Life insurance is a crucial element of financial planning offered through various channels including employers, banks, and independent brokers. It is intended to provide peace of mind that your family will be financially protected in the event of your death. When you decide to purchase a policy, you do so with the confidence that it will offer the necessary financial support to your loved ones.

Common reasons why life insurance claims are denied

Lack of disclosure or misrepresentation of health history
Death by suicide during the first two years of the policy coverage
An allegation that death occurred during the commission of a criminal offence
Errors or missing a deadline in the claim filing process

Our lawyers understand how insurance companies operate

Whether your claim involves death from natural causes, an accident, or other circumstances, our lawyers have the expertise and experience necessary to handle life insurance cases with care and professionalism.

Life insurance is often purchased by the insured person to help cover outstanding debts, funeral costs, and assist with the ongoing financial needs of surviving family members.

Not every lack of disclosure on the application for insurance is material (relevant) to the risk taken on by the insurer in offering insurance. Our lawyers know where to obtain the expert underwriting evidence necessary to dispute the insurer’s denial of your claim. We can prove the insurer should not have denied the claim.

Life insurance denials can add extra stress and turmoil during times of grief, particularly when the insurer alleges fraud on the application, death by suicide, or criminal activity. We can challenge the denial and will make every effort to minimize the stress of the lawsuit for you.

We work diligently to seek fair outcomes in negotiated settlements or at trial. Our goal is to secure the financial support the insured person intended to provide in order to manage the consequences of their loss. /p>

Your insurance agent/ broker may be liable

If your claim has been denied due to errors in the insured person’s application, our experienced lawyers are ready to explore all avenues for compensation with both the insurance company and the agent the insured trusted to protect their interests. We know how to prove negligence with expert evidence and by examining the application process undertaken by the agent.

Know your rights and act promptly

It is crucial not to delay when it comes to understanding and asserting your rights. Keep in mind that there is a limited timeframe to appeal or contest an insurance claim denial. Act swiftly to protect your interests.

Let our Experienced Lawyers Help

Our litigation lawyers handle life insurance cases in Ontario and across Canada.

We understand that you are grieving and that the denial of the insurance adds to your distress.

Let our lawyers advocate for your rights so that you can focus on yourself in this difficult time.

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Bilingual Disability Lawyers with the Right Expertise to Represent You anywhere in Canada

While our offices are in Toronto, Ottawa, Hawkesbury and Waterloo, we can be by your side and on your side across Canada, handling matters in the Atlantic and Western provinces as well as Northern Ontario. There is no need for you to travel. We come to you, or we handle your case virtually.
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