424B2 1 d424b2.htm PRICING SUPPLEMENT NO. 22 Pricing Supplement No. 22

Registration No. 333-124223

Filed Pursuant to Rule 424(b)(2)

John Hancock Life Insurance Company

SignatureNotes

With Maturities of Twelve Months or More from Date of Issue

Fully and Unconditionally Guaranteed By Manulife Financial Corporation

 

Pricing Supplement No. 22    Trade Date: 12/27/2005
(To Prospectus dated July 8, 2005)    Issue Date: 12/30/2005

 

The date of this Pricing Supplement is December 27, 2005

 

CUSIP or Common Code:    41013NZT8
Price to Public:    100.000%
Principal Amount:    $1,859,000.00
Proceeds to Issuer:    $1,843,198.50
Discounts and Commissions:    0.850%
Reallowance:    0.150%
Dealer:    99.250%
Maturity Date:    12/15/2010
Stated Annual Interest Rate:    Floating Rate Note

Interest Rate Determination Date:

    The 7th business day preceding an Interest Reset Date.

Interest Reset Periods:

    Monthly. The first interest period will run from and including the Issue Date to but excluding January 15, 2006.

Interest Reset Dates:

    The 15th day of each month during the term of the notes, beginning January 15, 2006.

Day Count Convention:

    30/360

Interest Rate Basis:

    Consumer Price Index Adjustment Rate

Index Maturity:

    N/A

Spread:

    +1.65%

Initial Interest Rate:

    5.11%

Maximum Interest Rate:

    N/A

Minimum Interest Rate:

    0.00% per annum with respect to each Interest Reset Period
Interest Payment Frequency and Dates:    Monthly, from and including an Interest Reset Date to and excluding the next succeeding Interest Reset Date, except that the first period shall be the period from and including the Issue Date to but excluding January 15, 2006 (or, if such day is not a business day, the following business day).
Interest Payment Date:    The 15th day of each month during the term of the notes, beginning January 15, 2006 (or, if such day is not a business day, the next following business day, in which case interest on that interest payment will not accrue for the period from the scheduled interest payment date to the next following business day on which the interest payment is made).
Additional Amounts:    N/A
Survivor’s Option:    Yes
Callable by Issuer:    No
If Callable by Issuer, dates and terms of redemption (including the redemption price):    N/A
Original Issue Discount1:    N/A
Other Material Terms (if any):    N/A
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. 333-124223

Filed Pursuant to Rule 424(b)(2)

John Hancock Life Insurance Company

SignatureNotes

With Maturities of Twelve Months or More from Date of Issue

Fully and Unconditionally Guaranteed By Manulife Financial Corporation

 

Pricing Supplement No. 22    Trade Date: 12/27/2005
(To Prospectus dated July 8, 2005)    Issue Date: 12/30/2005

 

The date of this Pricing Supplement is December 27, 2005

 

CUSIP or Common Code:    41013NZV3
Price to Public:    100.000%
Principal Amount:    $462,000.00
Proceeds to Issuer:    $455,994.00
Discounts and Commissions:    1.300%
Reallowance:    0.200%
Dealer:    98.800%
Maturity Date:    12/15/2015
Stated Annual Interest Rate:    Floating Rate Note

Interest Rate Determination Date:

    The 7th business day preceding an Interest Reset Date.

Interest Reset Periods:

    Monthly. The first interest period will run from and including the Issue Date to but excluding January 15, 2006.

Interest Reset Dates:

    The 15th day of each month during the term of the notes, beginning January 15, 2006.

Day Count Convention:

    30/360

Interest Rate Basis:

    Consumer Price Index Adjustment Rate

Index Maturity:

    N/A

Spread:

    +1.90%

Initial Interest Rate:

    5.36%

Maximum Interest Rate:

    N/A

Minimum Interest Rate:

    0.00% per annum with respect to each Interest Reset Period
Interest Payment Frequency and Dates:    Monthly, from and including an Interest Reset Date to and excluding the next succeeding Interest Reset Date, except that the first period shall be the period from and including the Issue Date to but excluding January 15, 2006 (or, if such day is not a business day, the following business day).
Interest Payment Date:    The 15th day of each month during the term of the notes, beginning January 15, 2006 (or, if such day is not a business day, the next following business day, in which case interest on that interest payment will not accrue for the period from the scheduled interest payment date to the next following business day on which the interest payment is made).
Additional Amounts:    N/A
Survivor’s Option:    Yes
Callable by Issuer:    No
If Callable by Issuer, dates and terms of redemption (including the redemption price):    N/A
Original Issue Discount2:    N/A
Other Material Terms (if any):    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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Registration No. 333-124223

Filed Pursuant to Rule 424(b)(2)

John Hancock Life Insurance Company

SignatureNotes

With Maturities of Twelve Months or More from Date of Issue

Fully and Unconditionally Guaranteed By Manulife Financial Corporation

 

Pricing Supplement No. 22    Trade Date: 12/27/2005
(To Prospectus dated July 8, 2005)    Issue Date: 12/30/2005

 

The date of this Pricing Supplement is December 27, 2005

 

CUSIP or Common Code:    41013NZQ4   41013NZR2   41013NZS0   41013NZU5   41013NZW1
Price to Public:    100.000%   100.000%   100.000%   100.000%   100.000%
Principal Amount:    $1,274,000.00   $289,000.00   $388,000.00   $5,301,000.00   $1,208,000.00

Proceeds to Issuer:

    $1,269,541.00   $287,482.75   $385,284.00   $5,255,941.50   $1,180,820.00
Discounts and Commissions:    0.350%   0.525%   0.700%   0.850%   2.250%
Reallowance:    0.100%   0.150%   0.150%   0.150%   0.350%
Dealer:    99.700%   99.550%   99.375%   99.250%   97.900%
Maturity Date:    12/15/2007   12/15/2008   12/15/2009   12/15/2010   12/15/2030
Stated Annual Interest Rate:    4.450%   4.500%   4.550%   5.000%   5.500%
Interest Payment Frequency:    Quarterly   Quarterly   Monthly   Semi   Monthly
First Payment Date:    3/15/2006   3/15/2006   1/15/2006   6/15/2006   1/15/2006
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   12/15/2007
Callable one
time only at
100% on call
date above
with 30 days
notice.		   12/15/2010
Callable one
time only at
100% on call
date above
with 30 days
notice.
Original Issue Discount3:    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
3 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.

 

As of September 12, 2005 ABN AMRO Financial Services, Inc. changed its name to LaSalle Financial Services, Inc. Consequently, all references to “ABN AMRO Financial Services, Inc.” in the prospectus are amended to read “LaSalle Financial Services, Inc.”.

 

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