Law

A First Premium Payment Does Not Explain Interim Life Coverage

A first payment made with an Ontario life insurance application does not, by itself, explain whether interim coverage exists. That answer requires the applicable agreement and its conditions. Before describing yourself as insured during underwriting, identify any temporary or conditional insurance arrangement separately from the final policy you have requested....
Law

Importance of Settling VS Going to Trial

If you are facing a legal dispute - whether it be due to a personal injury case, divorce, or business violation - you will typically have two primary alternatives: settle out of court or head to trial as recommended by a Baer Law Office. There are pros and cons to...
Law

Why a Separation Agreement is Better Than Family Court in Ontario

When marriages end, couples face a fundamental choice about how to resolve the parenting arrangements, support obligations and property division that separation requires. Many assume that courts provide the definitive path forward, imagining judges who will determine fault and declare winners. The reality proves far different, and those who take...