Welcome to Manulife Financial Corporation Credit Ratings
	Rating agencies each assign financial strength, claims paying ability or credit ratings to The Manufacturers Life Insurance Company, its subsidiaries and its securities. All of these ratings are within each rating agency's highest ranges of categories, thereby recognizing the Company as among the strongest in the life insurance industry.	Printer Friendly Version
	Financial Strength/Claims Paying Ability Ratings Senior Unsecured Debt Ratings Subordinated Debt Ratings Commercial Paper Ratings Manulife Financial Capital Securities (MaCS) Ratings Preferred Share Ratings Term Deposit Notes Short Term Deposit Notes Financial Strength/Claims Paying Ability Ratings - Standard & Poor's Moody's A.M. Best Fitch DBRS The Manufacturers Life Insurance Company AA+ Aa3 A+ AA IC-1 John Hancock Life Insurance Company (U.S.A.) AA+ Aa3 A+ AA   John Hancock Life Insurance Company of New York AA+ Aa3 A+ AA   Manulife (International) Limited AA+         John Hancock Life Insurance Company AA+ Aa3 A+ AA   John Hancock Variable Life Insurance Company AA+ Aa3 A+ AA   John Hancock Life & Health Insurance Co. AA+ Aa3 A+ AA   Manulife Life Insurance Company AA+         Senior Unsecured Debt Ratings - Standard & Poor's Moody's A.M. Best Fitch DBRS John Hancock Financial Services, Inc. AA- A3 a A+ AA John Hancock Life Insurance Company AA+ A1 aa- John Hancock Global Funding AA+ Aa3 aa AA Manulife Finance L.P. AA- aa- A Manulife Financial Corp. AA- a A AAL Subordinated Debt Ratings - Standard & Poor's Moody's A.M. Best Fitch DBRS The Manufacturers Life Insurance Company AA a+ A AA(low) John Hancock Life Insurance Company AA- A3 a+ A+ Manulife Finance L.P. A+ a- A- Commercial Paper Ratings - Standard & Poor's Moody's A.M. Best Fitch DBRS The Manufacturers Life Insurance Company     R-1 (middle) John Hancock Financial Services, Inc. A-1+ Prime-2 F1 Manulife Financial Capital Securities (MaCS) Ratings - Standard & Poor's Moody's A.M. Best Fitch DBRS Manulife Financial Capital Trust AA-   a A+ A(high)yn Manulife Financial Capital Trust II- Series 1 AA- A(high) Preferred Share Ratings - Standard & Poor's Moody's A.M. Best Fitch DBRS Manulife Financial Corporation A or P-1(Low)   bbb+ A- Pfd-1 (low)n Term Deposit Notes - Standard & Poor's Moody's A.M. Best Fitch DBRS Manulife Bank of Canada AA- AA Short Term Deposit Notes - Standard & Poor's Moody's A.M. Best Fitch DBRS Manulife Bank of Canada A-1+ R-1 (middle)