-----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, Bd5u6aMxY6Aztk0nKNQ2apow7aqz3jSPJlv8dlfv/PgWj8iVBo+2I8/kCyY/qgdv dCA72kfG7kBRDXDmSvPHgQ== 0001193125-05-016092.txt : 20050201 0001193125-05-016092.hdr.sgml : 20050201 20050201122737 ACCESSION NUMBER: 0001193125-05-016092 CONFORMED SUBMISSION TYPE: 424B2 PUBLIC DOCUMENT COUNT: 1 FILED AS OF DATE: 20050201 DATE AS OF CHANGE: 20050201 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: 05564720 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. 178

   Trade Date: 1/31/2005

(To Prospectus dated July 22, 2002 as supplemented

by Prospectus Supplement dated January 10, 2003)

The date of this Pricing Supplement is January 31, 2005

   Issue Date: 2/3/2005

 

CUSIP or Common Code:

      41013NKG2      41013NKH0      41013NKJ6      41013NKK3      41013NKM9

Price to Public:

      100.000%      100.000%      100.000%      100.000%      100.000%

Principal Amount:

      $701,000.00      $158,000.00      $309,000.00      $765,000.00      $1,003,000.00

Proceeds to Issuer:

      $696,618.75      $156,736.00      $305,137.50      $754,290.00      $977,925.00

Discounts and Commissions:

      0.625%      0.800%      1.250%      1.400%      2.500%

Reallowance:

      0.150%      0.150%      0.200%      0.200%      0.350%

Dealer:

      99.550%      99.375%      99.000%      98.900%      97.900%

Maturity Date:

      2/15/2008      2/15/2009      2/15/2012      2/15/2013      2/15/2030

Stated Annual Interest Rate:

      3.350%      3.600%      4.000%      Step: 3.300% through 8/14/2007, and 6.000% thereafter (unless called)      5.150%

Interest Payment Frequency:

      Semi      Semi      Semi      Monthly      Semi

First Payment Date:

      8/15/2005      8/15/2005      8/15/2005      3/15/2005      8/15/2005

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      Yes      Yes
If Callable by Issuer, dates and terms
of redemption (including the
redemption price)		      N/A      N/A      N/A     

8/15/2007

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

     

2/15/2010

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

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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