424B2 1 d424b2.htm PRICING SUPPLEMENT DATED NOVEMBER 12, 2002 Pricing Supplement dated November 12, 2002
 
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. 13
  
Trade Date: 11/12/02
(To Prospectus dated July 22, 2002)
  
Issue Date: 11/15/02
 
The date of this Pricing Supplement is November 12, 2002
 
CUSIP or Common Code:
   
41013MCH1
   
41013MCJ7
   
41013MCK4
   
41013MCL2
Price to Public:
   
100.000%
   
100.000%
   
100.000%
   
100.000%
Proceeds to Issuer:
   
$2,000,790.00
   
$2,395,980.00
   
$2,235,950.00
   
$1,806,817.50
Discounts and Commissions:
   
1.000%
   
1.400%
   
1.500%
   
1.750%
Reallowance:
   
0.200%
   
0.200%
   
0.275%
   
0.350%
Dealer:
   
99.200%
   
98.800%
   
98.800%
   
98.600%
Maturity Date:
   
11/15/07
   
11/15/10
   
11/15/12
   
11/15/14
Stated Annual Interest Rate:
   
3.550%
   
4.350%
   
4.900%
   
5.000%
Interest Payment Frequency:
   
Monthly
   
Monthly
   
Monthly
   
Monthly
First Payment Date:
   
12/15/02
   
12/15/02
   
12/15/02
   
12/15/02
Additional Amounts:
   
N/A
   
N/A
   
N/A
   
N/A
Survivor’s Option:
   
Yes
   
Yes
   
Yes
   
Yes
Callable by Issuer:
   
No
   
No
   
No
   
No
If Callable by Issuer, dates and terms of redemption (including the redemption price)
   
N/A
   
N/A
   
N/A
   
N/A
Original Issue Discount1:
   
N/A
   
N/A
   
N/A
   
N/A
Other Material Terms (if any):
   
N/A
   
N/A
   
N/A
   
N/A
 
Page 1 of 2
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.

 
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. 13
  
Trade Date: 11/12/02
(To Prospectus dated July 22, 2002)
  
Issue Date: 11/15/02
 
The date of this Pricing Supplement is November 12, 2002
 
CUSIP or Common Code:
   
41013MCM0
   
41013MCN8
   
41013MCP3
Price to Public:
   
100.000%
   
100.000%
   
100.000%
Proceeds to Issuer:
   
$6,900,180.00
   
$1,479,075.00
   
$25,759,580.00
Discounts and Commissions:
   
2.000%
   
2.500%
   
2.750%
Reallowance:
   
0.350%
   
0.350%
   
0.350%
Dealer:
   
98.350%
   
97.850%
   
97.600%
Maturity Date:
   
11/15/17
   
11/15/22
   
11/15/27
Stated Annual Interest Rate:
   
5.600%
   
5.800%
   
6.000%
Interest Payment Frequency:
   
Monthly
   
Monthly
   
Monthly
First Payment Date:
   
12/15/02
   
12/15/02
   
12/15/02
Additional Amounts:
   
N/A
   
N/A
   
N/A
Survivor’s Option:
   
Yes
   
Yes
   
Yes
Callable by Issuer:
   
Yes
   
Yes
   
Yes
If Callable by Issuer, dates and terms of redemption (including the redemption price)
   
11/15/05
Callable one time only at 100% on call date above with 30 days notice.
   
11/15/06
Callable one time only at 100% on call date above with 30 days notice.
   
11/15/07
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
 
Page 2 of 2
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.