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If you have agreed to purchase creditor group insurance, you‘ll receive a copy of your application and a certificate of enrolment. These docâ€" uments will contain your name, the name of the lender and the name of the insurer, a group contract number, the premium costs, and your maxiâ€" mum coverage. It will, also, describe policy proviâ€" sions including eligibility, exclusions and limitations, how and where to make a claim, time limits, termination conditions, and the address of your insurance company in case you have questions or need more information. You must submit any claim to the *« What must I submit with a claim? What are the procedures? (Con‘t from RE 4) balance? How would that refund be calculated? + What is the maximum coverage available? + Can I cancel the certificate? Will I get a refund? How will it be calcuâ€" lated? Keep an eye out for all the details insurer in writing. You can get a claim form from the insurer or the lender. You will be asked to provide proof of loss and any claims information required by the insurer within a specified time. If you don‘t follow these steps, you may not be able to collect. Before you sign any contract, remember your creditor group insurâ€" ance is a legal document and your sigâ€" nature at the bottom commits you to everything in it including information on your medical condition. If answers are incomplete or inaccurate, your claim may not be paid. As with any contract, it‘s your responsibility to read and understand the information provided. If any of the information is unclear, call the insurer. For more information, the Ontario Insurance Commission has a brochure on creditor group life and disability insurance. 250â€"6750 for the greater Toronto area all tollâ€"free 1â€"800â€"668â€"0128 or