Frequently asked questions

Get answers to your most-asked questions

Insurance can be confusing – it's natural that you would have questions. Here you'll find answers to the questions that our customers ask the most, about each of our product lines as well as about our company and policies in general. 

If you have other questions, please contact us to send a message. Please do not include any credit card account numbers in your email message to us. You can also call us toll-free at 1-800-668-0195 Monday through Friday from 8:00 a.m. to 8:00 p.m. Eastern Time.

General FAQ

Get information about our company and insurance in general.

You can obtain your previous year's Health & Dental premium (tax) receipt by going online to our Secure Service portal at

  • If you haven’t visited our Secure Service portal yet, please register to access your information
  • Navigate through the easy-to-use online portal
  • Find your receipt under the payments section

If you have any questions, you can contact us by going to the Manulife site,, log in and click on “Send Note” or you can email us at

Once you receive your Policy or Certificate of Insurance, examine it carefully. If you are not satisfied, simply return your Policy or Certificate of Insurance to Manulife within 30 days and request that your coverage be cancelled. Your premiums will be refunded in full — no questions asked!

Your coverage will begin on the date Manulife receives your completed application and your first premium payment, subject to the approval of our underwriters. When reviewing your application, if we find that you do not qualify for coverage for any reason, we will notify you immediately and return your premium payment in full.

You are entitled to Non-Smoker rates if, as of the date your application is received by Manulife, 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.

After a 12-month period during which you have not smoked cigarettes, please notify us. Complete the Non-Smoker Application and return to us. If it is approved, your lower Non-Smoker rates will begin on the 1st of the month following the date of your Non-Smoker Application.

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, please send a cheque for the full amount to us by the Policy Anniversary due date.

To apply for increased coverage, simply complete another application for the additional coverage amount. You can either apply online or call us toll-free 1-888-913-6333 and we will send you an application form.

You can change your payment method. Or if you prefer, simply fill out the form on the back of your Premium Notice and mail it to Manulife. To add or change your credit card number securely please contact the customer service number.

You can change your address online at any time by completing our Address Change form.

You can change the individual or institution you choose to receive your benefit by completing and signing a Change of Beneficiary form and mailing it to Manulife. 

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.

Our 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 1-888-913-6333 or email Please do not include any credit card account numbers in your email message to us.