<PAGE> 1
SUPPLEMENT TO PROSPECTUS FOR
THE MANUFACTURERS LIFE INSURANCE COMPANY OF AMERICA
SEPARATE ACCOUNT THREE
FLEXIBLE PREMIUM SURVIVORSHIP VARIABLE LIFE INSURANCE POLICY
DATED MAY 1, 1997
In states where approved, Manufacturers Life of America will reduce the
surrender charge as described below on policies where the anticipated annual
premium is $100,000 or greater and the policy is issued as part of employer
sponsored split dollar or keyman arrangement: 80% of the Surrender Charge
(deferred underwriting charge and deferred sales charge) will be waived during
the first year of the contract, 60% during the second year and 40% during the
third year. The full Surrender Charge will be imposed if the surrender takes
place in a fourth or subsequent policy year.
THE DATE OF THIS SUPPLEMENT IS OCTOBER 1, 1997.
