By entering the Manulife “It’s Your Life” Contest, (the “Contest”), entrants agree to abide by these Official Contest Rules and Regulations and the decisions of the sponsor, The Manufacturers Life Insurance Company (the “Sponsor”), which are final.

HOW TO ENTER: No Purchase is Necessary. 
All eligible individuals who complete and submit the survey at and provide their contact information will be entered in to the contest. Online access is required to participate in order to participate in this contest. Many public libraries, retail businesses and others offer free access to computers and internet services.

ENTRY PERIOD: Contest entries will be accepted from Saturday, April 1, 2017 at 12:01 am to Monday, July 31, 2017 at 11:59 p.m. (ET). No entries will be permitted or accepted after July 31, 2017.

ELIGIBILITY: The contest is open to residents of all Canadian provinces and territories, who have reached the age of majority in their province of residence as of Saturday, April 1, 2017. Full-time, part-time and/or contracted employees of The Manufacturers Life Insurance Company (Manulife) or those with whom these persons are domiciled are ineligible to enter or win.

NUMBER OF ENTRIES: Only one entry per person shall be permitted. Each entrant will be eligible to win only one prize.

PRIZE: Three (3) cash prizes valued at $2,000 CDN each shall be awarded. The prizes are not transferable or refundable and no interest is payable on the value thereof. The prizes must be accepted as awarded.  The declaration and payment of any taxes or other amounts which may be owing in relation to the prize is the sole responsibility of the winner.  

DRAW: Three (3) random draws for the prizes will be made at the offices of Manulife, 250 Bloor Street East, Toronto, Ontario at 2:00 p.m. on Thursday, August 10, 2017. The draws will be made from all eligible entries received by the contest deadline.

ODDS OF WINNING:  The odds of winning the prize depend entirely on the total number of eligible entries received by Manulife during the Entry Period.

AWARDING OF PRIZES: The awarding of the prizes is contingent upon the entrant's full compliance with the Official Contest Rules and Regulations.  The selected entrants will be contacted by phone or e-mail by a Manulife representative and will be required to correctly answer, unaided, a time-limited mathematical skill-testing question before being declared the winner. If a selected entrant does not comply with the Contest Rules or Regulations, or does not reply within 72 hours of being contacted by a Manulife Representative, or fails to correctly answer the mathematical skill-testing question, Manulife reserves the right to declare the entrant ineligible and to select another entrant for the prize.

Any failure of a winner to sign and return all required declarations and releases within 14 days of receipt or attempted delivery thereof will result in forfeiture of the prize and the awarding of it to an alternate entrant. 

The skill-testing question will be administered by a Manulife representative during a pre-arranged telephone interview. All decisions of the Manulife Representative administering the skill-testing question, or his or her designate, shall be final.    

Further information concerning the prizes and how to claim them will be delivered to the winners by courier within two weeks of successfully answering the skill-testing question.

GENERAL CONDITIONS:  This contest is subject to all applicable federal, provincial and municipal laws and is void where prohibited. By entering the contest, entrants consent to the use of their name and photo in any publicity by Manulife without compensation.  Each winner will be required to sign a
declaration of eligibility, confirming that he/she is of the age of majority in his/her province or territory, is a resident of Canada and is not a full-time, part-time or contracted employee of The Manufacturers Life Insurance Company or those domiciled with them. Each winner will also be required to sign a publicity release and must allow his/her name, photo and remarks to be used for promotional purposes.

For residents of Québec, any litigation respecting the conduct or organization of a publicity contest may be submitted to the Régie des alcools, des courses et des jeux for a ruling. Any litigation respecting the awarding of a prize may be submitted to the Régie only for the purpose of helping the parties reach a settlement.

Manulife assumes no responsibility for any human or computer generated defect or failure in the transmission or reception of entries, whether caused by communication line failure, theft, destruction or anything else. Manulife also reserves the right to disqualify any contest entrant or potential entrant who makes any unauthorized alteration to any entry or tampers in any way with the entry process. Where, in the sole opinion of Manulife, any tampering with the entry process has brought or could bring the legitimacy of the contest into question, Manulife may cancel, terminate, modify or suspend the contest at its sole discretion and without notice to any entrant. All entries become the sole property of Manulife. All entrants agree to abide by the Contest Rules and the decisions of Manulife, which are final.

To obtain a list of winners, or for any questions about this contest, please contact Manulife at or 360 Solutions, Manulife, P.O. Box 670, Stn Waterloo, Waterloo, Ontario N2J 4B8.

As a leading financial services provider, we respect your privacy and our privacy statement can be accessed online at: .  All information gathered for the purpose of this contest is confidential and will be used for the purpose of this contest, and if the entrant consents, to provide additional information to the entrant about products and services offered by Manulife and/or Manulife Bank. Manulife will not share information gathered as part of this contest to any other entity except as required by law.