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. 45

    Trade Date: 6/9/2003

(To Prospectus dated July 22, 2002)

    Issue Date: 6/12/2003

 

The date of this Pricing Supplement is June 9, 2003

 

CUSIP or Common Code:

    41013MQA1    41013MQB9    41013MQC7    41013MQD5

Price to Public:

    100.000%    100.000%    100.000%    100.000%

Proceeds to Issuer:

    $2,641,696.00    $103,950.00    $2,855,456.00    $469,336.00

Discounts and Commissions:

    0.800%    1.000%    1.400%    1.400%

Reallowance:

    0.150%    0.150%    2.000%    2.000%

Dealer:

    99.350%    99.200%    98.800%    98.800%

Maturity Date:

    6/15/2007    6/15/2008    6/15/2011    6/15/2011

Stated Annual Interest Rate:

    2.200%    2.600%    Step: 2.600% through 6/14/2005, and 4.500% thereafter (unless called)    3.400%

Interest Payment Frequency:

    Monthly    Monthly    Monthly    Monthly

First Payment Date:

    7/15/2003    7/15/2003    7/15/2003    7/15/2003

Additional Amounts:

    N/A    N/A    N/A    N/A

Survivor’s Option:

    Yes    Yes    Yes    Yes

Callable by Issuer:

    No    No    Yes    No
If Callable by Issuer, dates and terms of redemption (including the redemption price)    N/A    N/A   

6/15/2005

Callable one time only at 100% on call date above with 30 days notice.

    N/A

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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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. 45

    Trade Date: 6/9/2003

(To Prospectus dated July 22, 2002)

    Issue Date: 6/12/2003

 

The date of this Pricing Supplement is June 9, 2003

 

CUSIP or Common Code:

    41013MQE3    41013MQF0    41013MQG8

Price to Public:

    100.000%    100.000%    100.000%

Proceeds to Issuer:

    $1,771,030.00    $2,110,410.00    $19,443,192.50

Discounts and Commissions:

    1.500%    1.750%    2.750%

Reallowance:

    2.000%    2.750%    3.500%

Dealer:

    98.800%    98.600%    97.600%

Maturity Date:

    6/15/2013    6/15/2015    6/15/2028

Stated Annual Interest Rate:

    4.000%    4.400%    5.100%

Interest Payment Frequency:

    Semi    Monthly    Monthly

First Payment Date:

    12/15/2003    7/15/2003    7/15/2003

Additional Amounts:

    N/A    N/A    N/A

Survivor’s Option:

    Yes    Yes    Yes

Callable by Issuer:

    No    Yes    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.

   

6/15/2008

Callable one time only at 100% on call date above with 30 days notice.

Original Issue Discount2:

    N/A    N/A    N/A

Other Material Terms (if any):

    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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