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. 21
Trade Date: 12/23/2002
(To Prospectus dated July 22, 2002)
Issue Date: 12/27/2002
 
The date of this Pricing Supplement is December 23, 2002
 
CUSIP or Common Code:
   
41013MEJ5
   
41013MEK2
   
41013MEL0
   
41013MEM8
   
41013MEN6
Price to Public:
   
100.000%
   
100.000%
   
100.000%
   
100.000%
   
100.000%
Proceeds to Issuer:
   
$1,512,487.50
   
$2,044,512.00
   
$1,820,610.00
   
$3,610,732.00
   
$2,106,915.00
Discounts and Commissions:
   
0.625%
   
0.800%
   
1.000%
   
1.400%
   
1.500%
Reallowance:
   
0.150%
   
0.150%
   
0.150%
   
0.200%
   
0.200%
Dealer:
   
99.500%
   
99.350%
   
99.200%
   
98.800%
   
98.800%
Maturity Date:
   
12/15/2005
   
12/15/2006
   
12/15/2007
   
12/15/2010
   
12/15/2012
Stated Annual Interest Rate:
   
2.700%
   
3.200%
   
3.650%
   
4.400%
   
4.900%
Interest Payment Frequency:
   
Monthly
   
Monthly
   
Monthly
   
Monthly
   
Monthly
First Payment Date:
   
1/15/2003
   
1/15/2003
   
1/15/2003
   
1/15/2003
   
1/15/2003
Additional Amounts:
   
N/A
   
N/A
   
N/A
   
N/A
   
N/A
Survivor’s Option:
   
Yes
   
Yes
   
Yes
   
Yes
   
Yes
Callable by Issuer:
   
No
   
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
   
N/A
Original Issue Discount1:
   
N/A
   
N/A
   
N/A
   
N/A
   
N/A
Other Material Terms (if any):
   
N/A
   
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. 21
Trade Date: 12/23/2002
(To Prospectus dated July 22, 2002)
Issue Date: 12/27/2002
 
The date of this Pricing Supplement is December 23, 2002
 
CUSIP or Common Code:
   
41013MEP1
   
41013MEQ9
   
41013MER7
   
41013MES5
Price to Public:
   
100.000%
   
100.000%
   
100.000%
   
100.000%
Proceeds to Issuer:
   
$982,500.00
   
$1,004,500.00
   
$1,325,025.00
   
$7,401,697.50
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:
   
12/15/2014
   
12/15/2017
   
12/15/2022
   
12/15/2027
Stated Annual Interest Rate:
   
5.000%
   
5.350%
   
5.500%
   
5.750%
Interest Payment Frequency:
   
Monthly
   
Monthly
   
Monthly
   
Monthly
First Payment Date:
   
1/15/2003
   
1/15/2003
   
1/15/2003
   
1/15/2003
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
   
12/15/2005
Callable one time only at 100% on call date above with 30 days notice.
   
N/A
   
12/15/2007
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
 
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.

2