Manulife Life Insurance Reviews

I have been contributing to a life insurance policy with Manulife for 20 plus years, $175 per month for a $100K policy. Yes, I know, a ridiculously high premium!
I quit smoking 8 or 9 years ago and thought I would now qualify for a reduced premium so contacted Manulife to discuss, yes, we'll send you a form to complete. The form I received was a questionnaire approximately 50 pages long!
I was then subject to an extensive medical examination by a nurse appointed by Manulife and I have just received the results of this examination which, considering my age and health background, were excellent on all counts, (I had a heart attack seven years ago and required stents), great news I thought!
My insurance agent contacted me several days ago and informed me Manulife will not adjust my premium down due to my having a heart attack, but if I am now in excellent health and live a clean active lifestyle why would my request be denied?
Needless to say, I am extremely disappointed with this response and would advise anyone looking for insurance to use due diligence.
I think it's time to remove Manulife from my investment portfolio.

Company change policy without customer knowledge denied me from my son medication, hospital bills and eyeglass for strabismus. Customer service is not helpful better go to another company 150.00 x 12 but basically, I don’t get benefits.

Try to change my policy address and bank account to my US address and customer service doesn't know how to enter a US address. Kept me 70 min on the phone and then tells me there is a system problem.
Cannot understand a US postal code format.
Still on the phone

Since April I have been trying to change my life insurance policy from joint to sole ownership. I need to make an adjustment to my beneficiary information which can't be done until the transfer of ownership is complete. It's now September and the information still hasn't been processed. I keep getting incompetent agents. The first agent told me that since the life insurance is for me, I can make the beneficiary change even though it's joint ownership. I sent in the forms and they were rejected. The second agent I spoke with was Alvin. He sent me documents that I filled out only to find out they weren't the right forms. The 3rd agent I dealt with was Noriel. He agreed to send me more documents through docusign to make it easier, but then sent a script I couldn't fill in. I had to call back to gain access. I filled everything in and was told there was still something missing. The 4rth agent was Maureen. She sent me what was hopefully the final document I needed to fill out and sign, but then I've been waiting weeks. I called and spoke with a 5th agent named Bat, and asked to speak with a supervisor. Of course, none was available but I was promised to be contacted within a week - that my case would be prioritized. Yeah right. After no word, I spoke with a 6th agent named Bee. I told her I needed to speak with a supervisor by the end of the following business day or I'd write a negative review listing the names of all the agents I'd dealt with who were either incompetent or unable to fulfill simple obligations, like making sure I am contacted by a supervisor. So here I am, being forced to write this review because I can't even speak with a supervisor. The change of beneficiary is important to me. What if something were to happen and it not be fixed yet? It's been 5 months! This is totally unacceptable.