Manulife Competitive Strengths

Financial Strength
As a key operating subsidiary of Manulife Financial Corporation, Manulife Japan possesses solid financial strength. This strength reflects Manulife Financial's diversified earnings, a well-balanced investment portfolio, a conservative approach to risk management, and a strong capital position.

Diversified Distribution Platform
Manulife Japan offers its innovative financial protection and wealth management products through multiple distribution channels. Manulife Japan has its own sales force of more than 3,000 Plan Right Advisors, with an extensive network of eight regional offices and approximately 120 local sales offices across Japan. Plan Right Advisors tailor appropriate financial protection and wealth management products to meet their clients' needs, based on "Plan Right," Manulife Japan's unique needs-based sales methodology.

Manulife Japan also offers its innovative products through financial institutions. Manulife Japan commenced over-the-counter sales of individual annuity products in 2002 and over-the-counter sales of other individual insurance products in 2009, in step with government deregulation of the insurance industry. Manulife Japan currently has sales alliances with over 40 financial institutions, including many of Japan's leading banks and securities companies.

Manulife Japan's Managing General Agents (MGA) Business Management Area, established in 2007, offers the Company's innovative products through independent agents. This channel focuses on the high net worth market segment, including business entrepreneurs and business owners.

Manulife Investments Japan Limited, a wholly owned subsidiary of Manulife Japan, specializes in the investment trust business in Japan. Established in 2007 as a second pillar of Manulife Japan's wealth management business, Manulife Investments Japan Limited has offered investment trust funds since 2008.

Technological Advancements
Manulife Japan's sophisticated administrative systems for its financial protection and wealth management products ensure efficient, effective product development and service delivery to its clients. Manulife Japan uses "ManuTouch," an intranet sales support system that provides its Plan Right Advisors with web-based tools, including policy illustration, real-time product information, and e-mail service. As part of Manulife Japan's technology enhancements, the Company's website includes customer transaction capabilities, allowing existing policyholders to perform a variety of transactions online. Manulife Japan also has a state-of-the-art customer call center, which provides prompt, superior service to Manulife clients nationwide.