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. 76	Trade Date:  1/12/2004
(To Prospectus dated July 22, 2002 as supplemented by Prospectus Supplement dated January 10, 2003)	Issue Date:  1/15/2004

The date of this Pricing Supplement is January 12, 2004

CUSIP or Common Code:	41013MC99	41013MD23	41013MD31	41013MD49	41013MD56
Price to Public:	100.000%	100.000%	100.000%	100.000%	100.000%
Proceeds to Issuer:	$1,160,700.00	$874,944.00	$1,565,190.00	$5,296,792.00	$879,512.00
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:	2.600%	3.150%	3.650%	Step: 3.000% through 1/14/2006, and 6.000% thereafter (unless called)	4.400%
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.

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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. 76	Trade Date:  1/12/2004
(To Prospectus dated July 22, 2002 as supplemented by Prospectus Supplement dated January 10, 2003)	Issue Date:  1/15/2004

The date of this Pricing Supplement is January 12, 2004

CUSIP or Common Code:	41013MD64	41013MD72	41013MD80	41013MD98
Price to Public:	100.000%	100.000%	100.000%	100.000%
Proceeds to Issuer:	$1,092,365.00	$3,710,902.50	$1,533,700.00	$5,909,882.50
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:	4.750%	5.300%	5.550%	5.750%
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.

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