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Frequently Asked Questions

Here are the answers to the most frequently asked questions that we receive. If you have other questions, please click here to send us a message, or call us toll-free at
1-800-668-0195 Monday to Friday from 8 a.m. to 8 p.m. ET, or e-mail us at am_service@manulife.com any time.

What if I change my mind after applying for coverage?
Once you receive your Policy or Certificate of Insurance, examine it carefully. If you are not completely satisfied, simply return your Policy or Certificate of Insurance to Manulife Financial within 30 days and request that your coverage be cancelled. Your premiums will be refunded in full - no questions asked!

When will my coverage begin?
So long as you are eligible to apply, your coverage will begin on the date Manulife Financial receives your completed application and your premium payment, if on that date you are insurable in accordance with our underwriting rules. If, when reviewing your application, we find that you do not qualify for coverage for any reason, we will notify you immediately and return your premium payment in full.

What if I smoke occasionally?
You are entitled to Non-Smoker rates for Term Life coverage if, as of the date your application is received by Manulife Financial, you have not smoked any cigarettes in the past 12 months and you meet our health standards. If you are already covered and you begin smoking, you must notify us so that we can adjust your premiums accordingly.

What if I quit smoking after I am covered?
Congratulations! After a 12-month period during which you have not smoked cigarettes, notify us. Here is a Non-Smoker Application to complete and return to us. If it is approved, your lower Non-Smoker rates for Term Life Insurance will begin on the 1st of the month following the date of your Non-Smoker Application.

I have received my Premium Notice. What do I need to do?
If your payment method of choice is either by credit card or Pre-Authorized Collection (PAC), and the credit card or account number shown on your Premium Notice is correct, you don't need to do anything. We will charge your premium payment to your account in the month in which your premium is due, and apply it to your coverage. If your Payment Method is by cheque, send a cheque for the full amount to us by the Anniversary Due Date.

How do I increase the amount of my coverage?
To apply for increased coverage, simply complete another application for the additional coverage amount, then send it to Manulife Financial. For your convenience, you can apply on-line using the application we have provided for you. If you prefer, contact one of Manulife Financial's experienced Customer Service Representatives and we'll send you an application form through the mail.

How do I change the way I pay my premiums?
You can change your Payment Method on-line here. Or if you prefer, simply fill out the form on the back of your Statement and return it to us. We have made it easy for you to pay your premiums by cheque, credit card, or directly from your chequing account by Pre-Authorized Collection (PAC).

How do I change my address?
You can change your address on-line at any time by completing our Address Change form here.

How do I change my beneficiary?
You can change the individual or institution you choose to receive your Term Life benefit by completing and signing a Change of Beneficiary form and mailing it to Manulife Financial.

How do I request an additional brochure and application?
You can obtain a brochure and application by contacting Manulife Financial toll-free at 1 800 668-0195 from Monday to Friday 8 a.m. to 8 p.m. ET, or e-mail am_service@manulife.com any time.

How do I cancel my coverage?
If you ever wish to cancel your coverage, all you have to do is mail us a written notification bearing your signature. Your coverage will end beginning with the Payment Due date following the date on which we receive your cancellation request. If, within 30 days of first receiving your Policy or Certificate of Insurance, you return it to us along with your written and signed cancellation request, we will refund your premiums in full. In either case, please be aware that if you later choose to rejoin the plan, you must once again complete an application and meet the medical qualifications required of any new applicant. If you are unsure about cancelling your coverage, please contact us and we will try to help.

What if I have other questions?
Our dedicated and informed Customer Service Representatives are available to answer your questions or assist you with this coverage Monday through Friday from 8 a.m. to 8 p.m. ET. Simply phone us toll-free at 1-800-668-0195. You can also e-mail us any time at am_service@manulife.com or send us your questions through the Web here.