Group 1 - The core product launched by Manulife Insurance in collaboration with Ant Bank offers a maximum annualized return of 4.1%, making it a standout in the market for similar products [1] - This partnership enhances the digital insurance process in Hong Kong, allowing users to complete the entire insurance application through an app, significantly improving user experience [1] - Manulife Insurance is positioned as a pioneer in the digital transformation of the Hong Kong insurance industry, leveraging the strengths of both companies in investment capabilities and digital operations [1][2] Group 2 - Manulife Insurance is recognized for its dual strengths in both "yield leadership" and "experience leadership," making it a competitive player in the insurance market [2] - The investment capabilities of Manulife are backed by the collaboration with Massachusetts Mutual Life Insurance and Barings, providing a robust foundation for navigating market cycles [4][5] Group 3 - Massachusetts Mutual Life Insurance has a rich history dating back to 1851, offering a range of financial services to over 13 million clients globally [5] - The financial strength of Massachusetts Mutual is evidenced by its high ratings from major agencies, including an "AA+" credit rating from S&P, making it the highest-rated life insurance company in Hong Kong [7][9] Group 4 - Manulife Insurance has a strong distribution philosophy, having distributed $2.5 billion in dividends to policyholders and providing $9.4 billion in benefits since its inception [10][12] - The company maintains a solvency ratio exceeding 240%, indicating strong financial health and risk management capabilities [26] Group 5 - Manulife's asset management strategy involves delegating 80% of its underlying assets and 99% of fixed-income assets to Barings, creating a solid foundation for risk management [28] - The company has introduced the concept of "Invesurance," integrating insurance and investment to enhance returns while managing risks effectively [33] Group 6 - Manulife Insurance commits to distributing no less than 90% of its surplus to policyholders, surpassing the industry average of 70%-80% [34] - The company achieved a maximum dividend payout ratio of 101% for its main products in 2024, reflecting its commitment to delivering value to customers [36] Group 7 - Manulife Insurance is characterized by its strong global asset management capabilities, with a history of over 200 years and a focus on long-term investment strategies [39] - In an uncertain growth environment, Manulife's products, supported by Barings, offer effective risk diversification and higher bond returns, making them a preferred choice for stable returns [40]