Mr. Neal Kerins reports

JOHN HANCOCK INTRODUCES LIFE INSURANCE WITH OPTIONAL LONG-TERM CARE PROTECTION TO EMPLOYERS

John Hancock, a unit of Toronto-based Manulife Financial Corp., has launched a new Premier Benefit Indexed Universal Life (IUL) individual product in the voluntary benefit employer space. This new permanent life insurance product, available through the workplace, offers a streamlined digital process for employees to receive an instant offer for personally owned coverage. If available through their employers, employees may choose to enhance their protection with optional rider coverage for long-term-care needs. Additionally, all policies will be issued with John Hancock's industry-leading Vitality Plus rider, which offers savings and rewards for the everyday things people do to live longer, healthier, better lives.

"At John Hancock, we're committed to helping more customers secure the financial protection they need and to realize the many life-changing benefits of the John Hancock Vitality program," said Neal Kerins, vice-president of product development, John Hancock. "As companies look to retain talent in today's competitive job market, we saw an opportunity to offer an employee a very attractive option for their personal protection needs."

This new product offering is designed to help satisfy a broad range of employer and employee goals while providing value throughout the life of the policy. Features include:

• A fully digital application process from start to finish;
• Complete portability as employees fully own their policies;
• Income tax-free growth potential tied to the performance of one S&P-linked indexed account and a fixed account;
• Optional long-term care protection that offers supplemental coverage that allows employees to accelerate their policies' death benefit in the event of a long-term-care need;
• Opportunity to participate in Vitality Plus, which combines the financial protection of life insurance with a technology-enabled program that offers education, support, incentives and rewards designed to help customers live healthier.

"In this age where you can get anything from groceries to a mortgage electronically, it's important we offer that level of ease and convenience to our customers through a fully digital application process," continued Mr. Kerins. "We're committed to making it easier for our customers to obtain the quality life insurance they need to help protect their families and reach their long-term financial goals."

About John Hancock and Manulife Financial Corp.

John Hancock is a unit of Manulife Financial, a leading international financial services provider that helps people make their decisions easier and lives better by providing financial advice, insurance, and wealth and asset management solutions. Manulife Financial trades as MFC on the Toronto Stock Exchange, the New York Stock Exchange and the Philippine Stock Exchange and under 945 on the Hong Kong Stock Exchange.

One of the largest life insurers in the United States, John Hancock supports more than 10 million Americans with a broad range of financial products, including life insurance and annuities. John Hancock also supports U.S. investors by bringing leading investment capabilities and retirement planning and administration expertise to individuals and institutions.