I want to share my experience. Maybe somebody was more lucky than I was, so they have an opportunity to correct me. The majority in this forum as I can see by the feedback have similar experience as I had. In a nutshell I learned by experience that Manual Life and their brokers in Canada Protection plan (CPP) provided the worst imaginable customer service I have ever experienced so far. I contacted Manual Life customer service with a simple question regarding my policy. Instead of giving me a professional answer I was given a run around for 4 weeks between Customer Service in Manual life and CPP. The only reason I was eventually contacted by somebody was my intention to engage the National Media . Nobody cares about the customer after the policy sold by the brokers. Staff is not qualified to answer any questions. The policy has a lot of gray areas and hidden strings attached. I beg everybody - to stay away from Manual Life as far as you can and never ever deal with this so-called Insurance Company.
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Everyone be aware that when your policy expires they will automatically renew it at a much much higher rate. My agent phoned me to ask if I wanted to renew my policy as it was coming to its end....10 years. I asked him what the new rate will be, he said he did not know but its much higher. I said I would not likely renew. He did not remind me the contract stated its an automatic renewal unless you contact Manulife. As a result I did not notice for several months they were with drawing from my acct. a 600% increase in rates, which they will not refund.
Our agent is very thorough in explaining the coverages with us. He's professional, always returns calls promptly if we have questions. The coverage was by far the most economical when I shopped around for coverages. They offer an extensive list of types of insurance that can be truly geared to our specific needs.
Agent did not warn me that premiums would increase after 10 years while signing on. This being my first insurance in Canada. Did not continue with this company after that. Moved to RBC
Only dealings we've had have been about getting a broker and we did that by having to phone long distance to their head office and then having to pay for the long distance call ?
The agent I dealt with was knowledgeable and was very thorough on our insurance coverage..I trust this company and have dealt with them for many years
Purchased whole life policy with an expectation that at about 10 year point, premiums could be paid from the policy. Now been 20+ years and still paying premiums. Not seeing what the salesperson said.
I only deal with my representative & he's fantastic. Very helpful and easy to make changes from out of town.
Their sales presentation was deceptive. The performance of their whole life policy has been disappointing to say the least.