424B2 1 d424b2.htm 424(B)(2) 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. 168

    Trade Date: 12/20/2004

(To Prospectus dated July 22, 2002 as supplemented

by Prospectus Supplement dated January 10, 2003)

    Issue Date: 12/23/2004

 

The date of this Pricing Supplement is December 20, 2004

 

CUSIP or Common Code:

    41013NHQ4    41013NHR2    41013NHS0    41013NHT8    41013NHU5   41013NHW1
Price to Public:    100.000%    100.000%    100.000%    100.000%    100.000%   100.000%
Principal Amount:    $540,000.00    $260,000.00    $175,000.00    $644,000.00    $919,000.00   $821,000.00
Proceeds to Issuer:    $536,625.00    $257,920.00    $173,031.25    $634,984.00    $906,134.00   $800,475.00
Discounts and Commissions:    0.625%    0.800%    1.125%    1.400%    1.400%   2.500%
Reallowance:    0.150%    0.150%    0.175%    0.200%    0.200%   0.350%
Dealer:    99.550%    99.375%    99.100%    98.900%    98.900%   97.900%
Maturity Date:    12/15/2007    12/15/2008    12/15/2010    12/15/2012    12/15/2012   12/15/2029
Stated Annual Interest Rate:    3.150%    3.350%    3.750%    4.050%    Step: 3.150%
through 6/14/2007,
and 6.000%
thereafter (unless
called)		   5.200%
Interest Payment Frequency:    Semi    Quarterly    Semi    Semi    Monthly   Semi
First Payment Date:    6/15/2005    3/15/2005    6/15/2005    6/15/2005    1/15/2005   6/15/2005
Additional Amounts:    N/A    N/A    N/A    N/A    N/A   N/A
Survivor’s Option:    Yes    Yes    Yes    Yes    Yes   Yes
Callable by Issuer:    No    No    No    No    Yes   Yes
If Callable by Issuer, dates and terms of redemption (including the redemption price)    N/A    N/A    N/A    N/A    6/15/2007
Callable one time
only at 100% on
call date above
with 30 days
notice.		   12/15/2009
Callable one time
only at 100% on
call date above
with 30 days
notice.
Original Issue Discount1:    N/A    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   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.

 

Page 1 of 1