An independent resource
For your life and health insurance concerns
Our mission
Free and Impartial Services
We offer free, independent, and impartial services to address your concerns, questions, complaints or inquiries related to life and health insurance.
Our team guides you with clarity, respect, and confidentiality.
Our Services
Our services to
effectively assist you
of service to Canadians
inquiries responded to in 2025
participating companies
complaints examined since 2022
News
Our news to
keep you better informed
All News
Introducing Our New Website
We are pleased to announce the launch of OLHI’s new website. This renewal reflects our ongoing commitment to transparency,…
Bringing Clarity at a Vulnerable Time
OLHI ensured that the consumer received a clear explanation and that the procedural concerns were addressed. A consumer…
Upholding Fairness in Emergency Medical Disputes
This case illustrates how OLHI’s process can lead to meaningful outcomes. A consumer contacted OLHI after they were…
Getting Fair Compensation after an Emergency
Feeling misled and confused, the couple turned to OLHI. A couple had to urgently return home mid-trip due…
FAQ
Answers to
your questions
No. OLHI is impartial. Our findings and recommendations are based on our impartial review of all the relevant facts, so both you and the insurer know our conclusions are from an unbiased perspective.
Yes. OLHI’s services are free for consumers across Canada, in English and French.
If you have a concern or complaint, you should first contact your insurer directly and follow their internal complaint process. Ask them to review your complaint and provide their final position in writing. Once you have received your insurer’s final position, you can contact OLHI if you are not satisfied with the outcome.
OLHI can work with your insurer to try to resolve your complaint. If we find that your complaint has merit, we can ask your insurer to reconsider its decision.
Sometimes this leads to a negotiated settlement that works for both sides.
We aim to review and conclude most complaints within 120 days, starting from the date we acknowledge your complaint in writing.