Canada's life and health insurance industry protects over 28 million Canadians, paying out over $85B in benefits per year. But with such vast payouts, various forms of fraud are common, and experienced investigation is needed to protect insurers.

Xpera has the experience and capacity to approach Life and Health Investigations with the customized care these diverse investigations require. We have the ability to utilize our specialized divisions to assist in all types of claims, from Open Source Intelligence (OSINT), to Surveillance, to home visit interviews to develop a full picture of the life and health insurance claim. Through these methods, we provide clarity and expose wrongdoing of clients—some estimates suggest in excess of 10% of claims are at least in part fraudulent.

In addition, Xpera offers a specialized division that focuses specifically on any of your death claim requirements.


Surveillance is a successful means of identifying an individual’s abilities and being confident in your claim decision making. We help you quickly develop a comprehensive picture with objective, independent information and findings.

Open Source Intelligence

Our professionally trained team using a variety of sources such as social media and investigative databases to verify or expand on information and create a picture of an individual’s abilities and activities of daily living.

Contestable Death

For cases that may involve material misrepresentation, Xpera determines a claimant's health history preceding policy issuance. Xpera can provide information such as the subject's medical history/treatment, lifestyle activities, and other insurance benefits.

Xpera Specialist Investigators provide a unique resource for Insurance Death Claims, providing the right evidence for the denial of death claims arising out of suspicious or fraudulent circumstances while considering the sensitivities relating to contestable death claims.

Families often question if a loved one's death was truly an accident or suicide, or even occurred at all. They may wish to investigate the possibility of pursuing a wrongful death lawsuit. Our sensitive and professional investigation team approach each case with the knowledge and personal consideration that is expected in such situations.

Our investigators provide but are not limited to:

  • Death Certificate
  • Records Retrieval
  • Police / Fire / Ambulance Reports
  • Document Burial / Gravesite Information
  • Obituary / Media Information
  • Coroner / Medical Examiner Records
  • Scene Photographs
  • Interview Witnesses
  • Civil / Criminal Records
  • Formal Statements
  • Continuity / Forensic Investigation
  • Crime Scene Forensic Analysis
  • Beneficiary Locate
  • Accident Reconstruction