CHAPTER FOUR

$607,228.70

Sun Life Financial · The payout that paid the killers

Four recorded admissions. Two policies. One concealed agreement.

FOUNDATION

ONE FRAUDULENT SIGNATURE.
NONE OF THIS HAPPENS WITHOUT IT.

The whole architecture — insurance fraud, court concealment, ten years of obstruction — rests on a single fact you can see with your own eyes.

THE CORNERSTONE

On September 12, 2016 — two days after Raffi's death — a Sun Life Financial Transfer of Ownership form was submitted bearing the signature of Crystal Staples.

Crystal Staples never signed it.

The canonical truth, attested by Francesco Longo on May 25, 2026:

"From the very beginning, it's just a fact that it's a fraudulent signature. You see that right off the rip? None of this happens."

THE BLACK PIECE OF PAPER

The Sun Life Transfer of Ownership form — Policy LI-F646,823-6 — was subsequently redacted by Sun Life Financial. Not one or two fields. Nearly the entire document is blacked out. Even the original signing authority (Crystal Staples) cannot obtain an unredacted copy.

Francesco Longo, May 25, 2026, on what Sun Life produced:

"And who redacts an entire sheet of paper? You might as well just hand me a black piece of paper."

"‘Yeah, don't worry — it's written underneath there. But you're liable for this, this, and that.’ Are you kidding me?"

A financial institution that hands an inquirer a near-fully-redacted disclosure form while simultaneously asserting liability against that same inquirer for the contents of the document the institution has just blacked out is not an institution acting in good faith. It is an institution acting on consciousness of guilt — a recognised evidentiary inference under R. v. Grant, 2009 SCC 32.

ALL THE WAY TO THE TOP

This is not a clerk-level error caught and contained. The October 12, 2016 in-person meeting (Crystal · Bill Benson Sun Life executive · Lucy · Betty) put Sun Life Financial on institutional notice of the forgery. Sun Life paid Ivana CAD $607,228.70 on November 7, 2016 — 26 days after the notice.

Lucy's subsequent voicemails to Carmen Yip (Sun Life claims), Emma Luito, and Kevin Strain — the President of Sun Life Financial — never received a single substantive call-back. Francesco's May 25, 2026 attestation on what the silence means:

"And then you got the insurance fraud — the insurance owners — all the way to the top. Know exactly what they were doing. Thought they were slick. Pulled the rug over their eyes. Yeah, that's what they did."

Forgery

Sept 12, 2016 transfer form · Crystal Staples signature she did not affix

Notice

Oct 12, 2016 meeting on the record · Sun Life informed and acknowledged

Payment with knowledge

Nov 7, 2016 · CAD $607,228.70 transferred to Ivana 26 days after notice

THE TEST A HIGH-SCHOOL STUDENT CAN APPLY

Look at the document. Look at who signed it. Ask the named signer if they signed it. Ask why nearly every word is blacked out. Ask why the insurer paid on it after being told it was forged. Ask why the President of the insurance company never returned the call. A high-school student can see this. A judge can see this. A reasonable juror can see this.

The rest of this chapter just documents what happened after the forged signature was accepted as if it were real.

THE NUMBER

Sun Life Financial · disbursed to Estate of Raffi Ceylan

Total disbursed to the perjury-secured estate trustee:

$607,228.70

Paid out from two life-insurance policies after Raffi's death — while the 2011 Separation Agreement that governed beneficiary entitlements was concealed from the court.

EXHIBIT RC-004 — Sun Life Insurance Policies — STATUS: PRODUCTION REQUIRED (GAP)

Policy 1

C343,305-6

Sun Life Financial · life insurance policy on Raffi Ceylan · beneficiary entitlement governed by 2011 Separation Agreement

Policy 2

K362,961-7

Sun Life Financial · life insurance policy on Raffi Ceylan · beneficiary entitlement governed by 2011 Separation Agreement

SEPTEMBER 12, 2016

THE FORGED SIGNATURE

Less than 60 days after Raffi's death — a document with a signature that wasn't hers.

The Sun Life policy transfer document dated September 12, 2016 bears the signature of Crystal Staples — Raffi's bookkeeper and the corporate signing authority.

Crystal Staples never signed it.

Crystal was the only person with signing authority on Raffi's corporation. Bill Benson confirmed it on the record. Raffi's corporate mail came to her personal home address because the business had no current physical address. She was the witness who refused to hand over Raffi's laptop on the Monday after the death — when Daryl Lozon and Ivana Hrvatin showed up trying to take it.

EXHIBIT RC-FORGERY-SEPT12-2016 — The Smoking Gun Document

The Transfer of Ownership document — Sun Life Financial — Policy LI-F646,823-6 — transferring ownership rights to Ivana Hrvatin.

Sun Life Transfer of Ownership · Sept 12 2016 · the redacted forgery
EXHIBIT RC-FORGERY-SEPT12-2016 · Sun Life Financial Transfer of Ownership · Policy LI-F646,823-6 · dated September 12, 2016 (two days after Raffi's death). The document was subsequently redacted by Sun Life — nearly every field is now blacked out. Sun Life's corporate stamp and barcode are visible. The signature shown on this document is alleged to be Crystal Staples, Raffi's bookkeeper and the corporate signing authority. Crystal Staples states she did not sign it. Click image to zoom.

A $750 DocuFraud forensic examination (Examiner Dwayne) will prove the forgery to court-admissible standard with a 2-4 week turnaround. The redaction itself is independent evidence of consciousness of guilt — Sun Life Financial does not produce unredacted copies of this document, even to the original signing authority.

The Identity Stolen

Crystal Staples · bookkeeper · corporate signing authority · victim of identity forgery

Charges Enabled

CCC s. 366 Forgery · s. 367 Uttering Forged Document · s. 380 Fraud over $5,000 · s. 467.1 Criminal Organization

EXHIBIT · AFFIDAVIT OF FRANCESCO GIOVANNI LONGO · PAGE 9 OF 22

The exact $607,228.70 transfer pleaded under oath — and the second policy nobody has talked about

Pass 11 affidavit, 28 April 2026, Supreme Court of British Columbia. Section F pleads that Sun Life processed CAD $607,228.70 directly to Ivana Hrvatin on 19 September 2016 — 65 days after Raffi's death — notwithstanding the 2011 Separation Agreement that excluded her. Section G discloses, for the first time on the public record, the existence of a second policy: an Empire Life Financial corporate policy potentially CAD $10,000,000 or more.

Affidavit page 9 pleading the exact $607,228.70 Sun Life transfer + the Empire Life $10M+ corporate policy

Visible: Yellow highlighting on the audio recording reference in paragraph F.3 (the November 16, 2016 recording where Bart Seguin states “There's NO Cheque going to her and her name. The money stays with the corporation until Revenue...”). Francesco Longo's red-pen correction at paragraph F.3 reads: “also email from Bart” — his own handwritten annotation flagging that there is corroborating documentary evidence (an email from Bart Seguin) that goes with the audio admission.

Click image to zoom · ESC to close

OCTOBER 12, 2016

BILL BENSON'S ANSWER

Sun Life's own representative — recorded, explaining how the money moved.

SMOKING GUN #2 · THE RECORDED MEETING

WHAT BENSON SAID ON TAPE

On October 12, 2016, Lucy Ceylan met with Bill Benson — the Sun Life Financial representative who handled Raffi's corporate accounts. She recorded the meeting.

Benson explained, in his own words, how Ivana Hrvatin obtained release of the corporate funds: she returned to Sun Life after Raffi's death claiming she was a shareholder of Northern Exposure, Raffi's corporation, and had funds released on that basis.

THE QUESTION THAT BREAKS THE CASE

“WHO SIGNED?”

Ivana Hrvatin was not a shareholder of Northern Exposure. She had no signing authority. She could not sign anything binding on the corporation.

Crystal Staples was the Primary Officer with signing authority. She was the only person who could lawfully execute corporate instructions. Bill Benson confirmed this on the record. Lucy has the recording.

If Ivana was not the signing authority, and the only person who was — Crystal Staples — did not sign,
then someone signed who was not entitled to sign.

That is the definition of forgery.

WHAT BENSON'S RECORDING PROVES

  • Sun Life Financial knew Ivana's claim of shareholder status was the basis for the September 12, 2016 transfer.
  • Sun Life Financial was told, on record, that Crystal Staples was the only person with signing authority.
  • Sun Life Financial nevertheless processed the $607,228.70 disbursement to the estate that Ivana controlled.
  • The federally regulated insurer paid out on a transfer whose own customer-service representative could not name the legitimate signatory.

EX-RAFFI-AUD-SG-001 · THE RECORDING ITSELF

“We gave her a check
and she ran off with it.”

Bill Benson · Sun Life Financial representative · October 12, 2016 · recorded on tape by Lucy Ceylan under Criminal Code s. 184(2)(a) one-party consent.

LISTEN TO THE BILL BENSON RECORDING

The original .m4a file as preserved in Lucy Ceylan's January 2026 Master Audio Inventory (file 3 of 103, Tier 1 critical admission, SG-AUD-001).

BILL BENSON'S OFFICE · THE MEETING

THE MEETING DECEPTION

Who arrived when. Who left with what. Why the timing alone is the smoking gun.

THE ARRIVAL & DEPARTURE SEQUENCE

SOURCE: Lucy/Ray Hamlin recorded call, timestamp [24:00–26:00]

  1. 1

    Meeting scheduled at Bill Benson's office.

    Attendees: Ivana (ex-wife), Crystal (claimed signing authority), Betty (Raffi's mother), Bill Benson (estate administrator).

  2. 2

    Ivana arrives LATE.

    Strategic late arrival creates a window.

  3. 3

    Crystal and Betty arrive EARLY.

    Both wait in the office expecting a full-party meeting.

  4. 4

    Ivana meets with Bill Benson PRIVATELY FIRST.

    No witnesses. No record. No notes from this discussion produced in any subsequent court file.

  5. 5

    Ivana LEAVES — with the baby — before the joint meeting takes place.

    Exits before Betty or Crystal can ask any questions. The departure with the child supplies the social cover.

  6. 6

    Crystal remains. Asserts signing authority.

    With Ivana already gone and unavailable to be cross-examined, Crystal claims the authorization position.

CRYSTAL'S SIGNING-AUTHORITY CLAIM

SOURCE: Lucy/Ray Hamlin call, timestamp [26:00]

"I'm the primary officer. I have signing authority."

— Crystal, in the same meeting

Ivana disputed Crystal's authority claim during the meeting.

Bill Benson, the estate administrator, confirmed Crystal's authority.

The use of corporate language — "primary officer" — suggests a business-entity context, not a family one.

If Crystal lacked actual legal authority to sign for Raffi Ceylan, every subsequent document she executed is voidable. If Bill Benson confirmed authority without verifying it, his confirmation was either negligent or knowingly false.

THE NUMBER, IN RAY HAMLIN'S OWN WORDS

SOURCE: Lucy/Ray Hamlin call, timestamp [75:00]

"$600,000 plus his house. They allegedly stole the policy."

— Ray Hamlin, summarising what Lucy had documented

"Stole the policy" is criminal-law language, not civil-dispute language. Ray Hamlin — with insider knowledge of the Windsor legal network — is treating the conduct as theft.

"Plus his house" places the real property at issue in addition to the life-insurance payout. Two assets. One scheme.

SUN LIFE — INSTITUTIONAL OBSTRUCTION

Lucy Ceylan reported the alleged fraud to Sun Life Financial through multiple channels. The pattern of response is itself evidence.

Voicemail 1 · Carmen Yip

Sun Life adjuster of record on the file. Lucy left voicemail. No callback.

Voicemail 2 · Kevin Strain (President, Sun Life Financial)

Lucy reached Sun Life's switchboard and left a message for President Kevin Strain or his assistant Emma Luito. No callback.

Pattern

Multiple contact attempts. Multiple voicemails. Zero response.

An insurance company has a positive duty to investigate fraud claims against its own products. Continued non-response in the face of repeated reports is itself a regulatory issue. It also forecloses the only innocent explanation — that nobody at Sun Life knew. They were told. Repeatedly.

WHAT SUN LIFE KNEW

Three years of recorded calls · four named representatives

Between 2018 and 2020, Lucy Ceylan placed dozens of calls to Sun Life Financial. She was investigating two questions:

1. Did Sun Life process the policy payouts knowing the 2011 Separation Agreement existed?

2. Did Sun Life process the payouts knowing Ivana Hrvatin had filed a perjured affidavit?

She recorded every call.

THE FOUR RECORDED ADMISSIONS

Four Sun Life representatives · 101.46 MB of admission

VERIFIED AUDIO EXHIBITS

EX-RAFFI-AUD-011

Don Arsenault — Sun Life

35.07 MB

Corporate fraud timeline · insurance transfer knowledge

Listen to the recording →

EX-RAFFI-AUD-012

Don Arsenault — Continuation

20.10 MB

Additional Sun Life admissions

Listen to the recording →

EX-RAFFI-AUD-013

Janette Skeen — Sun Life

19.01 MB

Sun Life knowledge of forgery

Listen to the recording →

EX-RAFFI-AUD-014

Sharron — Sun Life — "Very Helpful"

27.28 MB

Potential whistleblower · breaks from the corporate script

Listen to the recording →

Total recorded admission: 101.46 MB · ~100 minutes

SUN LIFE'S DUTY

What a regulated insurer must do

Sun Life Financial is a federally regulated insurer under OSFI supervision. Before paying out on a life-insurance policy, it has a legal duty under the Insurance Companies Act and OSFI Guideline E-13 to:

  • Verify beneficiary entitlement against the underlying documents
  • Identify and address red flags for fraudulent claim activity
  • Refuse disbursement when fraud is reasonably suspected
  • Report suspected fraud to FINTRAC and law enforcement

Sun Life did none of these things for the $607,228.70 disbursement.

THE UNANSWERABLE QUESTION

"How does Canada's third-largest insurer
pay out $607,228.70
on policies governed by an agreement
it was explicitly told about on recorded calls?"

WHERE THE MONEY WENT

From Sun Life to the perjury-secured estate trustee

Sun Life → disbursed $607,228.70 on policies C343,305-6 and K362,961-7

Estate of Raffi Ceylan → controlled by Ivana Hrvatin via perjury-secured Certificate of Appointment

Estate distribution → executed without disclosure of the 2011 Separation Agreement

Net effect: The beneficiary architecture of the 2011 agreement was overwritten by the perjury of 2017.

Sun Life paid.

Ivana took.

Bart Seguin and Justice Howard cleared the path.

But none of it works
without the law firm that holds the whole thing together.

Continue to

CHAPTER 5

THE SHIBLEY RIGHTON NETWORK

The law firm representing both sides — and the Law Society witness who confirmed it

CONTINUE

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