Understanding the Importance of Life Insurance

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
  • 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 Services

If your insurance claim has been delayed or denied, our dedicated team is ready to guide you through the process and fight for a successful outcome.

Accidental Death And Dismemberment Claims

If you need help to challenge the denial of AD&D benefits, you can rely on our team. We will evaluate your case and collect evidence to appeal the decision, ensuring your compensation is paid in full.

Critical Illness Insurance Claims

Facing a critical illness is challenging enough without the added stress of a denied claim. Our lawyers will assess your case, clarify your rights, and fight to secure the benefits outlined in your policy.

Long Term Care Insurance Claims

If your long-term care insurance claim is denied, our team is here to help. We’ll work diligently to secure the benefits you deserve, ensuring you have the financial support needed for care.

Travel Medical Insurance Claims

Medical emergencies while travelling can result in significant unexpected costs. If your travel medical insurance claim has been denied, we’ll step in to recover the coverage and reimbursements promised in your policy.

Life Insurance Claims

Losing a loved one is a grieving loss, and a denied life insurance claim only adds up to the stress. We’ll support you in navigating the claims process to pursue the financial assistance your family is owed.

Loan Insurance Disability Claims

Loan insurance is meant to safeguard your financial stability when illness or injury prevents you from working. If your claim is denied, we’ll challenge the insurer’s decision and work to ensure you receive the benefits you are entitled to.

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.

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.

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.

Contact us today at 613-233-6898.

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What Our Clients Say

I couldn't be more pleased with the way my case was handled. Eliane was extremely supportive and worked diligently on my case. Her knowledge and guidance led to a pleasing outcome. Thank you to Eliane, her secretary's, reception and anyone else involved in my case. I wish you all the best in the future. Your an exceptional team. I highly recommend Eliane Lachaine.
5 stars
Helen Schutt
My personal experience in dealing with Alison at the firm was outstanding. She was always available to answer any questions or concerns I had in dealing with the insurance company. Alison was always upfront and honest with me about the results we were able to obtain. She worked hard for me and was very aggressive and no nonsense during our mediation meeting. My Ltd carrier made an strong effort to minimize the benifits I was entitled to, but Alison was having none of that. She got the results we were hoping for. I can't thank Alison enough for the help, and respect she gave me throughout the whole process.
5 stars
Lyle Fisher
My interaction with this law firm has been positive from right from the beginning exploratory conversations, which were handled with sensitivity and clarity, to the end result, which I felt was very fair. I was fully informed about possible outcomes as the process unfolded, so there were no surprises. I highly recommend the law firm of Burn Tucker Lachaine.
5 stars
Debby Clarke
I would highly recommend this firm. My lawyer’s composure, knowledge, work ethic and most of all excellent representation put me at ease during this stressful time. My most sincere thanks for a positive outcome. Thank you Alison!
5 stars
Karen T
My experience with being represented by Alison Gilmour was extremely positive. She took the time to know me as a person Alison carefully presented options and enthusiastically supported my decisions.
5 stars
Laurel Mollison
Alison and her team made this process extremely stress free and would highly recommend them to anyone who needs a disability lawyer. She took care of all the works so I could focus on my health.
5 stars
Kaitlynn Friesen
Forever grateful for the exceptional help, care and knowledge from the team at Burn Tucker Lachaine. Highly recommend to contact for any personal injury journey.
5 stars
Kayla P
Had a great experience with the team at Burn Tucker Lachaîne everyone is very pleasant and thoughtful, Colleen great work, definitely will recommend to family and friends.
5 stars
Lindamir Schuchardt
This team of professionals were able to assist me and I would highly recommend them.
5 stars
Lori Toffolo

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