Exhibit 99.9

CONSENT OF APPOINTED ACTUARY

I hereby consent to the use and incorporation by reference in this Annual Report on

Form 40-F of Manulife Financial Corporation (the “Company”) for the year ended

December 31, 2025 of my Appointed Actuary’s Report to the Policyholders and

Shareholders dated February 11, 2026 (the “report”), relating to the valuation of the

policy liabilities of the Company for its Consolidated Statements of Financial Position as

at December 31, 2025 and 2024 and their change in the Consolidated Statements of

Income for the years then ended.

/s/ Stephanie Fadous

Stephanie Fadous

Chief Actuary

Fellow, Canadian Institute of Actuaries

Toronto, Canada

Date: February 11, 2026