EXHIBIT 6


[John Hancock Financial Services, Inc. Letterhead]


                                                                    June 7, 2001


Board of Directors of the John Hancock Life Insurance Company


         Re:      Actuarial Opinion


Members of the Board:

         This opinion is furnished in connection with the filing of the
Amendment to the Registration Statement on Form S-6 in which this opinion is
being filed as an exhibit, pursuant to the Securities Act of 1933, as amended,
with respect to variable life insurance policies under which amounts will be
allocated to one or more of the subaccounts of one or more variable life
insurance separate accounts. The policies described in the prospectus(es) in
said Amendment.

         The policy form was reviewed under my direction, and I am familiar with
the amended Registration Statement and exhibits. In my opinion, the
illustrations of policy benefits, values, and accumulated premiums shown in the
prospectus(es) (or appendix thereto) included in the Amendment, based on the
assumptions stated with the illustrations, are consistent with the provisions of
the policies. Such assumptions, including, to the extent applicable, the current
cost of insurance rates, current scheduled rates of other charges, current
dividend scales, and any other currently scheduled credits, are reasonable. The
policies have not been designed so as to make the relationship between premiums
and benefits, as shown in the illustrations, appear disproportionately more
favorable to a prospective purchaser of a policy for an insured person(s) with
the characteristics illustrated than to a prospective purchaser of a policy for
an insured person(s) with other characteristics; nor have the particular
examples set forth in the illustrations been selected for the purpose of making
this relationship appear more favorable.

         I hereby consent to the filing of this opinion as an exhibit to the
amended Registration Statement and to the use of my name under the heading
"Experts" or "Accounting and Actuarial Experts" in the propectus(es).



                                              /S/ DEBORAH A. POPPEL
                                              Deborah A. Poppel, FSA
                                              Second Vice President
                                              and Actuary