MANUFACTURERS LIFE INSURANCE CO OF NORTH AMERICA SEP ACC A
497, 1999-05-24
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<PAGE>   1
                            SUPPLEMENT TO PROSPECTUS
          FOR THE MANUFACTURERS LIFE INSURANCE COMPANY OF NORTH AMERICA
                               SEPARATE ACCOUNT A
                                DATED MAY 1, 1999



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 MAY 24, 1999.



VTG20.SUPP5992
V20/21.SUPP5992
VIS25.SUPP599
MRPG.SUPP599




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