corona icon We continue to serve new and existing clients and meet by way of telephone, email or video conference. COVID-19 Update. Click Here Close Icon

corona icon COVID-19 Update. Click Here Close Icon

At Zayouna Law Firm, we really take the time and go the extra step to get personally acquainted with our clients and their situations.

Schedule a Free Consultation Arrow Icon Consultation icon

Life Insurance

What is life insurance law?

Life insurance is not 100% guaranteed. A denied claim — and the resulting financial upheaval — can make your grief feel even more insurmountable, especially when the deceased is your family’s breadwinner.

At Zayouna Law Firm, we sympathize with your grief, and we are committed to helping honour their memory. We do this the best way we know how — to restore their financial legacy, and honour their final wish to keep you safe and secure. Our life insurance lawyers can help you fight a denied life insurance claim, and ensure you receive the benefits you are entitled to. 

Why You Need a Life Insurance Lawyer

No one ever dreams of collecting on a loved one’s life insurance policy. But it’s important to remember that they made the smart financial decision to secure your future with a life insurance policy — and you deserve that protection.

Challenges with Life Insurance Claims

A life insurance policy pays out a lump-sum death benefit following the death of your spouse, parent, or another family member. As the named beneficiary, you are entitled to this benefit. While no amount of money can ever replace a loved one, this benefit is crucial to your financial security, especially with the abrupt loss of income when the deceased was the main provider.

Insurance companies are known to dispute or worse, deny life insurance claims, and in the process, the legacy of financial security on bereaved families. Often, the claims process is complicated to navigate, leading to minor technicalities that prejudice your claim. Even when claims are granted, payments can be delayed or reduced.

File a Life Insurance Lawsuit

Were you denied life insurance benefits from the passing of a loved one? Our life insurance lawyers are here to help you fight the insurance company’s decision, and recover the rightful life insurance benefits that you are entitled to.

We can interpret the denial letter and respond to allegations of misrepresentation and non-payment of premiums. Our life insurance lawyers can present exhaustive evidence to build a strong claim and prove the validity of your life insurance benefits. Together, we can fight for your rights and ensure your financial security during this most difficult and uncertain time.

Who can claim life insurance benefits?

Purpose of Life Insurance

Life insurance is an investment in your family’s financial security — one that is designed to protect you and help ease the grief, upheaval, and uncertainty from the loss of a loved one.

Here are the most common financial needs that life insurance can help you secure:

  • Funeral and other final expenses
  • Lost income
  • Living expenses, including mortgage payments or rent, education costs, and food and other basic necessities
  • Outstanding debts and other financial obligations
  • Capital gains and estate taxes
  • Charity donations, and more.

Eligibility for Life Insurance Claims

Life insurance pays out a death benefit following the passing of the policyholder. As a named beneficiary, you are legally entitled to collect the benefit paid out from the policy. Typically, beneficiaries are next-of-kin, such as a spouse, child, parent, or another family member.

As a named beneficiary, you can also pursue legal action if your insurer declines to pay out the death benefit you are entitled to. Our life insurance lawyers can represent you in a lawsuit against the insurance company and help you recover the death benefit amount specified in the policy.

Our Life Insurance Lawsuit Process

At Zayouna Law Firm, we know how hard it is to lose a loved one. The grief, uncertainty, and drastic changes to your everyday life can be overwhelming. But you should not have to navigate these on your own. Our lawyers are here for you when life insurance fails.

  1. Consultation: Book a free consultation to discuss your life insurance claim and denied benefits. We can advise you of your legal options to pursue your rightful death benefit.
  1. File a life insurance lawsuit: We represent you in a lawsuit against your life insurance provider. We work with insurance and financial experts to prove the validity of your claim, the need for life insurance benefits, and the added losses you have suffered due to a denied benefit claim.
  1. Resolution: We strive to deliver your best outcome — recovered life insurance benefits and financial security as you navigate the complexities of grief and drastic lifestyle changes. Our fees are contingent, meaning we only charge once we win your case.

Trust Our Life Insurance Lawyers

Zayouna Law Firm is your life insurance lawyer. We understand your immense grief and the uncertainty you face, and we are dedicated to helping you through this ordeal. From consultation and representation, to benefit payout and the next chapter, our lawyers bring a wealth of expertise in insurance law to tirelessly advocate for your financial security and well-being in the face of this devastating loss.

  • Results: Your financial security is our success. We have represented and successfully claimed life insurance benefits for countless clients who need them most. We are dedicated to fully exhausting all legal channels to recover your rightful benefits.
  • Relationships: At Zayouna Law Firm, we take pride in building relationships — with the legal community, through the Ontario Trial Lawyers Association and the Ontario Bar Association, and most importantly with you, our clients. Our promise is constant communication and your full participation throughout the legal process.
  • Recovery: Our mission is your financial security and quality of life in the face of grief, trauma, and uncertainty. We advocate for you in and out of the courtroom, and ensure that you are never alone as you deal with this devastating loss.

FAQs About Life Insurance Lawsuits

It is in your best interest to act immediately upon receiving the notice of denial. The exact allowable period for commencing legal action depends on when the denial occurred, the reason, and when the policy had been entered into and whether it had been renewed.

Generally, you have two years to commence legal action for a denied insurance claim, but each case is unique. Speak with an experienced insurance lawyer right away to ensure you exhaust all your legal options and meet the filing deadlines.

Each life insurance policy and claim is unique. The success of your claim and the benefit amount you can recover depend on your case’s specific facts and the strength of the evidence. An experienced insurance lawyer will present exhaustive evidence to prove the validity of your claim, and ensure complete documentation of all the requirements, including proof of payment of insurance premiums.

Your insurer may present settlement offers throughout the legal proceedings, such as paying out the benefits plus potential damages you have incurred due to the denial. Your lawyer can review these offers with you and help you make an informed decision that ensures you receive a fair amount. If a settlement is not fair to you, your lawyer is fully prepared to fight for your claim in court and work towards the best possible verdict.

Get in touch.

We are here to help.
Please use the form below for
general inquires.

    Arrow Icon
    Location Map - Zayouna Law Firm



    10 Four Seasons Pl #510
    Toronto, ON M9B 6H7



    1940 Ironstone Dr. Unit #10
    Burlington, ON L7L 0E4



    Servicing all of Ontario