Misrepresentation in Life Insurance Applications — Legal Defenses

When a loved one passes away, families expect their life insurance to provide financial security. But "misrepresentation" is one of the most common reasons Alberta insurers **refuse** to pay legitimate life-insurance claims.

The alleged errors are often **minor, unintentional, or irrelevant** to the cause of death—yet insurers use these technicalities to delay or deny payment, leaving families struggling during an already difficult time.

As Alberta insurance lawyers, we know exactly how misrepresentation is handled—and most families are unaware of their **strong legal defenses**.

This article explains what constitutes misrepresentation, how insurers use it to deny claims, and how Alberta law provides **powerful legal defenses** that can overturn these denials.