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. 128

    Trade Date: 8/2/2004

(To Prospectus dated July 22, 2002 as supplemented by Prospectus

Supplement dated January 10, 2003)

    Issue Date: 8/5/2004

 

The date of this Pricing Supplement is August 2, 2004

 

CUSIP or Common Code:

   41013M7C8

Price to Public:

   100.000% of the principal amount

Principal Amount:

   $1,015,000.00

Proceeds to Issuer:

   $999,775.00

Discounts and Commissions:

   1.500%

Reallowance:

   0.200%

Dealer:

   98.800%

Maturity Date:

   8/15/2014

Stated Annual Interest Rate:

   Floating Rate Note

Interest Reset Periods:

   Quarterly, commencing on the 15th day of November, February, May and August (or, if such day is not a Business Day, the next following Business Day)

Interest Reset Dates:

   The 15th day of November, February, May and August (or, if such day is not a Business Day, the next following Business Day)

Day Count Convention:

   Actual/365 (Fixed)

Interest Rate Basis:

   Treasury Rate

Index Maturity:

   3 month

Spread:

   +0.75%

Initial Interest Rate:

   2.19554%

Maximum Interest Rate:

   7.00% per annum with respect to each Interest Reset Period

Minimum Interest Rate:

   N/A

Interest Payment Frequency and Dates:

   Quarterly, on the 15th day of November, February, May and August (or, if such day is not a Business Day, the next following Business Day)

First Interest Payment Date:

   11/15/2004

Additional Amounts:

   N/A

Survivor’s Option:

   Yes

Callable by Issuer:

   No

If Callable by Issuer, dates and terms of redemption (including the redemption price)

   N/A

Original Issue Discount1:

   N/A

Other Material Terms (if any):

   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. 128

    Trade Date: 8/2/2004

(To Prospectus dated July 22, 2002 as supplemented by Prospectus

Supplement dated January 10, 2003)

    Issue Date: 8/5/2004

 

The date of this Pricing Supplement is August 2, 2004

 

CUSIP or Common Code:

    41013M6V7   41013M6W5   41013M6X3   41013M6Y1   41013M6Z8

Price to Public:

    100.000%   100.000%   100.000%   100.000%   100.000%

Principal Amount:

    $1,389,000.00   $893,000.00   $1,412,000.00   $555,000.00   $787,000.00

Proceeds to Issuer:

    $1,382,055.00   $887,418.75   $1,400,704.00   $549,450.00   $775,982.00

Discounts and Commissions:

    0.500%   0.625%   0.800%   1.000%   1.400%

Reallowance:

    0.100%   0.150%   0.150%   0.150%   0.200%

Dealer:

    99.625%   99.500%   99.350%   99.200%   98.800%

Maturity Date:

    8/15/2006   8/15/2007   8/15/2008   8/15/2009   8/15/2012

Stated Annual Interest Rate:

    2.750%   3.250%   3.650%   4.000%   4.550%

Interest Payment Frequency:

    Semi   Monthly   Monthly   Semi   Monthly

First Payment Date:

    2/15/2005   9/15/2004   9/15/2004   2/15/2005   9/15/2004

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   No   No

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 Discount2:

    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.

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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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. 128

    Trade Date: 8/2/2004

(To Prospectus dated July 22, 2002 as supplemented by Prospectus

Supplement dated January 10, 2003)

    Issue Date: 8/5/2004

 

The date of this Pricing Supplement is August 2, 2004

 

CUSIP or Common Code:

    41013M7A2   41013M7B0   41013M7E4   41013M7F1

Price to Public:

    100.000%   100.000%   100.000%   100.000%

Principal Amount:

    $1,044,000.00   $163,000.00   $1,746,000.00   $2,464,000.00

Proceeds to Issuer:

    $1,029,384.00   $160,555.00   $1,715,445.00   $2,402,400.00

Discounts and Commissions:

    1.400%   1.500%   1.750%   2.500%

Reallowance:

    0.200%   0.200%   0.275%   0.350%

Dealer:

    98.800%   98.800%   98.600%   97.850%

Maturity Date:

    8/15/2012   8/15/2014   8/15/2016   8/15/2029

Stated Annual Interest Rate:

    Step: 3.200%
through 8/14/2006,
and 6.000%
thereafter (unless
called)		   4.850%   5.350%   5.750%

Interest Payment Frequency:

    Monthly   Monthly   Semi   Semi

First Payment Date:

    9/15/2004   9/15/2004   2/15/2005   2/15/2005

Additional Amounts:

    N/A   N/A   N/A   N/A

Survivor’s Option:

    Yes   Yes   Yes   Yes

Callable by Issuer:

    Yes   No   Yes   Yes

If Callable by Issuer, dates and terms of
redemption (including the redemption price)

    8/15/2006
Callable one time
only at 100% on call
date above with 30
days notice.		   N/A   2/15/2007
Callable one time
only at 100% on call
date above with 30
days notice.		   8/15/2009
Callable one time
only at 100% on call
date above with 30
days notice.

Original Issue Discount3:

    N/A   N/A   N/A   N/A

Other Material Terms (if any):

    N/A   N/A   N/A   N/A
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.

 

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