Insurance Claim Problems? Get a Top Notch Legal Opinion

Having Claim Problems? We can help!

Are you the beneficiary of a life insurance or disability insurance contract or an automobile injury claim, and find yourself at a stalemate with an insurance company?

Insurance claims aren’t easy. The insurance company has a legal department and an army of lawyers. It’s you against a stacked team.

We’ve decided to even your odds.

Just tell us your story in the comment box below and we’ll get you assistance with your problem from the law firm of Andrew Suboch B.A., LL.B. which has over 30 years experience successfully fighting insurance companies.

Successful litigation of personal injury claims, insurance lawsuits and claims settlement are our specialty.

Terms of Use – Disclaimer

PS. This page is for life and health insurance claim advice. We have a separate page for auto and property insurance claim advice.

True Stories

Background

At LSM Insurance, we are dedicated to helping life insurance claimants get a fair shake from insurers. We have always offered claim assistance to our own customers and are excited to announce our latest project.

We have teamed up with one of the top legal firms in Canada to help life insurance claimants get a legal opinion on their situation – for free.

Just tell us your story in the box below and we will give you our best advice based on areas injury law palm beach serve and the circumstances. Of course, we can’t investigate all the details over the internet, but if you tell us the full story, we can give you a pretty good idea of what your options and what your chances are.

We do sometimes publish our advice as a service to other consumers, but we always remove any personally identifying details from what you send us.

Tell us Your Story




Get the law on your side.

andrew
Andrew Suboch B.A., LL.B.

Andrew Suboch B.A., LL.B.

Barrister-At-Law

• Toronto Lawyer
• Personal Injury Attorney
• Dog Bites
• Motor Vehicle Accidents
• Wrongful Dismissal Claims
• Short Term Disability
• Long Term Disability
• Sickness / Accident Leave
• Pedestrian Knock Downs

More about Andrew.

Lloyd J
Lloyd J

My dad passed on …. I am the sole beneficiary of the life policy,I checked on the status of the policy and … told me it was all ready to go , but they were holding payout until the executors finalized his income tax.I am not the executor to the estate and have been informed that the benefits have no part in his personal income tax. Are they just holding it to collect the interest , and if so what action can I take.

Andy Suboch
Andy Suboch

Sir, If the Court finds that your partner intentionally failed to disclose a pre-existing condition then I am of the opinion, even if the pre-existing condition DID NOT materially contribute to her demise, a Court could find that the policy was void ab initio ie. from the beginning. If the insurer is taking that position, then they should return the policy premiums. If they have failed to return the policy premiums and take that position, then their failure to return such premiums make be an estopple to raising the non-disclosure as a defence. A bigger problem may be that your… Read more »

Charles
Charles

My deceased partner died from cancer june 2009 but her insurer refuses to honor her policy because she failed to dis-close on her application form that she had diabetes.
Her doctor states that diabetes did not contribute to her demise and that her diabetes was being managed and was under control at the time of her death Have I any options Thanks

Andy Suboch
Andy Suboch

To find out if the payout is “legit” should be relatively easy – you merely need to get a copy of the “Declarations page” from the insurer. This is a document that shows the policy’s limits, when purchased, when effective and for what risks the insurance was issued. The insurer should provide you with a copy; if they won’t, then you should be very suspicious. If they don’t, go to insurer’s Ombudsman or to the Financial Services Commission of Ontario. The Executor of your Father’s Will and Last Testament should be the person proceeding in such a manner. Given your… Read more »

Jason K
Jason K

Hello, my fathers annual income was approx. 150,000. Or more a year.
When he passed his life insurance PD only 40,000 total. We could not locate original policy. How can I see that this is the legit payout? His company is worth approx 1.5 million and the amount seems low. Thank you for any response.

Andy Suboch
Andy Suboch

I am sorry to hear of your loss and extend my condolences re your husband’s passing. I have been asked to respond to the below. I am a lawyer who has been licensed to practice law in the Province of Ontario for more than 20 years. The areas of which I concentrate are personal injury and insurance matters. A case that I argued last year both at trial and on appeal – Bawden v Wawanesa Mutual Insurance Company – has been called one of the year’s most important in terms of coverage matters [we won at both instances]. From the… Read more »

louis
louis

Hi I took out a policy in … We fell on difficult times. The policy lapse. We building a complex at the time, so went back and borrow an additional ..to complete the building. The insurance company we borrowed the monies from said we needed to take more coverage . We took out a term insurance for …. The 30k, was to apply the mortgage and the difference goes to me as the beneficiary. We got the ok to complete the building in august because the policy was approved in august ….. My insurance brought us the contracts in November… Read more »

Paula
Paula

I took out a critical illness policy on a …. . I found out I had cancer on July 15, 2014. I am fine with the 90 day waiting period from the Jan 23 date. but what concerns me is that my family doctor has in her records that I a polyp was found in Aug. 2013 and that I had irregular bleeding in …. Will the insurance company look at that as a pre-existing condition. Every woman and man have all kinds of polyps and possible cancer was never mentioned. Also women in menopause bleed irregularly all the time.… Read more »

Ray
Ray

My dad passed on in 2007 and there was no claim at old mutual will I b able 2 claim now and get the benefits?

Ewan
Ewan

Hello, me and my husband had bought a house more than a year ago and obtained a life insurance which covers our mortgage in case if one of us gets hurt. After 5 months my husband had to go through surgery and is unable to work. We submitted all necessary documents and claims right after surgery and had been waiting for the answer from insurance company for 8 months already. But they keep saying that our claim is in process.
Are there legal deadlines for the company to pay us? How long should we wait before going to the lawyer?

dawn
dawn

My father has 3 daughters from his first marriage and 2 daughters from his common law marriage. He was common law with a woman who had 2 boys. All together there is 7 children between them. My father worked for over 30 years for the city of scarborough Ontario as a garbage man. He always told us we would be taken care of. He died 3 years ago and we never heard a thing about insurance or assets of his. I assumed his common law wife received his pension and life insurance. Well she has passed now too. Do I… Read more »

Karen
Karen

Dear Sir, My daughter’s father was murdered on his front lawn 3 years in ….. He had taken out a life insurance policy with …… in the event of his death in trust to me for our daughter. I filled out all their forms, sent a copy of the death certificate and they then asked for the coroner’s report. Police told me that I need a lawyer and they are not allowed to ask for that. I read through the policy and it stated “self-inflicted death” (ie suicide) was not covered. His death was ruled a clear cut homicide. The… Read more »

Frank
Frank

My doctor recommend to my employer and I that I work straight days for a period of time to help with my anxiety and depression. While on off shift my condition worsens. It tends to lead to longer breaks leaving early crying and generally breaking down more often. So my employer had told me to go on std cause they can not accommodate straight days. Work did not schedule me since …. even thought I had asked two of my supervisors for hours I was told to take the time and come back when I was better. Now 5 weeks… Read more »

Joey
Joey

I have had a preventable injury at work my neck and shoulder was killing me because the hitch on the mule I was driving was sticking so I wrote it on the safety sheet that I needs to be greased and I told …. I even told super visors on the other shift because the maintenance was not working on midnights I wrote letters and stuck them in all the managements mailboxes just so someone could fix it before my shoulder goes out again but nobody would listen and my neck and shoulder went out It’s a very long story… Read more »

jeremy w
jeremy w

I have money entitled to me but I don’t know the insurance company’s name ..its been there till I turned 21 and I’m 22 years old. My Mother passed away by accident from the driver going over a cliff in BC and I don’t know how or where to find it

Karl
Karl

Comment:
Have worked for employer 13 yrs.just recieved f/t in June 2013.Went off on short term disability and have now been denied ltd because I have a pre existing illness and haven’t had benefits for at least a yr.
Unable to work .What to do?

jordan
jordan

Hi,In the 1980s i bought a life insurance policy through avco,in fort st john bc,My mom was the benneficary and she has passed away, is there anyway you can help me to find out where this policy is ty very much jerry

June
June

My … year old partner was recently hospitalized for strokes in … . As a result, he has not been able to return to work. He earned 2/3 of our family income. He works for a union and has benefits, however his disability claim was denied. The reasoning was that his strokes were caused by severe migraines, which were caused by post-concussion syndrome as a result of an MVA in Nov. 2011. Symptoms of post-concussion syndrome did not develop for several months,he did not seek treatment for several more months due to pride. He was referred to a neurologist who… Read more »

nocatala
nocatala

i made a claim on Tuesday about my husband death,they say my money will be available on Friday at 00:00am bt still no notification about my money.

Sandra Jacobs
Sandra Jacobs

We paid $10,000 for a funeral expense plan with Purple Shield to get paid $6000 on my Mothers’ death. Is 40% a little steep for insurance costs?

Mike S. Ward
Mike S. Ward

I have been unsuccessful in getting any replies from BMO insureance about my policy.I would like an updated version of my account.With proper forms for change of address,beneficiary to fill out.My main concernces are I have never missed a monthly payment and now have paid more into claim than what i’ll receive.I was never informed about changes from BMO when they took over from IGA.Was told if I want to stop claim I will get $1.43 for all the money I have put into,never was I told about these changes!Send me all forms and updates to 259 box 14 Nelson… Read more »

Kirsten
Kirsten

Hello

We had an accident while away and had to tow our car back to Ontario.
Our car is a total write off, we had just had the engine replaced 2 days before the accident along with the whole front end work done 1 week before our engine ceased. Insurance says they will consider the engine work bill. Do they have to look at all the major work we had done which was about 5000 in repairs? What are they obligated to pay out as they have the vehicle as an 2006 with 170k instead of 98k that they engine now has

Tony
Tony

i went on long term disability with cpp in ….. i just realized i have insurance on my line of credit for my business (which i sold in …)
i have initiated a claim and am awaiting to hear from insurance company. question. do i have to tell them i sold my shares of company and for how much? can i retro the claim to start of disability? is claim amount based on the balance of line of credit at start date of disability?

TA
TA

hi my dad just passed away and had a …. he paid over 7000.00 into it but the amount was only 1800.00 is there anything i can do to recover all the money he paid into it? …. said its one of their old policies, i wonder how many other people are paying into the same policy thinking they will receive much more than 1800.00

Robert
Robert

Hello Andrew. I’ve bin having a lot of problems with the Insurance company My first call from … was very unpleasant. The questions they were asking me made me feel upset. They were prying into my personal life. My Doctor has sent a number of reports to the based on my condition. I have bin with out pay for over a month and the still want more information. I do not know what to do. I am forced to return back to work next week …. . I have so many Doctor’s App that I have to take time off… Read more »

Ray
Ray

We have been getting the travel insurance through …. which ended up being a ….. out of Saskatchewan that gave us an annual coverage that covered us for 35 days 100% coverage then if we went longer would top it up for 2 months. I sprained my …..l and was told to go to the Eisenhower ER That was March and it was only just over $400 and still has not been paid out so now I have a collection agency calling and harassing me. My policy was …….

Joyce
Joyce

My father had irrevocable trust leaving 2 sisters as trustees. His trust states they have all right with the exception of life insurance. Does all of the beneficiaries’ have the right to know who received the life insurance as well as who received individual item that have not been provided for sell or for one of the beneficiaries’ to keep

LD
LD

I was involved in accident on ….. I was getting into the truck and my foot got slipped and i fall down. I enjured my back. Since then i am not able to wrok my policy…. . Please call me or send me the clam forms. Thank you.

PG
PG

I am on canada pension disability for three years since being diagnosed with squamas cell carcinoma and was treated with radiation and chemo and can not work anymore so wanto know if there is any help from my insurance or is there any point in continuing with it.

Ian R
Ian R

Found life ins father dated …. was it paid out? Policy number ….

Helena
Helena

Hello do you deal with denial of mortgage life insurance? I am a financial planner and I representing my client; here is her story her husband past way in Feb this year and she applied for the Mtg Ins. she received a letter stating due to his medical conditions and that he did not reveal it at the time of application that we was denied.

Is there anything that can be done I am looking for a solution to help this family.

Thank you,

Helena

Hilda
Hilda

My father had a polisie for me.he died 16 years ago he left my grandmother incharge of the money but she wants nothing to do with me.i need the money im 19 years old an i have a baby she is 4 months old my boyfrend lost his job so need the money to take care of me and my baby girl please help me

Dave
Dave

My late wife and I purchased insurance about a in….. . We were accepted, with a 2 year suicide clause provision. My wife about 3 months ago was diagnosed with Borderline personality disorder and Bipolar Depression, due to this issue she was placed on many different meds which were not working for her. She ended her life. I was understood that there were provisions made to protect those with these types of disorders with regards to insurance. I just received a letter from the insurer that my claim was denied and they refunded the money we paid into the policy.… Read more »

Philip
Philip

I am former … employee. I have pension plan ….. What benefits are available to me. B.M.O does not appear to have records.

Maribeth
Maribeth

I am trying to look up my life insurance polocy

EM
EM

My husband passed away …. . I am his wife and would like to claim the insurance settlement.
The contact humber I have is no longer in service. Please give me directions.
Thank You

DIANE FREEMAN
DIANE FREEMAN

I worked for a company for ten years and had life ins. they shut down ,i went to work at another textile company we had life ins but they dropped it ,,heres the kicker one guy recieved a check for back payments a refund so my question ,,the company i worked for for ten years dont they owe me me a percentage of my payments back im not dead ,,,

Deno B
Deno B

Hello, My Dad passed away on …. 2013. His Wife ( my mom) passed away on …. 2013. We found a London Life ….. . Is there anything that should be done with this policy? Thanks.
Deno Bartman

Peter
Peter

My mother passed away and we found a group policy from my father’s work. I would like to know if there are unclaimed funds. Group Policy No…..

Lee-Ann
Lee-Ann

Hello, I am hoping you can answer a question for me. Recently a friend of mine committed suicide. He left behind a 4 year old, a 1 year old and a beautiful wife. They had life insurance and mortgage insurance. It turns out he committed suicide 7 days before the 2 year suicide clause was up. His agent indicated he would fight for the family with the insurer, and try to get the claim paid as it was within 1 week of the 2 year clause expiring and would do so as it was a hardship case. The insurer ultimately… Read more »

Mario
Mario

Dear BMO Insurance, I am enquiring about Michelle Bechamp’s policy. I am the beneficiary and paying for the insurance. I think I am to renew this August, can someone please look into this and get back to me. I can give you the policy number. Thank you

Orysia
Orysia

Hi I was sent some information on a life insurance policy, in case I became ill.
I must have given my Visa number to person.
I do not want the insurance. Please cancel and do not charge my visa card anymore.
My name is Orysia ….
Thanks,

Arlene
Arlene

I am interested in actually talking to someone there regarding disability insurance that would pay if something was to happen and was unable to work? Please contact me thank you!

shelley
shelley

I have applied for my ltd benefits in april 2013 no response since
I have been requested to put pressure on my doctor and his staff for documents requested by your ins company.
This is not my job to do so….
I would like a response to my claim in writing by mail….
I have not received any support from my employer or else….
please help me