Incorporated in the Philippines on April 26, 1999, Manulife Financial Corporation (MFC) provides financial protection and wealth management products and services to both individual and group customers in the United States, Canada, and Asia. These products and services include individual life insurance, group life and health insurance, long-term care insurance, pension products, annuities and mutual funds. The company also provides investment management services with respect to its general fund assets, segregated fund assets, mutual funds, and to institutional customers. MFC also offers reinsurance services, specializing in life retrocession and property and casualty reinsurance. As of December 31, 2008, MFC operated in 19 countries and territories worldwide. The company's business is organized into four operating divisions: the U.S. division, Canadian division, Asia and Japan division, and reinsurance division. In addition, asset management services are provided by MFC's investment division, operating as MFC Global Investment Management. Source: SEC Form 17-A (2008)