424B2 1 d424b2.htm PRICING SUPPLEMENT NO 73 PRICING SUPPLEMENT NO 73

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. 73    Trade Date: 12/22/2003

(To Prospectus dated July 22, 2002 as supplemented

by Prospectus Supplement dated January 10, 2003)

    Issue Date: 12/26/2003

 

The date of this Pricing Supplement is December 22, 2003

 

CUSIP or Common Code:   41013MZW3   41013MZX1   41013MZY9   41013MZZ6   41013MA26
Price to Public:   100.000%   100.000%   100.000%   100.000%   100.000%
Proceeds to Issuer:   $1,851,356.25   $1,500,896.00   $661,320.00   $8,309,022.00   $2,788,408.00
Discounts and Commissions:   0.625%   0.800%   1.000%   1.400%   1.400%
Reallowance:   0.150%   0.150%   0.150%   0.200%   0.200%
Dealer:   99.500%   99.350%   99.200%   98.800%   98.800%
Maturity Date:   12/15/2006   12/15/2007   1/15/2009   12/15/2011   12/15/2011
Stated Annual                    
Interest Rate:   2.500%   3.050%   3.500%   Step: 2.900% through 12/14/2005, and 6.000% thereafter (unless called)   4.300%
Interest Payment Frequency:   Monthly   Monthly   Monthly   Monthly   Monthly
First Payment Date:   1/15/2004   1/15/2004   1/15/2004   1/15/2004   1/15/2004
Additional Amounts:   N/A   N/A   N/A   N/A   N/A
Survivor’s Option:   Yes   Yes   Yes   Yes   Yes
Callable by Issuer:   No   No   No   Yes   No
If Callable by Issuer, dates and terms of redemption (including the redemption price)   N/A   N/A   N/A  

12/15/2005

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   N/A
Other Material Terms (if any):   N/A   N/A   N/A   N/A   N/A

 

Effective April 7, 2003 the name of Solomon Smith Barney Inc., an agent of the program, was changed to Citigroup Global Markets Inc.

 

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

Signature Notes

With Maturities of Twelve Months or More from Date of Issue

 

Pricing Supplement No. 73

(To Prospectus dated July 22, 2002 as supplemented

by Prospectus Supplement dated January 10, 2003)

 

The date of this Pricing Supplement is December 22, 2003

  

Trade Date: 12/22/2003

Issue Date: 12/26/2003

 

CUSIP or Common Code:   41013MA34   41013MA42   41013MA59   41013MA67
Price to Public:   100.000%   100.000%   100.000%   100.000%
Proceeds to Issuer:   $506,290.00   $2,898,375.00   $2,342,200.00   $6,871,685.00
Discounts and Commissions:   1.500%   1.750%   2.000%   2.750%
Reallowance:   0.200%   0.275%   0.350%   0.350%
Dealer:   98.800%   98.600%   98.350%   97.600%
Maturity Date:   12/15/2013   12/15/2015   12/15/2018   12/15/2028
Stated Annual Interest Rate:   4.750%   5.250%   5.500%   5.700%
Interest Payment Frequency:   Semi   Semi   Semi   Quarterly
First Payment Date:   6/15/2004   6/15/2004   6/15/2004   3/15/2004
Additional Amounts:   N/A   N/A   N/A   N/A
Survivor’s Option:   Yes   Yes   Yes   Yes
Callable by Issuer:   No   Yes   Yes   Yes
If Callable by Issuer, dates and terms of redemption (including the redemption price)   N/A  

6/15/2006

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

  

12/15/2006

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

  

3/15/2009

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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