Individual insurance - Frequently asked questions

Administration, Application, Claims, Coverage


  • Claim
  • Coverage
  • Application
  • Administration

You can download the Critical illness insurance claim form or the Disability claim form.  

For all other claims, call us at 1-888-626-8543.

Call us at 1-888-626-8543 with the following details to submit your claim:

  • The policy number
  • The policyholder’s name and date of birth
  • The funeral home name (for life insurance claims)

You can download the critical illness insurance claim form. For all other claims, call us at 1-888-626-8543.

Most claims take five to 20 business days to process. To find out your claim status, call us at 1-888-626-8543 with the policy number.

Most claims take five to 20 business days to process. If it has been longer than 20 business days, call us at 1-888-626-8543 with the policy number.

If you need to add/change your coverage, please speak to your advisor.

You don’t have to give us evidence of insurability when you decrease a benefit or rider. You can complete and mail or fax us this Request for Change form.

Complete and mail us the appropriate form to change your name, address or banking information.

To correct your birth date, call us at 1-888-626-8543.

Complete and mail us the appropriate form to change your beneficiary.

If you need to transfer policy ownership, complete the "Transfer of Ownership" form. Keep in mind your transfer of ownership may have tax consequences. Call us at 1-888-626-8543.

If you’ve stopped smoking, you can complete and mail us the application for change form.

If you have a Manulife policy, complete and mail or fax us the Financial Change form to change your fund choices.

If you have a policy with another financial institution, or a policy from Maritime Life or Zurich Life, call us at 1-888-626-8543 to change your fund choices.

To find out what you’re currently paying in premiums, call us at 1-888-626-8543. 

Some insurance policies allow you to borrow money from it. Complete the application for policy loan or withdrawal form and mail or fax it to us with your void cheque. A loan or withdrawal may have tax consequences. Call us at 1-888-626-8543 for a taxable gain quote.

Complete and mail us the policy surrender form. Keep in mind that your cash value may be taxed as income. Call us at 1-888-626-8543 for a taxable gain quote.

Complete and mail or fax us the pre-authorized debit plan form.

To convert from term to permanent life insurance, speak to your advisor. If you don’t have an advisor, we can help you find one.

Speak to your advisor. If you don’t have an advisor, we can help you find one.

Speak to your advisor. If you don’t have an advisor, we can help you find one.

If you have questions about a policy you already own, or you want to update your policy, call us at 1-888-626-8543.

It depends on the type of expense. In most cases, you need to include an itemized receipt and claim form. Some expenses may require additional supporting documentation, such as a physician’s referral.