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sad woman disappointed by life insurance claimLife Insurance Claims Lawyer in Ontario

The unexpected death of a loved one is a very traumatic experience. A life insurance policy is meant to help alleviate the financial pressures following the death of a loved one. But what are your legal options when your life insurance company has denied your claim?

Asking a professional insurance claims lawyer to take a second look at your denied claim for life insurance coverage can make a huge difference.

Our Toronto and Hamilton life insurance policy lawyers can review your claim and deal with your insurance provider so that you can properly mourn without worrying.

Call Michael Lesage at 647-495-8995 today for a confidential assessment of your case

Upon discussing your life insurance claims case, our lawyers will:

  • Interpret your life insurance policy
  • Work with claims executives, examiners, adjusters on your behalf
  • Meet the strict deadlines for insurance claims
  • Fight for what is rightfully yours

In many cases, insurers try to deny life insurance claims simply because it is more profitable than paying them. They will provide all sorts of reasons and justifications for such denials, often using legal terms that are confusing and hard to understand. In many cases, they have wrongfully denied your claim.

If you think that your life insurance company has wrongfully denied payment, you deserve an experienced insurance lawyer to fight for your rights as the beneficiary. For close to ten years, I have been litigating insurance claims and helping my clients get what they deserve.

If your claim for life insurance proceeds has been denied, call Hamilton’s Michael Lesage at 647-495-8995 today for a confidential assessment of your case. There are no fees unless I win or settle your life insurance claim.

Frequently Asked Questions About Life Insurance Claims

In Ontario, policyholders and beneficiaries have rights under their life insurance policies, including the right to receive the policy’s benefits upon the insured’s death, as outlined in the policy terms. You have the right to be informed about the policy details, including coverage, exclusions, and premiums. If a claim is denied, you have the right to receive a written explanation and to contest the decision.
Common issues with life insurance policies include disputes over policy terms, beneficiaries, premium payments, and the interpretation of exclusions. Misrepresentations on the application can also lead to complications, as can delays in processing claims or outright denials based on the insurer’s assessment of the circumstances surrounding the death.
To contest a life insurance policy or claim decision, start by reviewing the policy to understand its terms and the insurer’s reasons for the decision. It’s advisable to consult with a lawyer experienced in life insurance disputes. A life insurance lawyer can help you gather evidence, communicate with the insurer, and if necessary, initiate legal proceedings to challenge the decision and seek the benefits you’re entitled to.
The time frame for a life insurance claim in Ontario can vary. Insurers typically have a period of 30 days to review the claim after receiving all necessary documents. If additional information is needed, this can extend the process. Generally, if a claim is straightforward, it may be settled within a few months. Complex cases, especially those involving disputes, typically take longer to resolve.
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