SEPARATE ACCOUNT TWO OF MANUFACTURERS LIFE INS CO OF AMERI
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: 33-14499
REGISTRANT: SEPARATE ACCOUNT TWO 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 Two 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 Two 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#5604 (VA-Edgar)



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