What is the effect of a motion judge's finding that an insurer's obligation under a life insurance policy does not change adversely after an accident occurs?

Ontario, Canada

The following excerpt is from Robert Wilken v. Sun Life Assurance Company, 2017 ONCA 975 (CanLII):

The motion judge explained that his conclusion would: …give effect to the observation of Ritchie J. in Madill v. Chu, at p. 410 S.C.R., that an insurer's obligation under the policy should not be "varied adversely to its interest after the happening of the event insured against by the independent act of the insured".

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