What is the test for an insurance company's ability to refuse to pay premiums?

Alberta, Canada


The following excerpt is from Ayrton v. PRL Financial (Alta.) Ltd., 2005 ABQB 311 (CanLII):

Kosmopoulos v. Constitution Insurance Co. of Canada, 1987 CanLII 75 (SCC), [1987] 1 S.C.R. 2 at 10. [11][2004] A.J. No. 900, 2004 ABQB 590. [12][2004] N.J. No. 352, 2004 NLSCTD 191. [13]Tschritter, note 11 at para. 17. [14][2004] 1 S.C.R. 249, 2004 SCC 7.

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