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. 154    Trade Date: 11/1/2004

(To Prospectus dated July 22, 2002 as supplemented

by Prospectus Supplement dated January 10, 2003)

    Issue Date: 11/4/2004

 

The date of this Pricing Supplement is November 1, 2004

 

CUSIP or Common Code:   41013NEW4   41013NEX2   41013NEY0   41013NEZ7   41013NFA1
Price to Public:   100.000%   100.000%   100.000%   100.000%   100.000%
Principal Amount:   $42,000.00   $110,000.00   $647,000.00   $180,000.00   $45,000.00
Proceeds to Issuer:   $41,769.00   $109,312.50   $641,824.00   $178,200.00   $44,437.50
Discounts and Commissions:   0.550%   0.625%   0.800%   1.000%   1.250%
Reallowance:   0.150%   0.150%   0.150%   0.150%   0.200%
Dealer:   99.550%   99.500%   99.350%   99.250%   98.950%
Maturity Date:   5/15/2007   11/15/2007   11/15/2008   11/15/2009   11/15/2011
Stated Annual Interest Rate:   2.650%   2.800%   3.100%   3.350%   3.750%
Interest Payment Frequency:   Semi   Monthly   Monthly   Monthly   Quarterly
First Payment Date:   5/15/2005   12/15/2004   12/15/2004   12/15/2004   2/15/2005
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. 154    Trade Date: 11/1/2004

(To Prospectus dated July 22, 2002 as supplemented

by Prospectus Supplement dated January 10, 2003)

    Issue Date: 11/4/2004

 

The date of this Pricing Supplement is November 1, 2004

 

CUSIP or Common Code:   41013NFB9   41013NFC7   41013NFE3   41013NFF0
Price to Public:   100.000%   100.000%   100.000%   100.000%
Principal Amount:   $108,000.00   $413,000.00   $258,000.00   $2,477,000.00
Proceeds to Issuer:   $106,488.00   $407,218.00   $253,485.00   $2,415,075.00
Discounts and Commissions:   1.400%   1.400%   1.750%   2.500%
Reallowance:   0.200%   0.200%   0.275%   0.350%
Dealer:   98.900%   98.900%   98.600%   97.850%
Maturity Date:   11/15/2012   11/15/2012   11/15/2016   11/15/2029
Stated Annual Interest Rate:   3.900%   Step: 3.000% through 5/14/2007, and 5.750% thereafter (unless called)   4.750%   5.200%
Interest Payment Frequency:   Monthly   Monthly   Semi   Semi
First Payment Date:   12/15/2004   12/15/2004   5/15/2005   5/15/2005
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  

5/15/2007

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

  

5/15/2007

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

  

11/15/2009

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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