SSQ Insurance Life Insurance Reviews

Here is my story: I contacted the company a few days after my father’s passing to inquire whether his insurance policy would allow me to temporarily drive his car within another province. After being on hold for 30 minutes, the representative advises that she enacted “avenant 28”, an insurance clause in Quebec which essentially means that I will no longer be covered under my father’s insurance policy regardless of the province in which the vehicle is being driven. Where my intent was simply to confirm that I was being compliant, by asking those very questions I was deemed to be too “high risk”. As a result, I am now unable to even drive to the store to run errands for my newly widowed mother.
One thing is for sure: Do not believe for one second that SSQ cares about its clients.

I saw another review that stated that it seems like customer service is instructed to stall for as long as possible - in my experiences with SSQ I would not credit malice where incompetence is clearly a factor. Complaints staff are poorly trained, give overwhelmingly conflicting information regarding documents that are needed (to the point that they directly speak against the wording of official documentation given out by the company), and there's no accountability. They are loath to follow up with actual written instruction, and I've only been able to catch them in lies by consulting my own notes that I've started writing after every horrible interaction with them. Avoid! I am lucky that I've got enough time, energy and spite (mostly) to call them out on their bull and get my due, but for those who are poorer health and don't have the luxury of time or desperate need for vengeance, I suggest you stay away.

I have a life insurance with capitalization with SSQ and now I want to cancel it. More than a month ago I called them and requested to close my life insurance and have my investment portion refunded. They said that they will email me a form to fill out, but it takes 10 business days. Ok. After 2-3 weeks I called them to ask about the form. They emailed it to me while I was still on the phone. Why took them so long it's anyone's guess. I filled out the form and faxed it to a number they provided. I was told that it takes minimum 10 business days to get my money back. Yes, that's right, minimum, there is no maximum. It could be 11 days or 10 billion years. Anyway, after two more weeks, I called them again. They said that they have not received my fax. I sent them the forms again by fax and email, including the fax reports showing that the fax went through twice. Again, they have not received them. I have an emailed confirmation from them, but they still haven't received my email. It takes 48 hours for them to receive an email. This is not it, anyway. They are still saying that they need minimum 10 business days. They count from today, or maybe 48 hours from today, who knows, whatever they please.

Do yourself a favor and don't deal with them. There must be other alternatives on the market.