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SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 6-K

Report of Foreign Issuer
Pursuant to Rule 13a-16 or 15d-16 of
the Securities Exchange Act of 1934

For the month of December 2003

MANULIFE FINANCIAL CORPORATION

200 Bloor Street East,
North Tower 10
Toronto, Ontario, Canada M4W 1E5
(416) 926-3000

       Indicate by check mark whether the registrant files or will file annual reports under cover Form 20-F or Form 40-F.

Form 20-F  [  ]   Form 40-F [x]

       Indicate by check mark whether the registrant by furnishing the information contained in this Form is also thereby furnishing the information to the Commission pursuant to Rule 12g3-2(b) under the Securities Exchange Act of 1934.

Yes   [  ]    No [x]

Signatures

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.
         
    MANULIFE FINANCIAL CORPORATION
         
Date: December 12, 2003   By:   /s/ Richard Lococo
       
    Name:   Richard Lococo
    Title:   Vice President and Deputy General Counsel

 

TABLE OF CONTENTS

EXHIBIT INDEX
EX-99.1
EX-99.2

Table of Contents

EXHIBIT INDEX

     
Exhibit   Description of Exhibit
 
99.1   Third Quarter Financial Statements for the nine months ended September 30, 2003 reconciled to US GAAP.
     
99.2   Cover Letter