Consent of Independent Auditors

We consent to the reference to our firm under the caption "Experts" and to the
use of our report dated March 10, 2000, in the Registration Statement (Form S-1
No 333-45862) and related Prospectus of John Hancock Life Insurance Company
related to the Revolution FX product.

                                                           /s/ Ernst & Young LLP
                                                               ERNST & YOUNG LLP

Boston, Massachusetts
December 22, 2000