Karen recently met with the new insurance agent taking over her critical illness policy. The agent who set the coverage up for her has left the company and now works for another insurer. While reviewing the coverage, a major discrepancy between what the former agent told Karen and what the policy actually covers is revealed. Karen feels that she was misled by the former agent, which caused her to pay for coverage that was inadequate. She complained to the insurer, asking that past premiums be refunded. The insurer responded with a formal letter stating that they were unable to refund the premiums. Karen is dissatisfied and would like to press the matter further. Which one of the following organizations could assist Karen with her complaint? 

The insurance company that currently employs her former agent. .

The Canadian Life and Health Insurance Association (CLHIA).

The Canadian Insurance Services Regulatory Organizations (CISRO).

OmbudService for Life and Health Insurance

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