-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, JjUfney+UeQQKV0wTGk/MlaO2X6uZNwYFeXTBHZ8EKyto0w9YKI8TLKt1+6fnm/2 zSCJZwkntNoGZgHvDdZf/w== 0001193125-05-011293.txt : 20050125 0001193125-05-011293.hdr.sgml : 20050125 20050125144513 ACCESSION NUMBER: 0001193125-05-011293 CONFORMED SUBMISSION TYPE: 424B2 PUBLIC DOCUMENT COUNT: 1 FILED AS OF DATE: 20050125 DATE AS OF CHANGE: 20050125 FILER: COMPANY DATA: COMPANY CONFORMED NAME: HANCOCK JOHN LIFE INSURANCE CO CENTRAL INDEX KEY: 0000917406 STANDARD INDUSTRIAL CLASSIFICATION: LIFE INSURANCE [6311] IRS NUMBER: 041414660 STATE OF INCORPORATION: MA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 424B2 SEC ACT: 1933 Act SEC FILE NUMBER: 333-85488 FILM NUMBER: 05546917 BUSINESS ADDRESS: STREET 1: CORPORATE LAW DIVISION T-55 STREET 2: P O BOX 111 CITY: BOSTON STATE: MA ZIP: 02117 BUSINESS PHONE: 6175726000 MAIL ADDRESS: STREET 1: CORPORATE LAW DIVISION T-55 STREET 2: P O BOX 111 CITY: BOSTON STATE: MA ZIP: 02117 FORMER COMPANY: FORMER CONFORMED NAME: HANCOCK JOHN MUTUAL LIFE INSURANCE CO / MA DATE OF NAME CHANGE: 19940111 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. 176

    Trade Date: 1/24/2005

(To Prospectus dated July 22, 2002 as supplemented

by Prospectus Supplement dated January 10, 2003)

The date of this Pricing Supplement is January 24, 2005

    Issue Date: 1/27/2005

 

CUSIP or Common Code:

    41013NJZ2    41013NKA5    41013NKB3    41013NKC1    41013NKD9    41013NKF4

Price to Public:

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

Principal Amount:

    $1,268,000.00    $326,000.00    $166,000.00    $184,000.00    $411,000.00    $1,827,000.00

Proceeds to Issuer:

    $1,260,075.00    $323,392.00    $164,132.50    $181,424.00    $405,246.00    $1,781,325.00

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:

    1/15/2008    1/15/2009    1/15/2011    1/15/2013    1/15/2013    1/15/2030

Stated Annual Interest Rate:

    3.400%    3.600%    4.000%    4.200%    Step: 3.350% through 7/14/2007, and 6.000% thereafter (unless called)    5.250%

Interest Payment Frequency:

    Quarterly    Quarterly    Semi    Semi    Monthly    Semi

First Payment Date:

    4/15/2005    4/15/2005    7/15/2005    7/15/2005    2/15/2005    7/15/2005

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   

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 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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