Manulife Life Insurance Reviews

No action done, Manulife contacted me with regard to my filed complaint since 2021.
July this year. They contacted me again offering help. Now it's august, no help done.
All lies, all promises, nothing was done.
A big time scam.

I got crown down on a tooth because multiple filling broke and fell out, so 1/3 of the tooth was gone. The dentist said I needed a crown.

Manulife is continuing to reject the claim no matter what evidence my dentist sends them claiming that "the chewing surface must be damaged" - how does 1/3 of the tooth missing not count.

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.

Called before ordering an orthotics to ensure it would be covered. They said yes. I ordered the piece, which was 600 and it was never reimbursed.
I've called twice, they just give excuses, saying they will call back and never did so.
Cheap company with untrained people.
Highly suggest the company start investing in training so they can have people with correct information answering our questions.
Such a waste of time.

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.

Wtf is up with this company!!! Is corporate dividends more important than paying your obligations to your clients. Major delays paying directly to dentists etc. They do the claim within a day or two but to the dentist it can be months.
Are they becoming corporate America.
Disgusting, please avoid anything to do with this company, life, retirement .

Recently, our family doctor sent a prescription for my husband. The pharmacy advised they were unable to fill the prescription due to a shortage of the medicine. A temporary substitute medication was prescribed only to be rejected by Manulife. I contacted Manulife Nov 17/23 as directed by the pharmacy. The representative advised we would have to have our doctor complete another form for Manulife that would be reviewed to determine if the medication was necessary. I fail to understand why Manulife deems it necessary to invade our medical privacy. A medical professional has determined it is a necessary treatment, that should be all that is required. Manulife also felt it necessary to ensure we were informed of side-effects. The doctor and pharmacist fully discuss the medication and side-effects, so this should not be a concern of Manulife. This harassment is nothing short of discrimination, an invasion of privacy, completely unprofessional and creating an unnecessary delay in treatment that is putting my husband’s well-being at risk.
I waited on hold for over 15 minutes to speak to a Manulife supervisor. The representative came back advising me I would need to continue to wait. I requested to be put on the callback list as I could not wait any longer. The representative advised me there was no way to guarantee a representative would call me back, I would need to wait. A supervisor would not call me back? As of this date (Dec 7, 2023) I have not received a call back. One week after submission of the required documents we received a rejection and request for more information from the Dr. More time wasted and patient put at unnecessary risk! If I could give Manulife less than 1 I would. The saga continues.

0% value customer service, specially during the pandemic. Financial advisors does not know anything. Cannot approach in time of need. And ridiculously funny because you will have to loan out the money you paid for with another high interest that you will be charge for the benefit that you should have. If i were you consider others this is a type of insurance with no value and no benefit at all in time when you need it. Even your agent will just be there when it is pay time. When it is claim time wow! Will make it difficult for you. Liars!