Rates Hardening June 2005 December 2005 June 2006 $25 billion ...

manulife

Rates Hardening June 2005 December 2005 June 2006 $25 billion ...

5

Reinsurance

Business Model

� Wholesaler – low expense to net income ratio

� Will not chase business volumes

� Opportunistically capitalize on businesses where we

have expertise and fits MFC risk tolerance

� Benefit from being a strong counterparty

� Not many direct competitors

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