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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