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. 106	Trade Date: 5/17/2004
(To Prospectus dated July 22, 2002 as supplemented by Prospectus Supplement dated January 10, 2003)	Issue Date: 5/20/2004

The date of this Pricing Supplement is May 17, 2004

CUSIP or Common Code:	41013M2F6	41013M2G4	41013M2H2	41013M2J8	41013M2K5
Price to Public:	100.000%	100.000%	100.000%	100.000%	100.000%
Principal Amount:	$393,000.00	$486,000.00	$433,000.00	$145,000.00	$3,343,000.00
Proceeds to Issuer:	$390,543.75	$482,112.00	$428,670.00	$142,970.00	$3,296,198.00
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:	5/15/2007	5/15/2008	5/15/2009	5/15/2012	5/15/2012
Stated Annual Interest Rate:	3.250%	3.750%	4.100%	4.800%	Step: 3.250% through 5/14/2006, and 6.500% thereafter (unless called)
Interest Payment Frequency:	Monthly	Monthly	Monthly	Monthly	Monthly
First Payment Date:	6/15/2004	6/15/2004	6/15/2004	6/15/2004	6/15/2004
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	No	Yes
If Callable by Issuer, dates and terms of redemption (including the redemption price)	N/A	N/A	N/A	N/A	5/15/2006 Callable one time only at 100% on call date above with 30 days notice.
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. 106	Trade Date: 5/17/2004
(To Prospectus dated July 22, 2002 as supplemented by Prospectus Supplement dated January 10, 2003)	Issue Date: 5/20/2004

The date of this Pricing Supplement is May 17, 2004

CUSIP or Common Code:	41013M2L3	41013M2N9	41013M2P4	41013M2Q2
Price to Public:	100.000%	100.000%	100.000%	100.000%
Principal Amount:	$223,000.00	$487,000.00	$467,000.00	$2,660,000.00
Proceeds to Issuer:	$219,655.00	$478,477.50	$457,660.00	$2,593,500.00
Discounts and Commissions:	1.500%	1.750%	2.000%	2.500%
Reallowance:	0.200%	0.275%	0.350%	0.350%
Dealer:	98.800%	98.600%	98.350%	97.850%
Maturity Date:	5/15/2014	5/15/2016	5/15/2019	5/15/2029
Stated Annual Interest Rate:	5.100%	5.600%	5.800%	6.000%
Interest Payment Frequency:	Monthly	Semi	Semi	Semi
First Payment Date:	6/15/2004	11/15/2004	11/15/2004	11/15/2004
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	11/15/2006 Callable one time only at 100% on call date above with 30 days notice.	5/15/2007 Callable one time only at 100% on call date above with 30 days notice.	5/15/2009 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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