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. 183

    Trade Date: 2/14/2005

(To Prospectus dated July 22, 2002 as supplemented

by Prospectus Supplement dated January 10, 2003)

    Issue Date: 2/17/2005

The date of this Pricing Supplement is February 14, 2005

     

 

CUSIP or Common Code:

    41013NKV9   41013NKW7   41013NKY3   41013NKZ0   41013NLA4   41013NLC0

Price to Public:

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

Principal Amount:

    $465,000.00   $723,000.00   $181,000.00   $135,000.00   $1,136,000.00   $430,000.00

Proceeds to Issuer:

    $462,093.75   $717,216.00   $178,963.75   $133,110.00   $1,120,096.00   $419,250.00

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:

    2/15/2008   2/15/2009   2/15/2011   2/15/2013   2/15/2013   2/15/2030

Stated Annual Interest Rate:

    3.450%   3.650%   3.900%   4.100%   Step:
3.450%
through
8/14/2007,
and 5.750%
thereafter
(unless
called)		   5.050%

Interest Payment Frequency:

    Semi   Semi   Semi   Semi   Monthly   Semi

First Payment Date:

    8/15/2005   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   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   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   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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