Manulife Life Insurance Reviews

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!

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.

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.

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.

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 .

Called to request a quote for Life Insurance. Was put through to an agent who stated she did not have the time to complete my quote at that time after waiting on hold for over 10 minutes.
She booked an appointment with me for the following day and advised of all the information I would need. I got all the info she asked for and she didn't even bother to call me during our appointment time.