{"id":7870,"date":"2022-01-25T00:27:51","date_gmt":"2022-01-25T05:27:51","guid":{"rendered":"https:\/\/www.360mediations.com\/en\/?p=7870"},"modified":"2022-01-25T00:27:54","modified_gmt":"2022-01-25T05:27:54","slug":"life-insurer-failed-to-establish-fraud-in-application-completed-by-big-drug-dealer","status":"publish","type":"post","link":"https:\/\/mail.360mediations.com\/en\/life-insurer-failed-to-establish-fraud-in-application-completed-by-big-drug-dealer\/","title":{"rendered":"Life Insurer Failed to Establish Fraud in Application Completed by \u201cBig Drug Dealer&#8221;"},"content":{"rendered":"\n<p><strong>Life Insurer Failed to Establish Fraud in Application Completed by \u201cBig Drug Dealer.\u201d\u00a0 <\/strong>The court rejected the life insurer\u2019s plea that the insurance policy was void <em>ab initio <\/em>(void from the beginning) due to the applicant\u2019s non-disclosure of a prior criminal conviction.\u00a0 The insurer clearly thought they had a good case to deny this claim: most notably because they believed they had some good evidence that the applicant was a big drug dealer who deliberately withheld his prior assault conviction, and who was, according to media reports, being targeted for assassination, which seemed to come to fruition when the applicant was found dead with bullet wounds.\u00a0 But the court rejected the insurance company&#8217;s theory, mainly because the \u201cevidence\u201d was weak: comprised on hearsay, and based on documents that were open to many different interpretations.\u00a0 With that, the court was unable to conclude that the applicant lied, or was attempting to commit a fraud against the insurance company.\u00a0 When coupled with the fact that the policy was in force for over five (5) years, the incontestability clause, which states that \u201cexcept for nonpayment of premiums, \u2026(the insurer) \u2026will not contest the Basic Plan after it has been in force during the Insured\u2019s lifetime for 2 years from the Policy Date\u201d, would require fraud to be established, which the insurer could not satisfy on a balance of probabilities.<\/p>\n<p><strong><em>Costanza v. Desjardins Financial Security Life Assurance Company<\/em><\/strong>, 2022 ONSC 432<\/p>\n<p><a href=\"https:\/\/www.canlii.org\/en\/on\/onsc\/doc\/2022\/2022onsc432\/2022onsc432.html\"><strong>https:\/\/www.canlii.org\/en\/on\/onsc\/doc\/2022\/2022onsc432\/2022onsc432.html<\/strong><\/a><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Life Insurer Failed to Establish Fraud in Application Completed by \u201cBig Drug Dealer.\u201d\u00a0 The court rejected the life insurer\u2019s plea that the insurance policy was void ab initio (void from the beginning) due to the applicant\u2019s non-disclosure of a prior criminal conviction.\u00a0 The insurer clearly thought they had a good case to deny this claim:&hellip; <a class=\"more-link\" href=\"https:\/\/mail.360mediations.com\/en\/life-insurer-failed-to-establish-fraud-in-application-completed-by-big-drug-dealer\/\">Continue reading <span class=\"screen-reader-text\">Life Insurer Failed to Establish Fraud in Application Completed by \u201cBig Drug Dealer&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[50],"tags":[137,136],"class_list":["post-7870","post","type-post","status-publish","format-standard","hentry","category-insurance-coverage","tag-fraud","tag-incontestability-clause","entry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Life Insurer Failed to Establish Fraud in Application Completed by \u201cBig Drug Dealer&quot; - 360Mediations<\/title>\n<meta name=\"description\" content=\"The court rejected the life insurer\u2019s plea that the insurance policy was void ab initio (void from the beginning) due to the applicant\u2019s non-disclosure of a prior criminal conviction.\u00a0\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mail.360mediations.com\/en\/life-insurer-failed-to-establish-fraud-in-application-completed-by-big-drug-dealer\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Life Insurer Failed to Establish Fraud in Application Completed by \u201cBig Drug Dealer&quot; - 360Mediations\" \/>\n<meta property=\"og:description\" content=\"The court rejected the life insurer\u2019s plea that the insurance policy was void ab initio (void from the beginning) due to the applicant\u2019s non-disclosure of a prior criminal conviction.\u00a0\" \/>\n<meta property=\"og:url\" content=\"https:\/\/mail.360mediations.com\/en\/life-insurer-failed-to-establish-fraud-in-application-completed-by-big-drug-dealer\/\" \/>\n<meta property=\"og:site_name\" content=\"360Mediations\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/360Mediations-120028596572318\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/360Mediations-120028596572318\" \/>\n<meta property=\"article:published_time\" content=\"2022-01-25T05:27:51+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-01-25T05:27:54+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/mail.360mediations.com\/en\/wp-content\/uploads\/2022\/01\/COURT-DECISIONS-360MEDIATIONS-1x1-1.png?fit=406%2C322&ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"406\" \/>\n\t<meta property=\"og:image:height\" content=\"322\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"David M. 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