Resolve a complaint

Manulife's complaint resolution process:

Customer Satisfaction and Complaint Resolution Pamphlet (PDF)

Please contact your advisor or Manulife Customer Service. Most problems can be resolved quickly and easily by speaking with your advisor or with a Customer Service Representative.

If your concern isn‘t resolved to your satisfaction, please speak with a manager in that area. 

If you are not satisfied with the manager’s response, you may ask to have your complaint escalated to Customer Experience Care Team for an additional review. Toll-free: 1-855-891-8671 Fax: 1-888-259-6351.

What you can expect: Upon receipt of an escalated oral or written complaint, your concerns will be acknowledged in writing and an investigation into your concerns will begin.

The complaint investigation: We may:

  • Contact you to clarify information you have already provided
  • Contact you to request additional information in writing
  • Share your complaint and supporting documentation with the advisor against whom allegations have been directed
  • Request additional information from other parties involved
  • Provide you with updates throughout the complaint handling process
  • Advise you of any action we will be taking

Our response to you: Once the investigation has been completed, you will receive a written response explaining the reasons for the decision, except in some cases where an issue can be addressed easily and to your satisfaction over the phone.

Have you spoken to someone about this issue already?
Contact me:
What is your complaint about?

*Providing your reference number will help us serve you better. If you’re writing about:

  • insurance, please provide your Policy number
  • investment, bank, securities, please provide your account number
  • benefits, please provide your Plan Number + Member Certificate Number
  • group retirement plan, please provide your Customer Number + PIN

Manulife values and protects your privacy. We do not give your personal information, without your consent, to any organization outside of our affiliates for the purpose of that organization marketing their own products or services directly to you. Providing your phone number and email address enables Manulife to follow-up with you in regards to this request, we will not use your phone number or email for any other purpose.

If, after your complaint has been investigated by the Customer Experience Care Team, your concerns are not resolved to your satisfaction, please contact the Ombuds Office.

What you can expect: The Ombuds Office will conduct a further independent investigation of your complaint to
ensure every effort has been made to understand the circumstances around the complaint, by gathering all known facts and information and by conferring with all parties and departments who may have additional knowledge or information. This Office will also ensure the company’s complaint handling processes have been followed appropriately and fairly. After the Ombuds Office has completed their investigation, you will receive a written response which will be considered Manulife’s final position.

Manulife, Ombuds Office
500 King Street North
Waterloo, ON N2J 4C6
Telephone: 519-747-7000 ext.248874
Toll-free: 1-877-318-4054
Fax: 519-747-6325

If, after following our complaint resolution process, you continue to remain dissatisfied and wish to pursue your complaint, external recourse is available to you, through various consumer organizations:


The OmbudService for Life & Health Insurance (OLHI) deals with concerns about life and health insurance products and services that have not been resolved through the company’s dispute resolution system.

OmbudService for Life & Health Insurance (OLHI)
401 Bay Street, Suite 1507 P.O. Box 7
Toronto, Ontario M5H 2Y4

Toll-free telephone number: 1-888-295-811 (Canada wide) or 1-866-582-2088 (within Quebec)
Toronto: 416-777-9002
Montreal: -514-282-2088

OLHI may take on your case if, after receiving our final response, you would like to pursue the matter further, or if you have not received our final response in 90 days.

In Quebec – The regulation of life insurance companies in Quebec is administered by the Autorité des marchés Financiers (AMF). If you remain dissatisfied with the way in which your complaint has been handled or with the results of the process, you may ask that your file be transferred to the AMF. Following the transfer, the AMF will examine the file and, if deemed appropriate, may offer dispute resolution services. The filing of a complaint with the AMF does not interrupt the prescriptive period for civil remedies. You can reach the AMF by calling toll-free 1-877-525-0337 or, in Quebec City, at 418-525-0337, in Montreal at 514-395-0337, or by e-mail at .


The Ombudsman for Banking Services and Investments (OBSI) deals with concerns about banking and securities investment products and services that have not been resolved through the company’s dispute resolution system.

The Ombudsman for Banking Services and Investments
Toll-free telephone number: 1-888-451-4519
Toronto:  416-287-2877.


The Financial Consumer Agency of Canada (FCAC) supervises federally regulated financial institutions to ensure they comply with federal consumer protections laws. For example, financial institutions are required by law to provide consumers with information about:

Complaint-handling procedures

Borrowing costs on credit cards and loans (excluding insurance policy loans)

Banks are also:

  • Required to provide information about fees/charges and interest rates
  • Required to open a deposit account when acceptable identification is presented (subject to certain conditions)
  • Required to disclose their cheque holding policy
  • Prohibited from making you buy a product or service as a condition for getting another (coercive tied selling)

If you have a complaint about such a consumer provision you can contact the FCAC, in writing at:

Financial Consumer Agency of Canada
6th floor, Enterprise Building
427 Laurier Avenue West
Ottawa, Ontario K1R 1B9

You may also reach the FCAC by e-mail at, or by calling toll-free 1-866-461-3222.