Pricing Supplement

-----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, LT1P2oqBk0+2WhgF9wl5WmZRPWvgNNf9CTmlC9q5ooVwh1BIMG/0Zxkaf9xevC9H hxQS4ijxwFBM+lEmUYND3w== 0001193125-05-051046.txt : 20050315 0001193125-05-051046.hdr.sgml : 20050315 20050315161028 ACCESSION NUMBER: 0001193125-05-051046 CONFORMED SUBMISSION TYPE: 424B2 PUBLIC DOCUMENT COUNT: 1 FILED AS OF DATE: 20050315 DATE AS OF CHANGE: 20050315 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: 05681857 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 PRICING SUPPLEMENT Pricing Supplement

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. 195

(To Prospectus dated July 22, 2002 as supplemented

by Prospectus Supplement dated January 10, 2003)

The date of this Pricing Supplement is March 14, 2005

Trade Date: 3/14/2005

Issue Date: 3/17/2005


CUSIP or Common Code:	41013NMC9	41013NMD7	41013NMF2
Price to Public:	100.000%	100.000%	100.000%
Principal Amount:	$131,000.00	$275,000.00	$675,000.00
Proceeds to Issuer:	$129,952.00	$272,250.00	$668,250.00
Discounts and Commissions:	0.800%	1.000%	1.000%
Reallowance:	0.150%	0.150%	0.150%
Dealer:	99.375%	99.250%	99.250%
Maturity Date:	3/15/2009	3/15/2010	3/15/2010
Stated Annual Interest Rate:	3.850%	4.000%	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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