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If you are dissatisfied with a decision or service related to a life or disability insurance product, you may have the situation reviewed. For complaints dealing with the denial of a life or disability claim, please contact the case manager who handled your claim who will guide you through the appeal process for denied claims. For all other types of complaints related to life or disability insurance products, please follow the steps listed below:


Discuss your concern with the person or office that sold the product or provided the service. Many issues can be resolved by simply speaking with your advisor or a customer service representative.

If you remain dissatisfied, please contact the Regional Compliance Representative at:

Regional Compliance Officer
C/O Medavie Blue Cross
644 Main St
P.O. Box 220
Moncton, NB E1C 8L3

Fax: 506-867-4651
E-mail: compliance@medavie.bluecross.ca

Second level of appeal


The Regional Compliance Representative will arrange to have your complaint investigated by a review committee. A second level of appeal is available to you if you are not satisfied with the review committee’s determination. If you continue to remain dissatisfied after following the Company’s internal complaint handling process and wish to pursue your complaint, you may contact the Canadian Life and Health Insurance OmbudService.

OmbudService for Life & Health Insurance
401 Bay Street, Suite 1507
P.O. Box 7
Toronto, ON, M5H 2Y4

Toll free: 1-888-295-8112
Fax: 416-777-9750
E-mail: information@olhi.ca
Website: www.olhi.ca

At all times throughout the complaint handling process, you may contact the Company’s Complaints Officer for any questions or comments related to this process.

Complaints Officer
Blue Cross Life Insurance Company of Canada
644 Main Street
Moncton, NB, E1C 8L3
Fax: 506-867-4646
E-mail: BCLCompliance@bluecrosslife.ca

Federal Consumer Provision Complaints
The Financial Consumer Agency of Canada (FCAC) oversees compliance with federal consumer protection requirements. These requirements include providing consumers with information on complaint handling procedures and on borrowing costs. If you have a complaint about a consumer provision, you may contact the FCAC at:

Financial Consumer Agency of Canada
6th floor, Enterprise Building
427 Laurier Avenue West
Ottawa, ON, K1R 1B9