These excerpts from the Ontario Insurance Act,
R.S.O. 1990 might help, but do not answer all your questions.
Proof of Claim
203. Where an insurer receives sufficient evidence of,
(a) the happening of the event upon which insurance money
becomes payable;
(b) the age of the person whose life is insured;
(c) the right of the claimant to receive payment; and
(d) the name and age of the beneficiary, if there is a beneficiary,
it shall, within thirty days after receiving the evidence,
pay the
insurance money to the person entitled thereto
Declaration as to sufficiency of proof
208. Where an insurer admits the validity of the insurance
but does not
admit the sufficiency of the evidence required by section
203 and there is no other question in issue except a question
under section 209, the insurer or the claimant may, before
or after action is brought and upon at least thirty days notice,
apply to the court for a declaration as to the sufficiency
of the evidence furnished, and the court may make the
declaration or may direct what further evidence shall be furnished
and on the furnishing thereof may make the declaration or,
in special
circumstances, may dispense with further evidence.
Declaration as to presumption of death
209. Where a claimant alleges that the person whose life
is insured should be presumed to be dead by reason of his
or her not having been heard of for seven years and there
is no other question in issue except a question under section
208, the insurer or the claimant may, before or after action
is brought and upon at least thirty days notice, apply to
the court for a declaration as to presumption of the death
and the court may make the declaration.
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