424B2 1 d424b2.htm FORM 424(B)(2) Form 424(b)(2)
 
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. 15
   
Trade Date: 11/18/02
(To Prospectus dated July 22, 2002)
   
Issue Date: 11/21/02
 
The date of this Pricing Supplement is November 18, 2002
 
 
CUSIP or Common Code:
   
41013MCR9
   
41013MCS7
   
41013MCT5
   
41013MCU2
Price to Public:
   
100.000%
   
100.000%
   
100.000%
   
100.000%
Proceeds to Issuer:
   
$1,770,120.00
   
$525,538.00
   
$945,600.00
   
$355,665.00
Discounts and Commissions:
   
1.000%
   
1.400%
   
1.500%
   
1.750%
Reallowance:
   
0.150%
   
0.200%
   
0.200%
   
0.275%
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:
   
3.450%
   
4.150%
   
4.650%
   
4.750%
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. 15
   
Trade Date: 11/18/02
(To Prospectus dated July 22, 2002)
   
Issue Date: 11/21/02
 
The date of this Pricing Supplement is November 18, 2002
 
CUSIP or Common Code:
  
41013MCV0
  
41013MCW8
  
41013MCX6
Price to Public:
  
100.000%
  
100.000%
  
100.000%
Proceeds to Issuer:
  
$2,312,800.00
  
$1,042,275.00
  
$4,566,860.00
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:
  
5.250%
  
5.400%
  
5.600%
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.