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. 23
   
Trade Date: 1/6/2003
(To Prospectus dated July 22, 2002)
   
Issue Date: 1/9/2003
 
The date of this Pricing Supplement is January 6, 2003
 
CUSIP or Common Code:
   
41013MEX4
   
41013MEY2
   
41013MEZ9
   
41013MFA3
Price to Public:
   
100.000%
   
100.000%
   
100.000%
   
100.000%
Proceeds to Issuer:
   
$792,000.00
   
$457,040.00
   
$1,547,420.00
   
$8,384,895.00
Discounts and Commissions:
   
1.000%
   
1.500%
   
2.000%
   
2.750%
Reallowance:
   
0.150%
   
0.200%
   
0.350%
   
0.350%
Dealer:
   
99.200%
   
98.800%
   
98.350%
   
97.600%
Maturity Date:
   
1/15/2008
   
1/15/2013
   
1/15/2018
   
1/15/2028
Stated Annual Interest Rate:
   
3.300%
   
4.600%
   
5.150%
   
5.500%
Interest Payment Frequency:
   
Monthly
   
Monthly
   
Monthly
   
Monthly
First Payment Date:
   
2/15/2003
   
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
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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