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. 192

    Trade Date: 3/7/2005

(To Prospectus dated July 22, 2002 as supplemented

by Prospectus Supplement dated January 10, 2003)

    Issue Date: 3/10/2005

The date of this Pricing Supplement is March 7, 2005

 

CUSIP or Common Code:

    41013NLU0   41013NLV8   41013NLX4

Price to Public:

    100.000%   100.000%   100.000%

Principal Amount:

    $453,000.00   $281,000.00   $738,000.00

Proceeds to Issuer:

    $450,168.75   $278,752.00   $730,620.00

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:

    3.700%   3.850%   4.150%

Interest Payment Frequency:

    Monthly   Monthly   Monthly

First Payment Date:

    4/15/2005   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. 192

    Trade Date: 3/7/2005

(To Prospectus dated July 22, 2002 as supplemented

by Prospectus Supplement dated January 10, 2003)

    Issue Date: 3/10/2005

The date of this Pricing Supplement is March 7, 2005

 

CUSIP or Common Code:

    41013NLY2   41013NLZ9   41013NMB1

Price to Public:

    100.000%   100.000%   100.000%

Principal Amount:

    $125,000.00   $237,000.00   $1,408,000.00

Proceeds to Issuer:

    $123,250.00   $233,682.00   $1,372,800.00

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:

    4.300%   4.500%   5.200%

Interest Payment Frequency:

    Monthly   Monthly   Monthly

First Payment Date:

    4/15/2005   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   3/15/2008
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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