Guaranteed-Life Plus
Guaranteed acceptance. No questions asked.
- No matter what your current health is, your acceptance is guaranteed if you are between 40 & 75. It’s not too late to get life insurance!
- Cash that can be used for anything: funeral expenses, medical bills, outstanding loans, or credit card balances.
- Your beneficiary will receive 5 times your basic benefit in case of an accidental death.
- Affordable premiums that will never increase.
Guaranteed Acceptance
- You can’t be turned down
- No health questions, no medical exam
Protection That’s Right for You
- Insurance for individuals between the ages of 40 and 75 years
- Choose from 5 affordable premium options to fit your budget
Affordable Monthly Premiums
- Premiums start at just $20 per month regardless of your age
- Your premium is guaranteed never to increase
Immediate Protection
- You’re covered from the day we receive your application – even before you pay your first premium
Guaranteed Benefits
- You’re covered for life as long as you pay your premiums
- Cash is paid directly to your beneficiary tax-free within 48 hours of our receiving the necessary documents
Accidental and Basic Coverage
- Your policy includes both Accidental and Basic Coverage
- Accidental Coverage protects your family from accidental death occurring any time between the first day of your policy and age 85, and is always 5 times your full Basic Coverage
- Basic Coverage protects your family if death occurs from other causes; it is equal to your premiums paid during the first two years, then increases to the full benefit amount and never decreases
- Basic Coverage does not cover death resulting from a suicide within the first two years; in this case, all premiums paid will be refunded in full
- Accidental Death Coverage does not cover death resulting from an injury received while under the influence of drugs or alcohol, or occurring while committing a criminal act or consequent upon war, suicide, or self-inflicted injury
Accumulate a Cash Value
- After three 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 Free Look
- You’re protected the moment we receive your completed application, but your first monthly premium won’t be due for 30 days
- You can cancel within that time with no further obligation
Guaranteed-Life Plus provides individual coverage and is only available to residents of Canada. For the complete terms and conditions of your policy, please refer to your 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
Full details terms and conditions are available on request
Insurance benefits are tax free payments under current legislation







