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<TITLE>S-8</TITLE>
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<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<P align="right" style="font-size: 10pt">Registration Statement No.&nbsp;333-

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<P align="center" style="font-size: 14pt"><B>SECURITIES AND EXCHANGE COMMISSION</B>

<DIV align="center" style="font-size: 12pt"><B>WASHINGTON, D.C. 20549</B>
</DIV>

<P align="center" style="font-size: 18pt"><B>FORM S-8</B>

<DIV align="center" style="font-size: 10pt"><B>REGISTRATION STATEMENT</B></DIV>

<DIV align="center" style="font-size: 10pt"><B>UNDER</B></DIV>

<DIV align="center" style="font-size: 10pt"><B>THE SECURITIES ACT OF 1933</B></DIV>

<P align="center" style="font-size: 24pt"><B>MANULIFE FINANCIAL CORPORATION</B>
<DIV align="center" style="font-size: 10pt">(Exact Name of Registrant as Specified in Its Charter)</DIV>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="55%">
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    <TD width="47%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="47%">&nbsp;</TD>
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<TR valign="bottom">
    <TD align="center" valign="top"><B>Canada</B>
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><B>Not Applicable</B></TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top">(State or other jurisdiction of<BR>
incorporation or organization)
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">(I.R.S. employer<BR>
identification number)</TD>
</TR>
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</TABLE>
</DIV>

<P align="center" style="font-size: 10pt"><B>200 Bloor Street East, Toronto<BR>
Ontario, Canada, M4W 1E5</B><BR>
(Address of principal executive offices)

<P align="center" style="font-size: 10pt"><B>JOHN HANCOCK FINANCIAL
SERVICES, INC. 1999 LONG-TERM STOCK INCENTIVE PLAN, AS<BR>
AMENDED<BR>
JOHN HANCOCK FINANCIAL SERVICES, INC. NON-EMPLOYEE DIRECTORS&#146; LONG-TERM<BR>
STOCK INCENTIVE PLAN</B>
<P align="center" style="font-size: 10pt">(Full title of the plan)

<P align="center" style="font-size: 10pt"><B>James Gallagher, Esq.<BR>
Manulife Financial Corporation<BR>
73 Tremont Street, Suite&nbsp;1300<BR>
Boston, Massachusetts 02108-3915</B><BR>
(Name and address of agent for service)

<P align="center" style="font-size: 10pt"><B>(617)&nbsp;854-8614</B><BR>
(Telephone number, including area code, of agent for service)

<P align="center" style="font-size: 10pt">Copy to:<BR>
<B>General Counsel&#146;s Office<BR>
200 Bloor Street East, Toronto<BR>
Ontario, Canada, M4W 1E5</B>

<P align="center" style="font-size: 10pt"><B>CALCULATION OF REGISTRATION FEE</B>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
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    <TD width="1%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="7%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="8%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
</TR>

<TR><TD colspan="17" align="center" valign="top"><hr size="2" noshade></TD></TR>
<TR style="font-size: 10pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>Proposed Maximum</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>Proposed Maximum</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>&nbsp;</B></TD>
</TR>
<TR style="font-size: 10pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>Amount to</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>Offering Price per</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>Aggregate Offering</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>Amount of</B></TD>
</TR>
<TR style="font-size: 10pt" valign="bottom">
    <TD nowrap align="left"><B>Title of Securities to be
Registered</B><HR size="2" noshade></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>be Registered</B>
(1)<HR size="2" noshade></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>Unit</B> (2)<HR size="2" noshade></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>Price</B> (2)<HR size="2" noshade></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>Registration Fee</B><HR size="2" noshade></TD>
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    <TD><DIV style="margin-left:10px; text-indent:-10px"><B>Common Shares, no par value</B></DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">22,752,839</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">$</TD>
    <TD align="right">30.74</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">$</TD>
    <TD align="right">699,422,271</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">$</TD>
    <TD align="left">88,617</TD>
    <TD>(3)</TD>
</TR>

<TR>
    <TD colspan="17" align="center" valign="top"><hr size="2" noshade></TD>
</TR>
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</TABLE>
</DIV>

<P align="left" style="font-size: 10pt">(1)&nbsp;This Registration Statement registers the issuance of 22,752,839 shares of
common stock of Manulife Financial Corporation (the &#147;Registrant&#148;), no par value
(the &#147;Common Shares&#148;). Such number of shares represents the aggregate number
of shares that may be issued upon exercise of options, which have been granted
under the plans listed above (collectively, the &#147;Plans&#148;). The maximum number
of shares that may be issued in connection with the exercise of options under
the Plans is subject to adjustment in accordance with certain anti-dilution and
other provisions of such Plans. Accordingly, pursuant to Rule&nbsp;416 under the
Securities Act of 1933, as amended (the &#147;Securities Act&#148;), this Registration
Statement covers, in addition to the number of shares stated above, an
indeterminate number of shares which may be subject to grant or otherwise
issuable after the operation of any such anti-dilution and other provisions.

<P align="left" style="font-size: 10pt">(2)&nbsp;Estimated solely for the purpose of calculating the registration fee
pursuant to the provisions of Rule 457(c) and (h)&nbsp;of the Securities Act, based
upon the weighted average exercise price per share ($30.74) for 22,752,839
shares subject to outstanding options previously granted.

<P align="left" style="font-size: 10pt">(3)&nbsp;The total filing fee
for Common Shares registered herein of $88,617 is
offset pursuant to Rule 457(p) of the Securities Act by filing fees previously
paid with respect to unsold shares registered pursuant to a registration
statement on Form S-8 filed by John Hancock Financial Services, Inc., a
wholly-owned subsidiary of the Registrant, on May&nbsp;18, 2001 for
the John Hancock Financial Services, Inc. 1999 Long-Term Stock
Incentive Plan, as amended, and the John Hancock
Non-Employee Directors&#146; Long-Term Stock Incentive Plan (Registration No.&nbsp;333-61206).
</DIV>

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<P align="center" style="font-size: 10pt">2



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<A name="toc"><DIV align="CENTER" style="page-break-before:always"><U><B>TABLE OF CONTENTS</B></U></DIV></A>

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<TR><TD colspan="9"><A HREF="#000">EXPLANATORY NOTE</A></TD></TR>
<TR><TD colspan="9"><A HREF="#001">PART I<BR> INFORMATION REQUIRED IN THE SECTION 10(A) PROSPECTUS</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#002">ITEM 1. PLAN INFORMATION</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#003">ITEM 2. REGISTRANT INFORMATION AND EMPLOYEE PLAN ANNUAL INFORMATION</A></TD></TR>
<TR><TD colspan="9"><A HREF="#004">PART II<BR> INFORMATION REQUIRED IN THE REGISTRATION STATEMENT</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#005">ITEM 3. INCORPORATION OF DOCUMENTS BY REFERENCE</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#006">ITEM 4. DESCRIPTION OF SECURITIES</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#007">ITEM 5. INTERESTS OF NAMED EXPERTS AND COUNSEL</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#008">ITEM 6. INDEMNIFICATION OF DIRECTORS AND OFFICERS</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#009">ITEM 7. EXEMPTION FROM REGISTRATION CLAIMED</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#010">ITEM 8. EXHIBITS</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#011">ITEM 9. UNDERTAKINGS</A></TD></TR>
<TR><TD colspan="9"><A HREF="#012">SIGNATURE PAGE</A></TD></TR>
<TR><TD colspan="9"><A HREF="#013">EXHIBIT INDEX</A></TD></TR>
<TR><TD colspan="9"><A HREF="y95345cexv5w1.htm">OPINION OF RICHARD A. LOCOCO</A></TD></TR>
<TR><TD colspan="9"><A HREF="y95345cexv23w2.htm">CONSENT OF ERNST & YOUNG, LLP</A></TD></TR>
<TR><TD colspan="9"><A HREF="y95345cexv99w1.htm">1999 LONG-TERM STOCK INCENTIVE PLAN</A></TD></TR>
<TR><TD colspan="9"><A HREF="y95345cexv99w2.htm">OUTSIDE DIRECTORS' LONG-TERM STOCK INCENTIVE PLAN</A></TD></TR>
</TABLE>
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<DIV align="left"><A NAME="000"></A></DIV>
<P align="center" style="font-size: 10pt"><B>EXPLANATORY NOTE</B>

<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to the terms of the Agreement and Plan of Merger dated as of
September&nbsp;28, 2003, as amended by the First Amendment to Agreement and Plan of
Merger, dated as of December&nbsp;29, 2003 (the &#147;Merger Agreement&#148;), on April&nbsp;28,
2004, Jupiter Merger Corporation, a direct wholly-owned subsidiary of the
Registrant, merged with and into John Hancock Financial Services, Inc. (&#147;John
Hancock&#148;), which is now a direct wholly-owned subsidiary of the Registrant (the
&#147;Merger&#148;).

<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to the Merger Agreement, the Registrant assumed the obligations
of John Hancock under the John Hancock 1999 Long-Term Stock Incentive Plan and the John Hancock Non-Employee Directors&#146; Long-Term Stock Incentive
Plan, as amended (the &#147;Plans&#148;). Shares issuable under the Plans were
originally registered by John Hancock on Forms S-8, Registration Nos. 333-30718
and 333-61206, respectively. The number of shares subject to outstanding
options under the Plans as of the closing of the Merger has been recalculated
pursuant to the exchange ratio set forth in the Merger Agreement. The
weighted average exercise price has been calculated by dividing the weighted
average exercise price per share of John Hancock common stock subject to
options outstanding immediately prior to the closing of the Merger by the
exchange ratio set forth in the Merger Agreement.

<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This Registration Statement relates to the Common Shares of the
Registrant issuable pursuant to the Plans based on the exchange ratio of 1.1853
Common Shares per share of John Hancock Common Stock as follows:

<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" style="background: transparent">&nbsp;</TD>
    <TD width="1%" nowrap align="right">&#149;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>22,438,734 common shares subject to outstanding options
granted under the John Hancock Financial Services, Inc. 1999
Long-Term Stock Incentive Plan, as amended; and</TD>
</TR>
</TABLE>

<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" style="background: transparent">&nbsp;</TD>
    <TD width="1%" nowrap align="right">&#149;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>314,105 common shares subject to outstanding options granted
under the John Hancock Financial Services, Inc. Non-Employee
Directors&#146; Long-Term Stock Incentive Plan.</TD>
</TR>
</TABLE>
</DIV>

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<P align="center" style="font-size: 10pt">3

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<P align="center" style="font-size: 10pt">PART I<BR>
INFORMATION REQUIRED IN THE SECTION 10(A) PROSPECTUS


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<P align="left" style="font-size: 10pt">ITEM 1. PLAN INFORMATION



<P align="left" style="margin-left:6%; font-size: 10pt">Not filed as part of this Registration Statement pursuant to Note to Part&nbsp;I of Form S-8.

<!-- link2 "ITEM 2. REGISTRANT INFORMATION AND EMPLOYEE PLAN ANNUAL INFORMATION" -->
<DIV align="left"><A NAME="003"></A></DIV>

<P align="left" style="font-size: 10pt">ITEM 2. REGISTRANT INFORMATION AND EMPLOYEE PLAN ANNUAL INFORMATION



<P align="left" style="margin-left:6%; font-size: 10pt">Not filed as part of this Registration Statement pursuant to Note to Part
I of Form S-8.

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<P align="center" style="font-size: 10pt">PART II<BR>
INFORMATION REQUIRED IN THE REGISTRATION STATEMENT


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<P align="left" style="font-size: 10pt">ITEM 3. INCORPORATION OF DOCUMENTS BY REFERENCE


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following documents previously filed by the Registrant with the
Securities and Exchange Commission (the &#147;SEC&#148;) pursuant to the Securities
Exchange Act of 1934, as amended (the &#147;Exchange Act&#148;) are hereby incorporated
by reference in this Registration Statement:


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1)&nbsp;The Registrant&#146;s Annual Report on Form 40-F for the fiscal year ended
December&nbsp;31, 2003, filed with the SEC on April&nbsp;1, 2004;


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3)&nbsp;The Registrant&#146;s Current Reports on Form 6-K, filed with the SEC on
each of February&nbsp;5, 2004, April&nbsp;1, 2004 and April&nbsp;28, 2004; and


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(4)&nbsp;The Registrant&#146;s Registration Statement on Form 8-A12B (File No.
001-14942), filed with the SEC on August&nbsp;20, 1999, and the description of the
Registrant&#146;s Common Shares, as contained in Amendment No.&nbsp;2 to the Registrant&#146;s
Registration Statement on Form F-10 (File No.&nbsp;333-10380), filed with the SEC on
September&nbsp;25, 1999.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In addition, all documents filed by the Registrant pursuant to Section
13(a), 13(c), 14 or 15(d) of the Exchange Act subsequent to the date of this
Registration Statement and prior to the filing of a post-effective amendment
which indicates that all securities offered have been sold or which deregisters
all securities then remaining unsold, shall be deemed to be incorporated by
reference into this Registration Statement and to be a part hereof from the
date of filing of such documents. Any statement contained in a document
incorporated or deemed to be incorporated by reference herein shall be deemed
to be modified or superseded for purposes of this Registration Statement to the
extent that a statement contained herein or in any subsequently filed document
which also is incorporated or deemed to be incorporated by reference herein
modifies or supersedes such statement. Any such statement so modified or
superseded shall not be deemed, except as so modified or superseded, to
constitute a part of this Registration Statement.

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<P align="left" style="font-size: 10pt">ITEM 4. DESCRIPTION OF SECURITIES


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Not applicable.

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<P align="left" style="font-size: 10pt">ITEM 5. INTERESTS OF NAMED EXPERTS AND COUNSEL


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Not applicable.


</DIV>

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<P align="center" style="font-size: 10pt">4


<!-- link2 "ITEM 6. INDEMNIFICATION OF DIRECTORS AND OFFICERS" -->
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<P align="left" style="font-size: 10pt">ITEM 6. INDEMNIFICATION OF DIRECTORS AND OFFICERS



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Registrant is governed by the Insurance Companies Act (Canada) (the
&#147;ICA&#148;). Under the ICA, a company may not, by contract, resolution or by-law,
limit the liability of its directors for breaches of their fiduciary duties.
However, the company may indemnify a director or officer, a former director or
officer or a person who acts or acted at the company&#146;s request as a director or
officer of an entity of which the company is or was a shareholder or creditor,
and his or her heirs and legal representatives, against all costs, charges and
expenses, including an amount paid to settle an action or satisfy a judgment,
reasonably incurred by him or her because of any civil, criminal or
administrative action or proceeding to which he or she is made a party by
reason of being or having been a director or officer of the company or the
entity, if:



<P align="left" style="margin-left:3%; font-size: 10pt">(1)&nbsp;that person acted honestly and in good faith with a view to the best
interests of the
company; and



<P align="left" style="margin-left:3%; font-size: 10pt">(2)&nbsp;in the case of a criminal or administrative action or proceeding that
is enforced by a
monetary penalty, that person had reasonable grounds for believing that
his or her impugned
conduct was lawful.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;These individuals are entitled to indemnity from the company if the person
was substantially successful on the merits of his or her defense of the action
or proceeding and fulfilled the conditions set out in (1)&nbsp;and (2)&nbsp;above. A
company may, with the approval of a court, also indemnify that person regarding
an action by or on behalf of the company or entity to procure a judgment in its
favor, to which the person is made a party by reason of being or having been a
director or officer of the company or entity, if he or she fulfills the
conditions set out in (1)&nbsp;and (2)&nbsp;above.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to the Registrant&#146;s by-laws, the directors and senior executive
officers have by resolution provided that the Registrant will have no
obligation to indemnify any person for:


<P>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="1%" nowrap align="right">&#149;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>any acts committed with actual dishonest, fraudulent, criminal or malicious intent;</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="1%" nowrap align="right">&#149;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>any act of gross negligence or willful neglect;</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="1%" nowrap align="right">&#149;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>any claims relating to liabilities of other persons
assumed by any person entitled to indemnification;</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="1%" nowrap align="right">&#149;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>any claims relating to enterprises owned, operated,
managed or controlled by any person entitled to indemnification;</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="1%" nowrap align="right">&#149;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>any claims relating to pension plans sponsored by any person entitled to indemnification;</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="1%" nowrap align="right">&#149;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>bodily injury, sickness or disease of any person;</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="1%" nowrap align="right">&#149;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>injury to or destruction of any tangible property; and</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="1%" nowrap align="right">&#149;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>any actions that were in breach of compliance with the Registrant&#146;s policy.</TD>
</TR>

</TABLE>


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In addition, the directors and senior executive officers of the Registrant
are insured under officers&#146; and directors&#146; liability insurance policies
purchased by the Registrant.

<!-- link2 "ITEM 7. EXEMPTION FROM REGISTRATION CLAIMED" -->
<DIV align="left"><A NAME="009"></A></DIV>

<P align="left" style="font-size: 10pt">ITEM 7. EXEMPTION FROM REGISTRATION CLAIMED


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Not applicable.

<!-- link2 "ITEM 8. EXHIBITS" -->
<DIV align="left"><A NAME="010"></A></DIV>

<P align="left" style="font-size: 10pt">ITEM 8. EXHIBITS


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following exhibits are filed or incorporated by reference as part of
this Registration Statement:


</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<P align="center" style="font-size: 10pt">5


<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">

<!-- Begin Table Head --><TR valign="bottom">
    <TD width="6%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="90%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left"><B>Exhibit</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center"><B>&nbsp;</B></TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left"><B>Number</B><HR size="1" noshade></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center"><B>Description of Exhibit</B><HR size="1" noshade></TD>
</TR>


<!-- End Table Head -->

<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">4.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Manulife Financial Corporation Letters Patent of Incorporation and Order to Commence and
Carry on Business (incorporated by reference to Exhibit&nbsp;4.1 of the Registrant&#146;s
Registration Statement on Form&nbsp;F-4, filed with the SEC on November&nbsp;6, 2003 (Registration
No.&nbsp;333-110281)).</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">4.2
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Manulife Financial Corporation General By-Laws No.&nbsp;1 and No.&nbsp;2 (incorporated by reference
to Exhibit&nbsp;4.2 of the Registrant&#146;s Registration Statement on Form&nbsp;F-4, filed with the SEC
on November&nbsp;6, 2003 (Registration No.&nbsp;333-10281)).</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">5.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Opinion of Richard A. Lococo, Vice President and Deputy General Counsel of Manulife
Financial Corporation, as to the validity of the shares of Common Shares to which this
Registration Statement relates.</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">23.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Consent of Richard A. Lococo, Vice President and Deputy General Counsel of Manulife
Financial Corporation (included in Exhibit&nbsp;5.1).</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">23.2
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Consent of Ernst &#038; Young LLP, Independent Auditors.</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">24.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Power of Attorney (incorporated by reference to Exhibit&nbsp;24.1 of the Registrant&#146;s
Registration Statement on Form&nbsp;F-4, filed with the SEC on November&nbsp;6, 2003 (Registration
No.&nbsp;333-110281)).</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">99.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">John Hancock Financial Services,
Inc. 1999 Long-Term Stock Incentive Plan, as amended.</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">99.2
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">John Hancock Financial Services,
Inc. Non-Employee Directors&#146; Long-Term Stock Incentive Plan.</TD>
</TR>


<!-- End Table Body -->
</TABLE>
</DIV>


<!-- link2 "ITEM 9. UNDERTAKINGS" -->
<DIV align="left"><A NAME="011"></A></DIV>

<P align="left" style="font-size: 10pt">ITEM 9. UNDERTAKINGS


<P align="left" style="font-size: 10pt">(a)&nbsp;The undersigned Registrant hereby undertakes:


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1)&nbsp;To file, during any period in which offers or sales are being made, a
post-effective amendment to this Registration Statement:



<P align="left" style="margin-left:3%; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) To include any prospectus required by Section&nbsp;10(a)(3) of the
Securities Act;



<P align="left" style="margin-left:3%; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) To reflect in the prospectus any facts or events arising after
the effective date of this Registration Statement (or the most recent
post-effective amendment thereof) which, individually or in the
aggregate, represent a fundamental change in the information set forth in
this Registration Statement. Notwithstanding the foregoing, any increase
or decrease in volume of securities offered (if the total dollar value of
securities offered would not exceed that which was registered) and any
deviation from the low or high end of the estimated maximum offering
range may be reflected in the form of prospectus filed with the SEC
pursuant to Rule 424(b) if, in the aggregate, the changes in
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<P align="center" style="font-size: 10pt">6




<P align="left" style="margin-left:3%; font-size: 10pt">volume and
price represent no more than a 20&nbsp;percent change in the maximum aggregate offering price set forth
in the &#147;Calculation of Registration Fee&#148; table in the effective
registration statement; and



<P align="left" style="margin-left:3%; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) To include any material information with respect to the plan
of distribution not previously disclosed in this Registration Statement
or any material change to such information in this Registration
Statement; provided, however, that the undertakings set forth in
paragraphs (i)&nbsp;and (ii)&nbsp;above do not apply if this Registration Statement
is on Form S-3, Form S-8 or Form F-3, and the information required to be
included in a post-effective amendment by those paragraphs is contained
in periodic reports filed with or furnished to the SEC by the Registrant
pursuant to Section&nbsp;13 or 15(d) of the Exchange Act that are incorporated
by reference in this Registration Statement.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2)&nbsp;That, for the purpose of determining any liability under the
Securities Act, each such post-effective amendment shall be deemed to be a new
registration statement relating to the securities offered therein, and the
offering of such securities at that time shall be deemed to be the initial bona
fide offering thereof.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3)&nbsp;To remove from registration by means of a post-effective amendment any
of the securities being registered which remain unsold at the termination of
the offering.


<P align="left" style="font-size: 10pt">(b)&nbsp;The undersigned Registrant hereby undertakes that, for purposes of
determining any liability under the Securities Act, each filing of the
Registrant&#146;s annual report pursuant to Section 13(a) or 15(d) of the Exchange
Act (and, where applicable, each filing of an employee benefit plan&#146;s annual
report pursuant to Section 15(d) of the Exchange Act) that is incorporated by
reference in this Registration Statement shall be deemed to be a new
registration statement relating to the securities offered therein, and the
offering of such securities at that time shall be deemed to be the initial bona
fide offering thereof.


<P align="left" style="font-size: 10pt">(c)&nbsp;Insofar as indemnification for liabilities arising under the Securities Act
may be permitted to directors, officers and controlling persons of the
Registrant pursuant to the foregoing provisions, or otherwise, the Registrant
has been advised that in the opinion of the SEC such indemnification is against
public policy as expressed in the Securities Act and is, therefore,
unenforceable. In the event that a claim for indemnification against such
liabilities (other than the payment by the Registrant of expenses incurred or
paid by a director, officer or controlling person of the Registrant in the
successful defense of any action, suit or proceeding) is asserted by such
director, officer or controlling person in connection with the securities being
registered, the Registrant will, unless in the opinion of its counsel the
matter has been settled by controlling precedent, submit to a court of
appropriate jurisdiction the question whether such indemnification by it is
against public policy as expressed in the Securities Act and will be governed
by the final adjudication of such issue.

</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<P align="center" style="font-size: 10pt">&nbsp;


<!-- link1 "SIGNATURE PAGE" -->
<DIV align="left"><A NAME="012"></A></DIV>

<P align="center" style="font-size: 10pt"><B>SIGNATURE PAGE</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to the requirements of the Securities Act of 1933, the Registrant
has duly caused this Registration Statement to be signed on its behalf by the
undersigned, thereunto duly authorized, in the City of Toronto, Province of
Ontario, Canada, on April&nbsp;28, 2004.

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">

<!-- Begin Table Head --><TR valign="bottom">
    <TD width="48%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="46%">&nbsp;</TD>
</TR>

<!-- End Table Head -->

<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" valign="top" align="left">MANULIFE FINANCIAL CORPORATION</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">By:
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">/s/ Richard A. Lococo</TD>
</TR>

<TR style="font-size: 1px">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><HR size="1" noshade>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Name:
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Richard A. Lococo</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Title:
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Vice President and Deputy General Counsel</TD>
</TR>


<!-- End Table Body -->
</TABLE>
</DIV>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to the requirements of the Securities Act of 1933, the Registrant
certifies that it has reasonable grounds to believe that it meets all of the
requirements for filing on Form S-8 and has duly caused this Registration
Statement to be signed on its behalf by the undersigned, thereunto duly
authorized, in the City of Toronto, Province of Ontario, Canada, on April&nbsp;28,
2004.

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">

<!-- Begin Table Head --><TR valign="bottom">
    <TD width="40%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="32%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="18%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="center"><B>Signature</B><HR size="1" noshade></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center"><B>Title</B><HR size="1" noshade></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center"><B>Date</B><HR size="1" noshade></TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left"><B>&nbsp;</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center"><B>&nbsp;</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center"><B>&nbsp;</B></TD>
</TR>


<!-- End Table Head -->

<!-- Begin Table Body -->
<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="margin-left:0px; text-indent:-0px">*<br><HR size="1" noshade>
Dominic D. D&#146;Alessandro
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">President and Chief
Executive Officer and
Director (principal
executive officer)
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">April&nbsp;28, 2004</TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="margin-left:0px; text-indent:-0px">*<br><HR size="1" noshade>
Peter H. Rubenovitch
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Executive Vice
President and Chief
Financial Officer
(principal financial
and principal
accounting officer)
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">April&nbsp;28, 2004</TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="margin-left:0px; text-indent:-0px">*<br><HR size="1" noshade>
Arthur R. Sawchuk
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Chairman and Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">April&nbsp;28, 2004</TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="margin-left:0px; text-indent:-0px">*<br><HR size="1" noshade>
Kevin E. Benson
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">April&nbsp;28, 2004</TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="margin-left:0px; text-indent:-0px">*<br><HR size="1" noshade>
John M. Cassaday
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">April&nbsp;28, 2004</TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="margin-left:0px; text-indent:-0px">*<br><HR size="1" noshade>
Lino J. Celeste
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">April&nbsp;28, 2004</TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="margin-left:0px; text-indent:-0px">*<br><HR size="1" noshade>
Gail C.A. Cook-Bennett
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">April&nbsp;28, 2004</TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="margin-left:0px; text-indent:-0px">*<br><HR size="1" noshade>
Robert E. Dineen, Jr.
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">April&nbsp;28, 2004</TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="margin-left:0px; text-indent:-0px">*<br><HR size="1" noshade>
Pierre Y. Ducros
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">April&nbsp;28, 2004</TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="margin-left:0px; text-indent:-0px">*<br><HR size="1" noshade>
Allister P. Graham
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">April&nbsp;28, 2004</TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="margin-left:0px; text-indent:-0px">*<br><HR size="1" noshade>
Thomas E. Kierans
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">April&nbsp;28, 2004</TD>
</TR>


<!-- End Table Body -->
</TABLE>
</DIV>


</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<P align="center" style="font-size: 10pt">&nbsp;
<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">

<!-- Begin Table Head --><TR valign="bottom">
    <TD width="40%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="32%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="18%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="center"><B>Signature</B><HR size="1" noshade></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center"><B>Title</B><HR size="1" noshade></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center"><B>Date</B><HR size="1" noshade></TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left"><B>&nbsp;</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center"><B>&nbsp;</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center"><B>&nbsp;</B></TD>
</TR>


<!-- End Table Head -->

<!-- Begin Table Body -->
<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="margin-left:0px; text-indent:-0px">*<br><HR size="1" noshade>
Lorna A. Marsden
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">April&nbsp;28, 2004</TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="margin-left:0px; text-indent:-0px">*<br><HR size="1" noshade>
Hugh W. Sloan, Jr.
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">April&nbsp;28, 2004</TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="margin-left:0px; text-indent:-0px">*<br><HR size="1" noshade>
Gordon G. Thiessen
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">April&nbsp;28, 2004</TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="margin-left:0px; text-indent:-0px">*<br><HR size="1" noshade>
Michael H. Wilson
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">April&nbsp;28, 2004</TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD align="left" valign="top"><DIV style="margin-left:0px; text-indent:-0px">* By:
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">April&nbsp;28, 2004</TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="margin-left:0px; text-indent:-0px">/s/ Richard A. Lococo</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="margin-left:0px; text-indent:-0px"><HR size="1" noshade width="70%"></DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="margin-left:0px; text-indent:-0px">Richard A. Lococo</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="margin-left:0px; text-indent:-0px">Attorney-in-Fact</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>


<!-- End Table Body -->
</TABLE>
</DIV>



<P align="left" style="font-size: 10pt">Authorized Representative in the
United States:

<DIV align="left">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="42%">

<!-- Begin Table Head --><TR valign="bottom">
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="98%">&nbsp;</TD>
</TR>

<!-- End Table Head -->

<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">By:
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">/s/ James D. Gallagher</TD>
</TR>

<TR style="font-size: 1px">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><HR size="1" noshade>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD colspan="3" valign="top" align="left">Name: James D. Gallagher</TD>
</TR>
<TR valign="bottom">
    <TD colspan="3" valign="top" align="left">Title: Vice President, Chief
Legal Officer and Government
Relations, U.S. Operations of
Manulife Financial Corporation</TD>
</TR>


<!-- End Table Body -->
</TABLE>
</DIV>



<P align="left" style="font-size: 10pt">Date: April&nbsp;28, 2004


</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<P align="center" style="font-size: 10pt">&nbsp;


<!-- link1 "EXHIBIT INDEX" -->
<DIV align="left"><A NAME="013"></A></DIV>

<P align="center" style="font-size: 10pt"><B>EXHIBIT INDEX</B>


<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">

<!-- Begin Table Head --><TR valign="bottom">
    <TD width="6%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="90%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left"><B>Exhibit</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center"><B>&nbsp;</B></TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left"><B>Number</B><HR size="1" noshade></TD>
    <TD>&nbsp;</TD>

<TD nowrap align="left"><DIV style="margin-left:0px; text-indent:255px"><B>Description
of
Exhibit</B></DIV><HR size="1" noshade></TD>
</TR>


<!-- End Table Head -->

<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">4.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Manulife Financial Corporation Letters Patent of Incorporation and Order to Commence and
Carry on Business (incorporated by reference to Exhibit&nbsp;4.1 of the Registrant&#146;s
Registration Statement on Form&nbsp;F-4, filed with the SEC on November&nbsp;6, 2003 (Registration
No.&nbsp;333-110281)).</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">4.2
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Manulife Financial Corporation General By-Laws No.&nbsp;1 and No.&nbsp;2 (incorporated by reference
to Exhibit&nbsp;4.2 of the Registrant&#146;s Registration Statement on Form&nbsp;F-4, filed with the SEC
on November&nbsp;6, 2003 (Registration No.&nbsp;333-10281)).</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">5.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Opinion of Richard A. Lococo, Vice President and Deputy General Counsel of Manulife
Financial Corporation, as to the validity of the shares of Common Shares to which this
Registration Statement relates.</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">23.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Consent of Richard A. Lococo, Vice President and Deputy General Counsel of Manulife
Financial Corporation (included in Exhibit&nbsp;5.1).</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">23.2
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Consent of Ernst &#038; Young LLP, Independent Auditors.</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">24.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Power of Attorney (incorporated by reference to Exhibit&nbsp;24.1 of the Registrant&#146;s
Registration Statement on Form&nbsp;F-4, filed with the SEC on November&nbsp;6, 2003 (Registration
No.&nbsp;333-110281)).</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">99.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">John Hancock Financial Services,
Inc. 1999 Long-Term Stock Incentive Plan, as amended.</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">99.2
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">John Hancock Financial Services,
Inc. Non-Employee Directors&#146; Long-Term Stock Incentive Plan.</TD>
</TR>


<!-- End Table Body -->
</TABLE>
</DIV>



</DIV>

</BODY>
</HTML>
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S-8
Table of Contents
Registration Statement No. 333-
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM S-8
REGISTRATION STATEMENT
UNDER
THE SECURITIES ACT OF 1933
MANULIFE FINANCIAL CORPORATION
(Exact Name of Registrant as Specified in Its Charter)
Canada
Not Applicable
(State or other jurisdiction of
incorporation or organization)
(I.R.S. employer
identification number)
200 Bloor Street East, Toronto
Ontario, Canada, M4W 1E5
(Address of principal executive offices)
JOHN HANCOCK FINANCIAL
SERVICES, INC. 1999 LONG-TERM STOCK INCENTIVE PLAN, AS
AMENDED
JOHN HANCOCK FINANCIAL SERVICES, INC. NON-EMPLOYEE DIRECTORS' LONG-TERM
STOCK INCENTIVE PLAN
(Full title of the plan)
James Gallagher, Esq.
Manulife Financial Corporation
73 Tremont Street, Suite 1300
Boston, Massachusetts 02108-3915
(Name and address of agent for service)
(617) 854-8614
(Telephone number, including area code, of agent for service)
Copy to:
General Counsel's Office
200 Bloor Street East, Toronto
Ontario, Canada, M4W 1E5
CALCULATION OF REGISTRATION FEE
Proposed Maximum
Proposed Maximum
Amount to
Offering Price per
Aggregate Offering
Amount of
Title of Securities to be
Registered
be Registered
(1)
Unit
(2)
Price
(2)
Registration Fee
Common Shares, no par value
22,752,839
$
30.74
$
699,422,271
$
88,617
(3)
(1) This Registration Statement registers the issuance of 22,752,839 shares of
common stock of Manulife Financial Corporation (the "Registrant"), no par value
(the "Common Shares"). Such number of shares represents the aggregate number
of shares that may be issued upon exercise of options, which have been granted
under the plans listed above (collectively, the "Plans"). The maximum number
of shares that may be issued in connection with the exercise of options under
the Plans is subject to adjustment in accordance with certain anti-dilution and
other provisions of such Plans. Accordingly, pursuant to Rule 416 under the
Securities Act of 1933, as amended (the "Securities Act"), this Registration
Statement covers, in addition to the number of shares stated above, an
indeterminate number of shares which may be subject to grant or otherwise
issuable after the operation of any such anti-dilution and other provisions.
(2) Estimated solely for the purpose of calculating the registration fee
pursuant to the provisions of Rule 457(c) and (h) of the Securities Act, based
upon the weighted average exercise price per share ($30.74) for 22,752,839
shares subject to outstanding options previously granted.
(3) The total filing fee
for Common Shares registered herein of $88,617 is
offset pursuant to Rule 457(p) of the Securities Act by filing fees previously
paid with respect to unsold shares registered pursuant to a registration
statement on Form S-8 filed by John Hancock Financial Services, Inc., a
wholly-owned subsidiary of the Registrant, on May 18, 2001 for
the John Hancock Financial Services, Inc. 1999 Long-Term Stock
Incentive Plan, as amended, and the John Hancock
Non-Employee Directors' Long-Term Stock Incentive Plan (Registration No. 333-61206).
2
TABLE OF CONTENTS
EXPLANATORY NOTE
PART I
INFORMATION REQUIRED IN THE SECTION 10(A) PROSPECTUS
ITEM 1. PLAN INFORMATION
ITEM 2. REGISTRANT INFORMATION AND EMPLOYEE PLAN ANNUAL INFORMATION
PART II
INFORMATION REQUIRED IN THE REGISTRATION STATEMENT
ITEM 3. INCORPORATION OF DOCUMENTS BY REFERENCE
ITEM 4. DESCRIPTION OF SECURITIES
ITEM 5. INTERESTS OF NAMED EXPERTS AND COUNSEL
ITEM 6. INDEMNIFICATION OF DIRECTORS AND OFFICERS
ITEM 7. EXEMPTION FROM REGISTRATION CLAIMED
ITEM 8. EXHIBITS
ITEM 9. UNDERTAKINGS
SIGNATURE PAGE
EXHIBIT INDEX
OPINION OF RICHARD A. LOCOCO
CONSENT OF ERNST & YOUNG, LLP
1999 LONG-TERM STOCK INCENTIVE PLAN
OUTSIDE DIRECTORS' LONG-TERM STOCK INCENTIVE PLAN
Table of Contents
EXPLANATORY NOTE
Pursuant to the terms of the Agreement and Plan of Merger dated as of
September 28, 2003, as amended by the First Amendment to Agreement and Plan of
Merger, dated as of December 29, 2003 (the "Merger Agreement"), on April 28,
2004, Jupiter Merger Corporation, a direct wholly-owned subsidiary of the
Registrant, merged with and into John Hancock Financial Services, Inc. ("John
Hancock"), which is now a direct wholly-owned subsidiary of the Registrant (the
"Merger").
Pursuant to the Merger Agreement, the Registrant assumed the obligations
of John Hancock under the John Hancock 1999 Long-Term Stock Incentive Plan and the John Hancock Non-Employee Directors' Long-Term Stock Incentive
Plan, as amended (the "Plans"). Shares issuable under the Plans were
originally registered by John Hancock on Forms S-8, Registration Nos. 333-30718
and 333-61206, respectively. The number of shares subject to outstanding
options under the Plans as of the closing of the Merger has been recalculated
pursuant to the exchange ratio set forth in the Merger Agreement. The
weighted average exercise price has been calculated by dividing the weighted
average exercise price per share of John Hancock common stock subject to
options outstanding immediately prior to the closing of the Merger by the
exchange ratio set forth in the Merger Agreement.
This Registration Statement relates to the Common Shares of the
Registrant issuable pursuant to the Plans based on the exchange ratio of 1.1853
Common Shares per share of John Hancock Common Stock as follows:
•
22,438,734 common shares subject to outstanding options
granted under the John Hancock Financial Services, Inc. 1999
Long-Term Stock Incentive Plan, as amended; and
•
314,105 common shares subject to outstanding options granted
under the John Hancock Financial Services, Inc. Non-Employee
Directors' Long-Term Stock Incentive Plan.
Table of Contents
3
PART I
INFORMATION REQUIRED IN THE SECTION 10(A) PROSPECTUS
ITEM 1. PLAN INFORMATION
Not filed as part of this Registration Statement pursuant to Note to Part I of Form S-8.
ITEM 2. REGISTRANT INFORMATION AND EMPLOYEE PLAN ANNUAL INFORMATION
Not filed as part of this Registration Statement pursuant to Note to Part
I of Form S-8.
PART II
INFORMATION REQUIRED IN THE REGISTRATION STATEMENT
ITEM 3. INCORPORATION OF DOCUMENTS BY REFERENCE
The following documents previously filed by the Registrant with the
Securities and Exchange Commission (the "SEC") pursuant to the Securities
Exchange Act of 1934, as amended (the "Exchange Act") are hereby incorporated
by reference in this Registration Statement:
(1) The Registrant's Annual Report on Form 40-F for the fiscal year ended
December 31, 2003, filed with the SEC on April 1, 2004;
(3) The Registrant's Current Reports on Form 6-K, filed with the SEC on
each of February 5, 2004, April 1, 2004 and April 28, 2004; and
(4) The Registrant's Registration Statement on Form 8-A12B (File No.
001-14942), filed with the SEC on August 20, 1999, and the description of the
Registrant's Common Shares, as contained in Amendment No. 2 to the Registrant's
Registration Statement on Form F-10 (File No. 333-10380), filed with the SEC on
September 25, 1999.
In addition, all documents filed by the Registrant pursuant to Section
13(a), 13(c), 14 or 15(d) of the Exchange Act subsequent to the date of this
Registration Statement and prior to the filing of a post-effective amendment
which indicates that all securities offered have been sold or which deregisters
all securities then remaining unsold, shall be deemed to be incorporated by
reference into this Registration Statement and to be a part hereof from the
date of filing of such documents. Any statement contained in a document
incorporated or deemed to be incorporated by reference herein shall be deemed
to be modified or superseded for purposes of this Registration Statement to the
extent that a statement contained herein or in any subsequently filed document
which also is incorporated or deemed to be incorporated by reference herein
modifies or supersedes such statement. Any such statement so modified or
superseded shall not be deemed, except as so modified or superseded, to
constitute a part of this Registration Statement.
ITEM 4. DESCRIPTION OF SECURITIES
Not applicable.
ITEM 5. INTERESTS OF NAMED EXPERTS AND COUNSEL
Not applicable.
Table of Contents
4
ITEM 6. INDEMNIFICATION OF DIRECTORS AND OFFICERS
The Registrant is governed by the Insurance Companies Act (Canada) (the
"ICA"). Under the ICA, a company may not, by contract, resolution or by-law,
limit the liability of its directors for breaches of their fiduciary duties.
However, the company may indemnify a director or officer, a former director or
officer or a person who acts or acted at the company's request as a director or
officer of an entity of which the company is or was a shareholder or creditor,
and his or her heirs and legal representatives, against all costs, charges and
expenses, including an amount paid to settle an action or satisfy a judgment,
reasonably incurred by him or her because of any civil, criminal or
administrative action or proceeding to which he or she is made a party by
reason of being or having been a director or officer of the company or the
entity, if:
(1) that person acted honestly and in good faith with a view to the best
interests of the
company; and
(2) in the case of a criminal or administrative action or proceeding that
is enforced by a
monetary penalty, that person had reasonable grounds for believing that
his or her impugned
conduct was lawful.
These individuals are entitled to indemnity from the company if the person
was substantially successful on the merits of his or her defense of the action
or proceeding and fulfilled the conditions set out in (1) and (2) above. A
company may, with the approval of a court, also indemnify that person regarding
an action by or on behalf of the company or entity to procure a judgment in its
favor, to which the person is made a party by reason of being or having been a
director or officer of the company or entity, if he or she fulfills the
conditions set out in (1) and (2) above.
Pursuant to the Registrant's by-laws, the directors and senior executive
officers have by resolution provided that the Registrant will have no
obligation to indemnify any person for:
•
any acts committed with actual dishonest, fraudulent, criminal or malicious intent;
•
any act of gross negligence or willful neglect;
•
any claims relating to liabilities of other persons
assumed by any person entitled to indemnification;
•
any claims relating to enterprises owned, operated,
managed or controlled by any person entitled to indemnification;
•
any claims relating to pension plans sponsored by any person entitled to indemnification;
•
bodily injury, sickness or disease of any person;
•
injury to or destruction of any tangible property; and
•
any actions that were in breach of compliance with the Registrant's policy.
In addition, the directors and senior executive officers of the Registrant
are insured under officers' and directors' liability insurance policies
purchased by the Registrant.
ITEM 7. EXEMPTION FROM REGISTRATION CLAIMED
Not applicable.
ITEM 8. EXHIBITS
The following exhibits are filed or incorporated by reference as part of
this Registration Statement:
Table of Contents
5
Exhibit
Number
Description of Exhibit
4.1
Manulife Financial Corporation Letters Patent of Incorporation and Order to Commence and
Carry on Business (incorporated by reference to Exhibit 4.1 of the Registrant's
Registration Statement on Form F-4, filed with the SEC on November 6, 2003 (Registration
No. 333-110281)).
4.2
Manulife Financial Corporation General By-Laws No. 1 and No. 2 (incorporated by reference
to Exhibit 4.2 of the Registrant's Registration Statement on Form F-4, filed with the SEC
on November 6, 2003 (Registration No. 333-10281)).
5.1
Opinion of Richard A. Lococo, Vice President and Deputy General Counsel of Manulife
Financial Corporation, as to the validity of the shares of Common Shares to which this
Registration Statement relates.
23.1
Consent of Richard A. Lococo, Vice President and Deputy General Counsel of Manulife
Financial Corporation (included in Exhibit 5.1).
23.2
Consent of Ernst & Young LLP, Independent Auditors.
24.1
Power of Attorney (incorporated by reference to Exhibit 24.1 of the Registrant's
Registration Statement on Form F-4, filed with the SEC on November 6, 2003 (Registration
No. 333-110281)).
99.1
John Hancock Financial Services,
Inc. 1999 Long-Term Stock Incentive Plan, as amended.
99.2
John Hancock Financial Services,
Inc. Non-Employee Directors' Long-Term Stock Incentive Plan.
ITEM 9. UNDERTAKINGS
(a) The undersigned Registrant hereby undertakes:
(1) To file, during any period in which offers or sales are being made, a
post-effective amendment to this Registration Statement:
(i) To include any prospectus required by Section 10(a)(3) of the
Securities Act;
(ii) To reflect in the prospectus any facts or events arising after
the effective date of this Registration Statement (or the most recent
post-effective amendment thereof) which, individually or in the
aggregate, represent a fundamental change in the information set forth in
this Registration Statement. Notwithstanding the foregoing, any increase
or decrease in volume of securities offered (if the total dollar value of
securities offered would not exceed that which was registered) and any
deviation from the low or high end of the estimated maximum offering
range may be reflected in the form of prospectus filed with the SEC
pursuant to Rule 424(b) if, in the aggregate, the changes in
Table of Contents
6
volume and
price represent no more than a 20 percent change in the maximum aggregate offering price set forth
in the "Calculation of Registration Fee" table in the effective
registration statement; and
(iii) To include any material information with respect to the plan
of distribution not previously disclosed in this Registration Statement
or any material change to such information in this Registration
Statement; provided, however, that the undertakings set forth in
paragraphs (i) and (ii) above do not apply if this Registration Statement
is on Form S-3, Form S-8 or Form F-3, and the information required to be
included in a post-effective amendment by those paragraphs is contained
in periodic reports filed with or furnished to the SEC by the Registrant
pursuant to Section 13 or 15(d) of the Exchange Act that are incorporated
by reference in this Registration Statement.
(2) That, for the purpose of determining any liability under the
Securities Act, each such post-effective amendment shall be deemed to be a new
registration statement relating to the securities offered therein, and the
offering of such securities at that time shall be deemed to be the initial bona
fide offering thereof.
(3) To remove from registration by means of a post-effective amendment any
of the securities being registered which remain unsold at the termination of
the offering.
(b) The undersigned Registrant hereby undertakes that, for purposes of
determining any liability under the Securities Act, each filing of the
Registrant's annual report pursuant to Section 13(a) or 15(d) of the Exchange
Act (and, where applicable, each filing of an employee benefit plan's annual
report pursuant to Section 15(d) of the Exchange Act) that is incorporated by
reference in this Registration Statement shall be deemed to be a new
registration statement relating to the securities offered therein, and the
offering of such securities at that time shall be deemed to be the initial bona
fide offering thereof.
(c) Insofar as indemnification for liabilities arising under the Securities Act
may be permitted to directors, officers and controlling persons of the
Registrant pursuant to the foregoing provisions, or otherwise, the Registrant
has been advised that in the opinion of the SEC such indemnification is against
public policy as expressed in the Securities Act and is, therefore,
unenforceable. In the event that a claim for indemnification against such
liabilities (other than the payment by the Registrant of expenses incurred or
paid by a director, officer or controlling person of the Registrant in the
successful defense of any action, suit or proceeding) is asserted by such
director, officer or controlling person in connection with the securities being
registered, the Registrant will, unless in the opinion of its counsel the
matter has been settled by controlling precedent, submit to a court of
appropriate jurisdiction the question whether such indemnification by it is
against public policy as expressed in the Securities Act and will be governed
by the final adjudication of such issue.
Table of Contents
SIGNATURE PAGE
Pursuant to the requirements of the Securities Act of 1933, the Registrant
has duly caused this Registration Statement to be signed on its behalf by the
undersigned, thereunto duly authorized, in the City of Toronto, Province of
Ontario, Canada, on April 28, 2004.
MANULIFE FINANCIAL CORPORATION
By:
/s/ Richard A. Lococo
Name:
Richard A. Lococo
Title:
Vice President and Deputy General Counsel
Pursuant to the requirements of the Securities Act of 1933, the Registrant
certifies that it has reasonable grounds to believe that it meets all of the
requirements for filing on Form S-8 and has duly caused this Registration
Statement to be signed on its behalf by the undersigned, thereunto duly
authorized, in the City of Toronto, Province of Ontario, Canada, on April 28,
2004.
Signature
Title
Date
*
Dominic D. D'Alessandro
President and Chief
Executive Officer and
Director (principal
executive officer)
April 28, 2004
*
Peter H. Rubenovitch
Executive Vice
President and Chief
Financial Officer
(principal financial
and principal
accounting officer)
April 28, 2004
*
Arthur R. Sawchuk
Chairman and Director
April 28, 2004
*
Kevin E. Benson
Director
April 28, 2004
*
John M. Cassaday
Director
April 28, 2004
*
Lino J. Celeste
Director
April 28, 2004
*
Gail C.A. Cook-Bennett
Director
April 28, 2004
*
Robert E. Dineen, Jr.
Director
April 28, 2004
*
Pierre Y. Ducros
Director
April 28, 2004
*
Allister P. Graham
Director
April 28, 2004
*
Thomas E. Kierans
Director
April 28, 2004
Table of Contents
Signature
Title
Date
*
Lorna A. Marsden
Director
April 28, 2004
*
Hugh W. Sloan, Jr.
Director
April 28, 2004
*
Gordon G. Thiessen
Director
April 28, 2004
*
Michael H. Wilson
Director
April 28, 2004
* By:
April 28, 2004
/s/ Richard A. Lococo
Richard A. Lococo
Attorney-in-Fact
Authorized Representative in the
United States:
By:
/s/ James D. Gallagher
Name: James D. Gallagher
Title: Vice President, Chief
Legal Officer and Government
Relations, U.S. Operations of
Manulife Financial Corporation
Date: April 28, 2004
Table of Contents
EXHIBIT INDEX
Exhibit
Number
Description
of
Exhibit
4.1
Manulife Financial Corporation Letters Patent of Incorporation and Order to Commence and
Carry on Business (incorporated by reference to Exhibit 4.1 of the Registrant's
Registration Statement on Form F-4, filed with the SEC on November 6, 2003 (Registration
No. 333-110281)).
4.2
Manulife Financial Corporation General By-Laws No. 1 and No. 2 (incorporated by reference
to Exhibit 4.2 of the Registrant's Registration Statement on Form F-4, filed with the SEC
on November 6, 2003 (Registration No. 333-10281)).
5.1
Opinion of Richard A. Lococo, Vice President and Deputy General Counsel of Manulife
Financial Corporation, as to the validity of the shares of Common Shares to which this
Registration Statement relates.
23.1
Consent of Richard A. Lococo, Vice President and Deputy General Counsel of Manulife
Financial Corporation (included in Exhibit 5.1).
23.2
Consent of Ernst & Young LLP, Independent Auditors.
24.1
Power of Attorney (incorporated by reference to Exhibit 24.1 of the Registrant's
Registration Statement on Form F-4, filed with the SEC on November 6, 2003 (Registration
No. 333-110281)).
99.1
John Hancock Financial Services,
Inc. 1999 Long-Term Stock Incentive Plan, as amended.
99.2
John Hancock Financial Services,
Inc. Non-Employee Directors' Long-Term Stock Incentive Plan.