Financial Strength

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What you see is exactly what you get. Success.

Manulife Financial is a leading Canadian-based financial services group operating in 15 countries and territories worldwide. Through its extensive network of employees, agents and distribution partners, Manulife Financial offers clients a diverse range of financial protection products and wealth management services. Funds under management by Manulife Financial were US$111.7 billion (Cdn$150.8 billion) as at September 30, 2003.

Manulife Financial Corporation trades as ´MFC´ on the TSX, NYSE and PSE, and under ´0945´ on the SEHK. Manulife Financial can be found on the Internet at www.manulife.com.

Manulife Financial´s Current Ratings:*


A.M. Best:	A++ (1st Category of 16) Superior ability to meet ongoing obligations.
Fitch Ratings	AA+ (2nd Category of 22) Very strong capacity to meet policyholder and contract obligations.
Standard & Poor's:	AA+ (2nd Category of 21) Very strong financial security characteristics.
Moody´s:	Aa2 (3rd Category of 21) Excellent in financial strength.

Consider our promise: The opportunity for financial fulfillment. Take the time to evaluate our current financial strength and our high ratings from the industry´s independent agencies, and you´ll see that our enduring promise keeps us on our toes. And that keeps us on top. Click to view our Financial Strength Brochure.

*Insurance ratings, which are current as of April 1, 2003 and subject to change, apply to The Manufacturers Life Insurance Company and its subsidiaries as a measure of the company´s ability to honor the death benefit, fixed account and life annuitization guarantees, but not specifically to its products, the performance of these products, the value of any investment in these products upon withdrawal or to individual securities held in any portfolio. Insurance ratings do not apply to the safety and performance of separate accounts. These ratings are for The Manufacturers Life Insurance Company, The Manufacturers Life Insurance Company (U.S.A.) and The Manufacturers Life Insurance Company of New York, with the exception of Moody's, which does not rate The Manufacturers Life Insurance Company of New York.

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