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Headstart in Life Plan

Protect your child for life

The Headstart in Life Plan provides your children with lasting life insurance protection that’s designed just for them. No matter what obstacles they face or the risks they take, rest assured, they’ll always enjoy life insurance coverage.

Protect them while they’re in perfect health. Later, it may be more difficult and expensive for them to get a policy to meet their needs.

Protection for the Future

  • Insurance is guaranteed even if your child develops a health condition or illness such as asthma or cancer
  • Even if your child chooses a high-risk profession, such as fire fighter or police officer, their benefits never decrease

Affordable Premiums

  • Premiums start at just $7.20 a month
  • Parents pay premiums for just 20 years and receive a lifetime of protection for their child
  • Pay lower premiums for younger children
  • All premiums are guaranteed and will never increase

The Right Protection for You

  • Choose $10,000, $20,000 or $30,000 of life insurance protection
  • Guaranteed acceptance for children between the ages of 2 weeks and 17 years, with no medical exam required. Simply sign a declaration about their current health

Insurance for Life

  • If you, as the policy owner, die accidentally during the premium paying period, BMO Insurance will pay all remaining premiums and your children will remain protected

Flexible Options for the Future

  • Your children will have four opportunities to purchase additional coverage in adulthood with guaranteed acceptance
  • Depending on the coverage you choose at enrolment, they could qualify for up to $50,000, $100,000 or $150,000 of life insurance protection

Accumulate a Cash Value

  • After six years, your policy will start to accumulate a cash value, which increases with every premium you pay
  • We will pay this money to you if you ever cancel your policy
  • You can also apply to us for a loan against your cash value

30-day Money Back Guarantee

  • Cancel your policy within 30 days for a full refund

    • Headstart in Life provides individual coverage and is only available to residents of Canada. For the complete terms and conditions of your policy, please refer to the Policy Contract that will be sent to you upon enrolment. One policy per person.



    Insurer: BMO Life Assurance Company

    Full details terms and conditions are available on request
    Insurance benefits are tax free payments under current legislation