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. 24
   
Trade Date: 1/13/2003
(To Prospectus dated July 22, 2002)
   
Issue Date: 1/16/2003
 
The date of this Pricing Supplement is January 13, 2003
 
 
CUSIP or Common Code:
  
41013MFB1
  
41013MFC9
  
41013MFD7
  
41013MFE5
  
41013MFF2
Price to Public:
  
100.000%
  
100.000%
  
100.000%
  
100.000%
  
100.000%
Proceeds to Issuer:
  
$1,675,462.50
  
$1,926,464.00
  
$1,113,750.00
  
$1,218,696.00
  
$1,219,430.00
Discounts and Commissions:
  
0.625%
  
0.800%
  
1.000%
  
1.400%
  
1.500%
Reallowance:
  
0.150%
  
0.150%
  
0.150%
  
0.200%
  
0.200%
Dealer:
  
99.500%
  
99.350%
  
99.200%
  
98.800%
  
98.800%
Maturity Date:
  
1/15/2006
  
1/15/2007
  
1/15/2008
  
1/15/2011
  
1/15/2013
Stated Annual Interest Rate:
  
2.700%
  
3.200%
  
3.650%
  
4.400%
  
4.900%
Interest Payment Frequency:
  
Monthly
  
Monthly
  
Monthly
  
Monthly
  
Monthly
First Payment Date:
  
2/15/2003
  
2/15/2003
  
2/15/2003
  
2/15/2003
  
2/15/2003
Additional Amounts:
  
N/A
  
N/A
  
N/A
  
N/A
  
N/A
Survivor’s Option:
  
Yes
  
Yes
  
Yes
  
Yes
  
Yes
Callable by Issuer:
                    
If Callable by Issuer, dates and
terms of redemption (including
the redemption price)
  
N/A
  
N/A
  
N/A
  
N/A
  
N/A
Original Issue Discount1:
  
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
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.
 
Page 1 of 2

 
John Hancock Life Insurance Company
 
SignatureNotes
 
With Maturities of Twelve Months or More from Date of Issue
 
 
Pricing Supplement No. 24
   
Trade Date: 1/13/2003
(To Prospectus dated July 22, 2002)
   
Issue Date: 1/16/2003
 
The date of this Pricing Supplement is January 13, 2003
 
 
CUSIP or Common Code:
  
41013MFG0
  
41013MFH8
  
41013MFJ4
  
41013MFK1
Price to Public:
  
100.000%
  
100.000%
  
100.000%
  
100.000%
Proceeds to Issuer:
  
$1,194,720.00
  
$2,520,560.00
  
$460,200.00
  
$11,328,652.50
Discounts and Commissions:
  
1.750%
  
2.000%
  
2.500%
  
2.750%
Reallowance:
  
0.275%
  
0.350%
  
0.350%
  
0.350%
Dealer:
  
98.600%
  
98.350%
  
97.850%
  
97.600%
Maturity Date:
  
1/15/2015
  
1/15/2018
  
1/15/2023
  
1/15/2028
Stated Annual Interest Rate:
  
5.000%
  
5.450%
  
5.550%
  
5.800%
Interest Payment Frequency:
  
Monthly
  
Monthly
  
Quarterly
  
Monthly
First Payment Date:
  
2/15/2003
  
2/15/2003
  
4/15/2003
  
2/15/2003
Additional Amounts:
  
N/A
  
N/A
  
N/A
  
N/A
Survivor’s Option:
  
Yes
  
Yes
  
Yes
  
Yes
Callable by Issuer:
      
Yes
      
Yes
If Callable by Issuer, dates and
terms of redemption (including
the redemption price)
  
N/A
  
1/15/2006
Callable one time only at 100% on call date above with 30 days notice.
  
N/A
  
1/15/2008
Callable one time only at 100% on call date above with 30 days notice.
Original Issue Discount2:
  
N/A
  
N/A
  
N/A
  
N/A
Other Material Terms (if any):
  
N/A
  
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.
 
Page 2 of 2