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.
Straight talk. Clear answers. Compassionate advocacy.
Why Families Choose Us for Life Insurance Denials
Insider Experience
We know how insurers deny claims because we used to act for them.
Fast, Decisive Intervention
Life insurance disputes move quickly; early action prevents insurer advantage.
Full Claim Handling
We manage paperwork, evidence, correspondence, and negotiations.
No Fee Unless We Win
Contingency options available for denial cases.
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?
Client Testimonials
See what our clients say about their experience with our firm and how we helped them through their personal injury claims.
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.
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.
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.
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.
Life Insurance FAQs (Alberta)
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.
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Free Consultation
We are listening.
Consultations are always free and we offer a complete commitment to our clients with no upfront legal fees unless we win.
Clear answers. Strong advocacy.
To start your free consultation, fill out the form. Or call us at 403-527-7736
SHIV GANESH
Personal Injury and Insurance Lawyer
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