Denied a Life Insurance Claim in Ontario?
We understand how painful it can be to face a denied life insurance claim — especially while grieving the loss of a loved one.
If your life insurance claim has been denied in Ontario, you don’t have to face the insurance company alone. Led by lawyer Sivan Tumarkin, a national authority on insurance law, our experienced life insurance lawyers in Ontario help individuals and families challenge denied or delayed life insurance claims and secure the payouts they’re rightfully owed.
We offer free consultations, and you don’t pay us unless we succeed.
Why Life Insurance Claims Are Denied in Ontario
Our life insurance lawyers often see denied for a variety of reasons – some legitimate, but many based on questionable interpretations of the policy. Knowing the most common denial tactics can help you take the right next steps.
If the policyholder missed payments before passing, the insurer may claim the policy lapsed.
Certain causes of death, like risky activities, may fall under exclusion clauses that prevent payout.
Insurers may argue the policyholder failed to disclose medical history or other relevant details.
Claims are scrutinized if the policyholder passed away within two years of the policy starting.
For group policies, paperwork mistakes or missed enrollments can lead to wrongful denials.
If records are unclear, outdated, or missing key details, insurers may delay or reject the payout.
🚨 Don’t Appeal! Before you file an appeal with your insurance company, speak to us. Most internal appeals fail – and they can delay your right to pursue legal action.
You Have the Right to Challenge a Denied Life Insurance Claim
A denial doesn’t mean the end of your claim. In Ontario, life insurance companies don’t have the final say – the law does. Whether you’re dealing with a rejection based on non-payment, exclusions, or paperwork issues, you have the right to challenge that decision and pursue the payout you’re owed.
At Samfiru Tumarkin LLP, we regularly help individuals and families in Ontario overturn denied life insurance claims and secure the compensation they deserve. We understand how insurers operate, and we know how to push back – effectively and legally.
How Our Ontario Life Insurance Lawyers Can Help
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Review your denial letter
We assess the insurer’s reasons and identify any weak or unlawful justifications.
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Communicate with the insurance company
You won't need to speak to adjusters or navigate complex claim forms.
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Take legal action if necessary
If informal resolution fails, we’ll take legal steps to enforce your rights.
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Pursue full payout
We work to recover the total benefit — and ensure nothing is left on the table.
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Handle group & individual polices
Whether it’s an employer-provided or privately purchased policy, we can help.
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No fees unless we win
You pay nothing unless we successfully resolve your claim — consultations are free.
Success Stories: Real Results for Our Clients
Life Insurance Companies We’ve Taken On
Our lawyers have successfully handled claims involving many of Canada’s largest life insurance providers. Whether you’re dealing with a group or individual policy, we know how these companies operate – and how to hold them accountable.
Sun Life
Canada Life
RBC Insurance
BMO
CIBC
TD
Scotiabank
Desjardins
Blue Cross
Industrial Alliance
Beneva / SSQ
The Co-operators
Empire Life
Types of Claims We Handle
In addition to life insurance disputes, our lawyers help clients across Ontario with a range of denied insurance claims and employment matters.
Short-term Disability Claims
CPP Disability Benefits
Disability Tax Credit
Terminations Due To Illness
Forced Return to Work
Independent Medical Exams
Mortgage Insurance Disputes
Critical Illness Insurance
Personal Injury Claims
Wrongful Dismissal
Severance Packages
Employment Law Matters
Human Rights
Areas We Serve in Ontario
Our life insurance lawyers represent clients in communities across Ontario. Whether you’re in a major city or a smaller town, we can help – no in-person meetings required.
- Toronto
- Ottawa
- Ajax
- Aurora
- Barrie
- Belleville
- Brampton
- Brantford
- Burlington
- Cambridge
- Georgetown
- Guelph
- Hamilton
- Kanata
- Kawartha Lakes
- Kingston
- Kitchener
- Lindsay
- London
- Markham
- Milton
- Mississauga
- Newmarket
- North York
- Oakville
- Oshawa
- Peterborough
- Pickering
- Richmond Hill
- Sarnia
- Scarborough
- Sudbury
- Vaughan
- Waterloo
- Whitby
- Windsor
What Happens When You Contact Us
We understand that reaching out to a law firm can feel overwhelming. Here’s what you can expect when you connect with our Ontario life insurance legal team:
📞 Step 1: Free Consultation
You’ll speak with a member of our legal team – at no cost – about your denied or delayed claim and what comes next.
📋 Step 2: We Review Your Policy and Denial
We’ll assess the insurer’s reasons, your policy details, and any supporting documents to determine where the denial falls short.
📣 Step 3: Clear Legal Advice
We’ll explain your rights in plain language, with honest guidance and no pressure to move forward.
📁 Step 4: We Handle the Process
If you choose to work with us, we’ll handle all communication with the insurance company – so you don’t have to.
🔄 Step 5: Ongoing Support and Updates
You’ll always know where your case stands. We keep you informed and involved every step of the way.
Meet Our Life Insurance Lawyers in Ontario
Our team has represented thousands of clients across Ontario in insurance disputes — including denied life insurance claims. We understand how the industry works and know what it takes to successfully challenge an unfair decision. When you work with Samfiru Tumarkin LLP, you’re backed by the most positively reviewed law firm in Canada.
Meet Your Team
Why Choose Samfiru Tumarkin LLP
At Samfiru Tumarkin LLP, we’ve built our reputation on results and trust. Here’s why thousands across Ontario have chosen us to handle their insurance disputes - including life insurance denials:
Canada’s Most Positively Reviewed Insurance Law Firm
With over 2,000 five-star reviews, our clients consistently praise our compassion, communication, and results.
Millions Recovered from Insurance Companies
We’ve secured millions in settlements for clients wrongfully denied life insurance, disability, and critical illness benefits.
Thousands Helped Across Ontario
Our lawyers have supported clients in Toronto, Ottawa, and across Ontario through every stage of the life insurance claim process.
No Fees Unless We Win
With our contingency fee option, there’s no financial risk. You only pay if we recover compensation.
What Our Clients Say⭐See All Reviews⭐
What does a life insurance lawyer do?
A life insurance lawyer helps individuals and families challenge denied or delayed insurance claims. They review the policy, assess the denial, and take legal action if necessary to recover the payout owed to the beneficiary.
Can a lawyer help if my life insurance claim was denied?
Yes. If your life insurance claim was denied in Ontario, a lawyer can advise you on your rights, identify flaws in the insurer’s reasoning, and work to recover the full benefit – often without going to court.
Why would a life insurance claim be denied?
Claims are often denied due to alleged misrepresentation, missed payments, or policy exclusions. Some denials are legitimate, but many are based on questionable interpretations of the contract. A lawyer can help clarify your options.
What if the policy was through an employer?
Even if the life insurance policy was part of a group plan through work, you still have the right to challenge a denial. Our lawyers regularly handle claims involving employer-provided coverage.
How long do I have to dispute a life insurance denial in Ontario?
Strict deadlines may apply depending on the policy and type of plan. It’s important to speak with a lawyer as soon as possible to avoid missing your chance to take legal action.