Ethics Regulators, Licensing & Agent Duties question: final letter confirming the decision

EthicsRegulators, Licensing & Agent Duties

Kwasi, 49, had his disability claim reduced by his insurer. He used the insurer's internal complaint process, including a review by its ombudsperson, and received a final letter confirming the decision. He believes the insurer misread his medical file but cannot afford a lawyer. Where can he take the complaint next, free of charge?

A The OmbudService for Life and Health Insurance
B CISRO, which sets the LLQP curriculum
C The Canada Deposit Insurance Corporation (CDIC)
D Assuris, which reviews disputed claims

Show the answer and explanation

Answer: A. The OmbudService for Life and Health Insurance

The OmbudService for Life and Health Insurance (OLHI) offers free, independent and impartial help with complaints about life and health insurance, generally once the insurer's own process has been used. CDIC protects bank deposits, Assuris protects policyholders when an insurer fails, and CISRO does not resolve individual complaints. Source: OmbudService for Life and Health Insurance, olhi.ca (checked 12 Oct 2026) (as at 12 Oct 2026).

Common mistake

Sending a claim dispute to Assuris.

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Original study material mapped to the public CISRO curriculum; not a real test question.Not affiliated with CISRO, CCIR or any provincial insurance regulator. Verify figures and rules against current guidance before relying on them.