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. 210	Trade Date: 4/18/2005
(To Prospectus dated July 22, 2002 as supplemented by Prospectus Supplement dated January 10, 2003)	Issue Date: 4/21/2005

The date of this Pricing Supplement is April 18, 2005

CUSIP or Common Code:	41013NNY0	41013NNZ7	41013NPA0	41013NPC6
Price to Public:	100.000%	100.000%	100.000%	100.000%
Principal Amount:	$804,000.00	$627,000.00	$313,000.00	$917,000.00
Proceeds to Issuer:	$798,975.00	$621,984.00	$309,870.00	$907,830.00
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:	4/15/2008	4/15/2009	4/15/2010	4/15/2010
Stated Annual Interest Rate:	3.950%	4.100%	4.250%	4.450%
Interest Payment Frequency:	Quarterly	Monthly	Quarterly	Monthly
First Payment Date:	7/15/2005	5/15/2005	7/15/2005	5/15/2005
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	4/15/2007 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. 210	Trade Date: 4/18/2005
(To Prospectus dated July 22, 2002 as supplemented by Prospectus Supplement dated January 10, 2003)	Issue Date: 4/21/2005

The date of this Pricing Supplement is April 18, 2005

CUSIP or Common Code:	41013NPD4	41013NPF9	41013NPG7
Price to Public:	100.000%	100.000%	100.000%
Principal Amount:	$144,000.00	$1,280,000.00	$1,060,000.00
Proceeds to Issuer:	$141,984.00	$1,257,600.00	$1,033,500.00
Discounts and Commissions:	1.400%	1.750%	2.500%
Reallowance:	0.200%	0.275%	0.350%
Dealer:	98.900%	98.600%	97.900%
Maturity Date:	4/15/2013	4/15/2017	4/15/2030
Stated Annual Interest Rate:	4.500%	5.100%	5.350%
Interest Payment Frequency:	Quarterly	Monthly	Monthly
First Payment Date:	7/15/2005	5/15/2005	5/15/2005
Additional Amounts:	N/A	N/A	N/A
Survivor’s Option:	Yes	Yes	Yes
Callable by Issuer:	No	Yes	Yes
If Callable by Issuer, dates and terms of redemption (including the redemption price)	N/A	10/15/2007 Callable one time only at 100% on call date above with 30 days notice.	4/15/2010 Callable one time only at 100% on call date above with 30 days notice.
Original Issue Discount2:	N/A	N/A	N/A
Other Material Terms (if any):	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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