THE OMBUDSMAN FOR LONG-TERM INSURANCETHE OMBUDSMAN FOR LONG-TERM INSURANCE

TOPICS AND CASES


Please select an appropriate category from the list below or search for topics and cases using the search tool.

Only topics marked with an asterisk are currently updated with cases.*

ABUSIVE BEHAVIOUR* 

ACCIDENT* 

See, too, Exclusions

ADVICE* 

See Intermediaries: Misselling

AGENTS 

See, too, Intermediaries; Imputation of Knowledge

AIDS/HIV 

See, too, Exclusions

AMBIGUITY 

See, too, Interpretations

AMENDMENTS TO POLICIES 

See, too, Conclusion of Contract

ANNUITIES* 

See, too, Living Annuities; Retirement Annuities

ANTI-SELECTION 

See Exclusions; Non-disclosure

APPEALS 

BACK-TO-BACK CONTRACTS 

BENEFICIARY NOMINATIONS* New Topic or Case

See, too, Funeral Insurance

BLACK HOLE POLICIES 

BUY AND SELL ARRANGEMENTS 

CANCELLATIONS 

See, too, Lapsing

CAPITAL GAINS TAX 

See, too, Tax

CAUSATION* 

CESSION* 

CHURNING 

See, too, Misselling

CODE ON COMPLAINTS RESOLUTION 

COMMENCEMENT OF POLICY AND/OR RISK 

COMMISSIONS 

See, too, Costs

COMPENSATORY AWARDS 

CONCLUSION OF CONTRACT* 

CONFIDENTIALTY 

CONSTITUTION 

CONSUMER PROTECTION 

See, too, Policyholder Protection Rules

CONTRA PROFERENTEM RULE 

See, too, Interpretation

COOLING-OFF PERIOD 

COSTS* 

See, too, Commissions

CREDIT INSURANCE* 

DAMAGES* 

DEFERRED COMPENSATION SCHEMES 

DELAY* 

See, too, Late Submission of Claims; Prescription

DISABILITY* New Topic or Case

DISCLOSURE 

See Non-disclosure

DREAD DISEASE* 

See, too, Disability

EDUCATION AND PUBLICITY 

ELECTRONIC CONTRACTING 

ENDOWNMENTS 

See, too, Investment Policies

EQUITY* New Topic or Case

ESTOPPEL* 

EVIDENCE * New Topic or Case

See, too, Onus.

EXCEPTIONS, EXCLUSIONS AND WAITING PERIODS* 

F.S.B. 

FAIRNESS 

See, too, Equity

FAIS ACT 

FAIS OMBUD  

FRAUD 

FSOS ACT 

FUNERAL INSURANCE* New Topic or Case

GOOD FAITH 

GROUP SCHEMES* New Topic or Case

GUARANTEES 

HEALTH INSURANCE* 

HEARINGS* 

ILLUSTRATIVE VALUES 

See, too, Values

IMPUTATION OF KNOWLEDGE* 

INSOLVENCY 

INSURABLE INTEREST* 

INTEREST ON LATE PAYMENTS* New Topic or Case

INTERMEDIARIES* 

See, too, Imputation of Knowledge; Misselling

INTERNAL OMBUDSMAN 

INTERPRETATION* New Topic or Case

See, too, Ambiguity; Words and Phrases

INVALIDITY OF POLICY 

INVESTMENT PERFORMANCE 

See, too, Values; Surrender; Maturity

INVESTMENT POLICIES* 

See, too, Endowments

JURISDICTION * 

KEYMAN POLICIES* 

LAPSING* New Topic or Case

LATE SUBMISSION OF CLAIMS* New Topic or Case

See, too, Delays

LEGAL PRACTITIONERS 

See, too, Jurisdiction

LEGISLATION 

See, too, FAIS Act, Pension Funds Act.

LIFE POLICIES 

LINKED PRODUCTS  

LIVING ANNUITIES 

See, too, Misselling; Annuities

LOA 

LOADING 

See, too, Premiums; Rating

LOANS* New Topic or Case

LONG-TERM INSURANCE ACT  

MANDATE* 

See, too, Agents; Misselling

MARKETING 

MATURITY* 

See, too, Payment; Values

MEDIATION  

MEDICAL 

See, too, Disability

MINORS* New Topic or Case

MISLEADING MARKETING MATERIAL* 

See, too, Misselling

MISREPRESENTATION * 

See, too, Misselling

MISSELLING* 

MISTAKE * New Topic or Case

See, too, Conclusion of Contract

MITIGATION OF LOSS 

MORTGAGE INSURANCE 

NEGLIGENCE 

NEGLIGENT ADVICE 

See, too, Misselling

NEW PRODUCTS 

NON-DISCLOSURE* New Topic or Case

OFFER 

See, too, Conclusion of Contract

OMBUDSMAN'S COMMITTEE 

OMBUDSMAN'S COUNCIL 

ONUS OF PROOF* New Topic or Case

See, too, Onus

OVER-INSURANCE 

See, too, Insurable Interest

PAID-UP VALUES* 

See, too, Value; Cost

PAYMENT AND NON-PAYMENT* 

See, too, Lapsing; Values

PENALTIES* 

See, too, Refund

PENSION FUNDS 

PERFORMANCE 

See, too, Investment Performance

POLICY WORDING* 

See, too, Interpretation; Values

POLICYHOLDER PROTECTION RULES 

POOR SERVICE* New Topic or Case

See, too, Compensatory Awards

PRE-EXISTING CONDITIONS* New Topic or Case

See, too, Exclusions and Exclusions

PREMIUMS* 

See, too, Lapsing; Refunds

PRESCRIPTION/TIME BAR 

See, too, Delay; Late submission of claims

PROCEDURAL MATTERS 

PROOF OF CLAIMS 

See, too, Evidence; Onus; Proof

QUOTATIONS 

See, too, Conclusion of Contract

RATING BY EXCLUSIONS 

See, too, Exclusions

RECTIFICATION* 

REFUND OF PREMIUMS* 

REINSTATEMENT OF POLICIES OR BENEFITS* New Topic or Case

REMEDIES AND RELIEF 

RES JUDICATA; REOPENING OF CLOSED CASES 

RESCISSION * 

RETIREMENT ANNUITIES* 

REVIEW 

RULES OF THE OMBUDSMAN  

SALE OF SECOND-HAND POLICIES 

See, too, Cession

SCAMS 

See, too, Fraud

SECOND-HAND ENDOWMENT POLICIES 

See, too, Cession

SETTLEMENTS* 

SNATCHING AT THE BARGAIN 

STATISTICS 

SUICIDE 

See, too, Exclusions

SURRENDER * 

See, too, Values

TAX 

See, too, Capital Gains Tax

TELEMARKETING  

See, too, Conclusion of Contract, Misselling.

TERMINATION OF CONTRACT 

See, too, Rescission; Lapsing

TRANSFER OF POLICIES 

TRUSTS 

UNDERWRITING 

UNIVERSAL LIFE POLICIES 

VALUES* 

See, too, Payment

WAITING PERIODS* 

See, too, Exception and Exclusions

WAIVER* 

WARRANTIES 

WORDS AND PHRASES 

See, too, Interpretations