Manulife provides protection and wealth management products in select markets throughout the Asia region. Protection products include life insurance, group life and health, and hospital coverage. Wealth management products include mutual funds, pensions, variable annuities and segregated funds.

Customer Focus

Manulife Financial has been able to differentiate itself by providing superior value and advice to customers. It has become a market leader by understanding and anticipating the needs of its customers and providing timely, responsive and appropriate solutions. Its broad range of products is designed to meet a variety of customer needs.

Manulife's professional and highly knowledgeable sales force has been trained to assist customers to design appropriate solutions based on the customer's particular needs and financial situation. It offers a range of investment options to suit client risk tolerance; guaranteed products; participating products; equity-based investment products and mutual funds.

Distribution Excellence

Manulife Financial has developed unique experience in distributing products through many different channels around the world, including the development of tied agent systems in Asia that are industry leaders in productivity and professionalism.

Manulife Financial distributes its products through approximately 20,000 professionally trained full-time agents in Asia who work exclusively for the Company. Given its middle and upper income target market, its agents and staff provide a competitive advantage in this region where competitors' products are generally sold through part-time agents. This advantage manifests itself through greater per agent productivity, better business persistency, higher agent retention, more satisfied customers and ultimately, higher returns to stakeholders.

The Company has also developed programs to recruit, train, develop and motivate its agent force in a variety of international markets. In Hong Kong, Manulife Financial's agent compensation program is among the most innovative in the market. All such programs are designed to reward strong performers and provide tangible incentives for continuing improvement and productivity.

All of our dealings are characterized by the highest levels of honesty and fairness.

Investment Expertise

Manulife Asset Management™ is the institutional asset management arm of Manulife Financial. Manulife Asset Management™ and its affiliates provide comprehensive asset management solutions for institutional investors and investment funds in key markets around the world. This investment expertise extends across a full range of asset classes including equity, fixed income and alternative investments such as real estate, timber, farmland, as well as asset allocation strategies

Manulife Asset Management has investment offices in 17 countries around the world, including 10 countries in Asia; China, Japan, Hong Kong, Singapore, Taiwan, Indonesia, Thailand, Vietnam, Malaysia and the Philippines. Our clients benefit from the in-depth local market expertise of empowered, inter-connected investment professionals across Asia, North America and Europe, underpinned by world-class investment and risk management processes and the backing of a global leader in financial services, Manulife Financial Corporation.

Additional information about Manulife Asset Management can be found at ManulifeAM.com.