Exhibit 32.2


                            CERTIFICATION PURSUANT TO
                           18 U.S.C. SECTION 1350, AS
                         ADOPTED PURSUANT TO SECTION 906
                        OF THE SARBANES-OXLEY ACT OF 2002

      Pursuant to 18 U.S.C. ss. 1350, as adopted pursuant to ss. 906 of the
Sarbanes-Oxley Act of 2002, the undersigned officer of John Hancock Life
Insurance Company (the "Company"), hereby certifies, to his knowledge, that:

      (1)   the Company's amended quarterly report on Form 10-Q/A for the
            quarter ended June 30, 2004, (the "Report") fully complies with the
            requirements of Section 13(a) of the Securities Exchange Act of
            1934; and

      (2)   the information contained in the Report fairly presents, in all
            material respects, the financial condition and results of operations
            of the Company as of and for the periods presented in the Report.


Dated: February 16, 2005       /s/ STEVEN FINCH
                               ---------------------
                               Name:  Steven Finch
                               Title: Senior Vice President and
                                      Chief Financial Officer