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EXHIBIT 10(b)
CONSENT OF ERNST & YOUNG LLP, INDEPENDENT AUDITORS
We consent to the reference to our firm under the caption "Experts" in the
Prospectus in Post-Effective Amendment Number 2 to the Registration Statement
(Form N-4, No. 333-84767) of John Hancock Variable Annuity Account JF.
We also consent to the inclusion of our reports dated February 10, 2000 on the
financial statements included in the Annual Report of the John Hancock Variable
Annuity Account JF and dated March 10, 2000 on the financial statements
included in the Annual Report of the John Hancock Variable Life Insurance
Company for the year ended December 31, 1999.
/s/ ERNST & YOUNG LLP
ERNST & YOUNG LLP
Boston, Massachusetts
November 1, 2000
