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. 201	Trade Date: 3/28/2005
(To Prospectus dated July 22, 2002 as supplemented by Prospectus Supplement dated January 10, 2003)	Issue Date: 3/31/2005

The date of this Pricing Supplement is March 28, 2005

CUSIP or Common Code:	41013NMV7	41013NMW5	41013NMX3	41013NMZ8
Price to Public:	100.000%	100.000%	100.000%	100.000%
Principal Amount:	$469,000.00	$559,000.00	$190,000.00	$776,000.00
Proceeds to Issuer:	$466,068.75	$554,528.00	$188,100.00	$768,240.00
Discounts and Commissions:	0.625%	0.800%	1.000%	1.000%
Reallowance:	0.150%	0.150%	0.150%	0.150%
Dealer:	99.550%	99.375%	99.250%	99.250%
Maturity Date:	3/15/2008	3/15/2009	3/15/2010	3/15/2010
Stated Annual Interest Rate:	3.900%	4.100%	4.250%	4.400%
Interest Payment Frequency:	Quarterly	Quarterly	Quarterly	Monthly
First Payment Date:	6/15/2005	6/15/2005	6/15/2005	4/15/2005
Additional Amounts:	N/A	N/A	N/A	N/A
Survivor’s Option:	Yes	Yes	Yes	Yes
Callable by Issuer:	No	No	No	Yes
If Callable by Issuer, dates and terms of redemption (including the redemption price)	N/A	N/A	N/A	3/15/2007 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
Other Material Terms (if any):	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. 201	Trade Date: 3/28/2005
(To Prospectus dated July 22, 2002 as supplemented by Prospectus Supplement dated January 10, 2003)	Issue Date: 3/31/2005

The date of this Pricing Supplement is March 28, 2005

CUSIP or Common Code:	41013NNA2	41013NNB0	41013NND6	41013NNE4
Price to Public:	100.000%	100.000%	100.000%	100.000%
Principal Amount:	$30,000.00	$350,000.00	$715,000.00	$1,733,000.00
Proceeds to Issuer:	$29,580.00	$345,100.00	$702,487.50	$1,689,675.00
Discounts and Commissions:	1.400%	1.400%	1.750%	2.500%
Reallowance:	0.200%	0.200%	0.275%	0.350%
Dealer:	98.900%	98.900%	98.600%	97.900%
Maturity Date:	3/15/2013	3/15/2013	3/15/2017	3/15/2030
Stated Annual Interest Rate:	4.500%	4.800%	5.100%	5.400%
Interest Payment Frequency:	Monthly	Monthly	Monthly	Monthly
First Payment Date:	4/15/2005	4/15/2005	4/15/2005	4/15/2005
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)		3/15/2008 Callable one time only at 100% on call date above with 30 days notice.	9/15/2007 Callable one time only at 100% on call date above with 30 days notice.	3/15/2010 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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