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. 174

    Trade Date: 1/18/2005

(To Prospectus dated July 22, 2002 as supplemented

by Prospectus Supplement dated January 10, 2003)

The date of this Pricing Supplement is January 18, 2005

    Issue Date: 1/21/2005

 

CUSIP or Common Code:

      41013NJQ2      41013NJR0      41013NJS8      41013NJT6

Price to Public:

      100.000%      100.000%      100.000%      100.000%

Principal Amount:

      $337,000.00      $619,000.00      $30,000.00      $364,000.00

Proceeds to Issuer:

      $334,893.75      $614,048.00      $29,700.00      $359,450.00

Discounts and Commissions:

      0.625%      0.800%      1.000%      1.250%

Reallowance:

      0.150%      0.150%      0.150%      0.200%

Dealer:

      99.550%      99.375%      99.250%      99.000%

Maturity Date:

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

Stated Annual Interest Rate:

      3.400%      3.600%      3.800%      4.050%

Interest Payment Frequency:

      Semi      Semi      Semi      Monthly

First Payment Date:

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

Additional Amounts:

      N/A      N/A      N/A      N/A

Survivor’s Option:

      Yes      Yes      Yes      Yes

Callable by Issuer:

      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

Original Issue Discount1:

      N/A      N/A      N/A      N/A

Other Material Terms (if any):

      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. 174

    Trade Date: 1/18/2005

(To Prospectus dated July 22, 2002 as supplemented

by Prospectus Supplement dated January 10, 2003)

The date of this Pricing Supplement is January 18, 2005

    Issue Date: 1/21/2005

 

CUSIP or Common Code:

      41013NJU3      41013NJV1      41013NJW9      41013NJY5

Price to Public:

      100.000%      100.000%      100.000%      100.000%

Principal Amount:

      $85,000.00      $447,000.00      $0.00      $735,000.00

Proceeds to Issuer:

      $83,810.00      $440,742.00      $0.00      $716,625.00

Discounts and Commissions:

      1.400%      1.400%      1.500%      2.500%

Reallowance:

      0.200%      0.200%      0.200%      0.350%

Dealer:

      98.900%      98.900%      98.800%      97.900%

Maturity Date:

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

Stated Annual Interest Rate:

      4.200%      Step: 3.350% through 7/14/2007, and 6.000% thereafter (unless called)      4.450%      5.300%

Interest Payment Frequency:

      Semi      Monthly      Semi      Semi

First Payment Date:

      7/15/2005      2/15/2005      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:      No      Yes      No      Yes
If Callable by Issuer, dates and terms of redemption (including the redemption price)      N/A     

7/15/2007

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

      N/A     

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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