Manulife Financial Corporation (NYSE: MFC) is a broad-based financial services firm headquartered in Toronto, Canada. The company provides a wide range of financial products and services, including life insurance, group life and health insurance, pension products, annuities, and mutual funds to individual and group customers in the US, Canada, Asia, and Japan. The company operates as Manulife Financial in Canada and Asia, and primarily through John Hancock (which merged with Manulife in April 2004) in the United States. As an insurance provider, MFC will seek to profit from increasing insurance demand due to the aging "baby boomer" population. In addition, the firm's large portfolio of assets make it at risk to fluctuating interest rates.

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