2005 News Releases

Jakarta– PT Asuransi Jiwa Manulife Indonesia (Manulife Indonesia) today introduced a new product called Equity Protection that guarantees the customer’s principal investment. A customer’s initial investment is invested in a mixture of equities, bonds and money market instruments, in the form of single premium and has upside potential based on the Indonesian stock market, plus Manulife guarantees they will receive at least 105%, 107%, or 110% of their initial investment (according to the selected contract period of either five, seven or 10 years).

Amid today’s volatile economic conditions, Indonesians prefer safe investment options. “This product is suitable for the individual investor who has enough cash to be put into a long-term investment product (for a minimum of five years) and is looking for a low-risk, high-yield potential product so they don’t have to worry about financial loss,” said John Harrison, President Director, Manulife Indonesia.

A portion of the funds invested in Equity Protection will be placed in Manulife’s own equity instrument, Manulife Dana Ekuitas, which is managed by professional fund manager PT Manulife Aset Manajemen Indonesia (MAMI),” said Naresh Khrisnan, Vice President, Wealth Management, Manulife Indonesia.

No medical screenings are required to purchase the new Equity Protection product.. “Note that if the insured dies within the contract period, Manulife guarantees a minimum of 125% of the initial investment at the end of the term,” said Hans De Waal, Assistant Vice President, Product Development, Manulife Indonesia .

About Manulife Indonesia
Established in 1985, Manulife Indonesia was chosen in 2003 as ‘Indonesia's Most Admired Company (IMAC)’ in the Insurance category by Frontier Marketing Research & Business Week magazine. In 2002, the Company was awarded the title of ‘Life Insurance Company of the Year’ in Asia by Asia Insurance Review, a respected insurance publication in Asia.

Manulife Indonesia offers the most comprehensive products and services in the Indonesian industry of life insurance, employee benefits and mutual funds. Headquartered in Jakarta, Manulife Indonesia operates through a network of 112 branch offices in 32 cities throughout the country, supported by 5,000 employees and full-time professional agents who serve more than 950,000 customers.

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$364 billion (US$297 billion) as at June 30, 2005.

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.

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