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2007 News Releases

For Immediate Release

November 1, 2007

Invest A Decade, Reap For Generations – Manulife Singapore Launches Manulife 3G Offering Attractive Yearly Cash Coupons

Singapore— Manulife (Singapore) Pte Limited today introduces Manulife 3G, a short-term premium paying participating whole life plan with yearly cash coupons that lasts a lifetime. With just 10 years premium payment commitment, Manulife 3G provides guaranteed cash coupons, growth potential and a gift that lasts for generations.

Manulife 3G currently gives a projected yearly cash coupon of 4.2 percent of the basic sum insured from the end of the10th policy anniversary onwards. This yearly cash coupon comprises of a guaranteed amount of 2.0 percent and a projected non-guaranteed amount of 2.2 percent* of the basic sum insured. Policyowners may also choose to deposit the cash coupons with the Company to enjoy additional growth, currently at an interest rate of 3.75 percent^ p.a. “The yearly cash coupons can be a financial source that help Singaporeans to sail through different stages of life - be it for their child’s education, that long-awaited house renovation, a family holiday, or a lifetime of retirement income,” said Darren Thomson, President and CEO of Manulife Singapore.  “As the Singapore population is aging and many are concerned about living long into old age without a regular income, Manulife 3G is another innovative product from Manulife which secures the retirement nest egg with an income stream that can last a lifetime. The attractive yearly cash coupons help Singaporeans to plan for a comfortable, golden retirement.”

“Manulife 3G not only fulfils your dream of living the lifestyle you deserve, it also helps you build a legacy that benefits three generations,” said Mr. Thomson. To maximize the potential of Manulife 3G, policyowners can take up the policy on their child’s life. The policyowner can draw the cash coupons for as long as they desire up to a time when they are ready to assign the plan to their child. Upon the assignment, the child would then enjoy the receipt of the yearly cash coupons. The basic sum insured and accumulated reversionary bonus (if any) can then be paid to the grandchild when the child passes on. “Manulife 3G is a great way to care for your family. By investing for a decade, customers can reap the significant benefit for generations,” he continued.

Manulife 3G comes with protection for the loss of life, terminal illness and total and permanent disability on the life insured. It also offers an optional premium waiver for coverage enhancement. Thus, even if something unfortunate such as critical illness were to happen, the policy would be self funded and the child can continue to enjoy the benefits.

About Manulife Financial
Manulife Financial is a leading Canadian-based financial services group serving millions of customers in 19 countries and territories worldwide. Operating as Manulife Financial in Canada and Asia, and primarily through John Hancock in the United States, the Company offers clients a diverse range of financial protection products and wealth management services through its extensive network of employees, agents and distribution partners. Funds under management by Manulife Financial and its subsidiaries were Cdn$410 billion (US$386 billion) as at June 30, 2007.

The financial strength of Manulife Financial’s insurance subsidiaries, including Manulife (International) Limited, is rated “AAA” by Standard & Poor’s Rating Services, the highest level available.

Manulife Financial Corporation trades as ‘MFC’ on the TSX, NYSE and PSE, and under ‘0945’ on the SEHK. Manulife Financial can be found on the Internet at www.manulife.com.

* As the yearly projected cash coupon of 2.2% is non-guaranteed, the actual benefit payable may vary according to the future performance of the Participating Fund.

^ 3.75% p.a. is the prevailing interest rate and is subject to change.

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For further information, please call:
Manulife (Singapore) Pte Ltd
Cindy Cheng
Assistant Vice President, Marketing
DID: 6 833 8162
E-mail: cindy_cheng_ac@manulife.com