Share Perspectives : Issue 47, Sept 2014 - page 1

continued on page 2
IN PERSON:
Andrew Holmes
Accidental Death Deemed
Suicide by Life Insurance
Company; Claim Denied
Andrew Holmes, a 58-year-old
Operations Manager from Windsor,
Ontario, was found deceased on March
12, 2013, by his wife, Marie. Autopsy
and toxicology reports concluded
that the cause of death was a lethal
combination of pain killers and anti-
anxiety medications, which caused an
unintentional overdose.
HIS WIFE WAS HIS BENEFICIARY
A short while after Andrew’s funeral,
Marie, who had been a home-maker
throughout her marriage, put in a claim
for Andrew’s life insurance money. She
waited anxiously for a response so that
she could pay off the mortgage and the
bills that had been piling up since she
lost Andrew.
INSURANCE COMPANY
INVESTIGATES CLAIM
Since Andrew had purchased his life
insurance policy only 14 months prior
to his death, his claim fell within the
two-year contestability period. Marie
was assured by their financial advisor
that the insurance company’s request
for Andrew’s full medical records was
standard procedure at this point, but
they were blindsided when the insurance
company finally responded with a denial.
According to them, Marie would not be
receiving the $250,000 life insurance
benefit because Andrew’s death was
caused by suicide.
Marie was not only shocked, she was
furious that the insurance claims
manager accused Andrew of killing
himself. It was an insult to his memory
and a poor excuse not to pay her what
was rightfully hers.
Not knowing where to turn, she asked
her financial advisor for help. He handed
Marie a brochure from Share Lawyers,
assuring her that if anyone could help
her fight the insurance company’s denial,
Share Lawyers could.
Andrew’s death was incorrectly ruled a suicide by
his insurance company, leaving his wife to cope.
ISSUE 21, AUTUMN 2011
TEAM PROFILE:
Samantha Share,
Associate Lawyer
IN PERSON, Continued
QUOTABLE, Famous Quotes
ASK A LAWYER:
Life Insurance - Beneficiaries
& Contestability
DID YOU KNOW:
Suicide a Common Exclusion
in Life Insurance Policies
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ISSUE 47, SEPTEMBER 2014
Call (416) 488-9000 for your
free copy of Disability Benefits
Denied: What To Do When The
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