Don’t work here if you want a stable job or wish to advance your career. The company has been suffering financially ever since it’s bought by Manulife and have outsourced most jobs. There are layoffs every few months and minimum increase in salary or bonus for the ones that stay, with twice the amount of work. Technology is lacking and resources are scarce. It's all about cutting costs. Lower management will not treat employees with respect or value them at all. Senior management is brutal and cut throat. You can dedicate your service for years with no advancement and will only get a severance in return.