MK1175E - GIF and GIF encore Information folder and contract

This document contains the GIF and GIF encore Information Folder and Contract provisions. 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 GIF and Manulife GIF encore insurance contracts and the guarantor of any guarantee provisions therein.