Plan Design System Coder
About the job
- Strong knowledge of Group Benefits plan structures and Client Group Options.
- Understanding of the downstream impacts of system coding decisions, including impacts to claims processing and plan administration.
- Configure routine and complex new plans and amendments within applicable Group Benefits administrative and claims systems based on approved plan documentation.
- Accurately translate plan design requirements into the appropriate system coding and configuration.
- Review system-generated reports and outputs to confirm changes have been implemented accurately.
- Interpret policy applications and amendment requirements to determine the appropriate system configuration and identify potential claims or downstream impacts.
- Determine whether plan requirements can be accommodated within existing system functionality and escalate exceptions or concerns when required.
- Create or maintain special system notes when plan requirements cannot be adequately represented through standard system fields.
- Manage multiple new plan setups, amendments, inquiries and rush requests while meeting established service and quality targets.
- Respond to questions regarding system configuration, plan coding and ongoing administration.
- Request and/or create custom dental and health packages and benefit codes when required.
- Identify opportunities to improve coding accuracy, efficiency and processes through continuous improvement practices.
- Maintain a high level of accuracy and attention to detail, recognizing that system configuration directly impacts plan administration, member experience and claims processing.
- Strong understanding of applicable administrative and claims systems.
- Ability to interpret policy applications, amendments, plan provisions and supporting documentation and translate requirements into accurate system configuration.
- Ability to identify inconsistencies or missing information and determine when clarification is required before coding.
- Strong analytical, problem-solving and decision-making skills.
- Excellent attention to detail with a strong focus on accuracy and quality.
- Ability to manage multiple priorities and meet established service standards.
- Strong written and verbal communication skills.
- Ability to work collaboratively with Plan Design, implementation partners and other operational areas.
- Ability to adapt to system, process and product changes.
The primary role of the Plan Design System Coder is to accurately configure and maintain Group Benefits plan information within applicable administrative and claims systems. The role translates plan design requirements from policy applications and amendments into system coding, ensuring plan structures, benefits, provisions and related information are accurately reflected within the administrative systems.
The role is also responsible for validating system changes and identifying potential downstream impacts to support accurate claims processing and ongoing plan administration.
Position Responsibilities:
- Configure routine and complex new plans and amendments within applicable Group Benefits administrative and claims systems based on approved plan documentation.
- Accurately translate plan design requirements into the appropriate system coding and configuration.
- Review system-generated reports and outputs to confirm changes have been implemented accurately.
- Interpret policy applications and amendment requirements to determine the appropriate system configuration and identify potential claims or downstream impacts.
- Determine whether plan requirements can be accommodated within existing system functionality and escalate exceptions or concerns when required.
- Create or maintain special system notes when plan requirements cannot be adequately represented through standard system fields.
- Manage multiple new plan setups, amendments, inquiries and rush requests while meeting established service and quality targets.
- Respond to questions regarding system configuration, plan coding and ongoing administration.
- Request and/or create custom dental and health packages and benefit codes when required.
- Identify opportunities to improve coding accuracy, efficiency and processes through continuous improvement practices.
- Maintain a high level of accuracy and attention to detail, recognizing that system configuration directly impacts plan administration, member experience and claims processing.
Required Qualifications:
- Strong knowledge of Group Benefits plan structures and Client Group Options.
- Understanding of the downstream impacts of system coding decisions, including impacts to claims processing and plan administration.
Preferred Qualifications:
- Strong understanding of applicable administrative and claims systems.
- Ability to interpret policy applications, amendments, plan provisions and supporting documentation and translate requirements into accurate system configuration.
- Ability to identify inconsistencies or missing information and determine when clarification is required before coding.
- Strong analytical, problem-solving and decision-making skills.
- Excellent attention to detail with a strong focus on accuracy and quality.
- Ability to manage multiple priorities and meet established service standards.
- Strong written and verbal communication skills.
- Ability to work collaboratively with Plan Design, implementation partners and other operational areas.
- Ability to adapt to system, process and product changes.
When you join our team:
- We’ll empower you to learn and grow the career you want.
- We’ll recognize and support you in a flexible environment where well-being and inclusion are more than just words.
- As part of our global team, we’ll support you in shaping the future you want to see.
#LI-HYBRID
The role being advertised is an existing vacancy.
About Manulife and John Hancock
Manulife Financial Corporation is a leading international financial services provider, helping people make their decisions easier and lives better. To learn more about us, visit https://www.manulife.com/en/about/our-story.html.
Manulife is an Equal Opportunity Employer
At Manulife/John Hancock, we embrace our diversity. We strive to attract, develop and retain a workforce that is as diverse as the customers we serve and to foster an inclusive work environment that embraces the strength of cultures and individuals. We are committed to fair recruitment, retention, advancement and compensation, and we administer all of our practices and programs without discrimination on the basis of race, ancestry, place of origin, colour, ethnic origin, citizenship, religion or religious beliefs, creed, sex (including pregnancy and pregnancy-related conditions), sexual orientation, genetic characteristics, veteran status, gender identity, gender expression, age, marital status, family status, disability, or any other ground protected by applicable law.
It is our priority to remove barriers to provide equal access to employment. A Human Resources representative will work with applicants who request a reasonable accommodation during the application process. All information shared during the accommodation request process will be stored and used in a manner that is consistent with applicable laws and Manulife/John Hancock policies. To request a reasonable accommodation in the application process, contact [email protected].
Referenced Salary Location
Waterloo, OntarioWorking Arrangement
Salary range is expected to be between
$43,875.00 CAD - $73,125.00 CADEmployees also have the opportunity to participate in incentive programs and earn incentive compensation tied to business and individual performance. The actual salary will vary depending on local market conditions, geography and relevant job-related factors such as knowledge, skills, qualifications, experience, and education/training. If you are applying for this role outside of the primary location, please contact [email protected] for the salary range for your location.
Manulife offers eligible employees a wide array of customizable benefits, including health, dental, mental health, vision, short- and long-term disability, life and AD&D insurance coverage, adoption/surrogacy and wellness benefits, and employee/family assistance plans. We also offer eligible employees various retirement savings plans (including pension and a global share ownership plan with employer matching contributions) and financial education and counseling resources. Our generous paid time off program in Canada includes holidays, vacation, personal, and sick days, and we offer the full range of statutory leaves of absence. If you are applying for this role in the U.S., please contact [email protected] for more information about U.S.-specific paid time off provisions.
We use data and analytics technologies, such as artificial intelligence (AI), and automated processing tools, to analyze and process the information you provide to us or third parties in the application process. For more information, please refer to our personal information collection statement.
About the company
Manulife Financial is a global financial services provider offering a wide range of insurance and investment solutions. It serves individuals, businesses, and institutions with products such as life and health insurance, wealth management, and retirement plans. Customers fund these products through premiums, fees for asset management, and investment income earned on invested assets. Manulife uses analytics and technology to tailor services and improve efficiency, aiming to help clients protect their finances, grow their wealth, and plan for retirement. The company differentiates itself through its large international presence in North America, Asia, and Europe, its breadth of products, and its emphasis on data-driven insights to personalize offerings. Its goal is to help customers achieve their financial goals and aspirations by providing comprehensive, paid-for financial solutions and ongoing support across multiple regions.
Company Size
10,001+
Company Stage
IPO
Headquarters
Toronto, Canada
Founded
1887
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Simplify's Take
What believers are saying
- 2Q26 core earnings rose 12% to $1.9 billion, with 16% core EPS growth.
- Manulife expanded ETFs on September 29, 2026, widening fee products for advisors.
- The Munich Re long-term-care reinsurance deal cut legacy biometric risk by 24%.
What critics are saying
- 1Q26 retail net outflows hit $5.8 billion, signaling North American distribution weakness.
- U.S. core earnings fell 4% in 1Q26 from lower investment spreads.
- A major data breach across 37 million customers would trigger regulatory sanctions and trust collapse.
What makes Manulife Financial unique
- Manulife owns insurance, wealth, and retirement engines across 25 markets, reducing concentration.
- Manulife became Canada's first ChatGPT travel-insurance quote provider on September 28, 2026.
- Manulife launched AI-backed virtual physiotherapy with Sword on September 29, 2026.
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Benefits
- Health Insurance
- Dental Insurance
- Vision Insurance
- Life Insurance
- Disability Insurance
- Mental Health Support
- Wellness Program
- 401(k) Company Match
- 401(k) Retirement Plan
- Paid Vacation
- Paid Sick Leave
- Paid Holidays
Company News
New Manulife and MIT AgeLab "Longevity Preparedness Index" Reveals what it takes to age well in Canada. Posted: October 27, 2026 * First-of-its-kind research finds Canadians score 60 out of 100 on longevity preparedness, with care, housing and health emerging as key gaps * Manulife brings its Longevity Symposium series to Canada for the first time, convening leaders across health, finance and aging to advance longevity preparedness TORONTO, ON and VANCOUVER, B.C. - Canadians are living longer[[i]], but many are not fully prepared for the realities that accompany longer lives, according to the inaugural Longevity Preparedness Index (LPI) for Canada from Manulife and the MIT AgeLab. The innovative new research[[ii]] found Canadians are only modestly prepared for longer lives, scoring just 60 out of 100 on the LPI. The findings show that aging well depends on more than finances alone, with health, housing, care, social connection and community all playing critical roles. "Canadians are entering a new era of longevity, and the findings reinforce what we've long believed at Manulife: living longer, healthier lives requires a holistic approach," said Patrick Graham, President and Chief Executive Officer, Manulife Canada. "Our health, sense of community, financial security, and plans for care all play a role in how well we age. At Manulife, we're committed to helping people navigate those important decisions to feel more prepared for whatever comes next." The results were shared today at Beyond Age, Manulife's Longevity Symposium, in Vancouver, the first Canadian event in Manulife's international longevity symposium series. Additional events will take place in Montreal and Toronto next month. Where Canadians Are Most and Least Prepared The Longevity Preparedness Index measures preparedness across eight dimensions, each evaluated on a scale of 0 to 100, along with an overall score that represents the average of the domain scores. * Community (75) - Access to services, healthcare, recreation and transportation * Social connection (69) - Relationships with family, friends and community * Finance (66) - Financial security and confidence * Daily activities (60) - Purposeful and meaningful engagement * Life transitions (60) - Ability to adapt to change * Health (55) - Physical, mental and cognitive wellbeing * Home (53) - Safe, accessible housing * Care (40) - Planning for long-term care needs and caregiving responsibilities Canadians scored highest in community and social connection, demonstrating the strength of the social and community infrastructure that supports wellbeing. However, care, home and health emerged as the areas requiring the greatest attention. "We have never had this many people living this long within the social context we have today. Longevity is still a relatively new phenomenon," said Dr. Joseph F. Coughlin, Founder and Director of MIT AgeLab. "Canadians are not unprepared because they are unwilling to plan. We are all learning how to navigate a future that previous generations never experienced. What makes the Longevity Preparedness Index so important is that it provides a roadmap. For the first time, Canadians can see the key dimensions that contribute to living 100 good years, from health and finances to caregiving, housing, social connection and purpose." Health and Finances Top Canadians' Priorities While the preparedness domains measure how ready Canadians are across key dimensions of longevity, Canadians were also asked to identify the aspects of life they consider most important today. The results reveal that what people prioritize and how prepared they are do not always align. Nearly two-thirds of Canadians identify health (67 per cent) and finances (66 per cent) among their most important priorities today. Notably, despite being Canadians' top priority, health received a preparedness score of just 55, highlighting a gap between recognizing the importance of health and taking steps to support long-term wellbeing. By contrast, finance received a preparedness score of 66. Care Is Canada's Biggest Preparedness Gap Among the domains measured, care received the lowest score at just 40 out of 100, making it the country's most significant preparedness gap. While only 11 per cent of Canadians identify future care needs and caregiving as a top priority today, more than twice as many (26 per cent) believe it will be important to their wellbeing later in life. The findings suggest Canadians recognize the importance of planning for care, but many are delaying conversations and planning until the need becomes more immediate. Home (53) and health (55) also ranked among the lowest-scoring preparedness domains, highlighting opportunities for people to better prepare for the housing, accessibility and wellbeing considerations that support independence as they age. Financial Advice Tied to Stronger Longevity Preparedness The research found people working with a financial professional scored 63 on the Longevity Preparedness Index, compared with 57 among those who have never worked with one. The advantage extended across all eight dimensions measured, including care, health, social connection, daily activities, and life transitions. "One of the most compelling findings is that Canadians who work with a financial professional report higher levels of preparedness across every aspect of life, not just finances," said Paul Lorentz, President and Chief Executive Officer, Manulife Wealth & Asset Management. "Canadians who work with a financial professional score higher across all eight domains of preparedness, and scores rise even further when advisors discuss longevity-related topics. Preparing for a longer life requires connecting the dots across financial, health and personal considerations, and advisors can play an important role in helping clients navigate that journey." Among people whose advisor discusses longevity-related topics, preparedness rose even further to 66, compared with 61 among those whose advisor does not have these conversations. Average preparedness scores were also higher among Canadians who were older, lived in urban areas, had higher levels of income and education, were retired, married or partnered, and had children. Manulife is Empowering Customer Health, Wealth & Longevity Globally The Longevity Preparedness Index was originally created by the MIT AgeLab and John Hancock in 2025. Updated U.S. findings released today show Americans also scored 60 out of 100 on the index, providing a broader view of longevity preparedness across North America. The LPI supports the work of the Manulife Longevity Institute, a global research, thought leadership, innovation, advocacy, and community investment platform that aims to advance action on helping people live longer, healthier, more financially secure lives. As a global life insurer, asset manager and retirement plan provider, Manulife is committed to helping Canadians navigate the opportunities and challenges that come with longer lives by supporting physical wellbeing and financial security. Together, these efforts reflect Manulife's strategic priority to empower customer health, wealth, and longevity by helping people build resilience for the years ahead. About Manulife Manulife Financial Corporation is a leading international financial services provider, headquartered in Toronto, Canada. Anchored in its ambition to be the number one choice for customers, Manulife Group operate as Manulife across Canada and Asia, and primarily as John Hancock in the United States, providing financial advice, insurance and health solutions for individuals, groups and businesses. Through Manulife Wealth & Asset Management, Manulife Group offer global investment solutions, financial advice, and retirement plan services to individuals, institutions, and retirement plan members worldwide. At the end of 2025, Manulife Group had more than 37,000 employees, over 106,000 agents, and thousands of distribution partners, serving over 37 million customers with operations across 25 markets globally. Manulife Group trade as 'MFC' on the Toronto, New York, and Philippine stock exchanges, and under '945' on the Hong Kong stock exchange. Not all offerings are available in all jurisdictions. For additional information, please visit manulife.com. About Manulife Longevity Institute The Manulife Longevity Institute is a global research, thought leadership, innovation, advocacy, and community investment platform to drive action that can help people live longer, healthier, and more financially secure lives. Underpinned by a $350 million signature commitment, its focus is on helping people extend their healthy years, promoting greater financial resilience for all. As a global insurer, retirement plan provider, and asset manager, Manulife is uniquely placed to help lead this change. The Institute's work will support Manulife's Impact Agenda strategy by investing in organizations that are growing the longevity economy, convening research collaborations with leading academic institutions and think tanks, and producing thought leadership to advance awareness and action on the issues impacting populations as they age. The Institute will be known as the John Hancock Longevity Institute in the United States. The actions of the Institute will be guided by a Steering Committee of members of Manulife's Executive and Global Leadership Teams and in partnership with a robust ecosystem of partners and experts who champion longevity across Canada, Asia, and the US. Media contact Emily English 647-544-2800 [ii] The LPI was conducted online in English and French, sourced through the Ipsos Knowledge Panel. The sample was a representative sample of 1,025 Canadians, aged 18 and up, with oversamples from Quebec to allow for comparison. During analysis, survey responses were weighted to mirror the composition of the Canadian population. Survey data were collected from June 3, 2026 to June 10, 2026.
Three Canadian dividend stocks yielding more than 3% stand out as inflation worries return, according to Simply Wall St. The Federal Reserve's October forecast flagged stubborn price pressures and the risk of higher rates. Sun Life Financial (TSX:SLF), valued at CA$63.1b, earns most of its revenue in Canada (CA$15.7b). Its Asia individual insurance sales reached $875 million in the quarter. Manulife Financial (TSX:MFC), valued at CA$105.4b, saw Asia core earnings and Asia APE sales both grow 21%. Bank of Nova Scotia, valued at CA$160.5b, draws most revenue from Canadian Banking (CA$11.9b) and International Banking (CA$9.6b). Its return on equity in Pacific Alliance markets tops 16%.
Manulife adds free travel eSIM to insurance benefits. Manulife Canada's partnership with Travelgoogoo brings year-long mobile connectivity to eligible travel insurance customers. But the more interesting story is how eSIM technology is becoming part of financial services, insurance and the wider travel experience. Travel insurance used to be something you bought, filed away and hoped you would never need. Mobile connectivity is different. You need it almost as soon as you land. Manulife Canada is bringing those two services together. Manulife Canada has partnered with Singapore-based Travelgoogoo to offer eligible travel insurance customers a complimentary one-year global eSIM membership covering more than 120 countries. The offer sits within Manulife Travel Advantage, the company's expanding collection of travel-related benefits. On the surface, this is a straightforward customer perk. Look closer, however, and it reflects a broader shift: travel connectivity is moving beyond dedicated eSIM stores and increasingly becoming a built-in benefit of products travellers already purchase. What Manulife customers actually get. The complimentary membership uses Travelgoogoo365, a reusable global eSIM designed to remain active across multiple international trips. According to Manulife, the package includes: * Unlimited app-based messaging through supported services, including WhatsApp, iMessage, Facebook Messenger and WeChat. * 1GB of global high-speed data for general internet use. * Always-On connectivity in more than 120 countries. * 20% off additional 4G/5G data packages purchased through Travelgoogoo. * Digital activation, without replacing a physical SIM card. * 24/7 customer support provided by Travelgoogoo. * 12 months of eSIM validity from activation, including reuse across multiple trips. Eligible policyholders receive activation instructions by email after purchasing their travel insurance. They need an eSIM-compatible device. Geoff Finnie, Head of Individual Health and Travel, Affinity, Manulife Canada, described the initiative as part of the insurer's changing role: "This launch marks another step in our evolution from a traditional insurer to a trusted travel companion." That ambition explains why connectivity fits the offering. Insurance helps when something goes wrong. Mobile data helps travellers manage everyday situations, from finding accommodation to contacting an assistance provider. Free connectivity has its limits. There is an important distinction between unlimited messaging and unlimited internet access. The included 1GB is a limited high-speed allowance, not an unlimited data plan. Video calls, navigation, social media and streaming can consume it quickly. Travelgoogoo's Always-On model is potentially more interesting. Its standalone Travelgoogoo365 membership advertises continued access to supported messaging services even without an additional data package. That could prove valuable when a traveller has exhausted their regular allowance but still needs to contact family or arrange transportation. However, travellers should confirm which messaging functions remain available, whether media sharing and calls have restrictions, and how performance varies by destination. Manulife has not provided detailed network-partner information or destination-specific performance guarantees in its announcement. For travellers working remotely, uploading large files or relying heavily on video calls, a dedicated higher-data eSIM, local operator plan or suitable roaming package may still be a better choice. Why insurers are becoming eSIM distributors. This partnership also reveals something about how travel eSIM companies are expanding. Selling data directly to travellers remains important, but partnerships with businesses that already serve international customers offer another distribution route. Banks, insurers, airlines, hotels and travel platforms all have opportunities to introduce connectivity at relevant moments. Consider Revolut. Its premium financial subscriptions combine travel-related insurance and other benefits with eSIM connectivity. In Croatia, Revolut Ultra currently includes 5GB of eSIM data per month. The commercial structure differs from Manulife's insurance-linked offer, but the underlying thinking is similar: connectivity makes an existing customer relationship more useful beyond its original purpose. For Travelgoogoo, the partnership provides access to customers who may not otherwise search for its brand. For Manulife, it adds a frequently usable service to a product traditionally associated with exceptional circumstances. Richard Bok, Travelgoogoo's CEO, captured the connection: "Travel insurance and connectivity are two essentials that give people greater confidence when they travel; one provides protection when the unexpected happens; the other keeps you connected to the people, information and support you need." There is also a commercial question worth watching. Complimentary memberships can introduce customers to paid data top-ups, potentially creating ongoing revenue without requiring a separate customer acquisition campaign. Neither company has disclosed the partnership's commercial terms. More on Alertify Follow the latest eSIM news Stay updated with the latest technological developments, carrier deployments, roaming trends, device compatibility, and industry updates regarding eSIM technology. Alertify's take: The next eSIM customer may never shop for an eSIM. Manulife is not competing directly with Airalo, Holafly or Nomad. Those providers primarily sell connectivity, while Manulife is using it to strengthen an existing insurance relationship. That distinction matters. The opportunity for eSIM providers is increasingly about distribution, not simply offering another destination package at a lower price. The challenge is proving that bundled connectivity delivers genuine value. A free gigabyte may encourage activation, but predictable coverage, transparent top-up pricing and dependable messaging will determine whether travellers continue using the service. Manulife and Travelgoogoo have identified a sensible combination. What remains to be demonstrated is how useful that connection becomes in real travel conditions. The bigger industry shift is clear: eSIM is gradually becoming a feature inside other services, rather than a product travellers always purchase separately. Companies that understand this could shape the next phase of travel connectivity.
Travel protected. Stay connected. Manulife Canada introduces complimentary eSIM. Posted: October 15, 2026 New Travelgoogoo partnership helps travellers stay online in more than 120 countries. TORONTO, ON - As travellers seek seamless, connected experiences wherever they go, Manulife Canada is introducing a new travel perk designed to help them stay online abroad. Through a new partnership with Travelgoogoo, a Singapore-based travel connectivity company, eligible Manulife travel insurance customers will receive a complimentary one-year eSIM membership, helping them access mobile services in more than 120 countries as a way to help avoid costly roaming charges. This new perk is part of Manulife Travel Advantage, bringing together protection, connectivity and support to help customers travel with confidence. Mobile data access has become an essential part of travel, helping people navigate, communicate and access information while abroad. The new eSIM offering complements Manulife travel insurance coverage by providing convenient access to mobile data, enabling customers to use maps, messaging services and travel apps wherever their journey takes them. "Staying connected has become an essential part of the travel experience today, whether it's navigating a new city, keeping in touch with loved ones or accessing support when it's needed," said Geoff Finnie, Head of Individual Health and Travel, Affinity, Manulife Canada. "Through our partnership with Travelgoogoo, we're combining seamless connectivity and travel protection to help customers stay online wherever they go. This launch marks another step in our evolution from a traditional insurer to a trusted travel companion." The complimentary eSIM membership includes[[1]:] * Unlimited messaging through popular apps like WhatsApp, iMessage, Facebook Messenger and WeChat * 1 GB of global high-speed data for browsing, maps, streaming and social media * Always-On connectivity in more than 120 countries worldwide * A 20% discount through Travelgoogoo on additional 4G/5G data plans, available on the go, whenever you need more * Digital activation * 24/7 global eSIM customer support through Travelgoogoo * A year of travel-ready mobile access - the eSIM remains active for 12 months from activation, can be reused across multiple trips, and supports high-speed data top-ups as needed. Unlike traditional SIM cards, an eSIM is built directly into compatible smartphones, allowing travellers to access local mobile networks digitally without swapping physical SIM cards. The solution can help address common travel frustrations such as expensive roaming fees, searching for local SIM cards or relying solely on public Wi-Fi. Upon purchasing an eligible Manulife travel insurance policy, customers will receive an email with instructions to activate their complimentary eSIM membership through Travelgoogoo[[2]]. "Travel insurance and connectivity are two essentials that give people greater confidence when they travel; one provides protection when the unexpected happens; the other keeps you connected to the people, information and support you need," said Richard Bok, CEO of Travelgoogoo. "We're delighted to partner with Manulife Canada to provide their travel insurance customers with a complimentary Travelgoogoo global eSIM. It's a simple benefit, but a meaningful one, helping make travel easier and more connected. We're grateful for Manulife's trust, and we look forward to building on this partnership together." The complimentary eSIM is the latest addition to Manulife Travel Advantage, a growing suite of benefits, services and partnerships designed to support customers throughout their travel journey. To learn more about the products and services available through Manulife Travel Advantage, including the complimentary eSIM powered by Travelgoogoo, please visit Manulife.com. About Manulife Manulife Financial Corporation is a leading international financial services provider, headquartered in Toronto, Canada. Anchored in its ambition to be the number one choice for customers, Manulife Group operate as Manulife across Canada and Asia, and primarily as John Hancock in the United States, providing financial advice, insurance and health solutions for individuals, groups and businesses. Through Manulife Wealth & Asset Management, Manulife Group offer global investment solutions, financial advice, and retirement plan services to individuals, institutions, and retirement plan members worldwide. At the end of 2025, Manulife Group had more than 37,000 employees, over 106,000 agents, and thousands of distribution partners, serving over 37 million customers with operations across 25 markets globally. Manulife Group trade as 'MFC' on the Toronto, New York, and Philippine stock exchanges, and under '945' on the Hong Kong stock exchange. Not all offerings are available in all jurisdictions. For additional information, please visit manulife.com. About Travelgoogoo Travelgoogoo is a Singapore-based company that redefines travel connectivity with affordability, ease of use and enriched experiences. Its flagship product Travelgoogoo365 offers a global eSIM membership program that simplifies data roaming services with unlimited messaging capabilities across multiple destinations. The Travelgoogoo team believes that staying connected while traveling is essential - a fundamental need that fuels every adventure and powers every story. The company is committed to making data accessible to all travelers. Journey together with Travelgoogoo to make a difference. For more information, visit www.travelgoogoo.com. [1] Offer available only with eligible Manulife Travel Insurance policies and is subject to applicable terms, conditions, and exclusions. Additional data purchases and other charges may apply. [2] Activation is subject to device compatibility and applicable terms and conditions.
Manulife launches new Advisor AI Assistant, expanding AI-enabled underwriting support for advisors. Oct 14, 2026, 08:00 ET New AI-powered capability provides 24/7 underwriting guidance, supporting Manulife's vision for a more connected advisor experience TORONTO, Oct. 14, 2026 /CNW/ - Manulife today announced the launch of the Manulife Advisor AI Assistant(TM), a new AI-powered capability designed to help advisors access underwriting guidance 24/7. Advisors can ask questions in plain language and receive AI-generated guidance drawn from content in Manulife's underwriting advisor handbooks. The assistant helps advisors prepare for client conversations, understand potential underwriting requirements and gather information earlier in the insurance process. By helping advisors access guidance sooner, it can support clearer client conversations and better-informed expectations before an application is submitted. The first release supports life insurance, critical illness insurance, and Synergy(R) products. This launch is part of Manulife's broader effort to create a more connected advisor experience by making it easier for advisors to access the information, tools, and support they need. The assistant helps advisors access underwriting guidance earlier in the process, while MAUDE, Manulife's AI-enabled underwriting engine, supports decision-making after an application is submitted. Together, these capabilities are designed to support advisors as they move through the underwriting process and demonstrate how Manulife is applying AI to assist advisors throughout the underwriting journey. "The faster advisors can get to the information they need, the more confidently they can help clients move forward," said Karen Cutler, Chief Underwriter, Manulife Canada. "The Manulife Advisor AI Assistant puts underwriting guidance at their fingertips, making the process easier to navigate while laying the foundation for new ways we can support advisors in the future." Over time, Manulife plans to evolve the assistant beyond underwriting guidance with additional knowledge areas and capabilities that support advisors across more aspects of doing business with Manulife. The launch builds on Manulife's broader investment in AI-powered capabilities for advisors, including sales and advisor enablement tools announced earlier this year. This momentum reflects Manulife's continued investment in AI across underwriting, operations and digital experiences while maintaining strong governance and oversight. Earlier this year, Manulife was named the number one life insurer for AI maturity for a second consecutive year by Evident. The company also earned Celent Model Insurer recognition for AI leadership in underwriting. "AI is most powerful when it takes complexity out of the way and helps people do their best work," said Jamie Campbell, Head of Artificial Intelligence and Data, Canada, Manulife. "The Manulife Advisor AI Assistant does exactly that, making underwriting information easier to find so advisors can spend more time focused on their clients. It's another example of how we're applying AI in practical ways across the insurance journey." Manulife Advisor AI Assistant is designed to complement, not replace, the expertise of Manulife's underwriters and wholesalers. The tool helps advisors quickly access underwriting guidance and information, but does not make underwriting decisions or provide a binding indication of insurability, premium, coverage or application outcome. All insurance applications remain subject to Manulife's applicable underwriting requirements and evaluation. Advisors are expected to exercise professional judgment when using the assistant, as AI-generated responses may contain errors. The assistant was developed using Manulife's underwriting advisor handbooks and operates within Manulife's broader AI governance framework, which includes risk management, human oversight, privacy safeguards and ongoing monitoring. Becoming an AI-powered organization is one of Manulife's strategic priorities. Manulife expects to generate more than $1 billion[1] of enterprise value by 2027, with $300 million achieved as of year-end 2025, improving productivity and efficiency and delivering real impact for customers, colleagues and shareholders. The Manulife Advisor AI Assistant is now available through Advisor Portal. Caution regarding forward-looking statements This document contains forward-looking statements within the meaning of the "safe harbour" provisions of Canadian provincial securities laws and the U.S. Private Securities Litigation Reform Act of 1995 with respect to Manulife's use of its digital capabilities and the expected benefits it expects to realize from AI. Although we believe that the expectations reflected in such forward-looking statements are reasonable, such statements involve risks and uncertainties, and undue reliance should not be placed on such statements. Certain material factors or assumptions are applied in making forward-looking statements, and actual results may differ materially from those expressed or implied in such statements. Important factors that could cause actual results to differ materially from expectations include but are not limited to general business and economic conditions; changes in laws and regulations with respect to the use of AI-enabled tools; our ability to execute our digital plans and to deploy future digital use cases; our ability to adapt products and services to the changing market; our ability to attract and retain key employees and our ability to protect our intellectual property and exposure to claims of infringement from others. Additional information about material risk factors that could cause actual results to differ materially from expectations may be found in our most recent annual and interim reports and elsewhere in our filings with Canadian and U.S. securities regulators. The forward-looking statements in this document are, unless otherwise indicated, stated as of the date hereof. We do not undertake to update any forward-looking statements, except as required by law. About Manulife Manulife Financial Corporation is a leading international financial services provider, headquartered in Toronto, Canada. Anchored in our ambition to be the number one choice for customers, we operate as Manulife across Canada and Asia, and primarily as John Hancock in the United States, providing financial advice, insurance and health solutions for individuals, groups and businesses. Through Manulife Wealth & Asset Management, we offer global investment solutions, financial advice, and retirement plan services to individuals, institutions, and retirement plan members worldwide. At the end of 2025, we had more than 37,000 employees, over 106,000 agents, and thousands of distribution partners, serving over 37 million customers with operations across 25 markets globally. We trade as 'MFC' on the Toronto, New York, and Philippine stock exchanges, and under '945' on the Hong Kong stock exchange. Not all offerings are available in all jurisdictions. For additional information, please visit manulife.com. | [_____________________________________] | | [1] The expected value from our AI initiatives include realized run-rate expense reductions, top-line revenue uplift from AI-powered workflows, fraud reduction, and growth absorption. | SOURCE Manulife Financial Corporation