Life Insurance Reviews
Manulife Life Insurance Reviews
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(90 reviews)
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I have had nothing but bad experiences with Manulife in every way. They do not directly bill for anything and will always have to pay first and hope that their poor customer service will get to you eventually. They may send a reply stating you will hear from them within 7 to 10 business days, which is ridiculous, to begin with, but I am now on day 11, 3 emails in and have not heard from anyone as of yet. If I call I am waiting a ridiculous amount of time as well. Do they only have 1 customer service representative? I will never deal with Manulife again and will be sharing my experiences with anyone that will listen.
I noticed on a recent statement that they started charging me fees for my holdings. When I initially opened an account with them in 2018 I was told there are no fees. The fees began in May 2019. I hadn't been checking statements closely because I had set up the account as a passive investment vehicle. When I called to find out what the fees were and they said "we started charging fees in 2019 and you were notified" even though I never received any explicit mail or email stating such. When I asked for a fair solution to these usurious fees I met with dispassion and excuses on why nothing could be done. This is why I don't go with "big bank" like companies, they all charge fees and treat their own clients unfairly.
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Awful way of rewarding your long-term life insurance clients after 10 years. My payment has instantly tripled. Yet if I cancel and take the same term life again I'm only paying half! Unbelievable negligence especially when no one bothers to call to offer me the best options. Customer loyalty needs to be established in this section of Manulife services. This not only feels like plain robbery. No logical sense of client appreciation. If I could I'd rate zero. Just staying the truth after being a client of ten years.
I owned policy and paid 6 months in advance. They never tell you that when you redeem your policy early (person passed away) you do NOT get your money back if you pay in advance! Don't pay in advance! Pay monthly! They are horrible.
I've had three experiences on the claims side with Manulife. Two were of their life insurance policies and one was with their group employer short-term and long term disability coverage. In all three cases, I was not the claimant as such. With the two life insurance claims, I was the executor and administrator of two separate estates where the deceased was life insured by Manulife.
In both life insurance death benefits claims cases, Manulife's claims dept representatives were helpful, efficient and professional in their work. In both cases the death benefits were paid in full, expeditiously and without any delays or obstacles.
In the case of the short and long term disability case, it involved one of our company's employees. There again, Manulife's service was exemplary.
In a sense, am surprised by some of the negative reviews; however, it is more likely that one would be more motivated to place a negative review when feeling to be short-changed than a positive review for just receiving the expected. Thinking back I did have a terrible experience with one of the bank-owned insurance companies who did everything to deny a valid and fully documented travel medical emergency claim to the point that they eventually succeeded in frustrating the claim.
That case, not with Manulife but one of the bank-owned insurance companies, involved a medical emergency during a Carribean cruise. Despite having all the documentation, diagnosis, treatment, etc. they insisted on interviewing that attending physician whose personal contact information was unavailable due to privacy rules of the cruise liner. Apparently, they knew about that privacy rule of the cruise liner and used that knowledge to zap the customer.
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The app is bad, the web portal is bad, customer support can't help over the phone, even their online agent is bad. This company is completely useless in every way.
I took a mortgage protection plan from this company. They put an exclusion clause to my coverage which prompted me to cancel it. When i tried to cancel it, twice my call after waiting for 20 minutes each just "dropped" on my third attempt i was able to connect to a very rude rep which gave me the run around. I would never recommend this company to my worst enemy. Run away if you see this company. Worst policies and worst customer support.
Gave up after pressing "1" numerous times. Cannot find a real human to explain the call and inquiry.
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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 .
Yes, the phone wait times are long but they’re very helpful and we got our refund within 60 days of making the claim which is great for COVID times.