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. 75	Trade Date: 1/5/2004
(To Prospectus dated July 22, 2002 as supplemented by Prospectus Supplement dated January 10, 2003)	Issue Date: 1/8/2004

The date of this Pricing Supplement is January 5, 2004

CUSIP or Common Code:	41013MB82	41013MB90	41013MC24	41013MC32	41013MC40
Price to Public:	100.000%	100.000%	100.000%	100.000%	100.000%
Proceeds to Issuer:	$363,712.50	$698,368.00	$697,950.00	$972,196.00	$682,312.00
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:	1/15/2007	1/15/2008	1/15/2009	1/15/2012	1/15/2012
Stated Annual Interest Rate:	2.500%	3.000%	3.450%	Step: 2.750% through 1/14/2006, and 6.000% thereafter (unless called)	4.250%
Interest Payment Frequency:	Monthly	Monthly	Monthly	Monthly	Monthly
First Payment Date:	2/15/2004	2/15/2004	2/15/2004	2/15/2004	2/15/2004
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	1/15/2006 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.

¹ For 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.

Page 1 of 2

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. 75	Trade Date: 1/5/2004
(To Prospectus dated July 22, 2002 as supplemented by Prospectus Supplement dated January 10, 2003)	Issue Date: 1/8/2004

The date of this Pricing Supplement is January 5, 2004

CUSIP or Common Code:	41013MC57	41013MC65	41013MC73	41013MC81
Price to Public:	100.000%	100.000%	100.000%	100.000%
Proceeds to Issuer:	$400,895.00	$2,401,230.00	$2,035,460.00	$4,846,940.00
Discounts and Commissions:	1.500%	1.750%	2.000%	2.750%
Reallowance:	0.200%	0.275%	0.350%	0.350%
Dealer:	98.800%	98.600%	98.350%	97.600%
Maturity Date:	1/15/2014	1/15/2016	1/15/2019	1/15/2029
Stated Annual Interest Rate:	4.600%	5.150%	5.400%	5.600%
Interest Payment Frequency:	Monthly	Quarterly	Semi	Semi
First Payment Date:	2/15/2004	4/15/2004	7/15/2004	7/15/2004
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	7/15/2006 Callable one time only at 100% on call date above with 30 days notice.	1/15/2007 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

² For 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.

Page 2 of 2