Manulife Life Insurance Reviews

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.

Never in my life have I had such poor service from a company.
Phone wait time is 1 1/5 and never got answered. Had to hang up!
Updating my banking info was such a headache for lack of HUMAN ENGLISH!
Decided to get the app..... got locked out of my account.
I am so angry and just bitter over this. Still on hold now for another hour AND STILL NOT ANSWERING OMG!!!