Review of a decision by the Life Insurance Ombudsman

By Donald Dinnie on February 23, 2022 Posted in Insurance

In this recent judgment the insurer rejected the life policy claim of the executor of the deceased estate relying on an exclusion in the policy that liability would not arise where death resulted from a condition that pre-existed the existence of the policy if that death occurred before the expiration of twelve months from the date … Continue reading

Life insurance: keeping up to date with the changing market

By Patrick Bracher (ZA) on June 8, 2016 Posted in Insurance

According to a recent report, growth in the life insurance market globally has lagged behind the banking and manufacturing sectors and insurers are losing share to industry players not traditionally involved in life insurance. For example, asset management is being done by third party capital providers, marketing is being taken over by search engines like … Continue reading

Insurers proving material non-disclosure

By Donald Dinnie on September 4, 2015 Posted in Insurance

An insurer who wants to avoid a policy must prove a material non-disclosure by the insured on a balance of probabilities. That is normally done by way of leading oral evidence and the process of cross-examination. It is unusual, although not unheard of, for oral evidence to be dispensed with and questions of non-disclosure to … Continue reading