Life insurance company screwing up my PR application

[Tmcdchef87]

Hey everyone,

Hit a bit of a curb with my recent PR immigration that I submitted with my spouse;

I purchased life insurance and added my wife as a beneficiary and submitted it with our application.

We ran into an issue with TD Insurance. To sum it up, TD made a massive error on their side (they claimed I never made payments when in fact it was a billing issue on their side - I followed up with them every week only to have them not contact me back). This resulted in TD cancelling our life insurance in March and I am only finding out about it now. I had to speak to their general manager for them to eventually admit that it was indeed all their fault (and sending them bank statements to prove this). They profusely apologized - but they can't reinstate my account. I have to make a completely new one. I tried to make a new one - but now it has been sent to an underwriter to verify my claims? A ridiculously frusturating experience. They said they would bump it up to get dealt with faster but now they are sending it for a second review even though I was instantly approved the first time.

I told them this was through immigration and I would like a letter to provide to the government as proof that it was an error on their side but they refuse to do it. I seldom get mad on the phone but I lost it.

A couple of questions;

1.) Would the government, during the PR process call TD life insurance to see if the account is still valid and if my wife is still listed as a beneficiary?

2.) I was thinking of purchasing new life insurance with my wife listed as a beneficiary and scanning this, along with a letter, explaining to the Government what happened.

But it brings me back to this point; does it matter? I know the Government does require proof of relationship with the application and this is one of the things that was included on the checklist. A crucial one at that as my wife and I meet the minimum requirements for beneficiary things (joint bank account, joint credit card, a medical form stating my wife will take care of me if I were unable to take care of myself.. a personal directive it is known as which is a legally binding document... and the life insurance).

If anyone can help me out here that would be awesome.

Thanks.

PS: Don't get TD Life Insurance.

 

[k.h.p.]

Is this insurance policy the biggest piece of evidence you have of cohabitation and a genuine marriage?

 

[Tmcdchef87]

Is this insurance policy the biggest piece of evidence you have of cohabitation and a genuine marriage?

Nope! Genuine wise, we have 20 various pictures of us, (wedding, engagement in Paris, me with her family/friends and vice versa) scanned pages from Facebook that have over 100 comments from our friends and family congratulating us on our engagement/marriage, support letters from my family and hers (with their IDs scanned onto it), love letters that my spouse and I both wrote, joint bank accounts (listing my wife and I at the same address for credit card and regular bank account) and a personal directive (legally binding contract) explaining that my wife will make medical decisions for me if something comes up where I am unable to take care of myself, a type of beneficiary.

The insurance was another piece of the puzzle that my consultant highly suggested and was very insistent that we get the life insurance with my wife listed as a beneficiary (probably because we only have the personal directive as a form of beneficiary). She wanted something with car insurance but we do not have that done for my wife yet.

Cohabitation wise, we have a legal lease agreement with my wife and I listed as tenants that was done by a paralegal through my consultant explaining that my mom has given us her home to live in for free while the PR process is on going that is legally stamped (had a red seal on it), dated and signed (by my mom). My mom had to swear an oath before she signed it.

In my mother's support letter she also wrote that my wife will be living with her while the PR process is ongoing.

My spouse has had numerous items mailed here as well since the PR application has been sent in along with her being added on my cell phone contract, Costco membership, etc.

The only hindrance is we were married fast (within 10 months of meeting) and due to passport restrictions my wife's family was unable to attend the wedding.

 

[Tmcdchef87]

Just a follow up;

My consultant wants the beneficiary because of the fact that it is listed under one of the requirements for proof of marriage/co rehabilitation on the last part of the im5577 checklist (we selected important documents and social media/family proof). However, we did do a personal directive which is an important document, it seems.

I signed up for a new life insurance policy and everything is done. We will get the beneficiary confirmation soon.

My consultant wanted a letter from TD saying they cancelled the insurance because of their own fault but the buggers refused. So she will scan and upload the new insurance policy saying I switched. Fingers crossed.

I thought the government would not check and see if we still have a TD life insurance plan active.. figured the paper we submitted would be enough but I trust my consultant. I guess you never know and gotta play it safe.

 

[k.h.p.]

That seems an awfully strange and specific need from your consultant. If you trust them, then keep on keeping on.

 

[canuck78]

Doubt the government will check whether your life insurance is valid. I would be more concerned that you haven’t included more information/photos of previous meetings before engagement or wedding. The whole oath and seal stuff isn’t necessary and most of the stuff doesn’t actually mean anything so I hope he isn’t charging for these things. Getting a paralegal to write up a lease also uneccesary. You could have printed a lease off the provincial website.

 

[canuck_in_uk]

Hey everyone,

Hit a bit of a curb with my recent PR immigration that I submitted with my spouse;

I purchased life insurance and added my wife as a beneficiary and submitted it with our application.

We ran into an issue with TD Insurance. To sum it up, TD made a massive error on their side (they claimed I never made payments when in fact it was a billing issue on their side - I followed up with them every week only to have them not contact me back). This resulted in TD cancelling our life insurance in March and I am only finding out about it now. I had to speak to their general manager for them to eventually admit that it was indeed all their fault (and sending them bank statements to prove this). They profusely apologized - but they can't reinstate my account. I have to make a completely new one. I tried to make a new one - but now it has been sent to an underwriter to verify my claims? A ridiculously frusturating experience. They said they would bump it up to get dealt with faster but now they are sending it for a second review even though I was instantly approved the first time.

I told them this was through immigration and I would like a letter to provide to the government as proof that it was an error on their side but they refuse to do it. I seldom get mad on the phone but I lost it.

A couple of questions;

1.) Would the government, during the PR process call TD life insurance to see if the account is still valid and if my wife is still listed as a beneficiary?

2.) I was thinking of purchasing new life insurance with my wife listed as a beneficiary and scanning this, along with a letter, explaining to the Government what happened.

But it brings me back to this point; does it matter? I know the Government does require proof of relationship with the application and this is one of the things that was included on the checklist. A crucial one at that as my wife and I meet the minimum requirements for beneficiary things (joint bank account, joint credit card, a medical form stating my wife will take care of me if I were unable to take care of myself.. a personal directive it is known as which is a legally binding document... and the life insurance).

If anyone can help me out here that would be awesome.

Thanks.

PS: Don't get TD Life Insurance.

This is a complete non-issue. IRCC is not going to call TD and you don't need to submit anything else. This has zero to do with your PR app.

 

[Tmcdchef87]

This is a complete non-issue. IRCC is not going to call TD and you don't need to submit anything else. This has zero to do with your PR app.

Interesting.

My consultant replied to me with this,

"We used the TD life insurance policy to fulfill one of the evidence requirements on the sponsorship application. Will the government check with TD? I don’t know. Do I trust TD to refuse to confirm the policy status to the government, citing privacy issues? No. Without the TD policy or an equivalent replacement, we have not fulfilled the sponsorship requirements even if we are the only ones who know that."

That was under the last part of the im5577 checklist where I needed to provide an important document (beneficiary, insurance, etc), although we submitted a personal directive as well.

Guess that's why I am so confused.

Worse case scenario and let's say hypothetically IRCC does call TD and found out about this. What would happen?

Thanks for your input everyone

 

[canuck78]

Interesting.

My consultant replied to me with this,

"We used the TD life insurance policy to fulfill one of the evidence requirements on the sponsorship application. Will the government check with TD? I don’t know. Do I trust TD to refuse to confirm the policy status to the government, citing privacy issues? No. Without the TD policy or an equivalent replacement, we have not fulfilled the sponsorship requirements even if we are the only ones who know that."

That was under the last part of the im5577 checklist where I needed to provide an important document (beneficiary, insurance, etc), although we submitted a personal directive as well.

Guess that's why I am so confused.

Worse case scenario and let's say hypothetically IRCC does call TD and found out about this. What would happen?

Thanks for your input everyone

There is a list of potential evidence. You are not required to get everything on the list.

 

[canuck_in_uk]

Interesting.

My consultant replied to me with this,

"We used the TD life insurance policy to fulfill one of the evidence requirements on the sponsorship application. Will the government check with TD? I don’t know. Do I trust TD to refuse to confirm the policy status to the government, citing privacy issues? No. Without the TD policy or an equivalent replacement, we have not fulfilled the sponsorship requirements even if we are the only ones who know that."

That was under the last part of the im5577 checklist where I needed to provide an important document (beneficiary, insurance, etc), although we submitted a personal directive as well.

Guess that's why I am so confused.

Worse case scenario and let's say hypothetically IRCC does call TD and found out about this. What would happen?

Thanks for your input everyone

Your consultant has no clue. IRCC will not contact TD to confirm your insurance is still active.

 

[sanko]

If you are already providing everything else, you don’t have to include this life insurance.

But if you absolutely want to have all types of documents to prove that your relationship is genuine, I would say screw TD and get insurance from anyone else.

 

[Tmcdchef87]

There is a list of potential evidence. You are not required to get everything on the list.

We just provided two options from the list.

Two was from the important documents (insurance, personal directive) and the other was support letters, social media postings (we had quite a bit of other proof in the first checklist however, just the last 4 we ran into difficulties at at time of us doing the app).

I do see what you all are saying however. I doubt IRCC would check the TD insurance to see if it is still active myself.

We have lots of other proof now anyways. If IRCC requests more, we will be ready.

 

[scylla]

We just provided two options from the list.

Two was from the important documents (insurance, personal directive) and the other was support letters, social media postings (we had quite a bit of other proof in the first checklist however, just the last 4 we ran into difficulties at at time of us doing the app).

I do see what you all are saying however. I doubt IRCC would check the TD insurance to see if it is still active myself.

We have lots of other proof now anyways. If IRCC requests more, we will be ready.

IMO your biggest problem is your consultant who is freaking you out for absolutely no reason.

 

[DollyM]

IMO your biggest problem is your consultant who is freaking you out for absolutely no reason.

Absolutely. My partner and I don't have life insurance with each other as beneficiaries, but he got his spouse visa no problem other than it took a bit longer than we expected.

 

[armoured]

I am sorry that you are faced with such a problem. I also think that you need to provide more information to confirm your relationship with the help of additional documents, tickets, photos, etc. Unfortunately, the issue of immigration is complicated and has many pitfalls. In addition, you came across not a serious insurance company that irresponsibly approached the subject. If I were you, I would consult with more qualified specialists like https://www.lifeinsuranceblog.net/5-million-dollar-life-insurance-policy-cost/. Who can tell you how to find a way out in your case.

If I were you, I would give up spamming, as you're not very good at it.