Welcome to Manulife Bermuda. Manulife Bermuda is intended to be used by contracted Distributors of Manulife Bermuda. This site is accessible only by Registered Users. As a Registered User you may use the site to access your firm's information. You are eligible to register if you are currently a Distributor for The Manufacturers Life Insurance Company (Bermuda Branch) which is referred to herein as "Manulife Bermuda". Registrations received that do not meet this requirement will not be accepted.

The following is important information related to the protection and confidentiality of Manulife Bermuda. If you have any questions about registration or the information below, please feel free to email us at MLBdist@manulife.com.

Privacy and Security

At Manulife Bermuda, we are committed to providing information to our valued Distributors on the Internet in a secure and private manner.

Efforts have been made to provide information in Manulife Bermuda that is complete, accurate and up-to-date; however, Manulife Bermuda does not represent or warrant the completeness, timeliness or accuracy of the content of Manulife Bermuda including without limitation: information, text, graphics, links or other items contained in Manulife Bermuda. Furthermore all information conveyed herein is provided to you "AS IS" and any action that you take based on the information contained in Manulife Bermuda is your sole responsibility.

Care and Control of Password

You are responsible for the care and control of your password to preserve the confidentiality and security of your information. Your password must be at least 8 characters in length and should contain three of the following:

• Upper Case
• Lower Case
• At least one number
• At least one special character

Please note: letters and numbers may not be repeated 3 or more times.
Although John Hancock does not require you to change the password periodically, we recommend that for security purposes you change the password every 45 days.

You must maintain your password safely at all times, which includes:

• Keeping your password confidential at all times
• Taking reasonable precautions to ensure that no-one discovers your password while you are typing it at a computer
• Avoiding password combinations that may be easily determined by others, such as birthdays, phone numbers, etc.
• Contacting us immediately at 441-296-8710, if an unauthorized person comes to know your password. Also change the password immediately, by using the "Change Password" screen.

Your Responsibilities as a User

Your password is strictly for your own use. In the event of an unauthorized use, you will be required to prove that you took reasonable steps to protect your password.

You are responsible for the full amount of all authorized activity resulting from the use of User Name and password for any service by any person, including any entry error or fraudulent transaction.

You are responsible for the full amount of unauthorized activity with respect to any service, which occurs before we receive notification that your password may have become known to an unauthorized person. On receiving such a notice, we will promptly block the ability to access our services.

Please note that you contribute to unauthorized access and use if you do not comply with the provisions of the 'Care and Control of Password' section of this agreement.

E-mail to Manulife Bermuda

If you have any technical questions or have difficulty registering with Manulife Bermuda, please contact Manulife Bermuda at 441-296-8710.  Alternately, you may wish to send an e-mail message to Manulife Bermuda at Manulife_Bermuda@manulife.com. To keep your information confidential, this Manulife Bermuda website is protected during the electronic transmission process by 2048 bit encryption.  Encryption is a method of encoding information so that unauthorized individuals cannot read it. However, Manulife Bermuda cannot assure this security for electronic transmissions sent outside of this website.

Agreement with Manulife Bermuda

By registering to use Manulife Bermuda, you are agreeing that Manulife Bermuda and its directors, officers, employees or shareholders of Manulife Bermuda shall not be liable for any damages, including direct, incidental, ordinary, punitive, exemplary, indirect, special, or consequential damages arising out of or related to the use of or materials relating to the Manulife Bermuda Web Site. In addition, you agree that:

1. While you may access and download information or content on Manulife Bermuda, you will not alter any proprietary or confidential information that is provided thereon;

2. Any and all information and/or content on Manulife Bermuda remains the sole and exclusive property of the Company and is considered to be confidential information;
3. You do not and will not acquire any proprietary interest in any material found on Manulife Bermuda.  You will not use Manulife Bermuda, or any portion thereof, in any manner that may infringe upon any proprietary or intellectual proprietary interests that Manulife Bermuda or any third party may have in Manulife Bermuda;
4. You will only access and use the materials solely for obtaining information or transacting business with The Manufacturers Life Insurance Company (Bermuda Branch).

You acknowledge and agree that other World Wide Web sites for which connections may be provided in this site by hypertext links are entirely independent of Manulife Bermuda. The inclusion of hypertext links to any third party in Manulife Bermuda shall not in any way be construed as an endorsement by Manulife Bermuda of such party's Web Site, products or services.

Manulife Bermuda may, in its sole discretion, and at any time, modify, suspend or terminate the services provided to you through Manulife Bermuda without notice.