Blog – OLHI – Free, impartial help with your life & health insurance complaints


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Decoding Life and Health Insurance Policies: A Simple Guide

Life and health insurance policies can be confusing. Unless you work in the sector, all the industry-specific language, details, and different clauses and subclauses might sound like a foreign language.  But don’t worry! You’re not alone in this. This guide will help you make sense of your insurance policy.  Ready to get started? Let’s learn […]

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A Guide to Travel Insurance

This Guide to Travel Insurance will help you understand what coverage you need and have peace of mind while travelling abroad. Download our free Travel Insurance Checklist.

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Red book with Ombudsman printed on it

What is an ombudsman? What is alternative dispute resolution (ADR)?

Our Ombudsman is head of the OmbudService for Life and Health Insurance (OLHI). OLHI offers an alternative dispute resolution public service that is free, bilingual, independent and impartial to Canadians with life and health insurance. Sounds great so far, right? But what is an ombudsman or an ombudservice? How does alternative dispute resolution (ADR) work? […]

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The Anatomy of a Final Position Letter: What to Expect From Your Life or Health Insurance Provider

A final position letter is a written decision made by a life or health insurance company that outlines its final position about a consumer claim. All insurance companies have an internal complaints process, which you must follow to obtain a Final Position Letter from your insurer before you bring your complaint to us at the OmbudService for Life and Health Insurance (OLHI).

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A person searching for a lost life insurance policy of a deceased

How to find if a life insurance policy exists for a deceased person

If you are responsible for closing out a deceased loved one’s financial concerns, one of your tasks might be to find out if a life insurance policy exists for them. Estate planning can be complicated and time-consuming. In some cases, individuals get all their affairs in order before they pass on. But, in the event of […]

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What happens if a life or health insurance company denies your claim?

Did you know that you can make a complaint if your life or health insurance company denies your claim?

Before you submit your complaint to us at the OmbudService for Life and Health Insurance (OLHI), you first need to go through your insurance company’s internal complaint process.

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