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. 25
   
Trade Date: 1/21/2003
(To Prospectus dated July 22, 2002)
   
Issue Date: 1/24/2003
 
The date of this Pricing Supplement is January 21, 2003
 
 
CUSIP or Common Code:
   
41013MFL9
   
41013MFM7
   
41013MFN5
   
41013MFP0
   
41013MFQ8
Price to Public:
   
100.000%
   
100.000%
   
100.000%
   
100.000%
   
100.000%
Proceeds to Issuer:
   
$2,720,887.50
   
$1,238,016.00
   
$1,519,650.00
   
$1,217,710.00
   
$1,539,555.00
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:
   
1/15/2006
   
1/15/2007
   
1/15/2008
   
1/15/2011
   
1/15/2013
Stated Annual Interest Rate:
   
2.600%
   
3.100%
   
3.600%
   
4.350%
   
4.850%
Interest Payment Frequency:
   
Monthly
   
Monthly
   
Monthly
   
Monthly
   
Monthly
First Payment Date:
   
2/15/2003
   
2/15/2003
   
2/15/2003
   
2/15/2003
   
2/15/2003
Additional Amounts:
   
N/A
   
N/A
   
N/A
   
N/A
   
N/A
Survivor’s Option:
   
Yes
   
Yes
   
Yes
   
Yes
   
Yes
Callable by Issuer:
                         
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
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. 25
   
Trade Date: 1/21/2003
(To Prospectus dated July 22, 2002)
   
Issue Date: 1/24/2003
 
The date of this Pricing Supplement is January 21, 2003
 
 
CUSIP or Common Code:
   
41013MFR6
   
41013MFS4
   
41013MFT2
   
41013MFU9
Price to Public:
   
100.000%
   
100.000%
   
100.000%
   
100.000%
Proceeds to Issuer:
   
$1,944,367.50
   
$2,695,000.00
   
$608,400.00
   
$8,667,892.50
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:
   
1/15/2015
   
1/15/2018
   
1/15/2023
   
1/15/2028
Stated Annual Interest Rate:
   
5.000%
   
5.350%
   
5.450%
   
5.700%
Interest Payment Frequency:
   
Semi
   
Monthly
   
Monthly
   
Monthly
First Payment Date:
   
7/15/2003
   
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
   
1/15/2006
Callable one time only at 100% on call date above with 30 days notice.
   
N/A
   
1/15/2008
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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