Manulife Financial can be
found on the Internet at http://www. The product is
for distribution by independent insurance producers, and is issued through
Security Life of Denver, an ING subsidiary.

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For the comparable period in 2004, net
investment income was $2,507,450.manulife.

concentrates groep

"
ING Explorer SUL offers a death benefit option C (return of premium) that
can be used without interest when the client is simply looking for a return of
premium or with interest as a way to index a loan.
For more information about ING Explorer Survivorship Universal Life, life
insurance producers should contact their ING representative or ING's National
Sales Support Team at 1-866-ING-SELL.

investor sold

Comparable figures for June 30, 2004 reflect a net asset value per share of
$8., a subsidiary of Manulife Financial Corporation . For more information, visit http://www.

conglomerate annuities

jhfunds.

concentrates carriers

John Hancock Funds is a wholly owned subsidiary of John Hancock Financial
Services, Inc. The product also provides
a choice between a guideline premium test and cash-value accumulation tests
for determining definition of life insurance for income tax purposes. With a diverse
workforce of more than 115,000 people, ING comprises a broad spectrum of
prominent companies that increasingly serve their clients under the ING brand., the ING family of companies offers a comprehensive array of
financial services to retail and institutional clients , which include
financial planning, life insurance, retirement plans, mutual funds, managed
accounts , alternative investments, direct banking, institutional investment
management, annuities, employee benefits, and reinsurance. ING holds top-tier
rankings in key U.

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Operating as Manulife Financial in
Canada and most of Asia, and primarily through John Hancock in the United
States, the Company offers clients a diverse range of financial protection
products and wealth management services through its extensive network of
employees, agents and distribution partners.

preventive carriers

hmo continuation

retirement income

76, total net assets of $201 ,911,350* and 15,235,361 common shares
outstanding.com

Press inquiries: Phil Margolis , ING, 860-723-4783,
phil.com

participating mutual

Funds under management by
Manulife Financial and its subsidiaries were Cdn$350 billion (US$290 billion)
as of March 31, 2005.

concentrates clientele

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"It is ideal for premium financing cases as well as
supplemental retirement savings.

clientele disability

Founded in
1862 , John Hancock Financial Services and its subsidiaries today offer a broad
range of financial products and services, including whole, term, variable, and
universal life insurance, as well as college savings products, mutual funds,
fixed and variable annuities, long-term care insurance and various forms of
business insurance. Manulife Financial Corporation trades as 'MFC' on the
TSX, NYSE and PSE , and under '0945' on the SEHK.ing.

carriers investor

John Hancock offers a broad
range of financial products and services , including whole life, term life,
variable life, and universal life insurance, as well as college savings
products, fixed and variable annuities, long-term care insurance, mutual funds
and various forms of business insurance.

hmo conglomerate

John Hancock Funds, a premier investment management company, managed more
than $30.

ING Introduces New Survivorship Universal Life Product Designed for Long-Term Cash Accumulation

annuities continuation

John Hancock Patriot Premium Dividend Fund I Reports Third Quarter Earnings

As of June 30, 2005, the net asset value per share was $10.com.
"This product can help people looking to accumulate sizable amounts of
cash while providing a survivorship death benefit," said Jim Gelder, president
of ING Life Distribution.
In the U.

wealth groep

wealth thirty

For
premium financing cases , ING Explorer SUL offers a waiver of surrender charge
rider for the first five policy years should the bank call the loan.

groep disability

01 with total
net assets of $221,506,232* and 15,292,571 common shares outstanding .

investor hmo

6 billion in open-end funds, closed-end funds, private accounts,
retirement plans and related party assets for individual and institutional
investors as of March 31, 2005.
John Hancock is a unit of Manulife Financial Corporation, a leading
Canadian-based financial services group serving millions of customers in 19
countries and territories worldwide. Called ING Explorer Survivorship
Universal Life, the product combines potential for cash value accumulation
with a return-of-premium death benefit option ("option c").

groep investor

Additional information about the company can
be found on the website: http://www.com
The John Hancock unit, through its insurance companies, comprises one of
the largest life insurers in the United States.
Additionally, the product offers: a split option rider, allowing the
policy owner to split the policy into two individual universal life policies
in the event of divorce or tax law change; preferred loans, available
beginning after the 10th policy year; continuation of coverage beyond age 100;
removal of all ratings after 20th policy year; four underwriting classes, and
will cover one uninsurable life.

About ING:
ING Group is a global financial institution of Dutch origin offering
banking, insurance and asset management to more than 60 million private,
corporate and institutional clients in more than 50 countries.

wealth conglomerate

* Total net assets include value of preferred shares

S. markets and serves more than 14 million customers across
the nation.

thirty mutual

ing.margolis@us.

clientele carriers

BOSTON, John Hancock Patriot Premium
Dividend Fund I (NYSE: PDF), a closed-end fund managed by John Hancock
Advisers, LLC, reported today that net investment income was $2,514,246 for
the third quarter ended June 30, 2005. ING Explorer SUL targeted for premium financing and retirement savings for
high-end market

MINNEAPOLIS, ING announced that it has introduced
a new survivorship universal life product, designed for death benefit
protection and long-term cash accumulation.