Life Insurance Claim Denied or Delayed?

We Used to Work for Insurers — Now We Fight for Alberta Families

A denied life insurance claim creates financial strain at the worst possible time. Insurers know families are vulnerable — and they use delay, technicalities, and misinterpretations to avoid paying out. For nearly a decade, we defended insurance companies. Now we use that insider knowledge to help Alberta families get the benefits they're owed.

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Straight talk. Clear answers. Compassionate advocacy.

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Why Families Choose Us for Life Insurance Denials

Insider Experience

Insider Experience

We know how insurers deny claims because we used to act for them.

Fast, Decisive Intervention

Fast, Decisive Intervention

Life insurance disputes move quickly; early action prevents insurer advantage.

Full Claim Handling

Full Claim Handling

We manage paperwork, evidence, correspondence, and negotiations.

No Fee Unless We Win

No Fee Unless We Win

Contingency options available for denial cases.

Compassionate Support

Compassionate Support

Clear communication during an already difficult time.

Denied or delayed claim?

Types of Life Insurance Claims We Handle

Insurance Claims We Handle

Misrepresentation & Application Errors

Contestability Period Denials (first 24 months)

Medical History & Non-Disclosure Allegations

Alcohol/Drug Use Exclusions

Suicide Clause Disputes

Accidental Death & Dismemberment (AD&D) Denials

Delay Tactics & Endless Requests for Records

Policy Lapse / Non-Payment of Premium Disputes

Beneficiary Disputes

Fraud Allegations

Reinstatement Disputes

Group Life Insurance Denials

Critical Illness & Additional Riders

Common Reasons for Disputes

Misrepresentation in the initial application

Undisclosed medical condition

Not covered under the policy

Cause of death excluded

Suicide exclusion applies

Policy lapsed before death

Insufficient evidence

Death not accidental under AD&D terms

Claim still under investigation (ongoing delays)

Fraud suspected

What to Do After a Life Claim Denial

  • 1
  • Save the denial letter

    This outlines the insurer's position.

  • 2
  • Do not give further statements

    Without advice.

  • 3
  • Collect relevant medical and policy documents

    We help with this.

  • 4
  • Do not assume the denial is final

    Most are challengeable.

  • 5
  • Talk to a lawyer

    Timelines and limitation periods matter.

Need clarity now?

What to Do After a Life Claim Denial

Client Testimonials

See what our clients say about their experience with our firm and how we helped them through their personal injury claims.

Five-star review rating

I would highly recommend Shiv Ganesh with Wilson Laycraft for a lawyer. He is down to earth, got right to work and didn't BS around, but got to the point of the matter. He listened intensely and communicated well. He is highly knowledgeable in his field . I would DEFINITELY have him represent myself or any family member, friend or acquaintance that needed a GREAT lawyer.

D. N.

Five-star review rating

Shiv is absolutely fantastic at what he does. I was a pedestrian struck by a vehicle and he has been nothing but diligent, devoted, professional, and dedicated to get the best result possible for me. I am extremely grateful to have had him work on my case and will be recommending him whenever possible.

L. E.

Five-star review rating

My consultation with Shiv was excellent from beginning to end. He replied promptly, reviewed my paperwork ahead of time, and booked me in without any delays. The appointment itself was on time, efficient, and highly professional. I left genuinely impressed with how smooth and streamlined the entire process was.

C. W.

Five-star review rating

I appreciated how prepared Shiv was for my consult. He reviewed my documents ahead of time, booked me in on short notice, and started exactly on time. The meeting was efficient and well-run, and everything I needed was addressed clearly. Excellent service.

K. W.

Five-star review rating

I recommend Shiv for his professional and honest legal counsel. He provided me with a clear and thorough insurance coverage opinion during a very difficult time, ensuring I understood exactly where I stood. I truly appreciated their straightforward communication, compassion, and fairness regarding my legal fees

Rami H

Five-star review rating

Working with Shiv and his team was a great experience. They explained everything clearly, handled the insurance process from start to finish, and always kept me updated. Professional, responsive, and easy to work with. I'd strongly recommend them to anyone needing help with an injury or insurance claim.

Mohand Shhadeh

Five-star review rating

I had a very positive experience with Shiv and his team. They made the process easy to understand, handled the paperwork and insurance issues, and were always quick to respond. Great service and highly recommended.

Marinka Avramovic

Five-star review rating

I hired Shiv for a very complex insurance matter with major liability risk. Within 90 days of taking over the file, he broke down the issues, developed a clear strategy, and significantly reduced the potential exposure. His work has likely saved me hundreds of thousands of dollars. Shiv is efficient, proactive, and knows how to handle high-stakes insurance disputes. I highly recommend him.

Wuilly Archila

Five-star review rating

Shiv is an absolutely fantastic lawyer and did not leave any stone unturned. He was methodical in approach and frequently showed us why his experience, professionalism, along side his reputation and network, was of exemplary standards. He really surpassed my expectations and I owe so much gratitude today for my family's wellbeing.

Daniel Gounder

Five-star review rating

I appreciated how prepared Shiv was for my consult. He reviewed my documents ahead of time, booked me in on short notice, and started exactly on time. The meeting was efficient and well-run, and everything I needed was addressed clearly. Excellent service.

Kasun Warnakulasooriya

Five-star review rating

I worked with Shiv and Candace through a car accident/injury claim that had some complexities relating to apportionment and liability disputes. They were exceptionally helpful and made sure to maximize the compensation, providing support along the way. If you have an accident claim and need legal assistance in the Lethbridge area, I would definitely reach out to Shiv and his team.

Brett Clifton

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Life Insurance FAQs (Alberta)

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Trusted by Albertans

for serious injury claims.

Nearly a decade of experience defending insurers — now fighting for you. Member of the Canadian Bar Association, Alberta Civil Trial Lawyers Association (ACTLA), and the Law Society of Alberta. Backed by strong testimonials and proven advocacy.

The Canadian Bar Association
The Law Society of Alberta
The Alberta Civil Trial Lawyers Association
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Clear answers. Strong advocacy.

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Call us at 403-527-7736 Or Text us at 403-527-7736

Shiv Ganesh

SHIV GANESH

Personal Injury and Insurance Lawyer

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Life Insurance Denial Lawyer in Alberta | Insurance Dispute Lawyer