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. 18(a)
   
Trade Date: 12/02/02
(To Prospectus dated July 22, 2002 and unnumbered
Pricing Supplement filed December 3, 2002)
   
Issue Date: 12/05/02
 
The date of this Pricing Supplement is December 4, 2002
 
CUSIP or Common Code:
   
41013MDG2
   
41013MDH0
     
41013MDJ6
   
41013MDK3
Price to Public:
   
100.000%
   
100.000%
     
100.000%
   
100.000%
Proceeds to Issuer:
   
$626,944.00
   
$931,590.00
     
$700,060.00
   
$1,039,175.00
Discounts and Commissions:
   
0.800%
   
1.000%
     
1.400%
   
1.500%
Reallowance:
   
0.150%
   
0.150%
     
0.200%
   
0.200%
Dealer:
   
99.350%
   
99.200%
     
98.800%
   
98.800%
Maturity Date:
   
12/15/06
   
12/15/07
     
12/15/10
   
12/15/12
Stated Annual Interest Rate:
   
3.350%
   
3.800%
     
4.500%
   
5.000%
Interest Payment Frequency:
   
Monthly
   
Monthly
     
Monthly
   
Semi
First Payment Date:
   
1/15/03
   
1/15/03
     
1/15/03
   
6/15/03
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
 
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. 333-85488
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. 18(a)
   
Trade Date: 12/02/02
(To Prospectus dated July 22, 2002 and unnumbered
Pricing Supplement filed December 3, 2002)
   
Issue Date: 12/05/02
 
The date of this Pricing Supplement is December 4, 2002
 
CUSIP or Common Code:
  
41013MDL1
  
41013MDM9
  
41013MDN7
  
41013MDP2
Price to Public:
  
100.000%
  
100.000%
  
100.000%
  
100.000%
Proceeds to Issuer:
  
$603,255.00
  
$1,085,840.00
  
$318,825.00
  
$2,851,370.00
Discounts and Commissions:
  
1.750%
  
2.000%
  
2.500%
  
2.750%
Reallowance:
  
0.275%
  
0.350%
  
0.350%
  
0.350%
Dealer:
  
98.600%
  
98.350%
  
97.850%
  
97.600%
Maturity Date:
  
12/15/14
  
12/15/17
  
12/15/22
  
12/15/27
Stated Annual Interest Rate:
  
5.050%
  
5.400%
  
5.550%
  
5.850%
Interest Payment Frequency:
  
Monthly
  
Monthly
  
Monthly
  
Monthly
First Payment Date:
  
1/15/03
  
1/15/03
  
1/15/03
  
1/15/03
Additional Amounts:
  
N/A
  
N/A
  
N/A
  
N/A
Survivor’s Option:
  
Yes
  
Yes
  
Yes
  
Yes
Callable by Issuer:
  
No
  
Yes
  
No
  
Yes
If Callable by Issuer, dates and
terms of redemption (including
the redemption price)
  
N/A
  
12/15/05
Callable one time only at 100% on call date above with 30 days notice.
  
N/A
  
12/15/07
Callable one time only at 100% on call date above with 30 days notice.
Original Issue Discount2:
  
N/A
  
N/A
  
N/A
  
N/A
Other Material Terms (if any):
  
N/A
  
N/A
  
N/A
  
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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