The deceased had a group life insurance policy with Sun Life.
She executed a change of beneficiary form designating her two daughters as irrevocable beneficiaries, but due to her disability, the policy remained with Sun Life instead of transferring to a new provider.
Her will also contained an ambiguous insurance declaration.
Sun Life paid the insurance proceeds into court.
The daughters brought a motion for a declaration that they were solely entitled to the proceeds.
The court found the will's insurance provision ambiguous but declared the change of beneficiary designation valid under the Insurance Act.
The court ordered the proceeds paid out to the daughters.