Permanent Life Insurance

• Permanent lifetime insurance protection
• Guaranteed rates
• Depending on the plan, may include a guaranteed cash value
• Can be used to cover-off tax liabilities and other charges due on your estate
• Provides a tax-free payment to your beneficiaries

Coverage for Life

• Your policy will never expire
• Your premiums will never increase

Choose the Amount

Get $25,000 to $10 million in coverage, depending on the product

To get a personalized quote, contact an Independent Insurance Adviser

Built-in Cash Value

Available after 5 or 10 years, depending on the plan

Guaranteed Monthly Premiums

Once your coverage is approved, your premiums are guaranteed to stay the same for life

A Plan to Meet Your Needs

• 20 Pay Life: guaranteed premiums for 20 years, after which time your coverage is fully paid-up, plus cash values and an option to stop paying premiums for a reduced amount of coverage after 10 years
• Term 100 Plus or Term 100 Platinum: guaranteed premiums to age 100, plus cash values and an option to stop paying premiums for a reduced amount of coverage after 5 years
• Pure Term 100: guaranteed premiums to age 100

Customize Your Plan

Add extra insurance protection to your life insurance plan:

• Accidental Death Rider: covers you in case of an accident
• Waiver of Premium: covers your premium payments if you become disabled
• Children’s Term Insurance Benefit: provides term life insurance for your children
• Term Insurance Riders: adds term life insurance coverage to supplement the permanent life protection

10-day Money Back Guarantee

Cancel your policy within 10 days for a full refund

Need an Independent Insurance Advisor?

Contact the BMO Insurance office in your area:

Ontario: 1-800-608-7303, insurance.advisorsalesontario@bmo.com
Quebec & Atlantic: 1-866-217-0514, insurance.advisorsalesquebecatlantic@bmo.com
Western Canada: 1-877-877-1272, insurance.advisorsaleswest@bmo.com

Insurer: BMO Life Assurance Company