In 1994, the Company was renamed John Hancock Life Insurance (Malaysia) Berhad to reflect our association with then called John Hancock Mutual Life Insurance Company in Boston, USA.

Throughout the years, we have positioned ourselves as a leading provider of a wide range of products and services that are designed to meet the financial protection and savings needs of eligible individuals and organisations in Malaysia. We have also gained a reputation as one of the most progressive and financially sound life insurance companies in the country. Currently, we fulfill the needs of more than 270,000 policyholders served by a dedicated agency force of 1,500 and 212 employees. An extensive network of 6 Regional Support Centre and more than 50 agency offices is strategically located throughout Peninsular Malaysia and East Malaysia.

Our wide range of products are available through the Manulife Agency force, as well as selected financial services organizations. The innovative product portfolio covers a broad range of needs, which include:

The Board of Directors has established a Participating Policyholders' Dividend Policy pursuant to the Insurance Act 1996 (Act 553) that is applicable to all the participating policies of Manulife Insurance Berhad. On an annual basis the Board of Directors reviews and approves the amount of retained surplus to be distributed and the basis of allocating dividends to participating policyholders, based on the recommendations of the Appointed Actuary. Participating policies are grouped into classes with common experience related to such factors as mortality, investment returns, expenses, tax and persistency. The dividend distribution process followed by the Company recognizes the relative contribution to retained surplus made by each policy class in order to achieve reasonable equity between classes and generations of participating policies. Any material deviations in experience gains / losses will be passed through to policyholders within a period not exceeding five years.

The Board of Directors will not declare a dividend on any participating policies unless the Appointed Actuary confirms that such dividend is in accordance with this dividend policy and consistent with the relevant regulations and guidelines issued by the Bank Negara Malaysia.

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$385 billion (US$364 billion) as at Sept 30th, 2008.

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