Registration No. 333-85488

Filed Pursuant to Rule 424(b)(2)

John Hancock Life Insurance Company

SignatureNotes

With Maturities of Twelve Months or More from Date of Issue

Pricing Supplement No. 63	Trade Date: 10/14/2003
(To Prospectus dated July 22, 2002)	Issue Date: 10/17/2003

The date of this Pricing Supplement is October 14, 2003

CUSIP or Common Code:	41013MWC0	41013MWD8	41013MWE6	41013MWF3	41013MWG1
Price to Public:	100.000%	100.000%	100.000%	100.000%	100.000%
Proceeds to Issuer:	$1,325,662.50	$606,112.00	$1,420,650.00	$3,139,424.00	$2,058,768.00
Discounts and Commissions:	0.625%	0.800%	1.000%	1.400%	1.400%
Reallowance:	0.150%	0.150%	0.150%	0.200%	0.200%
Dealer:	99.500%	99.350%	99.200%	98.800%	98.800%
Maturity Date:	10/15/2006	10/15/2007	9/15/2008	10/15/2011	10/15/2011
Stated Annual Interest Rate:	2.300%	2.900%	3.400%	Step: 3.300% through 10/14/2005, and 5.500% thereafter (unless called)	4.350%
Interest Payment Frequency:	Monthly	Monthly	Monthly	Monthly	Monthly
First Payment Date:	11/15/2003	11/15/2003	11/15/2003	11/15/2003	11/15/2003
Additional Amounts:	N/A	N/A	N/A	N/A	N/A
Survivor’s Option:	Yes	Yes	Yes	Yes	Yes
Callable by Issuer:	No	No	No	Yes	No
If Callable by Issuer, dates and terms of redemption (including the redemption price)	N/A	N/A	N/A	10/15/2005 Callable one time only at 100% on call date above with 30 days notice.	N/A
Original Issue Discount1:	N/A	N/A	N/A	N/A	N/A
Other Material Terms (if any):	N/A	N/A	N/A	N/A	N/A

Effective April 7, 2003 the name of Solomon Smith Barney Inc., an agent of the program, was changed to Citigroup Global Markets Inc.

¹For information regarding certain tax provisions applicable to Original Issue Discount notes, including zero-coupon notes, see “Tax Consequences to U.S. Holders — Original Issue Discount Notes” in the Prospectus.

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Registration No. 333-85488

Filed Pursuant to Rule 424(b)(2)

John Hancock Life Insurance Company

SignatureNotes

With Maturities of Twelve Months or More from Date of Issue

Pricing Supplement No. 63	Trade Date: 10/14/2003
(To Prospectus dated July 22, 2002)	Issue Date: 10/17/2003

The date of this Pricing Supplement is October 14, 2003

CUSIP or Common Code:	41013MWH9	41013MWJ5	41013MWK2	41013MWL0
Price to Public:	100.000%	100.000%	100.000%	100.000%
Proceeds to Issuer:	$1,296,260.00	$5,445,015.00	$4,588,350.00	$10,348,372.50
Discounts and Commissions:	1.500%	1.750%	2.500%	2.750%
Reallowance:	0.200%	0.275%	0.350%	0.350%
Dealer:	98.800%	98.600%	97.850%	97.600%
Maturity Date:	10/15/2013	10/15/2015	10/15/2023	10/15/2028
Stated Annual Interest Rate:	4.750%	5.350%	5.650%	5.750%
Interest Payment Frequency:	Quarterly	Semi	Monthly	Quarterly
First Payment Date:	1/15/2004	4/15/2004	11/15/2003	1/15/2004
Additional Amounts:	N/A	N/A	N/A	N/A
Survivor’s Option:	Yes	Yes	Yes	Yes
Callable by Issuer:	No	Yes	Yes	Yes
If Callable by Issuer, dates and terms of redemption (including the redemption price)	N/A	4/15/2006 Callable one time only at 100% on call date above with 30 days notice.	10/15/2007 Callable one time only at 100% on call date above with 30 days notice.	1/15/2009 Callable one time only at 100% on call date above with 30 days notice.
Original Issue Discount2:	N/A	N/A	N/A	N/A
Other Material Terms (if any):	N/A	N/A	N/A	N/A

²For information regarding certain tax provisions applicable to Original Issue Discount notes, including zero-coupon notes, see “Tax Consequences to U.S. Holders — Original Issue Discount Notes” in the Prospectus.

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