Manulife Life Insurance Reviews

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.

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.

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.

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!

My dad passed 2 months ago. We called in to make the claim and were told 19 business days for policy funds to be deposited. Nothing was deposited after that time, so we called back twice and were told a rush would be put on it. Still nothing. Called the broker and he talked with them. They told him it would be 5-7 business days. Still nothing. It's now 2 months and Manulife says an adjuster will call us back.
Manulife is a joke. Never use them.
There are policies with 2 other companies, both of which have come through immediately.
Don't waste your time with an unprofessional company like Manulife.

I got sick in Mexico and needed to stay in the hospital for a day. Two months ago, my wife and I submitted a claim to be reimbursed for our medical expenses as we purchased medical insurance from Manulife.
It seems Manulife makes it as hard as possible to access claims. They ask for one round of information, then when they have all the information, they ask for another round. We are on our third round of information giving, and 75% of the information asked was given in the first round. It's as if they make it as hard as possible for us, so we would give up on the claim.
They recently made us translate all our documents which cost us $250, and gave us a 30-day deadline to do so, or we would not receive any of our money. How does an insurance company give us a 30-day deadline when they are the ones who owe us money? Should they not be the ones that have a deadline?
We are now holding $5000 on our visa and still have not been paid back. There is a long wait time on their helpline, and we feel like the service we have received is on the verge of crooked.

You pay for your benefits yet they ask for a doctor's note every time you want to go for a massage or chiropractor even through what you pay for. This company is a scam.
For someone that has a back problem, it is incredibly time-consuming for me to go to the doctor to get the diagnosis every time I want to use my benefits. DONT waste your time with Manulife.

My deceased dad took out an annuity for my mom from Manulife sometime before his death in 2012... My mom's accountant flagged in 2021 that my mother was being taxed on an amount from this Manulife annuity that was not in her bank account. THE UPSHOT IS THAT MANULIFE HAD BY LAW BEEN REQUIRED TO MAKE A PAYOUT TO MY MOTHER EVERY YEAR BUT NEGLECTED TO DO SO FROM 2012 TO 2021. Yet they reported to the government that they sent the money to my mother so she had to pay tax on it. I called in April of 2021 and was unable to get past the guard of twenty-somethings whose sole job is to keep customers from getting the information they need. We talked to Rose, James, Ron etc etc etc - no last names of course. "We will provide you with that information in seven business days" No information was forthcoming. We called again. "We will provide you with that information before the end of the day" No call - no information. This went on through May. I said at one point that I would like to talk to Rose's manager "No, you can't" was Rose's response. Finally, in June one of them said that they didn't know who I was and I needed to provide them with my dad's death certificate and fill out a lengthy form as to why I should have this information. (They already had the POA I sent them stating that I was authorized to act for my mother) My father died in 2012 and a death certificate was sent to them in 2012. Another was sent in 2014 and yet another in 2017. I also had to provide my POA. This document was sent to them in 2012. "Just go to the file and pull the documents - you already have them," I said. "We won't do that" Was the reply. I resisted the impulse to say that "yes - my father is just as dead now as he was in 2012" That was definitely a low point having to prove that he was still dead repeatedly. Was satire required? "Yes, he faked his own death at the age of 92 in order to defraud Manulife out of a lousy $21,000 policy." We ran into a brick wall so I sent the package of notes that I had been keeping of every phone call to the Ombudsman. Lo and behold! We get a call from 'James'. "I am a TEAM LEADER," he said "I am here to help you" "You could start by paying my mother the interest that you earned by keeping her money for the last 8 years" "We don't do that" was the reply. After weeks of dealing with 'James', the money was eventually restored but we never did find out why the money was withheld for 8 years. Manulife is impossible to deal with. The action was only forthcoming because we notified the Ombudsman. Another low point - I was told that I needed to get my 96-year-old mother suffering from dementia to sign a form authorizing me to act on her behalf. I told them that, due to her dementia, she was incapable of doing so and YOU ALREADY HAVE THE POA THAT SPECIFIES THAT I ACT FOR HER. Avoid Manulife if you possibly can. They are terrible people. If you can't avoid them I would advise going directly to the Ombudsman so as not to waste the three months we did dealing with people on the phone. On an end note - we never did find out why they didn't make payments to my mother for 8 years.

Not only do claims reimbursements typically take longer than 7 days, but the customer service is also terrible. That is if you can even get through to an agent on their customer support line.
What absolutely floors me is that insurance companies like Manulife make millions if not billions of dollars a year and yet they can't properly fund a call support centre.

So the company I am with uses Manulife for the insurance. I have had nothing but issues with Manulife. I attached and sent all support documents for a claim but they always come back with some document that they need to approve the claim which my doctors say they don't provide. Manulife customer service representatives are constantly telling me wrong information and then I get countless emails about different guidelines that seem to change every claim. They truly make it very hard for you to even get a claim approved even with so much support, signed by the doctor documents.