Manulife Financial Corporation, together with its subsidiaries, provides financial protection and wealth management products and services to individual, corporate, and business customers primarily in Asia, Canada, and the United States. The company operates through Asia, Canadian, and U.S. divisions, and the Corporate and Other segment. It offers various individual life insurance, and individual and group long-term care insurance products, which are distributed through various distribution channels, including insurance agents, brokers, banks, financial planners, and direct marketing. The company also offers annuities, pension contracts, and mutual fund products and services; various retirement products to group benefit plans; banking products and services comprising deposit and credit products to Canadian customers; and non-guaranteed, partially guaranteed, and fully guaranteed investment options through general and separate account products. These products are distributed through distribution channels comprising insurance agents and brokers affiliated with the company, securities brokerage firms, financial planners, pension plan sponsors, pension plan consultants, and banks. In addition, the company is involved in asset management, property and casualty reinsurance, and run-off reinsurance operations, including variable annuities, and accident and health. Further, it invests in commercial properties, which are leased to third parties. Manulife Financial Corporation was founded in 1887 and is headquartered in Toronto, Canada.