Staff were very responsive and helpful. I.T. process was obviously still in development. Erroneous auto-prompts were sent by telephone and computer which made the company look amateurish. In fairness this was in part a result of a client (me) who was still considering options after the initial policy document was issued. This leads to the second point. There seemed to be a rush to get to the document and little opportunity to explore options. This seems to be a weakness of the auto-advisor system. Staff were helpful in answering questions, however. They did admit that they were still learning manulife's policies which, again, pointed to a company still in the early stages of development.