SEPARATE ACCOUNT FOUR OF THE MANUFACTURERS LIFE INS CO OF AM
497J, 1996-05-02
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CERTIFICATION OF NO CHANGE IN DEFINITIVE MATERIALS PURSUANT TO RULE 497(j) OF
THE SECURITIES ACT OF 1933

FILE NUMBER: 33-13774
REGISTRANT: SEPARATE ACCOUNT FOUR OF THE MANUFACTURERS LIFE INSURANCE COMPANY
OF AMERICA

In lieu of filing under paragraph (b) or (c) of Section 497, the undersigned
hereby certifies that:

(1) The form of prospectus that would have been filed under paragraph (b) or
(c) of this section would not have differed from that contained in the most
recent registration statement or amendment, and

(2) The text of the most recent registration statement or amendment has been
filed electronically.

Signatures

Separate Account Four of The Manufacturers Life Insurance Company of America
and The Manufacturers Life Insurance Company of America have caused this
Certification to be signed on their behalf in the City of Toronto, Province of
Ontario, Canada, on May 1,1996.

Separate Account Four of The Manufacturers
Life Insurance Company of America (Registrant)

By: The Manufacturers Life Insurance
    Company of America (Depositor)


By: /s/ Donald A. Guloien
   -----------------------------------
     Donald A. Guloien, President

The Manufacturers Life Insurance Company
of America

By: /s/ Donald A. Guloien
   ------------------------------------
     Donald A. Guloien, President


Attest: /s/ Sheri L. Kocen
       ------------------------------
          Sheri L. Kocen


ss#4690 (VUL-Edgar)







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