Canadian insurance coverage firm denies demise declare, says type was fallacious


Florence Steele and her husband Harold lived collectively for 55 years.

The Cape Breton couple’s love affair got here to an finish in April when Harold died of a deteriorating well being.

On December 1, 2019, Harold and Florence acquired small life insurance coverage insurance policies with Toronto-based Ivory, which describes itself as a number one Canadian life insurance coverage supplier.

However when Florence tried to gather on her late husband’s $12,000 coverage this spring, the corporate denied the declare.

“I used to be shocked,” she instructed International Information throughout an interview outdoors her Delaware, Ont. dwelling, the place she lives together with her daughter, Danielle.

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“That was my largest downside: I trusted him,” stated Florence.

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In accordance with the denial, Harold had given incorrect solutions within the authentic utility he filed with the corporate.

The shape asks well being questions. However this coverage didn’t require any medical exams, blood exams or different proof earlier than it was authorized.

Florence says she and her husband answered well being questions in truth and to the very best of their capability on the time.

“We did the whole lot proper… however I feel we weren’t sensible sufficient,” stated Florence.

His daughter, Danielle, stated denying the declare was painful.

“It is exhausting sufficient when a member of the family passes away, nevertheless it’s terrifying to be taken benefit of like this. No household ought to undergo what we have been via,” Daniels stated.

“They have to respect the coverage,” stated Sivan Tumarchin, a Toronto lawyer whose follow makes a speciality of incapacity legislation.

He wrote to Ivory asking him to reevaluate the denial.

“Below the legislation, they’ve to indicate that there was some form of fraud initially,” Tumarchin stated.


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There isn’t a such allegation within the letter of denial to the beneficiary, Florence.

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Contacted by International Information, an Ivory spokesperson declined to debate the main points of the insurance coverage declare, citing confidentiality.

“In each occasion, ivari totally assesses the eligibility of a declare, adhering to our claims tips and coverage obligations. At Ivari, we pleasure ourselves on our dedication to our policyholders, which is our year- The year-over-year 2022 declare fee charge is over 99 %,” stated Suzette Chapman, senior vice chairman of communications and human assets with Ivory.

In a letter to Ivory, Tumarkin cited Ontario’s Insurance coverage Act, which permits firms to cancel insurance coverage insurance policies solely in the course of the first two years.

“Supplied that the insurance coverage contract is in impact for 2 years, the contract is now not void for misrepresentation or non-disclosure, except the non-disclosure or misrepresentation is each materials and fraudulent,” Tumarchin wrote.

“Have I seen it earlier than? I’ve seen it many occasions earlier than,” Tumarchin instructed International Information, talking in regards to the insurance coverage firm’s denial usually.

Danielle stated, “He ought to do what is correct and provides my mom what she deserves.”

“Individuals must know that they’ll discover themselves in the identical boat I am in,” stated Florence, who paid $2,900 in premiums by way of automated financial institution withdrawals.

© 2022 International Information, a division of Corus Leisure Inc.



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