Manulife Mobile

This app either makes it impossible, or intentionally difficult, to find your legal policy/insurance contract. I recognize I may be overly sensitive to an issue like this as a lawyer, but I feel compelled to note that this behaviour is improper for an international institution like Manulife. There is absolutely no reason for this: the only rationale for limiting policyholders’ ability to review their full policy is to maintain an information asymmetry between Manulife and the holder. The only reason insurance co’s would want information asymmetry? It gives them an advantage when denying meritorious insurance claims, because policyholders cannot effectively enforce their rights if they are not aware of them. This is unbecoming of an institution like Manulife, and it’s something I would have expected out of an underground loan shark, not an accredited financial institution. This must be fixed. Policyholders should ALWAYS have access to the contracts that bind them. No, waiting on the phone for 3 hours is not “access.” No, a camouflaged email attachment is not “access”. In 2026, good faith contracting affords parties REAL, perpetual digital access. If Manulife wants to claim that they insure in good faith, this should be a non-issue. I hope they do the right thing.

ManuLife has specifically designed an app that prevents submission of claims through ambiguous wording, limited functionality and technical glitches. Just when one gets to the final screen to submit ones work the app times out and crashes. That’s a good formula for mitigation of expenses for ManuLife. If they can foil your claim submission through their app (and they do) it saves them money. More funds available to pay their executive bonuses if they have less claims to pay out.

Love this app, it’s been great for submitting reimbursements easily and serves as a quick way to check the status of all claims