Resolve a complaint

If you are not satisfied with the manager’s response, you may ask to have your complaint escalated to Customer 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.

If, after your complaint has been investigated by the Customer 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
E-mail: ombuds.office@manulife.ca

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:

FOR INSURANCE RELATED ISSUES

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)
20 Adelaide St. East, Suite 802, P.O. Box 29
Toronto, Ontario M5C 2T6

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
Website: www.olhi.ca

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 visit their website at www.lautorite.qc.ca.

In Saskatchewan – If you reside in Saskatchewan, you may submit your complaint to the Superintendent of Insurance. For complaint inquiries or more information, please contact:

Superintendent of Insurance
Insurance and Real Estate Division Financial and Consumer Affairs Authority
Suite 601 - 1919 Saskatchewan Drive
Regina, Saskatchewan   S4P 4H2

Phone: 306-787-6700
Website: www.fcaa.gov.sk.ca

FOR BANKING AND SECURITIES INVESTMENT RELATED ISSUES

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.

FEDERAL CONSUMER PROVISION COMPLAINTS

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 www.fcac-acfc.gc.ca, or by calling toll-free 1-866-461-3222.

FOR PRIVACY RELATED ISSUES

The Office of the Privacy Commissioner of Canada oversees compliance with the Privacy Act, including personal information-handling practices and the Personal Information Protection and Electronic Documents Act (PIPEDA).

If you are not satisfied with an organization’s response to your concerns, you may file a formal privacy complaint  with the Office of the Privacy Commissioner of Canada.

Office of the Privacy Commissioner of Canada
30, Victoria Street
Gatineau, Québec
K1A 1H3

Toll-free: 1-800-282-1376
Phone: 819-994-5444
Fax: 819-994-5424
Website: https://www.priv.gc.ca/en/