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. 82	Trade Date: 2/9/2004
(To Prospectus dated July 22, 2002 as supplemented by Prospectus Supplement dated January 10, 2003)	Issue Date: 2/12/2004

The date of this Pricing Supplement is February 9, 2004

CUSIP or Common Code:	41013MH78	41013MH86	41013MH94	41013MJ27	41013MJ35
Price to Public:	100.000%	100.000%	100.000%	100.000%	100.000%
Proceeds to Issuer:	$354,768.75	$955,296.00	$510,840.00	$2,450,210.00	$2,001,580.00
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:	2/15/2007	2/15/2008	2/15/2009	2/15/2012	2/15/2012
Stated Annual Interest Rate:	2.400%	3.000%	3.350%	Step: 3.000% through 2/14/2006, and 5.500% thereafter (unless called)	4.150%
Interest Payment Frequency:	Monthly	Monthly	Monthly	Monthly	Monthly
First Payment Date:	3/15/2004	3/15/2004	3/15/2004	3/15/2004	3/15/2004
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	2/15/2006 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. 82	Trade Date: 2/9/2004
(To Prospectus dated July 22, 2002 as supplemented by Prospectus Supplement dated January 10, 2003)	Issue Date: 2/12/2004

The date of this Pricing Supplement is February 9, 2004

CUSIP or Common Code:	41013MJ50	41013MJ68	41013MJ76	41013MJ84
Price to Public:	100.000%	100.000%	100.000%	100.000%
Proceeds to Issuer:	$786,030.00	$1,326,375.00	$1,348,480.00	$3,251,067.50
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:	2/15/2014	2/15/2016	2/15/2019	2/15/2029
Stated Annual Interest Rate:	4.550%	5.050%	5.300%	5.550%
Interest Payment Frequency:	Monthly	Semi	Semi	Semi
First Payment Date:	3/15/2004	8/15/2004	8/15/2004	8/15/2004
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	8/15/2006 Callable one time only at 100% on call date above with 30 days notice.	2/15/2007 Callable one time only at 100% on call date above with 30 days notice.	2/15/2009 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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