The Alberta Insurance Council’s life insurance council published a decision recently in the matter of Phyllis Cameron, wherein the council fined Cameron $5,000 for submitting an accident insurance application for a proposed insured who was already injured before the insurance application was completed.
The council commenced its investigation after being advised by Cameron’s agency that she had been terminated. Information provided to the council included a hospital report which showed that her client’s son had been registered in the emergency room eight hours before the insurance policy sale was finalized.
Cameron claims she met the client in the morning that day where she signed the paperwork, but says the client did not have her banking information available. Although she received a call from the client that day asking if she needed to wait to file a claim, and received a picture of the child in a cast, in Cameron’s different accounts she says she confused the call with another client and says the child’s accident slipped her mind when she was finalizing the sale later that day.
During the investigation Cameron also repeatedly blamed her training, her computer, and her husband’s illness for the lapse. Cameron maintains that she did not knowingly sell insurance knowing that an accident had already occurred.
