424B2 1 d424b2.htm FORM 424B2 FORM 424B2

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. 189

  

Trade Date: 2/28/2005

(To Prospectus dated July 22, 2002 as supplemented   Issue Date: 3/3/2005

by Prospectus Supplement dated January 10, 2003)

    
The date of this Pricing Supplement is February 28, 2005    

 

CUSIP or Common Code:

      41013NLL0      41013NLM8      41013NLP1

Price to Public:

      100.000%      100.000%      100.000%

Principal Amount:

      $275,000.00      $172,000.00      $2,265,000.00

Proceeds to Issuer:

      $273,281.25      $170,624.00      $2,242,350.00

Discounts and Commissions:

      0.625%      0.800%      1.000%

Reallowance:

      0.150%      0.150%      0.150%

Dealer:

      99.550%      99.375%      99.250%

Maturity Date:

      3/15/2008      3/15/2009      3/15/2010

Stated Annual Interest Rate:

      3.600%      3.750%      4.150%

Interest Payment Frequency:

      Semi      Monthly      Monthly

First Payment Date:

      9/15/2005      4/15/2005      4/15/2005

Additional Amounts:

      N/A      N/A      N/A

Survivor’s Option:

      Yes      Yes      Yes

Callable by Issuer:

      No      No      Yes

If Callable by Issuer, dates and terms

of redemption (including the

redemption price)

      N/A      N/A     

3/15/2007

Callable one time only at

100% on call date above

with 30 days notice.

Original Issue Discount1:

      N/A      N/A      N/A

Other Material Terms (if any):

      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. 189

    Trade Date: 2/28/2005

(To Prospectus dated July 22, 2002 as supplemented

    Issue Date: 3/3/2005

by Prospectus Supplement dated January 10, 2003)

     

The date of this Pricing Supplement is February 28, 2005

     

 

CUSIP or Common Code:

      41013NLQ9      41013NLR7      41013NLT3

Price to Public:

      100.000%      100.000%      100.000%

Principal Amount:

      $210,000.00      $433,000.00      $1,173,000.00

Proceeds to Issuer:

      $207,060.00      $426,938.00      $1,143,675.00

Discounts and Commissions:

      1.400%      1.400%      2.500%

Reallowance:

      0.200%      0.200%      0.350%

Dealer:

      98.900%      98.900%      97.900%

Maturity Date:

      3/15/2013      3/15/2013      3/15/2030

Stated Annual Interest Rate:

      4.250%      Step: 3.650% through 9/14/2007, and 5.750% thereafter (unless called)      5.200%

Interest Payment Frequency:

      Semi      Monthly      Monthly

First Payment Date:

      9/15/2005      4/15/2005      4/15/2005

Additional Amounts:

      N/A      N/A      N/A

Survivor’s Option:

      Yes      Yes      Yes

Callable by Issuer:

      No      Yes      Yes

If Callable by Issuer, dates and terms

of redemption (including the

redemption price)

      N/A     

9/15/2007

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

     

3/15/2010

Callable one time only at 100% on call date above

with 30 days notice.

Original Issue Discount2:

      N/A      N/A      N/A

Other Material Terms (if any):

      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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