3.20
    
    
    
    3.3059
    
    
    3.38
    
    
    
    3.36
    
    
    
    3.27
    
    
    
    3.3960
    
    
    3.47
    
    
    
    3.45
    
    
    
    3.34
    
    
    
    3.4861
    
    
    3.57
    
    
    
    3.54
    
    
    
    3.42
    
    
    
    3.5862
    
    
    3.67
    
    
    
    3.64
    
    
    
    3.50
    
    
    
    3.6863
    
    
    3.78
    
    
    
    3.74
    
    
    
    3.58
    
    
    
    3.7964
    
    
    3.89
    
    
    
    3.85
    
    
    
    3.66
    
    
    
    3.9165
    
    
    4.02
    
    
    
    3.97
    
    
    
    3.74
    
    
    
    4.0366
    
    
    4.15
    
    
    
    4.09
    
    
    
    3.83
    
    
    
    4.1767
    
    
    4.29
    
    
    
    4.22
    
    
    
    3.91
    
    
    
    4.3168
    
    
    4.44
    
    
    
    4.36
    
    
    
    4.00
    
    
    
    4.4669
    
    
    4.60
    
    
    
    4.50
    
    
    
    4.08
    
    
    
    4.6370
    
    
    4.78
    
    
    
    4.66
    
    
    
    4.17
    
    
    
    4.8171
    
    
    4.96
    
    
    
    4.82
    
    
    
    4.25
    
    
    
    5.0072
    
    
    5.16
    
    
    
    4.99
    
    
    
    4.32
    
    
    
    5.2173
    
    
    5.38
    
    
    
    5.17
    
    
    
    4.40
    
    
    
    5.4474
    
    
    5.61
    
    
    
    5.36
    
    
    
    4.47
    
    
    
    5.6975
    
    
    5.83
    
    
    
    5.56
    
    
    
    4.53
    
    
    
    5.9576
    
    
    6.13
    
    
    
    5.76
    
    
    
    4.59
    
    
    
    6.2477
    
    
    6.41
    
    
    
    5.97
    
    
    
    4.64
    
    
    
    6.5578
    
    
    6.71
    
    
    
    6.18
    
    
    
    4.69
    
    
    
    6.8979
    
    
    7.03
    
    
    
    6.40
    
    
    
    4.73
    
    
    
    7.2580
    
    
    7.38
    
    
    
    6.62
    
    
    
    4.77
    
    
    
    7.6581
    
    
    7.74
    
    
    
    6.83
    
    
    
    4.80
    
    
    
    8.0882
    
    
    8.13
    
    
    
    7.04
    
    
    
    4.82
    
    
    
    8.5583
    
    
    8.54
    
    
    
    7.25
    
    
    
    4.84
    
    
    
    9.0684
    
    
    8.97
    
    
    
    7.45
    
    
    
    4.86
    
    
    
    9.6185
    
    
    9.41
    
    
    
    7.63
    
    
    
    4.87
    
    
    
    10.2186
    
    
    9.87
    
    
    
    7.80
    
    
    
    4.88
    
    
    
    10.8687
    
    
    10.33
    
    
    
    7.96
    
    
    
    4.89
    
    
    
    11.5788
    
    
    10.80
    
    
    
    8.10
    
    
    
    4.90
    
    
    
    12.3289
    
    
    11.26
    
    
    
    8.23
    
    
    
    4.90
    
    
    
    13.1290
    
    
    11.71
    
    
    
    8.35
    
    
    
    4.91
    
    
    
    13.9691
    
    
    12.15
    
    
    
    8.45
    
    
    
    4.91
    
    
    
    14.8492
    
    
    12.57
    
    
    
    8.54
    
    
    
    4.91
    
    
    
    15.7593
    
    
    12.97
    
    
    
    8.62
    
    
    
    4.91
    
    
    
    16.6994
    
    
    13.35
    
    
    
    8.69
    
    
    
    4.91
    
    
    
    17.6695 and over
    
    
    13.73
    
    
    
    8.75
    
    
    
    4.91
    
    
    
    18.67
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JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.)
    
    (JOHN HANCOCK LOGO)
  Page 13