Manulife Life Insurance Reviews
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I was opening an RRSP account for my work spending account and spoke to the most condescending employee. I emailed a complaint in and this is it: Hi there, I just got off the phone and had a horrible experience. I had called to enroll in my RRSP account as it was the first time I was allocating my spending credits. I was speaking to a man and every time I answered a question he would completely misunderstand what I said and have me repeat it again (No, neither of us had difficult accents). It started to become every single thing I said he would make me repeat myself and he started sounding frustrated with me! I could hear him perfectly fine and there didn’t seem to be a problem with my phone connection because he never said he couldn’t hear me, so I felt like it was very uncalled for. I never have trouble with people understanding me... Then it got to the point where the employee was using the phonetic alphabet and I was trying to do the same to make it clear, but I never really learned the whole phonetic alphabet as I’m pretty young and we didn’t use it as much growing up! I know the basics, but when he is asking me to spell EVERY answer I say, we cover a lot of letters that I don’t know! So he was becoming more and more irritated because I was using other words… At one point I couldn’t think of what “C” was and I said “Carrot” and he said “Excuse me?! You mean CAT?” I was frantically trying to Google the “phonetic alphabet” while on the phone so that I could use the right ones. Both the employee and I became very frustrated and he later said in a really condescending way, “C-A-T that’s how you spell it” or something like that. It was very uncalled for and was a bit embarrassing honestly getting in trouble with some Manulife employee when having to open an RRSP account for my work. I’m not even doing this for my own personal life, it’s for my career and I’m getting talked down to so badly. I then asked the employee what his name was and he said “Greg”. I asked where he worked out (thinking there’d be a specific Manulife branch or something?) and he said “Excuse me? Why do you need to know that information?” I wanted to get his information because I couldn't believe what I was hearing. I became fed up and just went back to the conversation of my demographics because I just wanted to enroll into my RRSP account (imagine that). Overall, he got me multiple times to spell out my first name, last name, address, where I worked, and my SIN multiple times… He asked me to repeat my SIN three times I think and I honestly began to think it was a scam caller taking my information! He would literally repeat the numbers back to me and I'd say "yes" and he'd AGAIN ask me to say it! I then began just to simply answer everything he said with one word so it was perfectly clear and I wouldn’t get in trouble anymore. Everything was fine after that. It’s really funny when the recording prior to the phone call even says the calls are recorded for quality purposes. Who would actually speak to a customer like that knowing they’re being recorded? I don’t write complaints a lot, but this was overall really embarrassing and immature. I felt like I got in a fight with someone who’s supposed to be opening up my RRSP account?! I couldn’t think of anything more unprofessional. After a couple of minutes, I became so shocked at what I was hearing that I video-recorded myself on the call on my work cell phone. You know a phone call would have to be pretty bad to do that… Anyway, I just really felt like this should be brought to someone’s attention because that was one for the books!
After 40 years of taking my money, this fraudulent company, now that I want to reduce my insurance due to the high cost of living, it brazenly sets my payment for only half of the previous price for a third of the insurance amount. If this is not a trick, then what is?
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.
My wife was making a claim on her deceased father and she was one of the beneficiaries of three sisters. Communication with Manulife is bad. It does not matter if you get the agency to communicate with Manulife or do it yourself, they put you through to the call center that has limited training and when asking for a manager or supervisor level for Manulife they will not pass you on to them.
I see a clinical therapist for years and was covered by Manulife under my previous employee. Now that I changed job, Manulife is still covering but on different terms and turns out they do not cover clinical therapists.
For anyone who knows, it takes a lot of time to onboard a new therapist, and clinical therapists charge less i.e. saves Manulife the money to cover higher costs. BUT Manulife just would not do it!
Even when I specify all the benefits for THEM: 1. I don't need them to pay the $200 sessions just to onboard me again to a new psychologies 2. They will only need to pay 5 sessions/year that I need with my old therapist at $175/session. They were just like "nope not your policy".
I feel like I am the only one trying here when there are clear benefits on both sides. I don't think that in all the communications and responses I received, Manulife cares a bit about mental health, because they are creating problems for my mental health when I am here as an open book to solve things with them.
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.
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.
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.
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 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.