Insurance What you see is exactly what you get. Success. Consider our promise: The opportunity for financial fulfillment. Take the time to evaluate our current financial strength and our high ratings from the industry’s independent agencies, and you’ll see: our enduring promise keeps us on our toes. And that keeps us on top. Product Portfolio Investment Services The Advanced Markets Group The Underwriting Advantage Customer Service Forms Product Portfolio:1 Choose from a range of innovative products that allow you to satisfy your specific life insurance needs. Traditional and Universal Life Products:   Manulife New York UL-G: Manulife New York U-G offers a smart combination of security and affordability. Download our Product Guide.   Manulife New York Survivorship Universal Life: Manulife New York Survivorship Universal Life is now available with Age 100 Advantage, to protect against the possibility of outliving coverage. Download our Product Guide.   Manulife New York 10, 15 & 20 Term Life Insurance Products: Offering cost-effective solutions for today with excellent options for tomorrow Download our Product Guide. Variable Products: Find out What Does Variable Universal Life Insurance Offer You?. View a prospectus.   Manulife New York Venture® Survivorship VUL A survivorship variable universal life policy Offering the control and choices needed to protect families or businesses and to help preserve wealth Download our Product Guide. Venture Survivorship VUL offers: life insurance protection plus growth potential through a full range of investment options product flexibility, including the ability to change within limits: coverage amounts, investment options, and the timing and amount of premium payments a solid combination of no-lapse guarantees and long-term growth potential Venture Survivorship VUL Life insurance that goes the distance     Manulife New York VENTURE VUL ProtectorSM Protection with the Security of a 20-Year No Lapse Guarantee--offering peace of mind during volatile market periods! Download our Product Guide. Competitive Pricing Downside Protection2 The 20-Year No-Lapse Guarantee is included with the base policy and has a no-interest catch-up feature! Manulife New York VENTURE VUL AccumulatorSM Download our Product Guide. Life insurance with earning power to help you meet your retirement goals! Cash value and income potential Investment options to meet your financial objectives Manulife New York Venture Single Premium Variable Life A cost-effective, tax-efficient way to help build assets for the next generation Download our Product Guide. More money for beneficiaries – can provide a significant and immediate initial death benefit. More ways to efficiently transfer wealth tax deferred – guaranteed coverage for life. More simplified underwriting guidelines – applicants may not need a medical exam. Investment Services Every financial leader has a strong foundation. Ours is the Manufacturers Investment Trust (MIT). This powerful combination of best of class investment options is the underlying mutual fund investment vehicle for our group pension, annuity, and life insurance variable products. It is the cornerstone of our enduring promise, providing you with the opportunity to achieve financial fulfillment with the right set of diversified tools. Investment Materials Investment Guide A carefully planned financial strategy must be founded on solid investing principles. This comprehensive guide gives you the information that is needed to build a solid investment strategy underlying the Venture variable life insurance policy. Lifestyle Portfolios Takes you through the advantages of proper asset allocation and the simplicity of using Manulife New York's lifestyle portfolios -- immediate diversification through one single investment, addressing different levels of risk tolerance. Client Services This brochure provides a complete list of our investment options plus information on how to change asset allocation or sign up for new investment service options. Risk Profile Questionnaire Use this questionnnaire to help determine an investment strategy by identifying risk tolerance. Manulife New York Request for Investment Option Changes Final Q4 '04 New York SIG The Advanced Markets Group Our Advanced Markets Group provides expert information on the affects of recent legislation and sales strategies for a variety of business and estate planning concepts. The Underwriting Advantage We pride ourselves on our progressive, flexible underwriting guidelines. Our team of underwriters work with you every step of the way to offer you:   Competitive Underwriting Competitive underwriting on coronary disease, diabetes, build...even multiple impairments Underwriting Older Ages We are the older age specialists and offer a special Older Age Preferred Program for ages 71 - 90. Experience in Jumbo Case Placement Large cases are our business. Our underwriting specialists help you to avoid reinsurance gridlock while lining up large amounts of coverage. Standard Non-Smoker Rates for Smokers We have a feature whereby preferred and standard cigarette smokers qualify for standard non-smoker rates for the first three policy years. This feature does not apply to term plans or Venture Survivorship Variable Universal Life. MIT Supplement September 30, 2004 Manulife New York Protector Prospectus May 1, 2004 Manulife New York Accumulator Prospectus May 1, 2004 Manulife New York Survivorship VUL Prospectus May 1, 2004 Manulife New York SPVL Prospectus May 1, 2004 1 Please contact 1-888-267-7784 to obtain a prospectus. The prospectus contains complete details on investment objectives, risks, fees, charges and expenses as well as other information about the investment company which should be carefully considered. Please read the prospectus carefully prior to purchasing. The prospectus contains this and other information on the product and the underlying portfolios. Venture variable life insurance products are issued by The Manufacturers Life Insurance Company of New York, Valhalla, New York and distributed by Manulife Financial Securities LLC through other broker/dealers appointed by Manulife Financial Securities. Variable life insurance has annual fees and expenses associated with it. In addition, variable life insurance has both life insurance related charges and investment management fees. 2 The guarantee is dependent upon the claims paying ability of The Manufacturers Life Insurance Company of New York and in no way guarantees the performance of the underlying funds or principal value of the separate account.