The complaints keep on coming because Manila Bankers Life Insurance keeps on scamming.

Its modus operandi goes like this:

  1. Call or text people using private numbers procured from some entity that has access to or collects personal data. Another way is to approach people at the mall (it’s best if the person looks young or timid);
  2. Catch victim’s attention with promises of freebies and discounts;
  3. Use praise, scare tactics or both to get the victim’s guard down before proceeding into your practiced, company-approved spiel, repeatedly emphasizing the investment or protection aspect of the product;
  4. Ask to see victim’s credit card or debit card, promise that it will only be used for verification purposes. Do everything possible to get victim to hand over the credit or debit card;
  5. Swipe the card and charge the highest amount possible without letting the victim know;
  6. Return card and pretend nothing was charged or debited;
  7. Get victim to sign insurance policy with authorization for credit or debit made. Do everything in your power to make sure that victim is unaware of what he/she is signing;
  8. If victim realizes that a charge was made, pretend that you had no control over what happened and there’s nothing that can be done about it;
  9. Escort victim out the door. Feel your soul get closer to the eternal fires of Hell, but what the heck, you made a sale, so yay to you!

However, you can get your money back after you’ve been duped by Manila Bankers. Take it from Bhagz who graciously allowed me to repost her experience for the information of others who were also deceived into parting with their hard-earned money.

Here’s the timeline of Bhagz’ experience:

November 18, 2017 – signed a policy with Manila Bankers. That same night, she realized how scammy/scummy Manila Bankers was and decided to terminate her policy.

November 20, 2017- emailed a cancellation letter to Manila Bankers with the Insurance Commission copied in to the email.

November 28, 2017- submitted a hard copy of the cancellation letter at the Manila Bankers head office in Ayala Ave. The Insurance Commission was also copied in to the cancellation letter.

December 11, 2017- received a letter from the Insurance Commission where Manila Bankers was directed to reverse the charges made. The letter contained 7 other names with the same directive to Manila Bankers to also reverse the charges made on their accounts.

December 18, 2017 – received an email from Manila Bankers informing her of the cancellation of her insurance policy and reimbursement of her money subject to the submission of the following requirements: release waiver, quitclaim, bank chargeback form (all three documents to be provided by Manila Bankers) and the insurance policy/contract.

January 5, 2018 – went to the Manila Bankers office/kiosk in Robinson’s Galleria to sign and submit the required documents.

February 18, 2018 – left a comment that she finally received her reimbursement and that it was deposited in her account.

The best scenario is that you totally ignore the Manila Bankers agents when they call you or when they approach you at the malls. But if you already fell prey to their wily tactics, be sure to do what Bhagz did by submitting a cancellation letter within the cooling-off period or within 15/30 days after you signed the policy. Any request for termination within the cooling-off period is automatically granted, no questions asked.

However, it gets trickier if your case no longer falls within the cooling-off period because you’ll have to file a formal complaint with the Insurance Commission if Manila Bankers refuses to reimburse your money. I doubt that it will be expensive to pursue a formal complaint, but for sure it will be time consuming.

If you don’t have the energy to go through all that, then just cancel any automatic charges made on your credit card or debit card for the yearly renewal of the policy and chalk up your run-in with Manila Bankers to experience. Be sure that you learn something from that experience though by never falling victim to similar schemes in the future and helping others who went through the same thing you did.

(Other posts on Manila Bankers Life Insurance can be found here and here.)

Update as of July 11, 2018:

Here are Manila Bankers’ contact details:

Email: support@mblife.com.ph

Hotlines: +63998-9641223
+63917-5424079
+632810-1051 Loc. 205

Main Office:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.

It’s best to send Manila Bankers an actual letter cancellation via registered mail or courier with the Insurance Commission copied in to the letter (meaning a copy of the letter is also sent to them). Send the copy for the Insurance Commission at:

IC Manila
1071 United Nations Ave.,
Ermita, Manila

Good luck everyone!

Update as of November 1, 2018: Tips from Bobet of Truly Rich Makers. Thanks for this, sir!

Lahat ng insurance may “free look period” na 30 days. Kapag hindi ka satisfied sa insurance na nakuha mo simply cancel:

1. kung may auto-debit o auto-charge ka na pinirmahan, ipa-cancel mo agad sa bangko o sa credit card para wala nang subsequent payments.

2. gumawa agad ng letter para irequest ang cancellation at request for refund. Siguraduhing mai-kwento ng buo, ang dahilan kaya nag-ca-cancel. Kung palagay ninyo na na-i-scam ng ahente, isulat kung sino ang ahente at lahat ng nakausap na ahente, o manager, o kung-sinuman.

3. tumawag agd sa support line ng Manila Bankers Life, para mag-tanong kung paano mag-cancel at ano ang documents na kailangan asikasuhin.

Hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205

4. Ipadala sa email ang letter of cancellation.

Email: support@mblife.com.ph

5. Ilagay na addressee sa letter:

— Underwriting Department
Manila Bankers Life
cc:
The Commissioner
Insurance Commission

6. Ipadala via registered mail o courier/messenger ang inyong letter. Ang courier/messenger service ay mura lang,via LBC o FASTTrack or Xend, etc.

Underwriting Department
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.

At

The Commissioner
Insurance Commission Manila
1071 United Nations Ave.,
Ermita, Manila

7. I-follow up ang inyong case, magpunta sa MB Life sa Ayala Ave, o tumawag sa hotline, o mag-email sa support. Kung may ibigay na ticker number o reference number tandaan ito, at banggitin sa sunod na follow up.

Bilisan lang natin ang pagasikaso, kasi makalipas ng 30 days, baka hindi na i-entertain ang inyong complaint. Kapag within 30 days, wala pong maaring gawin ang MB Life kundi icancel ang policy at ibalik ang any payment.

Tandaan po natin na ang MB Life company at MB Life agent ay dalawang separate na entity. Maaring may masabi ang agent na hindi wasto o hindi accurate.

Ang maski anong insurance company ay ayaw na magkaroon ng cancellation, kaya ang mga hindi kanais-nais na practices ng ilang mga ahente ay hindi approved ng life insurance company.

Ang bawat cancellation ay napakaraming paper work na walang katumbas na kita sa insurance company.

Ang mabilis na pag-cancel lang ang magandang paraan para maparusahan ang mga ahenteng hindi maganda ang gawa. Mawawalan sila ng komisyon, mapapagalitan. At kung may sapat na dami ng valid complaints, matatanggal sa kumpanya.

Kung sila ay magpatuloy, ibig sabihin, hindi ipinaglaban ng mga biktima ang kanilang karapatan.

Kaya mag-reklamo po, kung palagay ninyo na-i-scam kayo.

79 Comments on How to Get Your Money Back From Manila Bankers Life Insurance

  1. Min
    March 19, 2018 at 5:06 pm (1 year ago)

    Hi,

    Thanks for this. I just fell into this trap at Robinson’s Galleria today. I don’t know, I am usually very careful with my finances but for some reason I willingly agreed to everything they offered me today. This is something I don’t need, since I already have other active insurances but I still signed up. Naawa lang ako sa agent kasi sabi niya kelangan na niya lang maka-kota for that day, and all I have to do is listen to them introduce their products. Ahh, I feel so stupid. It’s not a very big amount but I feel that I don’t want to trust my finances with a company that fools/tricks its clients. Insurance should be based on trust. If you have time, can you give more details about the cancellation procedure? To which email address do we have to send the cancellation? (Is this right? reportscam@insurance.gov.ph) To whom do we address the letter? Any tips/guidelines on what to write on the cancellation letter? Thank you very much and more power!

    Reply
    • Marinel pacis
      May 22, 2018 at 9:58 am (11 months ago)

      Nabawi nyo po ba pera nyo?

      Reply
    • Manila Bankers Life Insurance Corp.
      July 30, 2018 at 6:33 am (9 months ago)

      Hi

      We appreciate your valuable feedback as it helps us identify the areas we can improve.
      We are currently upgraded our customer service to address your concern.

      We wish to address and reply to your concerns please email us at:
      support@mblife.com.ph

      You may also follow up through our hotlines:
      +63998-9641223
      +63917-5424079
      +632810-1051 Loc. 205

      Or visit our main office here is our address:
      MB Life Insurance Corp.
      3rd Floor, VGP Center, 6772 Ayala Ave,
      Legazpi Village, Makati City,
      Philippines 1223.

      Thank you and have a great day!
      MB Life Insurance Corp.

      Reply
    • Toni
      January 22, 2019 at 5:01 pm (3 months ago)

      Nangyari din sa akin to dito sa Robinsons Iloilo, maingat talaga ako og dating sa mga ganito pero grabe yung pag se-sales talk nng agent nila na madadala ka talaga

      Reply
  2. Miggy
    April 16, 2018 at 1:18 pm (1 year ago)

    HI SIR! Patulong naman po regarding sa MB Life insurance na yan. Last August 25, 2017 pa ko nagsign ng insurance sakanila then sabi nung agent saken pag naginsurance after ng mga ilang years magagamit ko sa mga ganto ganyan etc. una palang kase talagang ayaw ko kumuha sakanila kase my isa na ko insurance sa isang coop association then that time na salestalk na ako hanggang sa hnd nla ako pnayagan lumabas ng room hanggat hnd ako nakakapag sign sakanila pinakita ko laman ng cash card ko buti na lang hnd ko dala atm debit card ko then nung sabi ko pagiisipan ko dun nila sinabi saken na kahit magkano na lang daw or kung sadyang ipon ko ung nasa card ko at talagang akin un makakapag decide ako sa sarili ko at talagang iniinsists nila na magpa insurance ako sakanila then mga dec. 2017 gusto ko na ipacancel kase that time nawalan ako ng work sabi saken hnd ko daw po pwede marefund pa kase wala pa cash value. So pano pong gagawin ko ngaun 2018 na po makukuha ko pa po ba ung refund ko? Thank you!
    Sana po makareply kayo.

    Reply
    • Jillsabs
      April 19, 2018 at 3:51 am (1 year ago)

      Hi Miggy,

      I’m sorry pero hindi mo na mababawi ang nabayad mo sa insurance policy kasi lagpas na sa cooling off period na 15/30 days after signing the insurance contract, kaya hindi na pwedeng ipacancel ang contract.

      Pero hindi mo naman kelangan ipagpatuloy ang pagbayad sa policy at pwede mo na lng siyang ipalapse para automatic na materminate. Kung naka auto debit yung bayad sa ATM card mo, ipa cancel mo lng Yung charge sa bangko mo. Good luck!

      Reply
      • Marinel pacis
        May 22, 2018 at 9:49 am (11 months ago)

        Kinina lng po nabiktima dn ako sa robinson..pahelp naman po pano ko mabawi pera ko

        Reply
        • Jillsabs
          May 25, 2018 at 10:08 pm (11 months ago)

          Hi Marinel,

          Nasa post na kung paano ang proseso para mabawi ang pera galing sa Manila Bankers. Sundin mo na lang yung nakasulat doon.

          Good luck!

          Reply
          • Marinel pacis
            June 7, 2018 at 12:11 am (11 months ago)

            Nakapagpasa na po ako..my sinend na din pong email sakin ang i.c pero wala pa pong contact sakin ang mblife..ndi ako makauwi uwi ng probinsya dhil jan..sabi nla after 10 days pero anong petya na wala pa silang msg sakin..may 23, pa naipasa ung complaint

    • Manila Bankers Life Insurance
      July 30, 2018 at 6:33 am (9 months ago)

      Hi

      We appreciate your valuable feedback as it helps us identify the areas we can improve.
      We are currently upgraded our customer service to address your concern.

      We wish to address and reply to your concerns please email us at:
      support@mblife.com.ph

      You may also follow up through our hotlines:
      +63998-9641223
      +63917-5424079
      +632810-1051 Loc. 205

      Or visit our main office here is our address:
      MB Life Insurance Corp.
      3rd Floor, VGP Center, 6772 Ayala Ave,
      Legazpi Village, Makati City,
      Philippines 1223.

      Thank you and have a great day!
      MB Life Insurance Corp.

      Reply
  3. Camille Bilo
    May 28, 2018 at 6:41 am (11 months ago)

    ptulong naman po ako kung paano please.

    Reply
    • Rocky
      May 30, 2018 at 8:09 am (11 months ago)

      Go to the ofc of the insurance comission at u.n. ave manila

      Reply
    • Manila Bankers Life Insurance Corp.
      July 30, 2018 at 6:34 am (9 months ago)

      Hi

      We appreciate your valuable feedback as it helps us identify the areas we can improve.
      We are currently upgraded our customer service to address your concern.

      We wish to address and reply to your concerns please email us at:
      support@mblife.com.ph

      You may also follow up through our hotlines:
      +63998-9641223
      +63917-5424079
      +632810-1051 Loc. 205

      Or visit our main office here is our address:
      MB Life Insurance Corp.
      3rd Floor, VGP Center, 6772 Ayala Ave,
      Legazpi Village, Makati City,
      Philippines 1223.

      Thank you and have a great day!
      MB Life Insurance Corp.

      Reply
  4. Jazz
    July 10, 2018 at 10:53 am (9 months ago)

    I just signed up today and badly saw all the bad comments about MB. Can you help us where we can send our email for cancellation and what insurance commission email address? I want to cancel my contract with them.

    Thanks in advance!

    Reply
    • Jillsabs
      July 11, 2018 at 9:55 am (9 months ago)

      Hi Jazz,

      THis is quoted from Manila Bankers’ many comments in my blog:

      We wish to address and reply to your concerns please email us at:
      support@mblife.com.ph

      You may also follow up through our hotlines:
      +63998-9641223
      +63917-5424079
      +632810-1051 Loc. 205

      Or visit our main office here is our address:
      MB Life Insurance Corp.
      3rd Floor, VGP Center, 6772 Ayala Ave,
      Legazpi Village, Makati City,
      Philippines 1223.

      The insurance commission email addresses are:

      publicassistance@insurance.gov.ph
      reportscam@insurance.gov.ph

      But for best results, I suggest that you send an actual letter cancellation via registered mail or by courier with a copy of the letter sent to the Insurance Commission at this address:

      IC Manila
      1071 United Nations Ave.,
      Ermita, Manila

      Good luck!

      Reply
      • adrian antolines
        August 13, 2018 at 12:56 pm (8 months ago)

        pano po ulit gagawin para mapa cancel ung insurance ko sa mb life kanina lang po ako naalok huhuhu pwede kaya pumunata ako sa office nila?

        Reply
    • Manila Bankers Life Insurance Corp.
      July 30, 2018 at 6:35 am (9 months ago)

      Hi

      We appreciate your valuable feedback as it helps us identify the areas we can improve.
      We are currently upgraded our customer service to address your concern.

      We wish to address and reply to your concerns please email us at:
      support@mblife.com.ph

      You may also follow up through our hotlines:
      +63998-9641223
      +63917-5424079
      +632810-1051 Loc. 205

      Or visit our main office here is our address:
      MB Life Insurance Corp.
      3rd Floor, VGP Center, 6772 Ayala Ave,
      Legazpi Village, Makati City,
      Philippines 1223.

      Thank you and have a great day!
      MB Life Insurance Corp.

      Reply
    • banana
      September 6, 2018 at 3:39 am (8 months ago)

      Hi,would like to know if you were able to cancel your insurance policy?

      Reply
  5. Albert
    July 27, 2018 at 12:59 pm (9 months ago)

    Need help naman po. KUng paano ko makukuha yung pera ko at ipacancel yung mb life insurance ko. Salamat po.

    Reply
  6. gladalyn
    August 13, 2018 at 11:34 am (8 months ago)

    mam makukuha ko pa b yong kinuha nilang 57k sa atm ko nag sign po ako last march 2018 the next day po papa cancel ko po sana yong policy pero sabi d daw pwedi dahil 2yrs daw naka lagay s contract d ko po mabbayaran yon monthly dahil d n po ako nakaalis.

    Reply
  7. Vangie
    August 19, 2018 at 8:43 pm (8 months ago)

    Hi.last aug.17,2018 nbiktima din po kmi ng asawa ko nitong mblife insurance nto.ask ko lng po if pno po ako gagawa ng cancellation letter and knino ko po i aadress.more than 30k din po ung nkuha s min.and ko lng po nbasa about s mga feedback nto.pls help me po.thanks

    Reply
    • Banana
      September 4, 2018 at 8:33 pm (8 months ago)

      Hi Ms.Vangie,ask ko lng po if nakuha nyo po ung reimbursement nyo sa manila bankers?

      Reply
  8. Nhess villanueva
    September 16, 2018 at 1:18 pm (7 months ago)

    Hi po kanina lng po nag sign ako sa mb life sm dasma..ewan ko ba pumayag ako pumayag ako na iswipe ung atm ko 26k ung kinuha nila para dw un sa 1year insurance ko….ang dami ko kc nabasa na negative feedback ofw asawa ko…en parang duda sya dyan sa sinalihan ko…tapos pano ko kaya ipapa cancel ung monthly na bayad kc ibabawas dw nila sa atm ko automatic dw un…pwede ko kya ipa cancel un sa bank ko.para di sila makakuha ng pera sa atm mo?

    Reply
    • Joanna
      October 30, 2018 at 6:42 am (6 months ago)

      Hi Maam. Sa sm dasma ka din po nabiktima? Ako din eh pero maliit lang ang saken at sa credit card. Ano na po nangyari sa pagpapacancel nyo?

      Reply
  9. Sansan
    October 25, 2018 at 4:07 pm (6 months ago)

    Hi po, i was also a victim of that insurance knina lng. Can u pls help me panu ma icancel un. Sa credit card nila charge.

    Reply
    • Jillsabs
      October 26, 2018 at 7:02 am (6 months ago)

      Please read the post/s on Manila Bankers. Nandon ang tips on how to cancel the insurance policy.

      Reply
      • christine
        October 31, 2018 at 2:52 am (6 months ago)

        Mam Jillsabs, ng send na po ng mail for our letter of cancellation nung Oct 23,2018. but until now no reply po

        Reply
        • Jillsabs
          October 31, 2018 at 5:50 am (6 months ago)

          Hi Christine,

          One week pa lang ang nakakaraan, mejo maaga pa to expect a response from MB Life.

          Reply
      • Sansan
        October 31, 2018 at 10:11 am (6 months ago)

        Hi po ms. Jillsabs, ask lng po kelangan po ba idetalye ang reason for cancellation sa letter. And may case po b na d maapprove un kahit pasok pa nman sa cooling off period. Tumawag po k sa headofc nila e pag ngsubmit daw ng cancellation depende anu ang rison tpos kakausapin p daw yung agent. Bale for evaluation muna. May mga cases po ba na di naapprove khit nasa 15 days cooling off period pa. Naisahan tlga ako ng agent ng dinala ako dun. Ung 45mins nging 2hrs na. And closing nga po un. So since pagod n ko that time nung cnama ko sa ofc PArang nawala ako sa sarili . Ang problm ko nga po madaming pinasign pero d k n maalala lhat. Feeling ko nililigaw ka lng nila panay tanung ng kung anuanu para malibang ka without realizing n npapirma n pla ako.

        Reply
        • Jillsabs
          November 1, 2018 at 1:14 am (6 months ago)

          Hi Sansan,

          Kapag yung cancellation ay pinagawa sa loob ng 15 days cooling period, wala nang explanation na kailangan o evaluation na magaganap. Automatic cancellation yan. Wag kang maniwala sa MB Life na subject for approval pa nila yung cancellation request within the 15 day cooling period.

          Reply
          • Sansan
            November 1, 2018 at 7:25 am (6 months ago)

            Thank u po ms. Jillsabs sa tulong.

          • Mike
            December 1, 2018 at 12:59 pm (5 months ago)

            Hi po Ms. Jillsabs. Ano po ba ang email address ng IC para po maipadala ko rin sa kanila ang cancellation letter ko po. Thank you po!!

          • Jillsabs
            December 7, 2018 at 11:56 pm (4 months ago)

            Hi Mike,

            Heto ang contact page ng Insurance Commission: https://www.insurance.gov.ph/contact-us/

            Nandiyan ang email addresses and phone numbers nito.

  10. jean lyneth vitangcol
    November 9, 2018 at 1:43 am (5 months ago)

    hi ako 4 years na ko naghuhulog sa mb life. for many people its a scam. but technically it wasnt. kung di mo tlga gets kung ano use ng insurance, i feel sorry for all of you. kung babasahin nyo lng ung contract and policy maggamit nyo un in the future. pero s mga nd tlga gusto mag insurance, again i feel sorry. maybe you cant get your money back. ako never ako nagpauto debit and wala dn akong cc. i pay may insurance in cash.

    Reply
  11. Mel
    January 9, 2019 at 10:35 pm (3 months ago)

    I was victimized too by same modus, tanong ko lang poafter namin na filled-in ung raffle coupon pinapunta po kmi sa kanilang office then they also ask for our IDs and ATM’s. I handed over my ID and my mom’s ID. They also ask my mom’s atmyagain so I handed it over. We didn’t sign any papers aside from the raffle coupon and the log book (name, status and the bank we we’re using). I sensed that something fishy going on that time so we just to be safe, we closed my mom’s atm so they can’t get money from it. Do they can’t use my mom’s information or they still can to get money or anything from her? Thank you!!

    Reply
    • Jillsabs
      January 12, 2019 at 10:59 pm (3 months ago)

      Hi Mel,

      If na-close na yung ATM card, wala ng makukuha doon.

      Reply
    • Jana
      February 3, 2019 at 10:53 pm (2 months ago)

      Hello mam, pwede ko pa ba mabawi yung pera ko sa mb life kahit na sabihin nilang 2years contract yung saken??

      Reply
      • Jillsabs
        February 5, 2019 at 8:31 am (2 months ago)

        Hi Jana,

        Hanggang 15/30 days lang pagkatapos mo pumirma ng insurance contract ang “cooling off period”, kung saan pwede mong ipakansela ang insurance policy mo at makuha ang ibinayad mo.

        Kung mag dadalawang taon na ang insurance policy mo, hindi mo na pwedeng makuha ang naibayad mo. Pero pwede mong itigil ang pagbayad ng policy para matigil na rin ang insurance policy mo. Hindi naman kelangan na ipagpatuloy mo ang insurance coverage if ayaw mo na o hirap ka na sa pagbayad.

        Reply
  12. kat
    January 17, 2019 at 11:23 am (3 months ago)

    hi. ms jillsabs,

    unfortunately, nabiktima din ako ngyon ng MB life. same stories. kanina ako nag sign tas after an hour pinacancel ko din. kung sa cc po un binawas. mga gano po kaya katagal bago ko marefund ung binawas sakin ng mb life? 🙁

    Reply
    • Jillsabs
      January 18, 2019 at 9:56 pm (3 months ago)

      Hi Kat,

      It depends on your credit card provider. Call your credit card provider first to verify if a credit reversal was indeed made. If yes, it should take between 1-3 months.

      Reply
      • kat
        January 19, 2019 at 11:10 pm (3 months ago)

        hnd pa po narereverse. kase po ung agent na kumausap sakin.. since nag sign up ako sakanila d pdn po pumapasok. di pa po naeendorse ung cancellation letter ko sa cashier na mag eemail dw po sa head office nla.
        pero nagsend na dn po ako s email at ang eeply lang po e irereview pa etc.
        ano po ba right address ng insurance commission para ma cc po cla sa email?

        sobrang helpful po ng blog mo. sinusundan ko po ung mga gnawa nyo.

        Reply
  13. Caroline
    January 18, 2019 at 3:48 pm (3 months ago)

    Good day, Ms. Jillsabs! Your blog and all other people who stated their experiences really helped me out when I researched about MBLife. Unfortunately, I only did that after falling victim to their agents’ trickeries just this last Wednesday, January 16. Their agents just won’t stop talking to you about almost everything they can just so they can keep you entertained or in my opinion, to keep you from feeling anything suspicious; “feeling close” kumbaga.

    I just sent my cancellation letter earlier (I researched for samples on the internet and wrote one accordingly in my situation) using the email I read from one of the comments, “support@mblife.com.ph”. May I just ask if this still works? If this is still the email that I need to set as the addressee? And also, their address. Their website displays a different address than the one written here. Here it’s the 3rd Floor office and on the website, the 11th one.

    Help po, I might wait for a response that’s not gonna come if I made a mistake and the 15 days cooling off period can fly really quick. Thank you so much!

    Reply
    • Jillsabs
      January 18, 2019 at 9:50 pm (3 months ago)

      Hi Caroline,

      From what I know, the website address is still active, same with the MBLife mailing address. Please be sure to CC the Insurance Commission in your letter as well.

      Good luck!

      Reply
      • Caroline
        January 19, 2019 at 3:18 pm (3 months ago)

        Yes! I did CC the Insurance Commission’s email in the letter. Thank you very much! Do I have to call them on their hotline to follow up? Tell them I sent a cancellation letter or something?

        Reply
        • Krish
          January 28, 2019 at 2:02 pm (3 months ago)

          Hi Caroline,

          May I know kung anong naging result ng pag-cancel mo? I am having the same issue. Your reply would be highly appreciated. Thanks a lott!

          Reply
          • Carol Anne Conocido
            February 4, 2019 at 2:07 pm (2 months ago)

            Hello Krish,

            Nagresend ako ng cancellation letter using the email sa website nila: customercare@manilabankerslife.com. I think outdated na yung supportmblife.ph because I waited almost one week for them to respond pero wala akong natanggap.

            After resending to the customercare email, I received an email of ticket receipt, saying natanggap nila request ko and after five days, an acknowledgment to review my request. It says they have a standard process and they’ll give me a response once management comes to a decision and that email was six days ago, January 30.

            They also provided a website, a ticket portal where you can check the status of your cancellation (needs full name and email) di lang ako makalog-in kasi mali yung email na registered sa kanila so tinawag ko ngayon para baguhin.

            I’m just waiting for an email that it’s changed then I’ll check the ticket portal. Once I can access it at pag in process pa rin, (15 days daw and processing kasi kakausapin din nila yung agent involved who is given three days) tatawag ako ulit kasi I know I’ve given them an ample amount of time.

            If you’re trying to call thru provided hotlines nila sa website at either not in service or nire-redirect kayo sa another number to call (happened to me all day), try niyo itong customer service department hotline, (632) 843-4359 local 305.

            Ingat lang sa mga bastos sumagot ng concerns, kasi I encountered one, para bang ayaw niya yung trabaho niya’t he just wants the conversation to be over, para akong nagmumukhang mangmang sa tanong ko. Pero wag kayo papadaig. Kung maaari, wag kayo gumamit ng “po” not to be impolite, but to establish authority, at di nila isiping bata kayo.

  14. Miss A
    January 25, 2019 at 8:27 pm (3 months ago)

    Bigla akong natulala at nanlamig.. scam pala sya. Galing po ako sa Robinsons Galleria knina lang at ganun din may friendly agent at boom next thing I know pumipirma na ako ng forms at member na ako. Please help me to cancel my insurance po medyo malaking amount yun. Masakit sa puso.

    Reply
    • Carol Anne Conocido
      February 4, 2019 at 2:19 pm (2 months ago)

      Hello Miss A,

      Send your cancellation letter using the email sa website nila: customercare@manilabankerslife.com. I think outdated na yung supportmblife.ph because I waited almost one week for them to respond pero wala akong natanggap. CC the insurance commission email then make an email na addressed, not just CC’ed to them. Tinawagan ko kasi IC kung natanggap nila then they checked, when they saw nakaCC lang, sabi sa akin, gawa raw ako ng addressed sa kanila. I was informed I can also call at hanapin si Leila Espineli kasi she handles the concerns for MB Life. This tho, I wasn’t able to do kasi I think, ideally, morning ka tatawag (but I’ll be at work in morning) para andun pa siya, hapon kasi ako tumawag last time at wala siya.

      Once you send your cancellation letter, you should receive an email of ticket receipt, saying natanggap nila request mo then an acknowledgment to review your request. It says they have a standard process and they’ll give you a response once management comes to a decision. They will also provide a website, a ticket portal where you can check the status of your cancellation (needs full name and email).

      If you’re trying to call naman thru provided hotlines nila sa website at either not in service or nire-redirect kayo sa another number to call (happened to me all day), try mo itong customer service department hotline, (632) 843-4359 local 305.

      Ingat lang sa mga bastos sumagot ng concerns, kasi I encountered one, para bang ayaw niya yung trabaho niya’t he just wants the conversation to be over, para akong nagmumukhang mangmang sa tanong ko. Pero wag kayo papadaig. Kung maaari, wag kayo gumamit ng “po” not to be impolite, but to establish authority, at di nila isiping bata kayo.

      Reply
      • Mia
        March 2, 2019 at 5:41 pm (2 months ago)

        Hi po! Nakatanggap po ako ng reply thru email from mblife same sa comment niyu and also they texted me saying na i have to go sa galleria tapos eexplain nila sakin ung concern ko. Kailangan ko po bang gawin un? Ayoko na ngexplaination pwede po bang ung communication idaan thru phone nalang?

        Reply
        • Jillsabs
          March 9, 2019 at 4:48 pm (1 month ago)

          Hi Mia,

          Hindi mo kelangan pumunta sa MB office para maprocess ang cancellation at refund. Malamang susubukan ka lang kumbinsihin na wag nang itigil ang insurance contract.

          Reply
          • Mia
            March 10, 2019 at 10:18 pm (1 month ago)

            Thank you po sa blog niyo. At sa pagreply sa question ko. Tatawagan ko na lang po sila sa landline. Also hindi po ba nagrereply sa mga email at courier ang IC? Naka CC po sila sa email ko at nagpadala din po ako ng sulat. Pero thank you po talaga sa blog niyo. Nagrereview po ako para sa board exam at every time na naiisip ko ung nangyari sakin at sa binabayaran ko na sa credit card ko, sobrang nabubuwisit po ako sa sarili ko kasi nangyari sakin un. Pero ung info po at reply niyo is super helpful. Thank you.

  15. Miss A
    January 25, 2019 at 10:20 pm (3 months ago)

    Mam Caroline if possible let’s help each other po. Just made transaction with them earlier today. At pagkauwi ko bigla ko naisip isearch ang mb life. Upon reading na-open ko this very helpful site. And I realized everything.
    I hope you will response po. Maybe we can share contact numbers or email po. Naawa lang ako sa agent ending ako pala kawawa.
    thank you so much

    Reply
  16. Krish
    January 28, 2019 at 2:25 pm (3 months ago)

    Hi there!

    Need help din po. Sobrang nakakagunos. Nangyari lang po sa’kin ito kahapon. Pwede pong humingi ng advice? Thank you. Any response would be highly appreciated.

    Reply
    • joy
      February 18, 2019 at 3:17 pm (2 months ago)

      hi krish narefund mo ba yun pera mo ? ako din kasi nadali ako nun idang araw ngayon andito ko sa office nila sa rob ortigas

      Reply
  17. Marie Dugao
    January 30, 2019 at 9:43 pm (3 months ago)

    Sa mga gusto magkaroon ng insurance mahalagang magsearch muna. Nasa internet ang infos at may directive ang Insurance Commission na ang selling ng insurance should be partnered with banks. I believe maganda ang insurance kasi insurance combined with investment ito. Kungbaga tulad ng forced saving. I brought mine when I was 22/yo and my plan is to let it stay with the insurance company until I reach 60, or should an emergency occur that’s the only time I’ll withdraw it.

    Reply
  18. Margarita Onata Gayagaya
    February 2, 2019 at 9:37 am (3 months ago)

    Hi ganyan din po nangyari sakin dito sa robinson iloilo ang sabi skin ng lalaki na nasa entance banda may gift daw po aku as a shoppers, kilangan ko lang daw po valid id at debit or credit card minimum balance 15k ,so sabi ko bakit mu tianatanung? Para lang daw po yun sa pag claim if ever manalo aku. Hanggang sa dinala nya aku dun sa office nila kasi sabi nya kukunin daw yung gift ko. Pag katapus noon ang bilis ng mga pangyayari napa oo nila aku sa lahat pati atm ko at id kinuha nila di ko rin lubos maisip bakit pirma aku ng pirma sa lahat ng document na binibigay sakin di ko rin namalayan napa oo nila aku sa 14k na kukunin sa bank acc ko. Lahat po ng nangyari parang under control aku lahat sinusunod ko mapa pin ng atm ko at mga contract ay napirmahan ko. Nung umuwi aku don na bumalik yung katinuan ko at halos nanginginig yung buo kung katawan sa nangyari. Binalikan ko ulit ung office nila sa robinson ang gusto ko ipa cancel that day mismo peru ayaw nilang i cancel. Pag ka umagahan bumalik nanamn aku dun at manager na mismo ang nka usap ko halos nag kagulo na kmi dun peru ang sabi lang ng manager makakancel ko po daw yun peru wala akung mkukuha kahit sentimo .patulong naman po

    Reply
    • Jillsabs
      February 5, 2019 at 8:33 am (2 months ago)

      Hi Margarita,

      Nakasulat na sa post kung paano mapapa-cancel ang insurance contract at maibalik ang perang naibayad na. Pakisunod na lang ng mga steps na nakasulat.

      Reply
      • Angela
        February 23, 2019 at 3:53 pm (2 months ago)

        Hello ms. Jillsabs kaka-follow up ko lang po ngayon ng quit claim ko. Nagpunta ako office sa rob galleria nung monday and sabi ng agent sila na magpapasa sa head office. Nung finollow up ko sa agent ng tuesday di pa daw naipasa kasi walang pipirma and next week pa daw malalaman kung ready na ang quit claim,ang problema ko po pabalik na ako sa trabaho abroad nitong march 3. At ang sabi lang sakin ng agent di daw nila alam kelan magiging ready ang quit claim dahil office na daw nila ang mag iinform sa akin. Ask ko lang po if hindi ko man mapirmahan ang quit claim at i-close ko nalang ang account ko kusa run ba mag close ang insurance na napirmahan ko?

        Reply
        • Jillsabs
          March 9, 2019 at 4:58 pm (1 month ago)

          Hi Angela,

          Wala kang kelangang pirmahan para macancel ang insurance contract. If ever, ang kelangan mo lang pirmahan ay ang acknowledgment receipt ng refund check pag kinuha mo na ito.

          Reply
    • Jennifer
      March 24, 2019 at 5:47 pm (4 weeks ago)

      Mam Margarita, nakuha nyu pera nyu?
      TagaIloilo rin po ako?

      Reply
    • Jennifer
      March 24, 2019 at 5:55 pm (4 weeks ago)

      Mam Margarita, yun din po ang nagyari sa akun from Iloilo rin po ako, sa robinson Iloilo then po ako kinausap same case po tayo. Narefund po ba ang pera nyu?

      Reply
    • Jennifer
      March 24, 2019 at 5:55 pm (4 weeks ago)

      Mam Margarita, yun din po ang nagyari sa akun from Iloilo rin po ako, sa robinson Iloilo then po ako kinausap same case po tayo. Narefund po ba ang pera nyu? Help me po.

      Reply
  19. Lane
    February 6, 2019 at 6:44 pm (2 months ago)

    Same situation here sa SM Dasma.. Last January 30.. Nakabantay sila sa may ATM Machine tapos titignan daw nila ung resibo sa pagwithdraw after ko mag withdraw hinihintay talaga ako ng agent para dun sa resibo tapos binigay kasi nga wala 400 na lang naman laman nun tapos sabi nya qualified daw ako sa mga free shopping bag at raffle ng 150,000 ako naman si Tanga kasi nga free go lang and then ayun parang naging close na kami pinapunta na ako sa office sabi makinig lang daw ipapakila lang ung MB life insurance within 18 mins tapos grabe lagpas isang oras ako dun ayaw nila ako paalisin lalo na’t alam nila na may pera ka jusko!!! please help. Ano po gagawin ko? Parang nawala ako sa wisyo nun sabi na sige mam try na natin subject for approval pa naman yan credit card nyo kung papayagan kayo eh ako naman kasi nga ayaw nila ako paalisin tapos pilit kong sinasabi na sa March na ko kukuha ayaw nila eh nasa isip ko Shopmore naman ung CC ko baka nga di ma approve. Ayun na approve nakuhaan ako 7600 please help nasa cooling period pa nman ako please po

    Reply
  20. Jojit
    February 15, 2019 at 8:37 pm (2 months ago)

    Pa help po,pano magcancel sa MB life?

    Reply
  21. Suzanne
    February 17, 2019 at 12:05 am (2 months ago)

    Hi ms. Jillsabs, ask ko po if ilan ang maximum days para maibalik ang premium refund. Is it 30 to 45 days? Anu po b ang dapat gawin if until now d ko pa nkukuha ang refund ko. Last nov 2018 nila inaapprove ung cancellation ko but til now la pa din. More than 60 days na working days pa un. Lagi nila sinasabi na ttwag sila pg ok na. Ano po ba ang tamang gawin para mapabilis. Thank u.

    Reply
  22. joy
    February 18, 2019 at 3:20 pm (2 months ago)

    hi krish pedeng bang magtulungan tayo to get our money back ?

    Reply
  23. Joseph Marquez
    February 19, 2019 at 10:02 pm (2 months ago)

    Hayyyy nadali din ako nyan d2 sa Lucena City kanina lang. Same story din ng mga nabasa ko d2. Alam nyo yung pakiramdam na ang bigat bigat. Lalo p at nagaway kmi mag-asaw. Tama siguro n dumiretso n ako magsend ng cancellation letter kesa bumalik sa knila bukas. Basi kc sa mga comments walang nangyari eh. Patulong naman po bka maprovide nyo ako ng sample ng letter. Salamat po

    Reply
  24. MCA
    March 2, 2019 at 5:36 pm (2 months ago)

    Hi po! Sa mga nakapag cancel po at naibalik ung sapilitang chinarge sa kanila? Nag sumbit po ako ng email at nagreply sila and nagmessage din po sila sa text. Sabi nila pumunta daw po ako sa branch nila sa galleria ieexplain daw po sakin nung nakausap ko ung about sa concern ko. Kelangan ko pa po bang pumunta? Hindi po ako matapang sa ganyang confrontations. Akala ko po ung 30 days period is unquestionable na kapag nagdecide kang ipacancel hindi mo na kelangan mag explain? Tho ginawa ko un sa letter.

    Reply
    • Jillsabs
      March 9, 2019 at 4:48 pm (1 month ago)

      Hi Mia,

      Hindi mo kelangan pumunta sa MB office para maprocess ang cancellation at refund. Malamang susubukan ka lang kumbinsihin na wag nang itigil ang insurance contract.

      Reply
  25. Princess Moises
    March 6, 2019 at 11:53 am (1 month ago)

    Hi, sino na po nakapagrefund from MB Life? Help please.

    Reply
    • Jillsabs
      March 9, 2019 at 4:40 pm (1 month ago)

      Hi Princess,

      Nakalagay na sa lahat ng posts on MB kung paano ikakansel ang insurance contract at iparefund ang naibayad, pakibasa na lang.

      Reply
      • Clark
        March 14, 2019 at 1:43 am (1 month ago)

        Hi Ms. Jillsabs. Yesterday, I received a call ftom MB Life Makati Office confirming that my request for cancellation has already been aporoved. I emailed my cqncellation letter to last Feb. 18. Ayon sa agent na nakausap ko, kelangan ko daw magreport sa Makati Office to sign the waiver forms, tapos MB Life na daw ang mag settle nung 12,200 na na charged sa credit card ko. But the agent said that I need to pay Php500.00 for the policy cancellation fee & Php 500.00 for the administrative fee. At dahil 2 policy (LIFE SAVER POLICY at
        PERSONAL ACCIDENT INSURANCE POLICY) ang ibinigay sa akin nung agent nang hindi ko nalalaman, I need to pay 2,000. Tama ba yung sinisingil nila sa akin? I thought it was the same policy?
        Next friday pa ang schedule ko sa Makati Office.

        Reply
        • Jillsabs
          March 16, 2019 at 8:02 am (1 month ago)

          Hi Clark,

          Posibleng may admin fees nga na ipapatong ang MB Life, common naman yon. Pero hindi naman nakasalalay sa pagbayad ng admin and policy cancellation fees yung pag cancel ng policy mo, as long as pasok sa cooling period yung pagrequest ng cancellation, automatic cancellation na yon.

          Reply
    • Clark
      March 14, 2019 at 1:39 am (1 month ago)

      Hi Princess. Yesterday, I received a call ftom MB Life Makati Office confirming that my request for cancellation has already been aporoved. I emailed my cqncellation letter to last Feb. 18. Ayon sa agent na nakausap ko, kelangan ko daw magreport sa Makati Office to sign the waiver forms, tapos MB Life na daw ang mag settle nung 12,200 na na charged sa credit card ko. But the agent said that I need to pay Php500.00 for the policy cancellation fee & Php 500.00 for the administrative fee. At dahil 2 policy (LIFE SAVER POLICY at
      PERSONAL ACCIDENT INSURANCE POLICY) ang ibinigay sa akin nung agent nang hindi ko nalalaman, I need to pay 2,000. Next friday pa ang schedule ko sa Makati Office.

      Reply
      • Jamaima
        April 15, 2019 at 7:02 am (4 days ago)

        Ma’am sa email lng po b na toh kayo nag-email customercare@manilabanjerslife.com? Wala narin po ba kayong ibang ginawa after you send the email?

        Reply
  26. Efmar
    March 12, 2019 at 2:03 pm (1 month ago)

    Paano po kaya ma reklamo sa kinauukulan itong ginagawa ng manila bankers. Mga manloloko ang mga yan. Ako din nabiktima 2013 pa. Mag nag text sa akin na nanalo ako ng mga freebies at scholarship dati. dahil sayang naman pumunta ako sa office nila. Tapos sasabihan ka nag mag save daw sa Manila bankers. Kinlaro ko talaga na saving lang ang gagawin for five years. Tapos after five years mag pension ka daw for the next five years. Then after ma claim mo ang buong na save mo na money pagkatapos ng Sampung taon. Tapos while saving, makaka avail ka ng mga insurance from them. So savings lang daw. Yun ang akala ko. pero after nagpakahirap akong magbayad ng isang taon kasi kailangan kang bumalik sa kanila para i continue, hindi ako nakabalik kasi na assign ako sa mindanao. So nag email ako sa customer support nila ang sabi kapag di ko daw na continue mauubos daw yung kasi mag pipenalty. Nagtaka ako bakit mag pipenalty e savings naman yun. Mga manloloko! Sana may mag lalakas lood pumunta sa tulfo niyan para maglabasan lahat ng naloko diyan ng manila bankers kasi kawawa yung naghirap para kumita tapos ma hold-up lang nila.

    Reply
  27. Anne Realon
    March 22, 2019 at 9:42 am (4 weeks ago)

    Nascam din po ako. 21810.00 ang swipe sa credit card ko. Nakapagsigned in po ako sa lahat ng docs. Wala ako plan kumuha pero nasales talk ako. Mag1yr na po sa april 4 2019. Pero nakalagay don non refundable if irefund naman may pre termination fee. I need help. I need to refund the money..

    Reply
  28. Jamaima
    April 15, 2019 at 11:21 am (4 days ago)

    Ma’am ask ko lang pagkatapos mag email sa customercare ng mbp..need dn po bang mag email sa insurance commission? Please kelangn ko po ng help..Thank you

    Reply

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