Registration No. 333-124223

Filed Pursuant to Rule 424(b)(2)

John Hancock Life Insurance Company

SignatureNotes

With Maturities of Twelve Months or More from Date of Issue

Fully and Unconditionally Guaranteed By Manulife Financial Corporation

Pricing Supplement No. 246	Trade Date: 8/1/2005
(To Prospectus dated July 8, 2005)	Issue Date: 8/4/2005

The date of this Pricing Supplement is August 1, 2005

CUSIP or Common Code:	41013NTL2
Price to Public:	100.000%
Principal Amount:	$335,000.00
Proceeds to Issuer:	$332,152.50
Discounts and Commissions:	0.850%
Reallowance:	0.150%
Dealer:	99.250%
Maturity Date:	8/15/2010
Stated Annual Interest Rate:	Floating Rate Note
Interest Rate Determination Date:	The 7th business day preceding an Interest Reset Date.
Interest Reset Periods:	Monthly. The first interest period will run from and including the Issue Date to but excluding September 15, 2005.
Interest Reset Dates:	The 15th day of each month during the term of the notes, beginning September 15, 2005.
Day Count Convention:	30/360
Interest Rate Basis:	Consumer Price Index Adjustment Rate
Index Maturity:	N/A
Spread:	+1.43%
Initial Interest Rate:	3.96%
Maximum Interest Rate:	N/A
Minimum Interest Rate:	0.00% per annum with respect to each Interest Reset Period
Interest Payment Frequency and Dates:	Monthly, from and including an Interest Reset Date to and excluding the next succeeding Interest Reset Date, except that the first period shall be the period from and including the Issue Date to but excluding September 15, 2005 (or, if such day is not a business day, the following business day).
Interest Payment Date:	The 15th day of each month during the term of the notes, beginning September 15, 2005 (or, if such day is not a business day, the next following business day, in which case interest on that interest payment will not accrue for the period from the scheduled interest payment date to the next following business day on which the interest payment is made).
Additional Amounts:	N/A
Survivor’s Option:	Yes
Callable by Issuer:	No
If Callable by Issuer, dates and terms of redemption (including the redemption price):	N/A
Original Issue Discount1:	N/A
Other Material Terms (if any):	N/A

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. 333-124223

Filed Pursuant to Rule 424(b)(2)

John Hancock Life Insurance Company

SignatureNotes

With Maturities of Twelve Months or More from Date of Issue

Fully and Unconditionally Guaranteed By Manulife Financial Corporation

Pricing Supplement No. 246	Trade Date: 8/1/2005
(To Prospectus dated July 8, 2005)	Issue Date: 8/4/2005

The date of this Pricing Supplement is August 1, 2005

CUSIP or Common Code:	41013NTN8
Price to Public:	100.000%
Principal Amount:	$225,000.00
Proceeds to Issuer:	$222,075.00
Discounts and Commissions:	1.300%
Reallowance:	0.200%
Dealer:	98.800%
Maturity Date:	8/15/2015
Stated Annual Interest Rate:	Floating Rate Note
Interest Rate Determination Date:	The 7th business day preceding an Interest Reset Date.
Interest Reset Periods:	Monthly. The first interest period will run from and including the Issue Date to but excluding September 15, 2005.
Interest Reset Dates:	The 15th day of each month during the term of the notes, beginning September 15, 2005.
Day Count Convention:	30/360
Interest Rate Basis:	Consumer Price Index Adjustment Rate
Index Maturity:	N/A
Spread:	+1.72%
Initial Interest Rate:	4.25%
Maximum Interest Rate:	N/A
Minimum Interest Rate:	0.00% per annum with respect to each Interest Reset Period
Interest Payment Frequency and Dates:	Monthly, from and including an Interest Reset Date to and excluding the next succeeding Interest Reset Date, except that the first period shall be the period from and including the Issue Date to but excluding September 15, 2005 (or, if such day is not a business day, the following business day).
Interest Payment Date:	The 15th day of each month during the term of the notes, beginning September 15, 2005 (or, if such day is not a business day, the next following business day, in which case interest on that interest payment will not accrue for the period from the scheduled interest payment date to the next following business day on which the interest payment is made).
Additional Amounts:	N/A
Survivor’s Option:	Yes
Callable by Issuer:	No
If Callable by Issuer, dates and terms of redemption (including the redemption price):	N/A
Original Issue Discount2:	N/A
Other Material Terms (if any):	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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Registration No. 333-124223

Filed Pursuant to Rule 424(b)(2)

John Hancock Life Insurance Company

SignatureNotes

With Maturities of Twelve Months or More from Date of Issue

Fully and Unconditionally Guaranteed By Manulife Financial Corporation

Pricing Supplement No. 246	Trade Date: 8/1/2005
(To Prospectus dated July 8, 2005)	Issue Date: 8/4/2005

The date of this Pricing Supplement is August 1, 2005

CUSIP or Common Code:	41013NTH1	41013NTJ7	41013NTK4	41013NTM0	41013NTP3	41013NTQ1
Price to Public:	100.000%	100.000%	100.000%	100.000%	100.000%	100.000%
Principal Amount:	$485,000.00	$65,000.00	$22,000.00	$175,000.00	$190,000.00	$457,000.00
Proceeds to Issuer:	$482,453.75	$64,545.00	$21,813.00	$173,512.50	$186,675.00	$446,717.50
Discounts and Commissions:	0.525%	0.700%	0.850%	0.850%	1.750%	2.250%
Reallowance:	0.150%	0.150%	0.150%	0.150%	0.350%	0.350%
Dealer:	99.550%	99.375%	99.250%	99.250%	98.350%	97.900%
Maturity Date:	8/15/2008	8/15/2009	8/15/2010	8/15/2010	8/15/2020	8/15/2030
Stated Annual Interest Rate:	4.000%	4.100%	4.150%	4.400%	5.000%	5.100%
Interest Payment Frequency:	Semi	Semi	Quarterly	Monthly	Monthly	Monthly
First Payment Date:	2/15/2006	2/15/2006	11/15/2005	9/15/2005	9/15/2005	9/15/2005
Additional Amounts:	N/A	N/A	N/A	N/A	N/A	N/A
Survivor’s Option:	Yes	Yes	Yes	Yes	Yes	Yes
Callable by Issuer:	No	No	No	Yes	Yes	Yes
If Callable by Issuer, dates and terms of redemption (including the redemption price)	N/A	N/A	N/A	8/15/2007 Callable one time only at 100% on call date above with 30 days notice.	8/15/2008 Callable one time only at 100% on call date above with 30 days notice.	8/15/2010 Callable one time only at 100% on call date above with 30 days notice.
Original Issue Discount3:	N/A	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	N/A

³ 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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