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. 148

    Trade Date: 10/12/2004

(To Prospectus dated July 22, 2002 as supplemented

by Prospectus Supplement dated January 10, 2003)

    Issue Date: 10/15/2004

 

The date of this Pricing Supplement is October 12, 2004

 

CUSIP or Common Code:

     

41013NDQ8

     

41013NDR6

     

41013NDS4

     

41013NDT2

     

41013NDU9

Price to Public:

     

100.000%

     

100.000%

     

100.000%

     

100.000%

     

100.000%

Principal Amount:

     

$1,226,000.00

     

$570,000.00

     

$558,000.00

     

$578,000.00

     

$981,000.00

Proceeds to Issuer:

     

$1,218,337.50

     

$565,440.00

     

$552,420.00

     

$570,775.00

     

$967,266.00

Discounts and

Commissions:

     

0.625%

     

0.800%

     

1.000%

     

1.250%

     

1.400%

Reallowance:

     

0.150%

     

0.150%

     

0.150%

     

0.200%

     

0.200%

Dealer:

     

99.500%

     

99.375%

     

99.250%

     

99.000%

     

98.850%

Maturity Date:

     

10/15/2007

     

10/15/2008

     

10/15/2009

     

10/15/2011

     

10/15/2012

Stated Annual Interest

Rate:

     

3.050%

     

3.400%

     

3.700%

     

4.000%

     

4.250%

Interest Payment

Frequency:

     

Monthly

     

Monthly

     

Semi

     

Monthly

     

Monthly

First Payment Date:

     

11/15/2004

     

11/15/2004

     

4/15/2005

     

11/15/2004

     

11/15/2004

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 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

SignatureNotes

With Maturities of Twelve Months or More from Date of Issue

 

Pricing Supplement No. 148

    Trade Date: 10/12/2004

(To Prospectus dated July 22, 2002 as supplemented

by Prospectus Supplement dated January 10, 2003)

    Issue Date: 10/15/2004

 

The date of this Pricing Supplement is October 12, 2004

 

CUSIP or Common

Code:

   

41013NDV7

   

41013NDW5

   

41013NDY1

   

41013NDZ8

Price to Public:

   

100.000%

   

100.000%

   

100.000%

   

100.000%

Principal Amount:

   

$4,845,000.00

   

$147,000.00

   

$2,237,000.00

   

$4,679,000.00

Proceeds to Issuer:

   

$4,777,170.00

   

$144,795.00

   

$2,197,852.50

   

$4,562,025.00

Discounts and

Commissions:

   

1.400%

   

1.500%

   

1.750%

   

2.500%

Reallowance:

   

0.200%

   

0.200%

   

0.275%

   

0.350%

Dealer:

   

98.850%

   

98.850%

   

98.650%

   

97.900%

Maturity Date:

   

10/15/2012

   

10/15/2014

   

10/15/2016

   

10/15/2029

Stated Annual

Interest Rate:

   

Step: 3.250% through

4/14/2007, and

6.000%

thereafter (unless

called)

   

4.500%

   

5.100%

   

5.500%

Interest Payment

Frequency:

   

Monthly

   

Monthly

   

Semi

   

Semi

First Payment Date:

   

11/15/2004

   

11/15/2004

   

4/15/2005

   

4/15/2005

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)

   

4/15/2007

Callable one time only

at 100% on call date

above with 30 days

notice.

   

N/A

   

4/15/2007

Callable one time

only at 100% on call

date above with 30

days notice.

   

10/15/2009

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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