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. 170

    Trade Date: 12/27/2004

(To Prospectus dated July 22, 2002 as supplemented

by Prospectus Supplement dated January 10, 2003)

    Issue Date: 12/30/2004

 

The date of this Pricing Supplement is December 27, 2004

 

CUSIP or Common Code:

    41013NHX9   41013NHY7   41013NHZ4   41013NJA7   41013NJB5   41013NJD1

Price to Public:

    100.000%   100.000%   100.000%   100.000%   100.000%   100.000%

Principal Amount:

    $240,000.00   $215,000.00   $120,000.00   $285,000.00   $260,000.00   $988,000.00

Proceeds to Issuer:

    $238,500.00   $213,280.00   $118,650.00   $281,010.00   $256,360.00   $963,300.00

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%   3.400%   3.750%   4.100%   Step: 3.150%
through 6/14/2007,
and 6.000%
thereafter (unless
called)		   5.200%

Interest Payment Frequency:

    Quarterly   Semi   Quarterly   Semi   Monthly   Semi

First Payment Date:

    3/15/2005   6/15/2005   3/15/2005   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.

 

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