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.

The worst company I have ever dealt with. Want your money but won't send statements and make every interaction is a hassle. Very unprofessional.

They could not even process a policy surrender in under a month and a half. Thank goodness I didn’t keep the policy because I’m not sure how long it would’ve taken my beneficiary to ever see a dime. They can’t answer your questions, except to say the money will come at some point in the future, we just don’t know when. And you can’t speak to a supervisor. If you asked to have a supervisor call you, they won’t call you. The only way to escalate it is to complain through an online email submission. I’m still waiting to see if that works out. Can’t help it, but it makes me wonder if they’re running short of funds.

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.

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.

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.

They are a pain to deal with. Their page can be unresponsive, agents hard to reach. Case file organization is a mess.

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.

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.