424B2 1 d424b2.htm 424 (B) (2) 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. 22
   
Trade Date: 12/30/2002
(To Prospectus dated July 22, 2002)
   
Issue Date: 1/3/2003
 
The date of this Pricing Supplement is December 30, 2002
 
CUSIP or Common Code:
   
41013MET3
   
41013MEU0
   
41013MEV8
   
41013MEW6
Price to Public:
   
100.000%
   
100.000%
   
100.000%
   
100.000%
Proceeds to Issuer:
   
$555,520.00
   
$317,492.00
   
$1,480,780.00
   
$4,986,980.00
Discounts and Commissions:
   
0.800%
   
1.400%
   
2.000%
   
2.750%
Reallowance:
   
0.150%
   
0.200%
   
0.350%
   
0.350%
Dealer:
   
99.350%
   
98.800%
   
98.350%
   
97.600%
Maturity Date:
   
1/15/2007
   
1/15/2011
   
1/15/2018
   
1/15/2028
Stated Annual Interest Rate:
   
3.100%
   
4.300%
   
5.300%
   
5.700%
Interest Payment Frequency:
   
Quarterly
   
Monthly
   
Monthly
   
Monthly
First Payment Date:
   
4/15/2003
   
2/15/2003
   
2/15/2003
   
2/15/2003
Additional Amounts:
   
N/A
   
N/A
   
N/A
   
N/A
Survivor’s Option:
   
Yes
   
Yes
   
Yes
   
Yes
Callable by Issuer:
             
Yes
   
Yes
If Callable by Issuer, dates and terms of redemption
(including the redemption price)
   
N/A
   
N/A
   
1/15/2006 Callable one time only at 100% on call date above with 30 days notice.
   
1/15/2008 Callable one time only at 100% on call date above with 30 days notice.
Original Issue Discount1:
   
N/A
   
N/A
   
N/A
   
N/A
Other Material Terms (if any):
   
N/A
   
N/A
   
N/A
   
N/A
 
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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.