<SEC-DOCUMENT>0001193125-25-278082.txt : 20251113
<SEC-HEADER>0001193125-25-278082.hdr.sgml : 20251113
<ACCEPTANCE-DATETIME>20251112175142
ACCESSION NUMBER:		0001193125-25-278082
CONFORMED SUBMISSION TYPE:	6-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20251112
FILED AS OF DATE:		20251113
DATE AS OF CHANGE:		20251112

FILER:

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

	FILING VALUES:
		FORM TYPE:		6-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-14942
		FILM NUMBER:		251474601

	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>d73572d6k.htm
<DESCRIPTION>6-K
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<HTML><HEAD>
<TITLE>6-K</TITLE>
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<Center><DIV STYLE="width:8.5in" align="left">
<DIV STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;
</DIV><DIV STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</DIV> <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><DIV STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</DIV></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>Form 6-K </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center><DIV STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</DIV></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 <FONT STYLE="white-space:nowrap">13a-16</FONT> OR <FONT STYLE="white-space:nowrap">15d-16</FONT> </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 2025 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Commission File Number: 1-14942 </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center><DIV STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</DIV></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&#8217;s name into English) </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center><DIV STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</DIV></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) 926-3000 </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><DIV STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</DIV></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 20-F or Form 40-F. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Form 20-F&#8194;&#9744; &#8195;&#8195;&#8195;Form 40-F&#8194;&#9746; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The registrant&#8217;s news release dated November 12, 2025 filed with this Form 6-K as Exhibit 99.1, is incorporated by reference in the registration
statements filed with the with the Securities and Exchange Commission by the registrant on Form S-8 (Registration Nos. 333-12610, 333-13072, 333-114951, 333-129430, 333-157326, 333-211366, 333-272672, 333-277446), on Form F-3 (Registration
No.&nbsp;333-159176) and on Form F-10 (Registration No.&nbsp;333-290499). </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;
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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 6-K </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 6-K, 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>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


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<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Exhibit</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <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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<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>99.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">News Release dated November 12, 2025</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>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000;">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000;"><I>/s/ Eddy Mezzetta</I></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">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="bottom">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 12, 2025 </P>
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<TYPE>EX-99.1
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei" 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">


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 </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:24pt; font-family:SimHei"><B>News </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:24pt; font-family:SimHei"><B>Release </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD VALIGN="top">For Immediate Release</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">TSX/NYSE/PSE: MFC &#8195;SEHK: 945</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei" ALIGN="center"><B>Manulife Announces Refreshed Enterprise Strategy to Deliver Sustainable, Long-Term </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei" ALIGN="center"><B>Growth </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei" ALIGN="center"><I>Introduces new ambition to be
number one choice for customers, supported by five new and </I></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei" ALIGN="center"><I>elevated strategic priorities </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei" ALIGN="center"><I>Builds on strong foundation and momentum by accelerating action on longevity, will expand </I></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei" ALIGN="center"><I>global footprint to India </I></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei"><B>TORONTO, ON &#8211;
</B>November 12, 2025: Manulife today introduced a refreshed strategy featuring new and elevated strategic priorities that build on its strengths and are anchored in an ambition to be the number one choice for customers. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei"><B>Manulife poised to capture opportunities in a rapidly changing operating environment </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei">The global financial landscape is evolving at an unprecedented pace. Heightened market volatility, global economic uncertainty, increasing consumer digital
expectations, and intensifying competition for talent and distribution are reshaping the industry. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei">Manulife is well-positioned to thrive in this environment. The
company is diversified by business and across geographies, <FONT STYLE="font-family:SimHei; font-size:11pt" COLOR="#388791"><U>recognized</U></FONT><FONT STYLE="font-family:SimHei">
[https://www.manulife.com/en/news/manulife-named-number-1-life-insurance-company-for-ai-maturity-by-evident.html] for industry-leading AI capabilities and <FONT STYLE="white-space:nowrap">top-quartile</FONT> employee engagement, and maintains robust
presence across <FONT STYLE="white-space:nowrap">high-growth</FONT> markets in Asia and more mature markets in North America. </FONT></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei">To remain agile and position
the organization to continue capitalizing on emerging opportunities and generate long-term value, Manulife is refreshing its strategy. This strategy further strengthens the company&#8217;s ability to deliver on its 2027 financial targets, which
include: Core return on equity (ROE) of 18%+ by 2027; Cumulative remittances of $22 billion+ between 2024 and 2027; and Asia region core earnings contribution of 50%. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei">&#8220;We see tremendous growth potential across our entire portfolio and our refreshed strategy positions us to capture these opportunities for the next decade and
beyond as we become the number one choice for customers,&#8221; said Phil Witherington, President and CEO, Manulife. &#8220;While we are pleased with our momentum towards our 2027 targets, we&#8217;re taking actions to ensure we look past that
horizon to deliver for all of our stakeholders for the <FONT STYLE="white-space:nowrap">long-term.</FONT> Today and tomorrow our purpose remains unchanged: to make decisions easier and lives better for our more than 36&nbsp;million customers around
the world.&#8221; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial" ALIGN="center">CONFIDENTIAL </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei"><B>Introducing new and elevated strategic priorities to power Manulife&#8217;s next chapter of high quality,
sustainable growth </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei">Manulife will deliver on its ambition through five new and elevated strategic priorities. These build on the company&#8217;s strong
foundation and carry through strategic continuity, all while capturing necessary change to position the organization for the future: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:SimHei; font-size:11pt"><B>Winning Team and Culture</B>: Manulife will strengthen their culture of performance, inclusion, and continuous learning
while investing in the skills and leadership needed to succeed in a rapidly changing world &#8211; positioning the organization as a magnet for top talent. </P></TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:SimHei; font-size:11pt"><B>Diversified Business Portfolio</B>: Manulife remains well-positioned to capture the exceptional growth opportunities
across Asia and Global WAM, and this will be accompanied by investment to further strengthen and grow in its home market of Canada, and investment to deliver new business growth and sustain a scaled presence in the U.S. </P></TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:SimHei; font-size:11pt"><B>Empowering Customer Health, Wealth, and Longevity</B>: Manulife will deliver a differentiated value proposition by
leveraging strengths in product, digital innovation, and partnerships to become the most trusted partner for customers&#8217; health, wealth, and financial well-being. </P></TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:SimHei; font-size:11pt"><B><FONT STYLE="white-space:nowrap">AI-Powered</FONT> Organization</B>: Manulife will build on its leadership position
integrating <FONT STYLE="white-space:nowrap">AI-</FONT> powered solutions at scale to create value, drive growth and even greater efficiency, and provide <FONT STYLE="white-space:nowrap">world-leading</FONT> experiences for our customers.
</P></TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:SimHei; font-size:11pt"><B>Superior Distribution</B>: Manulife will make it easier for customers to buy, advisors to sell, and partners to grow by
expanding and optimizing channels across its entire portfolio while utilizing AI to enhance distribution and provide frictionless customer interactions. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei">Expense efficiency and portfolio optimization remain embedded across the business. As the company executes on these priorities, it expects to deliver growth to build
on total shareholder return momentum. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei">Manulife&#8217;s refreshed strategic priorities are <B>grounded in the megatrends that will define the future of insurance
and asset management</B>, and the company is taking immediate action to ensure it is well positioned to drive impact and expand to capture growth opportunities. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei"><B><I>Health, wealth and longevity </I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei">As global populations live longer,
the gaps in retirement and health protection are widening &#8211; creating significant opportunities to deliver shared value across customer lifespans. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei">Manulife
is taking action with the launch of the <FONT STYLE="font-family:SimHei; font-size:11pt" COLOR="#388791"><U>Manulife Longevity Institute</U></FONT><FONT STYLE="font-family:SimHei">
[https://www.manulife.com/en/news/manulife-launches-global-longevity-institute.html], a global research, advocacy, and community investment platform backed by a $350&nbsp;million commitment through 2030 to help people live longer, healthier, and
more financially secure lives. </FONT></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial" ALIGN="center">CONFIDENTIAL </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei"><B><I>Expanding global footprint across the mega-economies of the future </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei">Already operating in markets that generate approximately 60% of global life insurance premiums, with strong, scaled positions in the U.S. and China, Manulife today <FONT
STYLE="font-family:SimHei; font-size:11pt" COLOR="#388791"><U>announced</U></FONT><FONT STYLE="font-family:SimHei">
[https://www.newswire.ca/news-releases/manulife-and-mahindra-agree-to-establish-50-50-life-insurance-joint-venture-in-india-825319387.html] its planned expansion to capture growth in one of the world&#8217;s
<FONT STYLE="white-space:nowrap">fastest-growing</FONT> economies: India. </FONT></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei">Through a joint venture with Mahindra, a trusted and existing partner through an
asset management relationship, Manulife is entering the India insurance market<SUP STYLE="font-size:75%; vertical-align:top">1</SUP>. This partnership will position Manulife to grow across all three of the world&#8217;s most influential economies
and deliver long-term value. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei">&#8220;Our expansion into the India insurance market will mark an important step to further strengthen our diversified global
footprint &#8211; and we&#8217;re pleased to be entering a market that offers remarkable growth potential,&#8221; said Witherington. &#8220;In addition to sustaining momentum across Asia and Global WAM, to achieve our ambition we will make strategic
organic investments in all of our segments. In Canada, we see attractive growth opportunities and our aspiration to be the undisputed insurance leader in our home market remains clear. And in the US, we will deliver sustained scale by broadening our
offerings and expanding our customer base. I have incredible confidence in our path forward as we deliver this strategy.&#8221; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei"><B>For more information on
Manulife&#8217;s refreshed strategy: </B>watch a detailed explainer video featuring Phil Witherington <FONT STYLE="font-family:SimHei; font-size:11pt" COLOR="#388791"><U>here</U></FONT><FONT STYLE="font-family:SimHei">
<FONT STYLE="white-space:nowrap">[https://authorized-embed.ustudio.com/embed/Dwzk5IW24dXV/UHOCAU31ncgP?auth:ref=&amp;auth:token=ppaS6GBDsqkgoB3esfdXlPV</FONT><BR>qiHvnFzESDbZloqEpbrA:1763009485:7vdedtBUsOUYevyZM2CYfG3bcaLazpGHUROUL0w2o9g], read the
video transcript and view the accompanying strategy slide deck </FONT><FONT STYLE="font-family:SimHei; font-size:11pt" COLOR="#388791"><U>here</U></FONT><FONT STYLE="font-family:SimHei"> [https://www.manulife.com/en/investors/strategy.html], and
visit Manulife.com for more. </FONT></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei"><B>Media Inquiries </B> </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei">Fiona McLean
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei">(437) <FONT STYLE="white-space:nowrap">441-7491</FONT> </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei">fiona_mclean@manulife.com </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei"><B>Investor Relations </B> </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei">Derek Theobalds </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei">(416) <FONT STYLE="white-space:nowrap">254-1774</FONT> </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei">derek_theobalds@manulife.com </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei"><U><B>About Manulife</B></U> </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei">Manulife Financial Corporation is a leading international financial services provider, helping our customers make their decisions easier and lives better. With our
global headquarters in Toronto, Canada, we operate as Manulife across Canada, Asia, and Europe, and primarily as John Hancock in the United States, providing financial advice and insurance for individuals, groups and businesses. 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 2024, we had more than 37,000 employees, over 109,000
agents, and thousands of distribution partners, serving over 36&nbsp;million customers. We trade as &#8216;MFC&#8217; on the Toronto, New York, and the Philippine stock exchanges, and under &#8216;945&#8217; in Hong Kong.
</P><DIV STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:11%">&nbsp;</DIV>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:SimHei"><SUP STYLE="font-size:75%; vertical-align:top">1</SUP> &#8220;Subject to the receipt of regulatory approvals </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial" ALIGN="center">CONFIDENTIAL </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

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<IMG SRC="g73572g25b59.jpg" ALT="LOGO">
 </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei">Not all offerings are available in all jurisdictions. For additional information, please visit manulife.com. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei"><B>Caution Regarding Forward-Looking Statements </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei">From time to time, Manulife
makes written and/or oral <FONT STYLE="white-space:nowrap">forward-looking</FONT> statements, including in this document. In addition, our representatives may make <FONT STYLE="white-space:nowrap">forward-looking</FONT> 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. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei">The <FONT STYLE="white-space:nowrap">forward-looking</FONT> statements in this document include, but are not limited to, statements with respect to our strategic
priorities and targets, our ability to achieve our <FONT STYLE="white-space:nowrap">medium-term</FONT> financial and operating targets, our refreshed strategy and becoming the number one choice for customers, the anticipated benefits and value
derived from the use of AI, our ambition to </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei">become the most trusted partner for customers&#8217; health, wealth, and financial well-being. entering into the
Indian insurance market and its anticipated benefits 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
&#8220;may&#8221;, &#8220;will&#8221;, &#8220;could&#8221;, &#8220;should&#8221;, &#8220;would&#8221;, &#8220;likely&#8221;, &#8220;suspect&#8221;, &#8220;outlook&#8221;, &#8220;expect&#8221;, &#8220;intend&#8221;, &#8220;estimate&#8221;,
&#8220;anticipate&#8221;, &#8220;believe&#8221;, &#8220;plan&#8221;, &#8220;forecast&#8221;, &#8220;objective&#8221;, &#8220;seek&#8221;, &#8220;aim&#8221;, &#8220;continue&#8221;, &#8220;goal&#8221;, &#8220;restore&#8221;, &#8220;embark&#8221; and
&#8220;endeavour&#8221; (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 <FONT
STYLE="white-space:nowrap">forward-looking</FONT> 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. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei">Certain material factors or assumptions are applied in making <FONT STYLE="white-space:nowrap">forward-looking</FONT>
statements and actual results may differ materially from those expressed or implied in such statements. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei">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); 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 in- force 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 accuracy of estimates relating to morbidity, mortality and
policyholder behaviour; the accuracy of other estimates used in applying accounting policies and 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 </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial" ALIGN="center">CONFIDENTIAL </P>

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<IMG SRC="g73572g25b59.jpg" ALT="LOGO">
 </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei">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 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 operations; geopolitical uncertainty, including international conflicts and trade disputes; 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, including climate change; our ability to protect our intellectual property and exposure to claims of infringement; the receipt
of regulatory approvals for entering into the Indian insurance market and the anticipated benefits of such entry; our ability to execute our digital plans and to deploy future digital use cases, and our inability to withdraw cash from subsidiaries.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei">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 <FONT STYLE="white-space:nowrap">forward-looking</FONT> statements may be found under &#8220;Risk Management and Risk Factors&#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, and 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. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:11pt; font-family:SimHei">The <FONT STYLE="white-space:nowrap">forward-looking</FONT> 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 <FONT STYLE="white-space:nowrap">forward-looking</FONT> statements, except as required by law. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial" ALIGN="center">CONFIDENTIAL </P>

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