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SUPPLEMENT TO PROSPECTUS
FOR SEPARATE ACCOUNT THREE OF
THE MANUFACTURERS LIFE INSURANCE COMPANY OF AMERICA
DATED MAY 1, 2000
(FOR USE IN MASSACHUSETTS ONLY)
The following disclosure is added under "Lapse and Reinstatement - Lapse" and
"Appendix B - Sample Illustrations of Policy Values, Cash Surrender Values and
Death Benefits":
A Policy will not lapse as long as the requirements of the Lapse Protection
Benefit are satisfied. However, since the Lapse Protection Benefit allows a
Policy to remain in effect with a zero Net Cash Surrender Value and does
not require the payment of additional premiums, a policyowner utilizing
this benefit may forego the advantage of building up a significant Policy
Value under the Policy.
SUPPLEMENT DATED JANUARY 11, 2001
SPVL.SUPP011101
