Manulife Financial and John Hancock Complete Merger Creating North America's Second Largest Life Insurance Company

• John Hancock and Manulife Financial Close Deal to Merge - A message from Robert A. Cook, Executive Vice President, John Hancock Life Insurance
• Corporate Press Release - The Manulife Financial and John Hancock merger announcement
• Business Procedures
  • It's Business As Usual -- An overview of the two companies' processes and contact information
  • Business As Usual Q&A - Providing the information you need to make doing business with us easy.
  • Internal Replacement Guidelines for Manulife Financial (USA) and John Hancock products
  • State of Issue Guidelines for Manulife Financial and John Hancock - Providing a quick reference in establishing the state law applicable to the transaction, and to identify which state-specific application should be used.
• Corporate Fact Sheet -- Highlighting the combined strengths of Manulife  Financial and John Hancock
• Manulife Financial and John Hancock Merger Brochure -- Featuring just a few of the opportunities that will be available as we transition from the Manulife Financial brand to the John Hancock brand
• Backed by Financial Strength Flyer -- Highlighting Manulife Financial's and John Hancock Financial's strong financial ratings.

John Hancock and Manulife Financial Close Deal to Merge --   A message from Robert A. Cook, Executive Vice President, John Hancock Life Insurance

Manulife Financial and John Hancock Close Deal To Merge

We are extremely pleased to announce the merger of Manulife Financial Corporation, the parent company of The Manufacturers Life Insurance Company (U.S.A.), and John Hancock Financial Services, Inc., the parent company of, John Hancock Life Insurance Company, after receiving all necessary shareholder and regulatory approvals.

The merger combines two exceptionally strong companies into a single, integrated global market leader whose scale and capital base is expected to drive greater short- and long-term growth and shareholder value. We are now the second largest life insurance company in North America as measured by market capitalization (as of April 27, 2004). It is our vision to provide the very best financial protection and investment management products and services tailored to customers in every market where we do business.

In the U.S., we will be known as John Hancock. The John Hancock brand, one of the best-known brands in the U.S., will be our primary brand for products sold here. Where appropriate, certain Manulife products will continue to be marketed in the U.S. under their existing brand name.

John Hancock and Manulife complement each other in ways that build on the respective strengths of each company, as well as unlock new opportunities for earnings growth. Together, we have strong and leading market positions in all core business lines, a high-quality brand, a more diverse and competitive product line, and access to a highly diversified and comprehensive distribution network. We expect our combined financial ratings to be among the very highest in the industry as judged by the major rating agencies.

Commitment to Life Insurance

The new company is committed to maintaining a market leadership position. Many of the people and processes you have come to rely upon will remain the same. It is our goal to have no disruption of services to you or your customers. You will have access to dedicated employees experienced in developing competitive products, delivering excellent underwriting and national and local marketing support as well as providing the service required to earn your business. The completion of the merger will have no impact on your clients’ benefits, premiums, values or guarantees of current policies or contracts.

Starting today both the John Hancock and the Manulife Financial products, issued by the companies listed above, will be available to all distribution channels.

Should you or your clients need more information on the merger, please visit www.manulife.com, www.manulife.com/usinsurance, www.jhancock.com.

We value our relationship with you and look forward to being your life insurance carrier of choice.

Corporate Press Release 

Click here to access to the Manulife Financial and John Hancock merger press release.

Business Procedures

Manulife's Temporary Insurance Agreement Adopted For Use With John Hancock's Product Lines -- We are pleased to announce the alignment of yet another one of our New Business and Underwriting processes! Effective August 30th, Manulife's Temporary Insurance Agreement (TIA) will be adopted for use with John Hancock's product lines. Click here to access a brochure that explains the TIA and how it will work with John Hancock products.

It's Business As Usual -- an overview of the two companies' processes and contact information -- The procedures for doing business with Manulife Financial and John Hancock will remain the same at this time. Click here to access a document that provides an overview of both companies' current procedures as well as a contact list.

Other Important Information

Corporate Fact Sheet highlighting the combined strengths of Manulife Financial and John Hancock -- The merger of Manulife Financial and John Hancock turns two exceptionally strong and complementary companies into a leading competitor whose products, distribution, scale across a diversified set of businesses, high-quality brands and strong capital base will have the potential for even greater growth and shareholder value. Click here to access a document highlighting the combined company's global, competitive, distribution and financial strengths.

Manulife Financial and John Hancock Merger Brochure -- The merger between Manulife Financial Corporation and John Hancock Financial Services Inc. will bring many new opportunities. The following brochure highlights just a few of the opportunities that will be available as we transition from the Manulife Financial brand to the John Hancock brand. Click here to access this brochure.