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. 172

    Trade Date: 1/10/2005

(To Prospectus dated July 22, 2002 as supplemented

by Prospectus Supplement dated January 10, 2003)

The date of this Pricing Supplement is January 10, 2005

    Issue Date: 1/13/2005

 

CUSIP or Common Code:

      41013NJE9      41013NJF6      41013NJG4      41013NJH2      41013NJJ8

Price to Public:

      100.000%      100.000%      100.000%      100.000%      100.000%

Principal Amount:

      $308,000.00      $255,000.00      $200,000.00      $195,000.00      $25,000.00

Proceeds to Issuer:

      $306,075.00      $252,960.00      $198,000.00      $192,562.50      $24,650.00

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:

      99.550%      99.375%      99.250%      99.000%      98.900%

Maturity Date:

      1/15/2008      1/15/2009      1/15/2010      1/15/2012      1/15/2013

Stated Annual Interest Rate:

      3.250%      3.500%      3.700%      4.000%      4.100%

Interest Payment Frequency:

      Monthly      Semi      Semi      Semi      Semi

First Payment Date:

      2/15/2005      7/15/2005      7/15/2005      7/15/2005      7/15/2005

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. 172

    Trade Date: 1/10/2005

(To Prospectus dated July 22, 2002 as supplemented

by Prospectus Supplement dated January 10, 2003)

The date of this Pricing Supplement is January 10, 2005

    Issue Date: 1/13/2005

 

CUSIP or Common Code:

      41013NJK5      41013NJL3      41013NJN9      41013NJP4

Price to Public:

      100.000%      100.000%      100.000%      100.000%

Principal Amount:

      $429,000.00      $30,000.00      $60,000.00      $817,000.00

Proceeds to Issuer:

      $422,994.00      $29,550.00      $58,950.00      $796,575.00

Discounts and Commissions:

      1.400%      1.500%      1.750%      2.500%

Reallowance:

      0.200%      0.200%      0.275%      0.350%

Dealer:

      98.900%      98.800%      98.600%      97.900%

Maturity Date:

      1/15/2013      1/15/2015      1/15/2017      1/15/2030

Stated Annual Interest Rate:

      Step: 3.200% through 7/14/2007, and 6.000% thereafter (unless called)      4.350%      4.850%      5.250%

Interest Payment Frequency:

      Monthly      Semi      Semi      Semi

First Payment Date:

      2/15/2005      7/15/2005      7/15/2005      7/15/2005
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)		     

7/15/2007

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

      N/A     

7/15/2007

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

     

1/15/2010

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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