<SEC-DOCUMENT>0001086888-22-000007.txt : 20220201
<SEC-HEADER>0001086888-22-000007.hdr.sgml : 20220201
<ACCEPTANCE-DATETIME>20220201073920
ACCESSION NUMBER:		0001086888-22-000007
CONFORMED SUBMISSION TYPE:	6-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20220201
FILED AS OF DATE:		20220201
DATE AS OF CHANGE:		20220201

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MANULIFE FINANCIAL CORP
		CENTRAL INDEX KEY:			0001086888
		STANDARD INDUSTRIAL CLASSIFICATION:	LIFE INSURANCE [6311]
		IRS NUMBER:				889897526
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		6-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-14942
		FILM NUMBER:		22576892

	BUSINESS ADDRESS:	
		STREET 1:		200 BLOOR ST EAST, NT-10
		CITY:			TORONTO
		STATE:			A6
		ZIP:			M4W1E5
		BUSINESS PHONE:		416-926-3000

	MAIL ADDRESS:	
		STREET 1:		200 BLOOR ST EAST, NT-10
		CITY:			TORONTO
		STATE:			A6
		ZIP:			M4W1E5
</SEC-HEADER>
<DOCUMENT>
<TYPE>6-K
<SEQUENCE>1
<FILENAME>form6-k.htm
<DESCRIPTION>FORM6-K-MFC-NR-1FEB2022
<TEXT>
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    <div style="text-align: center; line-height: 15.95pt; font-family: 'Times New Roman Bold', 'Times New Roman', serif; font-size: 14pt; font-weight: bold;">UNITED STATES</div>
    <div style="text-align: center; line-height: 15.95pt; font-family: 'Times New Roman Bold', 'Times New Roman', serif; font-size: 14pt; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</div>
    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">Washington, D.C. 20549</div>
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    </div>
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      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
    <div style="text-align: center; line-height: 15.95pt; font-family: 'Times New Roman', serif; font-size: 14pt; font-weight: bold;">Form 6-K
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;">
      <div><br>
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    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">REPORT OF <font style="font-family: 'Times New Roman Bold', 'Times New Roman', serif;">FOREIGN</font>
      PRIVATE ISSUER PURSUANT TO RULE 13<font style="font-family: 'Times New Roman Bold', 'Times New Roman', serif;">a</font>-16 OR <font style="font-family: 'Times New Roman Bold', 'Times New Roman', serif;">15d</font>-16
      UNDER THE</div>
    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">SECURITIES EXCHANGE ACT OF 1934</div>
    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;"> <br>
    </div>
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    </div>
    <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">For the month of <u>February, 2022</u></div>
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    <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Commission File Number: 1-14942</div>
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    <div style="text-align: center; line-height: 11.4pt; font-family: 'Times New Roman', serif;"><font style="font-size: 16pt; font-weight: bold;">MANULIFE FINANCIAL CORPORATION</font>
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    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman Bold', 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">200 Bloor Street East</div>
    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman Bold', 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">North Tower 10</div>
    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman Bold', 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">Toronto, Ontario, Canada M4W 1E5</div>
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      <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman Bold', 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">(416) 926&#8209;3000</div>
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    <div style="text-align: center; line-height: 11.4pt; font-family: 'Times New Roman', serif;">(Address of principal executive office)</div>
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    <div style="text-align: justify; line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F.</div>
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    <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(1): <font style="font-family: 'Arial Narrow', sans-serif;">&#9744;</font></div>
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    <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(7): <font style="font-family: 'Arial Narrow', sans-serif;">&#9744;</font></div>
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    <div style="text-indent: 36pt; line-height: 12.55pt; color: #000000; font-family: 'Times New Roman', serif; font-size: 11pt;">The following documents, filed as exhibits to this Form 6-K, are incorporated by reference as part of this
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            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">News release dated February 1, 2022.</div>
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    <div style="text-indent: 36pt; line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed
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            <div style="line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;">By:</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman', serif; font-size: 11pt;"><font style="font-style: italic;">/s/</font>&#160;<font style="font-style: italic;">Kay Song</font></font></div>
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            <div style="text-indent: -36.6pt; margin-left: 36.6pt; line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;">Title:</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman', serif; font-size: 11pt;">Assistant Corporate Secretary</font></div>
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            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Date:&#160; February 1, 2022</div>
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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>exhibit99-1.htm
<DESCRIPTION>EXHIBIT99-1-MRF-NR-1FEB2022
<TEXT>
<html>
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    <!-- Licensed to: Manulife Financial Corporation
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         Copyright 1995 - 2022 Broadridge -->
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<body bgcolor="#ffffff" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; text-align: left; color: #000000;">
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    <div style="line-height: 10.25pt;"><br style="line-height: 10.25pt;">
    </div>
    <div style="line-height: 29.65pt; font-family: 'Manulife JH Sans', sans-serif; font-size: 26pt; font-weight: bold;">News<br>
      Release</div>
    <div style="line-height: 11.95pt; margin-bottom: 2pt;"><font style="font-family: 'Manulife JH Sans', sans-serif; font-size: 10.5pt; font-weight: bold;">C$ unless otherwise stated</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 238.7pt">&#160;</font><font style="font-family: 'Manulife JH Sans', sans-serif; font-size: 10.5pt; font-weight: bold;">&#160; &#160; &#160;&#160; TSX/NYSE/PSE: MFC&#160; &#160; &#160; SEHK: 945</font></div>
    <div style="line-height: 11.95pt; margin-bottom: 6pt; font-family: 'Manulife JH Sans', sans-serif; font-size: 10.5pt; font-weight: bold;">February 1, 2022</div>
    <div style="line-height: 10.25pt; margin-bottom: 4pt;"><br style="line-height: 10.25pt;">
    </div>
    <div style="margin-right: 2.9pt; line-height: 15.75pt; margin-top: 12pt; margin-bottom: 6pt; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;">Manulife closes U.S. Variable Annuity Reinsurance Transaction with Venerable Holdings,
      Inc.</div>
    <div style="margin-right: 12.95pt; line-height: 14.9pt; margin-bottom: 12pt; font-family: Arial, sans-serif;">Manulife announced today that its subsidiary, John Hancock Life Insurance Company (U.S.A.) (&#8220;John Hancock&#8221;), has successfully closed the
      previously announced transaction to reinsure a substantial portion of its legacy U.S. Variable Annuity block, consisting primarily of policies with Guaranteed Minimum Withdrawal Benefits riders, with Corporate Solutions Life Reinsurance Company, a
      subsidiary of Venerable Holdings, Inc.</div>
    <div style="margin-right: 12.95pt; line-height: 14.9pt; margin-bottom: 12pt; font-family: Arial, sans-serif;">&#8220;The successful completion of this U.S. Variable Annuity reinsurance transaction marks an important milestone in our ongoing commitment to
      optimizing our legacy portfolio,&#8221; said Manulife President &amp; Chief Executive Officer Roy Gori. &#8220;This transaction unlocks value for our shareholders and meaningfully reduces our go-forward risk profile, while contributing to our goal of shifting
      the earnings mix of our franchise to focus on our highest potential businesses. We are pleased to have achieved such a strong outcome,&#8221; added Mr. Gori.</div>
    <div style="line-height: 14.9pt; margin-bottom: 12pt; font-family: Arial, sans-serif;">John Hancock will continue to administer the policies, providing for a seamless customer service experience. For more information on the transaction, please see our
      November 15, 2021 announcement.</div>
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            <div style="line-height: 12.55pt; font-family: Arial,sans-serif; font-weight: bold;">Media Inquiries</div>

            <div style="line-height: 12.55pt; font-family: Arial,sans-serif;">Cheryl Holmes</div>

            <div style="line-height: 12.55pt; font-family: Arial,sans-serif;">(416) 557-0945</div>

            <div style="line-height: 12.55pt; color: rgb(0, 0, 0); font-family: Arial,sans-serif;">Cheryl_Holmes@manulife.com</div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-family: Arial,'sans-serif'; font-size: 11pt; font-weight: bold;">Investor Relations</div>
            <font style="font-family: Arial,'sans-serif';"> </font>
            <div style="line-height: 12.55pt; font-family: Arial,'sans-serif';">Hung Ko</div>
            <font style="font-family: Arial,'sans-serif';"> </font>
            <div style="margin-right: 4.5pt; line-height: 12.55pt; font-family: Arial,'sans-serif';">(416) 806-9921</div>
            <font style="font-family: Arial,'sans-serif';"> </font>
            <div style="line-height: 14.75pt; margin-bottom: 8pt;"><font style="font-family: Arial,'sans-serif';">Hung_Ko@manulife.com</font><font style="line-height: 14.75pt;"><font style="font-family: Arial,'sans-serif';"> </font><br>
              </font></div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
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    <div style="line-height: 12.55pt; margin-bottom: 6pt; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;">About Manulife</div>
    <div style="line-height: 14.9pt; margin-bottom: 6pt; font-family: Arial, sans-serif;">Manulife Financial Corporation is a leading international financial services provider that helps people make their decisions easier and lives better. With our global
      headquarters in Toronto, Canada, we provide financial advice and insurance, operating as Manulife across Canada, Asia, and Europe, and primarily as John Hancock in the United States. Through Manulife Investment Management, the global brand for our
      global wealth and asset management segment, we serve individuals, institutions and retirement plan members worldwide. At the end of 2020, we had more than 37,000 employees, over 118,000 agents, and thousands of distribution partners, serving over 30
      million customers. As of September 30, 2021, we had CAD$1.4 trillion (US$1.1 trillion) in assets under management and administration, and in the previous 12 months we made CAD$31.6 billion in payments to our customers.</div>
    <div style="line-height: 14.9pt; margin-bottom: 6pt; font-family: Arial, sans-serif;">Our principal operations are in Asia and Canada, and the United States, where we have served customers for more than 155 years. We trade as 'MFC' on the Toronto, New
      York, and the Philippine</div>
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    <div style="line-height: 14.9pt; margin-bottom: 6pt; font-family: Arial, sans-serif;">stock exchanges and under '945' in Hong Kong. Not all offerings are available in all jurisdictions. For additional information, please visit manulife.com</div>
    <div style="line-height: 12.55pt; margin-bottom: 6pt;"><br style="line-height: 12.55pt;">
    </div>
    <div style="margin-right: 21.6pt; line-height: 15.05pt; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;">CAUTION REGARDING FORWARD-LOOKING STATEMENTS:</div>
    <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: Arial, sans-serif;">From time to time, Manulife makes written and/or oral forward-looking statements, including in this document. In addition, our representatives may make
      forward-looking statements orally to analysts, investors, the media and others. All such statements are made pursuant to the &#8220;safe harbour&#8221; provisions of Canadian provincial securities laws and the U.S. Private Securities Litigation Reform Act of
      1995.</div>
    <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: Arial, sans-serif;">The forward-looking statements in this document include statements concerning the reinsurance transaction between John Hancock and Corporate Solutions Life
      Reinsurance Company, including the benefits of such transaction to Manulife. Although we believe that the expectations reflected in such forward-looking statements are reasonable, such statements involve risks and uncertainties, and undue reliance
      should not be placed on such statements and they should not be interpreted as confirming market or analysts&#8217; expectations in any way.</div>
    <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: Arial, sans-serif;">Certain material factors or assumptions are applied in making forward-looking statements and actual results may differ materially from those expressed or implied in
      such statements.</div>
    <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: Arial, sans-serif;">Important factors that could cause actual results to differ materially from expectations include but are not limited to: general business and economic conditions
      (including but not limited to the performance, volatility and correlation of equity markets, interest rates, credit and swap spreads, currency rates, investment losses and defaults, market liquidity and creditworthiness of guarantors, reinsurers and
      counterparties); the severity, duration and spread of the COVID-19 outbreak, as well as actions that have been or may be taken by governmental authorities to contain COVID-19 or to treat its impact; changes in laws and regulations; changes in
      accounting standards applicable in any of the territories in which we operate; changes in regulatory capital requirements; our ability to execute strategic plans and changes to strategic plans; downgrades in our financial strength or credit ratings;
      our ability to maintain our reputation; impairments of goodwill or intangible assets or the establishment of provisions against future tax assets; the accuracy of estimates relating to morbidity, mortality and policyholder behaviour; the accuracy of
      other estimates used in applying accounting policies, actuarial methods and embedded value methods; our ability to implement effective hedging strategies and unforeseen consequences arising from such strategies; our ability to source appropriate
      assets to back our long-dated liabilities; level of competition and consolidation; our ability to market and distribute products through current and future distribution channels; unforeseen liabilities or asset impairments arising from acquisitions
      and dispositions of businesses; the realization of losses arising from the sale of investments classified as available-for-sale; our liquidity, including the availability of financing to satisfy existing financial liabilities on expected maturity
      dates when required; obligations to pledge additional collateral; the availability of letters of credit to provide capital management flexibility; accuracy of information received from counterparties and the ability of counterparties to meet their
      obligations; the availability, affordability and adequacy of reinsurance; legal and regulatory proceedings, including tax audits, tax litigation or similar proceedings; our ability to adapt products and services to the changing market; our ability to
      attract and retain key executives, employees and agents; the appropriate use and interpretation of complex models or deficiencies in models used; political, legal, operational and other risks associated with our non-North American operations;
      acquisitions and our ability to complete acquisitions including the availability of equity and debt financing for this purpose; the disruption of or changes to key elements of the Company&#8217;s or public infrastructure systems; environmental concerns;
      our ability to protect our intellectual property</div>
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    <div style="line-height: 14.9pt; margin-bottom: 6pt; font-family: Arial, sans-serif;">and exposure to claims of infringement; our inability to withdraw cash from subsidiaries; and the fact that the amount and timing of any future common share
      repurchases will depend on the earnings, cash requirements and financial condition of Manulife, market conditions, capital requirements (including under LICAT capital standards), common share issuance requirements, applicable law and regulations
      (including Canadian and U.S. securities laws and Canadian insurance company regulations), and other factors deemed relevant by Manulife, and may be subject to regulatory approval or conditions.</div>
    <div style="line-height: 14.9pt; margin-bottom: 6pt; font-family: Arial, sans-serif;">Additional information about material risk factors that could cause actual results to differ materially from expectations and about material factors or assumptions
      applied in making forward-looking statements may be found under &#8220;Risk Factors and Risk Management&#8221; and &#8220;Critical Actuarial and Accounting Policies&#8221; in the Management&#8217;s Discussion and Analysis in our most recent annual report, under &#8220;Risk Management
      and Risk Factors Update&#8221; and &#8220;Critical Actuarial and Accounting Policies&#8221; in the Management&#8217;s Discussion and Analysis in our most recent interim report, in the &#8220;Risk Management&#8221; note to the consolidated financial statements in our most recent annual
      and interim reports as well as elsewhere in our filings with Canadian and U.S. securities regulators.</div>
    <div style="line-height: 14.9pt; margin-bottom: 6pt; font-family: Arial, sans-serif;">The forward-looking statements in this document are, unless otherwise indicated, stated as of the date hereof and are presented for the purpose of assisting investors
      and others in understanding our financial position and results of operations, our future operations, as well as our objectives and strategic priorities, and may not be appropriate for other purposes. We do not undertake to update any forward-looking
      statements, except as required by law.</div>
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