Independent Life Insurance Reviews

Manulife Life Insurance Reviews

(18 reviews)
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Category: Brokers, Agents
(1.7 out of 5 stars)
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Impossible to get claim money

 
(1.0 out of 5 stars)
by Upset May 06, 2019
...They continually request additional paperwork. I spoke with a customer service agent on the phone and she walked me through the entire process. I had issues prior with not submitting enough documents, so I decided I would submit every single document and receipt associated with the claim and they still required more, specifically the name and address of my doctor, which would have been on the initial paperwork. I called again today and was given a completely different method of filing claims, and told to disregard the previous information. This has happened with every single claim, I've never had this issue with other companies...
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Not sure if you can qualify for life insurance with existing health pre-conditions? Let us to help you with a no medical life insurance quote , meaning that you do not need to pass a medical exam to qualify for a life insurance policy.
 

Dishonest Manulife reps

 
(1.0 out of 5 stars)
by bebopbopper Apr 11, 2019
...I fractured my ankle and went on short term disability for a month. After asking a simple question about whether or not I was entitled to physiotherapy recommended by the surgeon, under short term disability, the case manager avoided my question and went off topic, minimizing the severity of pain I was feeling. The case manager then deferred to the group benefits department. The group benefits department lied to me by omission. They said I wasn't covered for my physio past the $200 a year, but failed to mention I could carry over the amounts into my healthcare spending account the next year. I only found out this information from my employer. The case managers are not true managers in the sense of the word. They just parrot a script. I'd have a better time speaking with a chatbot. At least chatbots have an excuse for being soulless...
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STD denied for the sake of it

 
(1.0 out of 5 stars)
by mee2709 Dec 15, 2018
...I got a severe ear issue as my work profile is to take 30-40 calls a day and I work in the sales environment. I got tinnitus, which is a ringing sound on an ear, and I also got sensorineural hearing loss, high pitch distorted sound. I submitted an STD claim in 2017 for 2 weeks was approved but then the symptoms happened again in 2018 October. Right from day 1 STD case manager wanted to reject this claim as I could feel from her behaviour. She also said she doesn't think I have a severe condition that I can't work. She took an interview over the phone than asked for docs forms, again she asked for proof of docs. Finally, after submitting everything, she went specifically for a medical consultant to review the claim. And guess what? It's REJECTED... after freaking 2 months... she didn't guide me neither told me anything as for how to process this claim whatsoever. I am in such a big financial stress right now that I can't even work properly. One side is my ear issue, which causes me a headache, as well as another side, this financial stress, I don't know how I am motivating myself. I won't spare this company though, please spread this word. Let's finish this fraudster company existence...
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