Independent Life Insurance Reviews

Manulife Life Insurance Reviews

(90 reviews)
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Category: Coverage, Conditions
(1.6 out of 5 stars)
Customer Service:
Value for Money:

Deceitful company

(1.0 out of 5 stars)
by AD Apr 04, 2020
...My wife and I took out a policy 2 years ago. She asked some very specific questions and was told that it does cover certain dental work she needed when she got the work done and filed for coverage as we were told to we got denied. Manulife said it's not covered despite the paperwork we signed saying it was. They refused to cover anything, so we cancelled the policy. She called in to find out how to cancel it and went through the process on the phone with them. They kept taking money from our account for 6 months after it was cancelled. Do not go near this company. They are dishonest and don't care about you one bit...
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Not Worth it.

(1.0 out of 5 stars)
by E Apr 02, 2020
...I paid $250 for my doctor to fill out paperwork describing why I cannot work. I was declined benefits and lost the money from the paperwork. Mental health is a real issue and this contributes to it negatively. If your doctor says you need time off, then you need time off...
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Easy to deal with

(5.0 out of 5 stars)
by Ben Feb 22, 2020
...As both a client (my family and) and as a broker who can sell ANY Health and Dental, I am found having my benefits accepted at the pharmacy and using the online claim process for my eyewear (many places accept Manulife in the store but where I bought my glasses, they didn't accept any insurance claims). The ease to use the services is a good a can be...
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Change coverage without notice

(1.0 out of 5 stars)
by PM Feb 16, 2020
...Signed up post-retirement insurance. Increased premiums every year then don't cover after 2+ years, saying it was a mistake. They hide information too...
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Pregnant wife denied

(1.0 out of 5 stars)
by justsaynotomanulife Jan 28, 2020
...Denied my wife's claim for 6 months. 3 appeals later and the final appeal was denied as well. This was for work (manufacturing). She claimed she was more than capable of her regular duties at work despite multiple letters from her OB. This might be the WORST insurance company. I would not recommend for any kind of service. I wouldn't let them insure a bicycle let alone anything to do with my family...
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Terrible Customer Service

(1.0 out of 5 stars)
by Dissatisfied Jan 15, 2020
...When submitting an extended medical claim, unless your service provider is on their teeny tiny list of pre-approved providers, expect to wait 2-3 weeks for reimbursement of your claim, not the 5 days they advertise. Their reimbursement amounts also do not change with inflation meaning coverage is poor. Oddly enough, they also have some items (ex: massage) that have an annual maximum AND a visit maximum (far below the service cost). This makes no sense. It should be one or the other. Also, don't bother sending a message using their messaging system. A representative will reply with something generic that completely ignores your question/concern. They email you from a "no-reply" email address so you can't even respond. This insurance company is a joke. AVOID...
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do not cast the claim

(1.0 out of 5 stars)
by unflinching1 Dec 17, 2019
...I am shocked to read similar experiences from other reviewers and it just helps me understand the extent of their excuses to evade their obligation to work with affected employees and arsenal of gimmicks to shut down a valid case - after of course - taking their sweet time - is astonishing... Although I have 5 year+ of direct experience as frontline CS representative - my current job with up to 100 calls per shift with mostly unhappy folk you try to work with - will curb your enthusiasm even if you are tenured professional with accolades for exceptional service. After six months with my present company, I have developed tinnitus in my left ear - which according to my employer could at best be a case for a work accommodation claim... However, pressures of a toxic work environment that come from poor systems and indifferent and incompetent management led me to a meltdown by the end of the first year. It took me another 6 months of this abusive situation to finally understand I am developing full-blown anxiety and depression... Upon submitting a claim with Manulife - getting my attending physician to share his findings, and extend the initial 2-week absence by another 2 weeks - I get to talk to 3rd Case Manager - who flatly during our phone call ( I encourage anyone to decline the "all calls are recorded" disclosure and insist to meet in person with someone from Manulife so they cannot twist your input around ) - advised me that unfortunately, Manulife cannot support my claim - due to my symptoms being directly worked place related (!?!) - which is outside of their scope... The person half my age with no medical training whatsoever and zero empathy - made me feel insignificant for a brief instant - while I was processing the shock. This was an expensive way for me to learn what a pathetic scam this is... If you value your time - steer clear of Manulife. There are plenty of better alternatives out there...
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Complete Joke

(1.0 out of 5 stars)
by Run Oct 29, 2019
...It would be better to go with any other company. They are only in the business of taking your money and giving you nothing in return. Horrible. Don't waste your time or your money. Example with their health insurance. We pay to have 100% coverage for massages and chiropractor services. If they don't feel the cost of the service if low enough, they do not reimburse the 100% cost. Rather an amount they feel is suitable for the service. It has happened to us twice now. We went for massages with a registered massage therapist, summited our receipts with all the information required, and were given a portion of the amount back. It's an absolute joke. If I could give lower than one star, I would...
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Terrible Assessment

(1.0 out of 5 stars)
by parnia Oct 02, 2019
...I have had a terrible accident and I have had a few surgeries. With serious injuries. Every bill I submit by default gets rejected. While I need to rest to recover I have to be on phone with them to convince them that it is included... They ignore doctor notes by reputable surgeons they ignore hospital bills they basically do their best to not pay anything to the insured person...
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Congé maladie

(1.0 out of 5 stars)
by S’il y a zéro je le mètrerais Aug 28, 2019
...Service à la clientèle nul . Ils ne prennent même pas en considération la note du médecin , ils arrêtent l’assurance même avec une note médicale et ils disent qu’ils n’ont pas assez d’informations pour continuer la demande. Ils te poussent de retourner au travail même si t’es incapable parcequ’ils disent qu’ils ne paieront plus. J’ai jamais vue une assurance autant nulle et considère ces clients comme des numéros et s’en fiche de ta situation. Il faut juste les payé à eux mais quand t’as besoin d’eux ils font tout pour ne pas payer et supporter leur clients...
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Can't provide simple dental

(1.0 out of 5 stars)
by Dont Buy Aug 25, 2019
...I worked for my company for 7ish years. Recently moved to full time to receive benefits. After a month or so of being full time, I had some dental repairs. They paid me absolutely nothing, claiming I wasn't eligible because I didn't have coverage at the time of operation, which is categorically untrue. Additionally, there is no way of contacting them to dispute the claim. Stay as far away from these crooks as you can, don't trust them with even pennies for the dollars cause they won't actually care to pay even the minimal amount when it comes down to it...
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Deny deny deny

(1.0 out of 5 stars)
by Notsurprised Aug 12, 2019
...They deny everything. The final straw for me was when they denied my medical forms submitted to my healthcare spending account (designed to be used for anything medically related). What a joke of a company...
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Stay far away

(1.0 out of 5 stars)
by medic Jul 04, 2019
...I was denied for STD from Manulife for mental health reasons. All supporting documents were provided, from psychologist and family doctor. They straight up lied on the reasons they provided for a denial. Saying it wasn't deemed severe enough. I was deemed very high risk by my doctor. That should have been a no brainer for any insurance company. Manulife denied it again and the appeal. Talking to my doctor, he said every time they have to deal with Manulife, they have nothing but problems. They said they are the absolute worst company to have to deal with. They failed to return any phone calls my doctor made to them. Refused to return my phone calls or even tell me the conclusion of their assessment of my case. It's simple, they provide the cheapest rates and deny as much as they possibly can. There is no customer service...
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Coverme Heath Insurance

(2.0 out of 5 stars)
by Menopausal Jul 03, 2019
...We added the drug benefits after my husband's knee surgery and after I started menopause. They excluded anything about his knee or my menopause NOT just from the drug plan, but from anything. Ok. But since then, now 6 years, anything we try to claim they refuse to pay without a doctor's diagnosis showing that it's not his knee or my ladyparts. Cancer pain meds? Could be the knee. Osteopath? Might be menopause. The constant jumping through hoops is terrible and wastes our time...
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