Two applications were brought to determine the beneficiary of approximately $264,000 in segregated funds and a RIF annuity (the Disputed Funds) left by the deceased.
The deceased had designated a charitable foundation as the beneficiary of the funds, but later executed a will containing a general insurance clause leaving all insurance proceeds to her nephew.
The charitable foundation sought to rectify the will or interpret it to exclude the Disputed Funds, arguing the deceased intended the funds to go to charity.
The court held that the Disputed Funds were insurance policies governed by the Insurance Act, and the will's insurance clause effectively re-designated the beneficiary to the nephew.
Applying Robinson Estate v. Robinson, the court refused to admit third-party extrinsic evidence to contradict the clear language of the will, which the deceased had reviewed and approved.