Just to give you a little background on Manulife Life Insurance, here is an excerpt from their ad:

Manulife Financial is one of the most active and progressive financial organizations in the world nowadays with a history of financial stability that have been going for a century now. Since 1887, Manulife has advanced its market-leading responsibility in financial protection and wealth management. Manulife’s portfolio of financial products would comprise life insurance, pensions, mutual funds, annuities, group benefits and long-term care. The company has accepted many awards and recognition for their customer service, products, innovation and people. Having a strong sales achievement, we have gained market share.

Thank you. I will do that.

Without looking at your policy information I would say that you have a whole Life policy. These polices survive on getting a specified rate of return. If the policy does not recieve that rate of return then the shortfall has to be picked up by the owner of the policy by increasing there payments. All of this should be outline in your policy and you should have reccieved yearly statements showing that the policy was not working. If you do file a complaint Manulife will use the fact that all this is outlined in your policy in there defense. If you do want to make a complaint to a 3rd party try he Canadian Life and Health Insurance OmbudService.

Yes... I got your question and submitted it to a person more familiar with this Manulife Canada topic.

I'll mention this to him again.

Sorry for the delay.

I did post a reply on Sunday, Feb 19
Was it received? Or should I repeat?

This is an excellent question.

I'm going to consult my expert on this and get back to you.

Questions:
Is this a whole life, or universal life policy?
Have you read the terms of the contract with Manulife Canada?

I have a complaint about Manulife.
I have two life insurance policies - and the company says it will be reducing the amount of life insurance coverage, because of low interest rates, and increased insurance costs.
I think this is unfair, and I want to know the best way to file a complaint. It must be with a 3rd party - because I am getting the runaround from the Manulife customer service people.
I'd also like to be able to finf out if other customers are having the same problem, and if any sort of coopperative action is underway..

I've noticed that we're getting quite a few visitor looking for information regarding Manulife Canada. Ltd.

We would be interested to hear about your experiences with them.
How long you've dealt with Manulife Canada Ltd. and how they've treated you etc.