424B2 1 jhlico.txt JOHN HANCOCK LIFE INSURANCE COMPANY Registration No. 333-124223 Filed Pursuant to Rule 424(b)(2) John Hancock Life Insurance Company SignatureNotes With Maturities of Twelve Months or More from Date of Issue Fully and Unconditionally Guaranteed By Manulife Financial Corporation -------------------------------------------------------------------------------- Pricing Supplement No. 40 Trade Date: 5/1/2006 (To Prospectus dated July 8, 2005) Issue Date: 5/4/2006 The date of this Pricing Supplement is May 1, 2006
CUSIP or Common Code: 41013NM88 Price to Public: 100.00% Principal Amount: $ 180,000.00 Proceeds to Issuer: $ 178,965.00 Discounts and Commissions: 0.575% Reallowance: 0.400% Dealer: 99.550% Maturity Date: Friday, May 15, 2009 Stated Annual Interest Rate: Floating Rate Note Interest Rate Determination Date: The 7th business day preceding an Interest Reset Date. Interest Reset Periods: Monthly. The first interest period will run from and including the Issue Date to but excluding June 15, 2006. Interest Reset Dates: The 15th day of each month during the term of the notes, beginning June 15, 2006. Day Count Convention: 30/360 Interest Rate Basis: Consumer Price Index Adjustment Rate Index Maturity: N/A Spread: +1.72% Initial Interest Rate: 5.08% Maximum Interest Rate: N/A Minimum Interest Rate: 0.00% per annum with respect to each Interest Reset Period Interest Payment Frequency and Dates: Monthly, from and including an Interest Reset Date to and excluding the next succeeding Interest Reset Date, except that the first period shall be the period from and including the Issue Date to but excluding June 15, 2006 (or, if such day is not a business day, the following business day). Interest Payment Date: The 15th day of each month during the term of the notes, beginning June 15, 2006 (or, if such day is not a business day, the next following business day, in which case interest on that interest payment will not accrue for the period from the scheduled interest payment date to the next following business day on which the interest payment is made). Additional Amounts: N/A Survivor's Option: Yes Callable by Issuer: No If Callable by Issuer, dates and terms of N/A redemption (including the redemption price): Original Issue Discount(1): N/A Other Material Terms (if any): N/A
Page 1 of 3 ----------------------------------- (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. 333-124223 Filed Pursuant to Rule 424(b)(2) John Hancock Life Insurance Company SignatureNotes With Maturities of Twelve Months or More from Date of Issue Fully and Unconditionally Guaranteed By Manulife Financial Corporation -------------------------------------------------------------------------------- Pricing Supplement No. 40 Trade Date: 5/1/2006 (To Prospectus dated July 8, 2005) Issue Date: 5/4/2006 The date of this Pricing Supplement is May 1, 2006
CUSIP or Common Code: 41013NM96 Price to Public: 100.00% Principal Amount: $ 582,000.00 Proceeds to Issuer: $ 576,616.50 Discounts and Commissions: 0.925% Reallowance: 0.700% Dealer: 99.250% Maturity Date: Sunday, May 15, 2011 Stated Annual Interest Rate: Floating Rate Note Interest Rate Determination Date: The 7th business day preceding an Interest Reset Date. Interest Reset Periods: Monthly. The first interest period will run from and including the Issue Date to but excluding June 15, 2006. Interest Reset Dates: The 15th day of each month during the term of the notes, beginning June 15, 2006. Day Count Convention: 30/360 Interest Rate Basis: Consumer Price Index Adjustment Rate Index Maturity: N/A Spread: +2.05% Initial Interest Rate: 5.41% Maximum Interest Rate: N/A Minimum Interest Rate: 0.00% per annum with respect to each Interest Reset Period Interest Payment Frequency and Dates: Monthly, from and including an Interest Reset Date to and excluding the next succeeding Interest Reset Date, except that the first period shall be the period from and including the Issue Date to but excluding June 15, 2006 (or, if such day is not a business day, the following business day). Interest Payment Date: The 15th day of each month during the term of the notes, beginning June 15, 2006 (or, if such day is not a business day, the next following business day, in which case interest on that interest payment will not accrue for the period from the scheduled interest payment date to the next following business day on which the interest payment is made). Additional Amounts: N/A Survivor's Option: Yes Callable by Issuer: No If Callable by Issuer, dates and terms of N/A redemption (including the redemption price): Original Issue Discount(2): N/A Other Material Terms (if any): N/A
Page 2 of 3 ----------------------------------- (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. Registration No. 333-124223 Filed Pursuant to Rule 424(b)(2) John Hancock Life Insurance Company SignatureNotes With Maturities of Twelve Months or More from Date of Issue Fully and Unconditionally Guaranteed By Manulife Financial Corporation -------------------------------------------------------------------------------- Pricing Supplement No. 40 Trade Date: 5/1/2006 (To Prospectus dated July 8, 2005) Issue Date: 5/4/2006 The date of this Pricing Supplement is May 1, 2006
CUSIP or Common Code: 41013NN20 41013NN38 Price to Public: 100.000% 100.000% Principal Amount: $681,000.00 $142,000.00 Proceeds to Issuer: $674,700.75 $138,627.50 Discounts and Commissions: 0.925% 2.375% Reallowance: 0.700% 2.000% Dealer: 99.250% 97.900% Maturity Date: 5/15/2011 5/15/2031 Stated Annual Interest Rate: 5.250% 5.850% Interest Payment Frequency: Monthly Monthly First Payment Date: 6/15/2006 6/15/2006 Additional Amounts: N/A N/A Survivor's Option: Yes Yes Callable by Issuer: Yes Yes If Callable by Issuer, 5/15/2008 5/15/2011 dates and terms of Callable one time only at 100% on call Callable one time only at 100% on call redemption (including date above with 30 days notice date above with 30 days notice the redemption price) Original Issue N/A N/A Discount(3): Other Material Terms N/A N/A (if any):
Page 3 of 3 ----------------------------------- (3) 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 As of September 12, 2005 ABN AMRO Financial Services, Inc. changed its name to LaSalle Financial Services, Inc. Consequently, all references to "ABN AMRO Financial Services, Inc." in the prospectus are amended to read "LaSalle Financial Services, Inc.".