<SEC-DOCUMENT>0001193125-24-262572.txt : 20241120
<SEC-HEADER>0001193125-24-262572.hdr.sgml : 20241120
<ACCEPTANCE-DATETIME>20241120164127
ACCESSION NUMBER:		0001193125-24-262572
CONFORMED SUBMISSION TYPE:	6-K
PUBLIC DOCUMENT COUNT:		7
CONFORMED PERIOD OF REPORT:	20241120
FILED AS OF DATE:		20241120
DATE AS OF CHANGE:		20241120

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MANULIFE FINANCIAL CORP
		CENTRAL INDEX KEY:			0001086888
		STANDARD INDUSTRIAL CLASSIFICATION:	LIFE INSURANCE [6311]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				889897526
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		6-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-14942
		FILM NUMBER:		241480952

	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>d846990d6k.htm
<DESCRIPTION>6-K
<TEXT>
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<TITLE>6-K</TITLE>
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<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:4pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>UNITED STATES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>SECURITIES AND EXCHANGE COMMISSION </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>Washington, D.C. 20549 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>Form <FONT
STYLE="white-space:nowrap">6-K</FONT> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>REPORT OF
FOREIGN PRIVATE ISSUER </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>PURSUANT TO RULE 13a-16 OR 15d-16 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>UNDER THE SECURITIES EXCHANGE ACT OF 1934 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>For the month of November 2024 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Commission File Number: <FONT STYLE="white-space:nowrap">1-14942</FONT> </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:24pt; font-family:Times New Roman" ALIGN="center"><B>MANULIFE FINANCIAL CORPORATION </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(Translation of registrant&#146;s name into English) </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>200 Bloor
Street East </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>North Tower 10 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Toronto, Ontario, Canada M4W 1E5 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(416) <FONT STYLE="white-space:nowrap">926-3000</FONT> </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(Address of principal executive office) </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Indicate by check mark whether
the registrant files or will file annual reports under cover of Form <FONT STYLE="white-space:nowrap">20-F</FONT> or Form <FONT STYLE="white-space:nowrap">40-F.</FONT> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Form <FONT STYLE="white-space:nowrap">20-F&#8194;&#9744;&#8195;&#8195;&#8195;Form</FONT>
<FONT STYLE="white-space:nowrap">40-F&#8194;&#9745;</FONT> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The registrant&#146;s news release dated November&nbsp;20, 2024 filed with this Form <FONT
STYLE="white-space:nowrap">6-K</FONT> as Exhibit 99.1, is incorporated by reference in the registration statements filed with the Securities and Exchange Commission by the registrant on Form <FONT STYLE="white-space:nowrap">S-8</FONT> (Registration
Nos. <FONT STYLE="white-space:nowrap">333-12610,</FONT> <FONT STYLE="white-space:nowrap">333-13072,</FONT> <FONT STYLE="white-space:nowrap">333-114951,</FONT> <FONT STYLE="white-space:nowrap">333-129430,</FONT> 333-157326, <FONT
STYLE="white-space:nowrap">333-211366,</FONT> <FONT STYLE="white-space:nowrap">333-272672,</FONT> 333-277446 ), on Form F-3 (Registration <FONT STYLE="white-space:nowrap">No.&nbsp;333-159176)</FONT> and on Form
<FONT STYLE="white-space:nowrap">F-10</FONT> (Registration <FONT STYLE="white-space:nowrap">No.&nbsp;333-274698).</FONT> </P> <P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>DOCUMENTS FILED AS PART OF THIS FORM <FONT STYLE="white-space:nowrap">6-K</FONT> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following documents, filed as exhibits to this Form <FONT STYLE="white-space:nowrap">6-K,</FONT> are incorporated by reference as part of
this Form <FONT STYLE="white-space:nowrap">6-K:</FONT> </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="93%"></TD></TR>
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<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; " ALIGN="center">Exhibit</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; ">Description of Exhibit</P></TD></TR>


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<TD VALIGN="top" NOWRAP>99.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">News release dated November&nbsp;20, 2024</TD></TR>
</TABLE> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SIGNATURES </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by
the undersigned, thereunto duly authorized. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
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<TD VALIGN="top" COLSPAN="3">MANULIFE FINANCIAL CORPORATION</TD></TR>
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<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
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<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ <I>Eddy Mezzetta</I></P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Eddy Mezzetta</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Vice President and Chief Counsel, Corporate Law</TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Date: November&nbsp;20, 2024 </P>
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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>d846990dex991.htm
<DESCRIPTION>EX-99.1
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<TITLE>EX-99.1</TITLE>
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<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL" ALIGN="right"><B>Exhibit 99.1 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt;margin-bottom:0pt">


<IMG SRC="g846990snap3.jpg" ALT="LOGO" STYLE="width:8.38333in;height:1.50556in;">
 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL" ALIGN="center"><I>Transacting on a younger LTC block further validates LTC reserves and assumptions </I></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL" ALIGN="center"><I>Another milestone transaction that optimizes our portfolio </I></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL" ALIGN="center"><I>$0.8&nbsp;billion capital release will be returned to shareholders via share buybacks </I></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL" ALIGN="center"><I>Conference call to be held Thursday, November&nbsp;21, 2024, at 8:00 a.m. ET; details below </I></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><I></I><B><I>TSX/NYSE/PSE: MFC SEHK:
945</I></B><I>&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;</I><B><I>&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;</I></B><I></I><B><I>&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;</I></B><I>
</I><B><I>&#8195;</I></B><I></I><B><I>&#8195;</I></B><I>C$ unless otherwise stated </I></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><B>TORONTO, ON </B>&#150; November&nbsp;20, 2024 &#150; Manulife Financial
Corporation (&#147;Manulife&#148; or the &#147;Company&#148;) announced today that it has entered into a $5.4&nbsp;billion<SUP STYLE="font-size:75%; vertical-align:top">1</SUP> reinsurance agreement with Reinsurance Group of America
(&#147;RGA&#148;), including $2.4&nbsp;billion of long-term care (&#147;LTC&#148;) reserves. </P> <P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><B>Key highlights of the transaction: </B></P>
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<TD WIDTH="1%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">Reinsuring $2.4&nbsp;billion of LTC reserves to RGA on a full risk transfer basis </P></TD></TR></TABLE>
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<TR style = "page-break-inside:avoid">
<TD WIDTH="1%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">Inclusive of our previous LTC reinsurance transaction<SUP STYLE="font-size:75%; vertical-align:top">2</SUP> (&#147;previous
transaction&#148;), upon closing we will have cumulatively reduced LTC reserves by 18% and LTC morbidity sensitivity by 17%<SUP STYLE="font-size:75%; vertical-align:top">3</SUP> </P></TD></TR></TABLE>
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<TD WIDTH="1%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">Transacted LTC block is younger, with a greater proportion of active life reserves than our previous transaction
</P></TD></TR></TABLE>
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<TD WIDTH="1%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">Modest negative 4% LTC cede<SUP STYLE="font-size:75%; vertical-align:top">4</SUP> further validates our reserves and
assumptions </P></TD></TR></TABLE>
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<TD WIDTH="1%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">Transaction also includes a legacy block of U.S. structured settlements with $3.0&nbsp;billion of reserves
</P></TD></TR></TABLE>
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<TD WIDTH="1%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">Accretive to core ROE<SUP STYLE="font-size:75%; vertical-align:top">5</SUP>, and an attractive core earnings<SUP
STYLE="font-size:75%; vertical-align:top">5</SUP> multiple of 11.4 times<SUP STYLE="font-size:75%; vertical-align:top">6</SUP>; neutral impact to core EPS<SUP STYLE="font-size:75%; vertical-align:top">5</SUP> </P></TD></TR></TABLE>
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<TR style = "page-break-inside:avoid">
<TD WIDTH="1%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">Close to 1.0x book value<SUP STYLE="font-size:75%; vertical-align:top">7</SUP>; expect to release $0.8&nbsp;billion of
capital, which we intend to fully return to shareholders </P></TD></TR></TABLE>
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<TR style = "page-break-inside:avoid">
<TD WIDTH="1%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">Expect to dispose $1.5&nbsp;billion of alternative long-duration assets (&#147;ALDA&#148;) </P></TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8pt; padding-right:2pt" BGCOLOR="#f2f2f2"> <P STYLE="font-size:6pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">&#147;We are further unlocking significant shareholder value with a second milestone LTC reinsurance transaction within 12 months, which accelerates our transformation
to reshape our portfolio towards higher return and lower risk. This transaction further demonstrates our ability to execute on complex transactions and collaborate with experienced counterparties to deliver
<FONT STYLE="white-space:nowrap">win-win</FONT> outcomes, including on both mature and younger LTC blocks. The deal is priced at 11.4 times core earnings multiple and is expected to be accretive to core ROE after we return the released capital to
shareholders through share buybacks.&#148;</P> <P STYLE="font-size:6pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">&#151;<B><I>&#8199;Roy Gori, Manulife
President</I></B><B><I></I></B><B><I>&nbsp;&amp; Chief Executive Officer </I></B></P> <P STYLE="font-size:6pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">&#147;Together with our previously completed LTC transaction, we will have cumulatively reduced our LTC reserves by 18% within a year, upon closing, meaningfully
improving the return profile of our inforce business. The pricing of this transaction further validates our prudent LTC reserves and assumptions. There continues to be attractive opportunities to generate shareholder value through organic LTC
optimization, and we remain open to further inorganic opportunities.&#148;</P> <P STYLE="font-size:6pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">&#151;<B><I>&#8199;Marc Costantini, Manulife Global Head of Strategy and Inforce Management </I></B></P>
<P STYLE="font-size:6pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><B><U>Transaction Summary </U></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">We
will reinsure a combined $5.4&nbsp;billion of reserves across two blocks of legacy business to RGA. The blocks include portions of U.S. LTC and U.S. structured settlements. The LTC block represents $2.4&nbsp;billion, or 6% of Manulife&#146;s total
LTC reserves as of September&nbsp;30, 2024. The transaction is priced at close to 1.0 times book value, reflecting a modest negative ceding commission on LTC, and a nominal ceding commission on the structured settlements block. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">RGA is a highly experienced global reinsurer with multiple existing reinsurance arrangements with Manulife. The transaction includes significant structural protections,
including over-collateralized trusts to hold investment assets. The reinsurance represents a 75% quota share on both ceded blocks. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">In connection with the
transaction, we expect to dispose $1.5&nbsp;billion of ALDA. Manulife will continue to administer all reinsured policies for a seamless customer service experience. The transaction is expected to close in early 2025, subject to customary closing
conditions. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><B><U>Transacting on a younger LTC block further validates LTC reserves and assumptions </U></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">The transaction will reduce LTC reserves by $2.4&nbsp;billion, or 6%, and is expected to reduce the underlying LTC reserve sensitivity to changes in morbidity
assumptions by 7%. The transaction represents a full risk transfer on a younger LTC block, which has similar characteristics to our retained LTC blocks, with a greater proportion of active life reserves than the ceded block in our previous LTC
reinsurance transaction. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">Including our previous LTC reinsurance transaction, which closed in February 2024, we will have cumulatively reduced LTC reserves and
morbidity sensitivity by 18% and 17%, respectively, upon closing. This demonstrates our proven ability to transact on both mature and younger LTC blocks. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">The modest
negative ceding commission on the LTC block of 4% of IFRS reserves further validates our LTC reserves and assumptions. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><B><U>Unlocks Value for Shareholders
</U></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">The transaction is expected to release $0.8&nbsp;billion of capital, which we intend to fully return to shareholders through common share buybacks
post-closing. We are committed to repurchasing for cancellation the full 90&nbsp;million common shares allowed under our current NCIB program, which expires in February 2025. Further buybacks beyond the 90&nbsp;million shares common shares allowed
under our current NCIB program will require a new NCIB program, which will be subject to the approval of the Office of the Superintendent of Financial Institutions (&#147;OSFI&#148;) and the Toronto Stock Exchange (&#147;TSX&#148;). </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">The transaction is priced at close to 1.0 times book value and is expected to result in an annual reduction to core earnings and net income attributed to shareholders of
$70&nbsp;million and $50&nbsp;million, respectively. With a capital release of $0.8&nbsp;billion, the transaction represents a deal multiple of 11.4 times core earnings. The transaction is expected to be accretive to core ROE, and have a neutral
impact on core EPS, after the impact of expected share buybacks. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><B>Conference Call </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">A live <FONT STYLE="font-family:ARIAL; font-size:10pt" COLOR="#0563c1"><U>webcast</U></FONT><FONT STYLE="font-family:ARIAL"> and conference call are scheduled for
Thursday, November&nbsp;21, 2024, at 8:00 a.m. (ET), where Roy Gori, President and CEO, Marc Costantini, Global Head of Strategy and Inforce Management, and other members of Manulife&#146;s executive leadership team will discuss the transaction,
followed by a question and answer period with analysts. </FONT></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">To access the conference call, dial
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">1-800-806-5484</FONT></FONT></FONT> or
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">1-416-340-2217</FONT></FONT></FONT> (Passcode: 1915608#). Please call in 15 minutes before the scheduled start time. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">Slides related to this announcement are available on the Manulife <FONT STYLE="font-family:ARIAL; font-size:10pt" COLOR="#0563c1"><U>website</U></FONT><FONT
STYLE="font-family:ARIAL">. </FONT></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD VALIGN="top"><B>Media Inquiries</B></TD>
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<TD VALIGN="bottom" NOWRAP><B>Investor Relations</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
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<TD VALIGN="top">Anne Hammer</TD>
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<TD VALIGN="bottom" NOWRAP>Hung Ko</TD>
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<TD VALIGN="top">(201) <FONT STYLE="white-space:nowrap">925-1213</FONT></TD>
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<TD VALIGN="top"><FONT COLOR="#0563c1"><U>ahammer@manulife.com</U></FONT></TD>
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<TD VALIGN="bottom" NOWRAP><FONT COLOR="#0563c1"><U>Hung_Ko@manulife.com</U></FONT></TD>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><B><U>About Manulife </U></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">Manulife
Financial Corporation is a leading international financial services provider, helping 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 Wealth&nbsp;&amp; Asset Management, we offer global investment, financial advice, and retirement plan services to individuals,
institutions, and retirement plan members worldwide. At the end of 2023, we had more than 38,000 employees, over 98,000 agents, and thousands of distribution partners, serving over 35&nbsp;million customers. We trade as &#145;MFC&#146; on the
Toronto, New York, and the Philippine stock exchanges, and under &#145;945&#146; in Hong Kong. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">Not all offerings are available in all jurisdictions. For additional
information, please visit <FONT STYLE="font-family:ARIAL; font-size:10pt" COLOR="#0563c1"><U>manulife.com</U></FONT><FONT STYLE="font-family:ARIAL">. </FONT></P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><B><U>About RGA </U></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><FONT
STYLE="font-family:ARIAL; font-size:10pt" COLOR="#0563c1"><U>Reinsurance Group of America, Incorporated</U></FONT><FONT STYLE="font-family:ARIAL"> (NYSE: RGA) is a global industry leader specializing in life and health reinsurance and financial
solutions that help clients effectively manage risk and optimize capital. Founded in 1973, RGA is today one of the world&#146;s largest and most respected reinsurers and remains guided by a powerful purpose: to make financial protection accessible
to all. As a global capabilities and solutions leader, RGA empowers partners through bold innovation, relentless execution, and dedicated client focus &#151; all directed toward creating sustainable long-term value. RGA has approximately US$4.0
trillion of life reinsurance in force and assets of US$120.3 billion as of September 30, 2024. To learn more about RGA and its businesses, please visit </FONT><FONT STYLE="font-family:ARIAL; font-size:10pt" COLOR="#0563c1"><U>rgare.com</U></FONT><FONT
STYLE="font-family:ARIAL"> or follow RGA on </FONT><FONT STYLE="font-family:ARIAL; font-size:10pt" COLOR="#0563c1"><U>LinkedIn</U></FONT><FONT STYLE="font-family:ARIAL"> and
</FONT><FONT STYLE="font-family:ARIAL; font-size:10pt" COLOR="#0563c1"><U>Facebook</U></FONT><FONT STYLE="font-family:ARIAL">. Investors can learn more at
</FONT><FONT STYLE="font-family:ARIAL; font-size:10pt" COLOR="#0563c1"><U>investor.rgare.com</U></FONT><FONT STYLE="font-family:ARIAL">. </FONT></P> <P STYLE="font-size:30pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:21%">&nbsp;</P> <P STYLE="margin-top:4pt; margin-bottom:0pt; font-size:7pt; font-family:ARIAL">Note: All figures and estimates are based on September
30, 2024, position, unless otherwise noted, and are expressed in Canadian dollar, based on exchange rate of US$1:00 to C$1.351 </P> <P STYLE="font-size:1pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="9" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:75%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:7pt; font-family:ARIAL; " ALIGN="left">IFRS 17 current estimate of present value of future cash flows + risk adjustment + contractual service margin.
</P></TD></TR></TABLE>
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<TD WIDTH="9" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:75%; vertical-align:top">2</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:7pt; font-family:ARIAL; " ALIGN="left">Refers to the $13 billion reinsurance transaction, including $6 billion of LTC, with Global Atlantic that was announced in
December 2023 and closed in February 2024. </P></TD></TR></TABLE>
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<TD WIDTH="9" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:75%; vertical-align:top">3</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:7pt; font-family:ARIAL; " ALIGN="left">Impact of a change in reserves would be reported through the contractual service margin, net income attributed to
shareholders, and other comprehensive income attributed to shareholders. Morbidity sensitivity is based on 2Q24, grossed up for 3Q24 reserves. Transaction is expected to close in early 2025 and is subject to customary closing conditions.
</P></TD></TR></TABLE>
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<TD WIDTH="9" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:75%; vertical-align:top">4</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:7pt; font-family:ARIAL; " ALIGN="left">On IFRS basis. </P></TD></TR></TABLE>
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<TD WIDTH="9" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:75%; vertical-align:top">5</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:7pt; font-family:ARIAL; " ALIGN="left">Core return on shareholders&#146; equity (&#147;Core ROE&#148;) and diluted core earnings per common share (&#147;Core
EPS&#148;) are non-GAAP ratios. Core earnings is a non-GAAP financial measure. See &#147;Non-GAAP and other financial measures&#148; below and in our 3Q24 Management Discussion and Analysis (&#147;3Q24 MD&amp;A&#148;). </P></TD></TR></TABLE>
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<TR style = "page-break-inside:avoid">
<TD WIDTH="9" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:75%; vertical-align:top">6</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:7pt; font-family:ARIAL; " ALIGN="left">On IFRS basis. Ratio of the capital release to annual core earnings impact. </P></TD></TR></TABLE>
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<TD WIDTH="9" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:75%; vertical-align:top">7</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:7pt; font-family:ARIAL; " ALIGN="left">On IFRS basis. Ratio of the market value of assets transferred to the sum of IFRS 17 current estimate of present value of
future cashflows + risk adjustment + contractual service margin. </P></TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:120pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><B><FONT STYLE="white-space:nowrap">Non-GAAP</FONT> and other financial measures </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">Manulife prepares its Consolidated Financial Statements in accordance with International Financial Reporting Standards (&#147;IFRS&#148;) as issued by the International
Accounting Standards Board. We use a number of <FONT STYLE="white-space:nowrap">non-GAAP</FONT> and other financial measures to evaluate overall performance and to assess each of our businesses. This section includes information required by National
Instrument <FONT STYLE="white-space:nowrap">52-112</FONT> &#150; <FONT STYLE="white-space:nowrap">Non-GAAP</FONT> and Other Financial Measures Disclosure in respect of &#147;specified financial measures&#148; (as defined therein). Core earnings is a
<FONT STYLE="white-space:nowrap">Non-GAAP</FONT> financial measure and diluted core earnings per common share and core ROE are <FONT STYLE="white-space:nowrap">Non-GAAP</FONT> ratios. For more information on the
<FONT STYLE="white-space:nowrap">non-GAAP</FONT> financial measures and <FONT STYLE="white-space:nowrap">non-GAAP</FONT> ratios in this document please see section E3 <FONT STYLE="white-space:nowrap">&#147;Non-GAAP</FONT> and other financial
measures&#148; of the 3Q24 MD&amp;A which is incorporated by reference and available on the SEDAR+ website at www.sedarplus.com. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><B>CAUTION REGARDING
FORWARD-LOOKING STATEMENTS: </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">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 &#147;safe harbour&#148; provisions of Canadian provincial securities laws and the U.S. Private
Securities Litigation Reform Act of 1995. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">The forward-looking statements in this document include, but are not limited to, statements with respect to the disposal
of ALDA assets, the expected closing time of the reinsurance transaction referred to in this document and its associated capital release, possible share buybacks, and organic LTC optimization and also relate to, among other things, our objectives,
goals, strategies, intentions, plans, beliefs, expectations and estimates, and can generally be identified by the use of words such as &#147;may&#148;, &#147;will&#148;, &#147;could&#148;, &#147;should&#148;, &#147;would&#148;, &#147;likely&#148;,
&#147;suspect&#148;, &#147;outlook&#148;, &#147;expect&#148;, &#147;intend&#148;, &#147;estimate&#148;, &#147;anticipate&#148;, &#147;believe&#148;, &#147;plan&#148;, &#147;forecast&#148;, &#147;objective&#148;, &#147;seek&#148;, &#147;aim&#148;,
&#147;continue&#148;, &#147;goal&#148;, &#147;restore&#148;, &#147;embark&#148; and &#147;endeavour&#148; (or the negative thereof) and words and expressions of similar import, and include statements concerning possible or assumed future results.
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&#146; expectations in any way. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">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. 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, inflation rates, currency rates, investment losses and defaults, market liquidity and creditworthiness of
guarantors, reinsurers and counterparties); the satisfaction of customary closing conditions in connection with the reinsurance transaction described herein; the ongoing prevalence of <FONT STYLE="white-space:nowrap">COVID-19,</FONT> including any
variants, as well as actions that have been, or may be taken by governmental authorities in response to <FONT STYLE="white-space:nowrap">COVID-19,</FONT> including the impact of any variants; 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 obtain premium rate increases on <FONT STYLE="white-space:nowrap">in-force</FONT> policies; 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 amount of contractual service margin recognized for service provided; 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 fair value through other comprehensive income; 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 <FONT STYLE="white-space:nowrap">non-North</FONT> American
operations; geopolitical uncertainty, including international conflicts, acquisitions or divestitures, and our ability to complete transactions; environmental concerns, including climate change; our ability to protect our intellectual property and
exposure to claims of infringement; and our inability to withdraw cash from subsidiaries and the fact that the </P>
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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, our ability to sell ALDA assets and our ability to execute our plans for inorganic LTC initiatives and close the reinsurance transaction described in this document. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">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 in our 3Q24 Management&#146;s Discussion and Analysis under &#147;Risk Management and Risk Factors Update&#148; and &#147;Critical Actuarial and Accounting Policies&#148;, in our 2023
Management&#146;s Discussion and Analysis under &#147;Risk Management and Risk Factors&#148; and &#147;Critical Actuarial and Accounting Policies&#148;, and in the &#147;Risk Management&#148; note to the Consolidated Financial Statements in our most
recent annual and interim reports and elsewhere in our filings with Canadian and U.S. securities regulators. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">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. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="font-size:120pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:120pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:100pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:ARIAL" ALIGN="right">5 </P>
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</SEC-DOCUMENT>
