15KWho may make a complaint under section 15J

#### 15K Who may make a complaint under section 15J (1) A person may make a complaint under section 15J concerning a decision of an insurer in relation to a contract of insurance entered into in connection with an RSA only if: (a) in the case of a decision that relates to the payment of a death benefit: (i) the person has an interest in the benefit; or (ii) the person claims to be, or to be entitled to benefits through, a person referred to in subparagraph (i); or (iii) the person is acting for a person referred to in subparagraph (i) or (ii); or (b) in the case of a decision that does not relate to the payment of a death benefit—the person is: (i) the holder or the former holder of the RSA; or (ii) a person acting for the holder or the former holder of the RSA, or for the estate of such a person. (2) A person does not have an interest in a death benefit for the purposes of paragraph (1)(a) unless: (a) the person: (i) has been given written notice by the insurer of the proposed payment of the benefit; and (ii) has been given written notice by the insurer of the prescribed period within which the person may object; and (iii) has objected to the insurer within the prescribed period; or (b) the person has not been notified by the insurer of the proposed payment of the benefit and the failure to notify was unreasonable; or (c) the person has been notified by the insurer of the proposed payment of the benefit but was not notified of the prescribed period to object to the payment; or (d) the person has been notified by the insurer of the proposed payment of the benefit but was notified of a period less than the prescribed period for the purposes of subparagraph (a)(ii).