Manulife Life Insurance Reviews

They try not to pay you for any reason. After submitting the dental claim, they didn't give me any response until I called them. Then, they need EOB. The thing is they should ask this early and let us know.

The worst company I have ever dealt with. Want your money but won't send statements and make every interaction is a hassle. Very unprofessional.

They could not even process a policy surrender in under a month and a half. Thank goodness I didn’t keep the policy because I’m not sure how long it would’ve taken my beneficiary to ever see a dime. They can’t answer your questions, except to say the money will come at some point in the future, we just don’t know when. And you can’t speak to a supervisor. If you asked to have a supervisor call you, they won’t call you. The only way to escalate it is to complain through an online email submission. I’m still waiting to see if that works out. Can’t help it, but it makes me wonder if they’re running short of funds.

Got the MANULIFE TERM Policy from a 3rd party servicing agent who could care nonetheless.
Approached Manulife directly via EMAILS and CALLS. Their follow-up is almost non-existent too.
My policy was lapsed due to oversight in payment. When I reinstate, the underwriter put in an exclusion which was of no relation to my health. Thankfully, another agent over sharp and pointed out that the exclusion should not be in the counter-offer.
Turns out it was the TYPO ERROR of by “policy service team while generating Counteroffer Letter”. Can you imagine if the client is not careful in reading the terms and signed away something which should not be included?
The servicing agents are non-existent, hard to find, customer service takes forever to follow up. The email correspondence department is not speaking to the PHONE call department, so when I Called Manulife, the CSO doesn't know anything that has been communicated at the email side...
RIDICULOUS.

I own a whole life policy which pays dividends. I have asked in the past about the investment component - financials or a prospectus - to understand the investment component. I was told this info could not be provided. My policy (for 32 years) & I cannot be given this information. All my other investments I can receive either of the above so I understand my investment but not here.
Recently I asked the service line about cashing my policy for the CSV. I was told I would receive a tax gain notice for over 90% of the CSV once cashed. I assumed I would pay tax on 50% of the gain but this could not be confirmed. I was surprised as I expected a small portion to be taxable, so I asked why this high. Death benefits are not taxable, so I was questioning why this amount. I was told this was the figure that appeared on the computer & the tax department could only answer, or I could contact my accountant. I was not paying my accountant. I asked to speak to the tax department, as the representative obviously could not answer any questions. I was told to write my questions and the rep would ask the tax department & reply in 7-10 days. I asked what if I have a follow-up question & again it would be 7-10 days. I again asked to speak to the tax department but was told I could not nor would anyone call me back.
This has been the pattern for 32 years. They will not give out info & the service is terrible. My original agent is long retired so that avenue is closed.
My strong advice is never buy a whole life insurance policy from Manulife. I was in the financial services industry for over 40 years, and no other FI would treat their customers this way.

I have been waiting for over 22 days for Manulife to process my claims. They are still pending. I called the company 2 times and messaged them on their app as well but they keep telling me that the wait times are longer than usual. Waiting for 22 days for your claims to be processed is not acceptable! I remember before it was 4-5 days maximum but now it's over 22 days...

First I called them they said the wait times are 10 business days, after a week they said it's 15 business days and now they say it's 20 business days. They are just lying every time I call them.

Called to request a quote for Life Insurance. Was put through to an agent who stated she did not have the time to complete my quote at that time after waiting on hold for over 10 minutes.
She booked an appointment with me for the following day and advised of all the information I would need. I got all the info she asked for and she didn't even bother to call me during our appointment time.

Customer service is zero.
You can never actually reach them and they never answer emails.
Still waiting since January 5th, 2024.

Dad passed away 4 months ago, made a claim and heard nothing back. Called and was given the round about for an hour and a half with dumbnutts not knowing where to send me to. Then them telling me that they can't fullfill the claims.

USELESS and WASTE of TIME.

I swear I've lost 10 years of my life dealing with Manulife...
They never process the claims correctly and it takes them 2 weeks to process any of my claims. I can never let them process my claims and automatically claim the remaining unpaid portion through HCSA because they never process the claim correctly and end up spending way more money on the HCSA which you would have to spend even more time to get them to re-process and make the changes. That would be fine if they process at a reasonable speed but that's not even the issue... They would NEVER DO IT!!!! If their claim is not processed right, I would have to contact them for over a month straight to get a response and actually get things done right.
Questions are never answered, I have all my customer service conversation transcripts and they always say they forwarded my questions to their teams and they would contact me with the answers but I literally never hear from them again after that.
I would seriously pull my teeth out than to willingly choose them as a provider. I literally have no choice but to use them because my employer chose them.