MK2798E - Manulife PensionBuilder® Information Folder & Contract

This document contains the Manulife PensionBuilderTM Information Folder, Contract provisions, and Fund Facts. The segregated fund Information Folder is published by The Manufacturers Life Insurance Company (“Manulife”) for information purposes only and is not an insurance contract. Manulife is the issuer of the Manulife PensionBuilderTM Individual Variable Insurance Contract and the guarantor of any guarantee provisions therein.