An insured (“Mr. Metcalfe”), who died of a drug overdose, had purchased a life insurance policy seven years before his death. Although he did not disclose to the life insurance company that he had been in a drug treatment program for cocaine and heroin use three years before obtaining the policy, the life insurance policy was determined to be valid, because the insured did not fraudulently misrepresent his status to the insurer.
23. November 2004 0
Metcalfe v. Manufacturers Life Insurance Co.,  B.C.J. No. 2415, British Columbia Supreme Court