Pros: -No up-selling - We got exactly what we asked for. -Friendly staff with quick responses. Cons: -Many mistakes were made in the initial application phase, which were all corrected quickly once I pointed them out, but I can't help but feel if I didn't go over it very carefully myself, I wouldn't have ended up with the right results! -I would have preferred to deal with one person the whole time, but almost every time it was a different person emailing me. This is maybe more a personal preference, and perhaps it allows them to be quicker with responses. -A criticism of Manulife and NOT PolicyMe: Manulife asks you to make sure the application is accurate and asks you to correct anything that is not accurate or complete, and then sign that it accurate and complete. However, it was a real headache when we tried to make corrections. They said the changes didn't matter, but that is not what it seems like in the document you are signing! I don't think this a very good practice by Manulife. PolicyMe helped us through it, but it was frustrating.