News Release

FOR IMMEDIATE RELEASE TSX/NYSE/PSE: MFC; SEHK: 0945
July 14, 2005

Manulife Singapore offers an investment-linked plan with no insurance charges

Singapore – Manulife (Singapore) Pte Ltd has launched ManuLink Investor – a 100 percent investment-focused plan with no insurance charges or policy fees.

“Many Singaporeans want to build their wealth for retirement through investment but don’t have the time and information it takes to professionally manage their investments. ManuLink Investor is the solution for investors who want to maximise their investments,” said Philip Hampden-Smith, President and CEO of Manulife Singapore.

With just a $5,000 investment, policyholders can leverage the expertise of Manulife’s trusted global fund managers and invest in professionally managed funds. There is a wide selection of 20 funds and portfolios to choose from depending on the personal risk appetite and financial objectives.

“One key benefit is the unlimited free fund switches that allow policyholders to take advantage of market movements and re-balance their investment portfolio, switching funds at anytime without additional cost,” said Mr. Hampden-Smith. “Each fund switch is at bid-to-bid price so policyholders are not penalised by the bid-offer spread, allowing their money to work harder for their investment. In addition, we provide a cash fund option, enabling investors to hold cash when the investment climate looks less attractive.”

ManuLink Investor, a single premium investment-linked plan with no insurance charges, is available in cash, CPFIS-Ordinary Account/Special Account and Supplementary Retirement Scheme (SRS). The plan has guaranteed approval and is eligible for policyholders age 21 to 65.



About Manulife Financial

Manulife Financial is a leading Canadian-based life insurance 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 life insurance services through its extensive network of employees, agents and distribution partners. Funds under management by Manulife Financial and its subsidiaries were Cdn$350 billion as at March 31, 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.