Step 1: Tell me
Email asklifeinsurance1@gmail.com with what happened and what you would like done. I will acknowledge it within two business days and give you an answer in writing.
Step 2: The insurer's complaint officer
Every life and health insurer has a complaints process and a complaint officer. If your concern is about a policy, a premium or a claim decision, the insurer must review it and give you a final position letter. OLHI keeps a list of insurer complaint contacts.
Step 3: OLHI
If you are not satisfied with the insurer's final position, the OmbudService for Life and Health Insurance (OLHI) offers a free and independent review. You can submit a complaint online at olhi.ca or call 1-888-295-8112.
Step 4: FSRA
The Financial Services Regulatory Authority of Ontario licenses agents and insurers and looks into conduct that may breach Ontario's Insurance Act. You can file a complaint about an agent or an insurer on FSRA's website, fsrao.ca.
What helps
Keep copies of your policy, any letters or emails, and notes of dates and conversations. Clear records make a review faster at every step.
Sources
Written and reviewed by Sandeep Singh Pawar, licensed life insurance agent in Ontario. Last reviewed .