<PAGE> 1
SUPPLEMENT TO PROSPECTUS
FOR THE MANUFACTURERS LIFE INSURANCE COMPANY OF NORTH AMERICA
SEPARATE ACCOUNT A
DATED MAY 1, 1999
PAYMENT ENHANCEMENTS
WE are currently offering a new promotional payment enhancement for
initial and subsequent purchase payments to contracts issued on and after June
21, 1999. Subsequent payments to contracts issued prior to June 21, 1999 will
continue to receive the payments enhancement rates in effect at the time of the
issuance of the contract. The payment enhancement rates, as a percentage of
purchase payments, are as follows:
<TABLE>
<CAPTION>
CUMULATIVE PURCHASE PAYMENT ENHANCEMENT
PAYMENTS
GUARANTEED RATE PROMOTIONAL RATE PROMOTIONAL RATE
(Contracts Issued Prior (Contracts Issued on or (Contracts Issued on or
to January 1, 1999) After January 1, 1999 but After June 21, 1999)
Prior to June 21, 1999)
<S> <C> <C> <C>
Less than $500,000 3.0% 4.0% 5.0%
$500,000 or more but less
than $2.5 million 4.0% 5.0% 5.5%
$2.5 million or more 5.0% 6.0% 6.0%
</TABLE>
Promotional Payment Enhancement rates may be terminated at any time. Contract
owners should not rely on the promotional payment enhancement being in effect
for subsequent payments.
Payment enhancements are considered to be investment earnings, not
purchase payments, and are taxable as income upon withdrawal.
TRANSFERS AMONG INVESTMENT OPTIONS
The following disclosure supplements the disclosure under "Transfers
Among Investment Options."
"Where permitted by law, we may accept your authorization for a third party to
make transfers for you subject to our rules. However, the contract is not
designed for professional market timing organizations or other entities or
persons engaging in programmed, frequent or large exchanges (collectively,
"market timers") to speculate on short-term movements in the market since such
activity may be disruptive to the Trust portfolios and increase their
transaction costs. Therefore, in order to prevent excessive use of the exchange
privilege, we reserve the right to (a) reject or restrict any specific purchase
and exchange requests and (b) impose specific limitations with respect to market
timers including restricting exchanges by market timers to certain variable
investment options (transfers by market timers into or out of fixed investment
options is not permitted)."
SUPPLEMENT DATED JUNE 21, 1999.
