Taking advantage of deregulation that allows banks to distribute variable annuities effective october 1st , manulife japan has established alliances with five banks to distribute its manusolution variable annuity product 十月一日起，日本撤销管制让银行可分销变额年金。宏利日本立即与五间银行结盟，合作分销其manusolution变额年金产品。
Driven by strong sales of 401 pension , variable annuity and universal life insurance products , premiums and deposits for the quarter increased by 14 per cent to cdn 4 . 1 billion compared to the third quarter of 2001 受401 k退休金变额年金及灵活人寿保险产品销售强劲所带动，第三季保费及存款较二零零一年同期上升百分之十四至四十一亿加元。
In wealth management operations , the pension businesses in both the u . s . and canada experienced increased sales , while volatile equity markets resulted in offsetting declines in variable annuity sales in the u . s . and in individual wealth management products in canada 理财业务方面，美国及加拿大的退休金业务均有攀升，而由于股市波动，抵销了美国变额年金销售及加拿大个人理财产品的下跌。
Prior year earnings were negatively impacted by poor equity markets , which led to lower margins and higher reserves in the variable annuities business , and higher credit provisions in response to weakened credit markets . premiums and deposits increased by 18 per cent to cdn 4 . 8 billion versus the year earlier result 上年度盈利较逊是由于受到股市下滑的负面影响，导致变额年金业务的边际溢利下降及拨备增加，亦因信贷市场受创而须提高信贷拨备所致。
This increase was primarily due to strong sales growth in all lines of business driven by ready market acceptance of new products , particularly in variable annuities ; strong recurring premiums in the 401 pension business ; excellent retention in the insurance business ; and an improved economic environment 是项增长主要是由于新产品，尤其是变额年金产品深受市场欢迎401 k退休金业务录得可观的经常性保费保险业务的续保率高企，以及经济环境改善等因素影响，令全线业务销售大幅上升。
