Defined Benefit plans promise plan members a certain level of income during retirement, usually based on the member's salary and years of service when he or she retires. For organizations that offer a defined benefit pension plan to employees, Manulife Financial offers the Defined Benefit (DB) Investment Only product, which lets organizations take advantage of a single contract that combines custody, investments and pensioner payments. DB Investment Only provides an integrated solution, combining investment breadth and flexibility with simple, efficient administration.