Can a group policy holder be found not to be an agent of the insurer, but to be a member of an insurer-administered plan?

Nova Scotia, Canada

The following excerpt is from Sorensen v. Investors Group Financial Services Inc., 2014 NSSC 398 (CanLII):

The Court in London Life v. Baker cited, with apparent approval, authority stating that, in the case of an insurer-administered plan, when a group policyholder provides the insurer with erroneous information, and the insurer determines premiums or coverage based on that erroneous information, the group policy holder will not be found to be the agent of the insurer so as to bind the insurer to honour the coverage determined.

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