424B2 1 d424b2.htm PRICING SUPPLEMENT DTD 09/12/02 Prepared by R.R. Donnelley Financial -- PRICING SUPPLEMENT DTD 09/12/02
 
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. 3
  
Trade Date: 09/12/02
(To Prospectus dated July 22, 2002)
  
Issue Date: 09/17/02
 
The date of this Pricing Supplement is September 12, 2002
 
CUSIP or Common Code:
   
41013MAE0
   
41013MAF7
   
41013MAG5
Price to Public:
   
100.000%
   
100.000%
   
100.000%
Proceeds to Issuer:
   
$2,790,936.00
   
$2,101,005.00
   
$1,865,070.00
Discounts and Commissions:
   
1.450%
   
1.500%
   
2.250%
Reallowance:
   
0.200%
   
0.200%
   
0.350%
Dealer:
   
98.800%
   
98.750%
   
98.100%
Maturity Date:
   
9/15/10
   
9/15/12
   
9/15/22
Stated Annual Interest Rate:
   
4.250%
   
4.750%
   
5.400%
Interest Payment Frequency:
   
Monthly
   
Monthly
   
Semi
First Payment Date:
   
10/15/02
   
10/15/02
   
3/15/03
Additional Amounts:
   
N/A
   
N/A
   
N/A
Survivor’s Option:
   
Yes
   
Yes
   
Yes
Callable by Issuer:
   
No
   
No
   
No
If Callable by Issuer, dates and terms of redemption (including the redemption price):
   
N/A
   
N/A
   
N/A
Original Issue Discount1:
   
N/A
   
N/A
   
N/A
Other Material Terms (if any):
   
N/A
   
N/A
   
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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