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| EasyTerm® |
| Guaranteed-Life Plus |
| EasyOne Life |
| Children's Insurance |
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| Accidental Death Benefit |
| Well Woman |
| Life Recovery Plus |
| Guaranteed Hospital Cash |
| FractureCare Plus |
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| Travel Medical |
| Trip Protection |
Get a quote and buy today!
In just a few clicks, you can find the insurance plan that’s right for you. Then get a quote right away and buy your policy online. It’s fast, hassle-free and easy!
Whether you are looking for:
- Competitively-priced term life insurance
- Guaranteed issue insurance with no medical required
- Accidental death coverage
- Innovative and unique accident and illness coverage
- Travel insurance
You can find what you need for yourself and your family right here with BMO Insurance.
The protection and peace of mind you deserve.
Life insurance options
Life insurance is an ideal way to help protect your family’s financial security following your death. At BMO Insurance, we offer a wealth of innovative life insurance plans designed to meet your needs and fit your budget.
From guaranteed-issue insurance with no medical required to very competitive term life insurance for up to $5,000,000 in coverage. And a low-cost life insurance plan for children up to 17 years of age that delivers lifelong protection. No matter where you are in life or what your circumstances, there’s sure to be a plan that’s right for you.
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Life insurance is an ideal way to help protect your family’s financial security following your death. At BMO Insurance, we offer a wealth of innovative life insurance plans designed to meet your needs and fit your budget.
From guaranteed-issue insurance with no medical required to very competitive term life insurance for up to $5,000,000 in coverage. And a low-cost life insurance plan for children up to 17 years of age that delivers lifelong protection. No matter where you are in life or what your circumstances, there’s sure to be a plan that’s right for you.
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EasyTerm®
The life insurance you need, at a price you can afford
Nothing's more important than your family's security. Now insuring it is easier than ever.
With EasyTerm®, should the unexpected occur, you can be confident that you've helped your family access the financial resources they need. You can choose a coverage amount from $50,000 to $5 million. Your premiums will not increase for 10, 20 or 30 years (you choose) and we guarantee to renew your policy until age 85. All benefits are 100% tax-free under current legislation.
EasyTerm®. The right protection. The right price. The right choice. For all Canadians between 18 and 75.
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The life insurance you need, at a price you can afford
Nothing's more important than your family's security. Now insuring it is easier than ever.
With EasyTerm®, should the unexpected occur, you can be confident that you've helped your family access the financial resources they need. You can choose a coverage amount from $50,000 to $5 million. Your premiums will not increase for 10, 20 or 30 years (you choose) and we guarantee to renew your policy until age 85. All benefits are 100% tax-free under current legislation.
EasyTerm®. The right protection. The right price. The right choice. For all Canadians between 18 and 75.
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Guaranteed-Life Plus
It's never too late to get life insurance.
We guarantee to insure you if you're a Canadian resident between 40 and 75 no matter what your state of health today.
With Guaranteed-Life Plus, your monthly payments never go up and your benefits will never decrease, even if your health changes. During the first two years of coverage, the amount of the Basic Benefit is 100% of the premiums you have paid. Guaranteed. In case of Accidental Death, your beneficiary receives five times your Basic Benefit. You can choose the premium level that's best for you, from $20 to $75 monthly. Guaranteed-Life Plus is a simple and low-cost way to help protect your family from financial stress.
Your acceptance is guaranteed with no medical exam or health questions ever.
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It's never too late to get life insurance.
We guarantee to insure you if you're a Canadian resident between 40 and 75 no matter what your state of health today.
With Guaranteed-Life Plus, your monthly payments never go up and your benefits will never decrease, even if your health changes. During the first two years of coverage, the amount of the Basic Benefit is 100% of the premiums you have paid. Guaranteed. In case of Accidental Death, your beneficiary receives five times your Basic Benefit. You can choose the premium level that's best for you, from $20 to $75 monthly. Guaranteed-Life Plus is a simple and low-cost way to help protect your family from financial stress.
Your acceptance is guaranteed with no medical exam or health questions ever.
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EasyOne Life
Life insurance that’s easy to get and afford.
Getting life insurance shouldn't be difficult.
If you have a family or other people who depend on you, you already understand the importance of life insurance. But it's not always easy to get the life insurance you and your family need. That's what EasyOne Life is all about. Now, if you are between the ages of 50 and 80, you can get guaranteed coverage by simply confirming you have no Serious Illness. Your loved ones can receive a tax-free benefit of $2,500 to $25,000 on your death - welcome assistance during a very difficult time.
EasyOne Life. An easy and affordable way to strengthen your family's financial safety net.
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Life insurance that’s easy to get and afford.
Getting life insurance shouldn't be difficult.
If you have a family or other people who depend on you, you already understand the importance of life insurance. But it's not always easy to get the life insurance you and your family need. That's what EasyOne Life is all about. Now, if you are between the ages of 50 and 80, you can get guaranteed coverage by simply confirming you have no Serious Illness. Your loved ones can receive a tax-free benefit of $2,500 to $25,000 on your death - welcome assistance during a very difficult time.
EasyOne Life. An easy and affordable way to strengthen your family's financial safety net.
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Headstart in Life Plan
Help protect your family's financial future for life.
Now you can give your children or grandchildren a gift that will last a lifetime. The Headstart in Life Plan guarantees coverage for children for life and also guarantees them the right to purchase additional coverage once they become adults - with no medical exam or health questions. They could increase their protection up to a maximum of $150,000 - guaranteed for life.
The Headstart in Life Plan is available for children from two weeks to 17 years of age. You can choose initial coverage amounts of $10,000, $20,000 or $30,000.
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Help protect your family's financial future for life.
Now you can give your children or grandchildren a gift that will last a lifetime. The Headstart in Life Plan guarantees coverage for children for life and also guarantees them the right to purchase additional coverage once they become adults - with no medical exam or health questions. They could increase their protection up to a maximum of $150,000 - guaranteed for life.
The Headstart in Life Plan is available for children from two weeks to 17 years of age. You can choose initial coverage amounts of $10,000, $20,000 or $30,000.
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Accident and illness insurance options
Illness and accidents can happen in an instant and change your life forever. Fortunately, BMO Insurance offers a wide range of insurance plans to protect you and your family. Accident insurance provides coverage in the event of an unforeseen accident, injury, hospitalization or even death, while illness insurance offers coverage if you are diagnosed with a critical illness.
Although each insurance product is unique, they all provide tax-free benefits that you can use however you choose. Use the money to find alternative treatments, replace lost income, pay for out-of-pocket expenses, seek rehabilitation or cover ongoing costs like child care, house cleaning or home care.
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Illness and accidents can happen in an instant and change your life forever. Fortunately, BMO Insurance offers a wide range of insurance plans to protect you and your family. Accident insurance provides coverage in the event of an unforeseen accident, injury, hospitalization or even death, while illness insurance offers coverage if you are diagnosed with a critical illness.
Although each insurance product is unique, they all provide tax-free benefits that you can use however you choose. Use the money to find alternative treatments, replace lost income, pay for out-of-pocket expenses, seek rehabilitation or cover ongoing costs like child care, house cleaning or home care.
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Accidental Death Benefit
Do more than expect the unexpected—plan for it
You can’t predict when an Accident will happen. But you can make sure you and your family are prepared.
Imagine how your family would get by if you passed away suddenly in an Accident. Would they have the cash they need to handle current financial demands or prepare for the future? With the Accidental Death Benefit, your family could get up to $250,000 if you die in an accident or up to $500,000 if your death results from an Accident while travelling on a plane, train, bus, taxi or other public transportation that is involved in the accident causing the death.
If you’re between 18 and 65, acceptance is guaranteed, with no medical exam or health questions, and you’re protected anywhere in the world until your 76th birthday, as long as you pay your premiums.
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Do more than expect the unexpected—plan for it
You can’t predict when an Accident will happen. But you can make sure you and your family are prepared.
Imagine how your family would get by if you passed away suddenly in an Accident. Would they have the cash they need to handle current financial demands or prepare for the future? With the Accidental Death Benefit, your family could get up to $250,000 if you die in an accident or up to $500,000 if your death results from an Accident while travelling on a plane, train, bus, taxi or other public transportation that is involved in the accident causing the death.
If you’re between 18 and 65, acceptance is guaranteed, with no medical exam or health questions, and you’re protected anywhere in the world until your 76th birthday, as long as you pay your premiums.
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Well Woman
Cash if you get a covered female cancer, cash back if you don't
Odds are high that you'll survive. But will your finances?
The Well Woman insurance plan was designed to ease the worry about the financial cost of fighting cancer so you can focus on recovery. You can get paid up to $50,000 in CASH on diagnosis of one of seven female cancers, including a lump sum payment upon diagnosis, a cash payment each month for one year and cash for related hospital stays and surgery.
If you're a Canadian resident between 18 and 55, acceptance is guaranteed with a signed declaration of health. Plus, if you never make a claim*, we refund all your premium payments.
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Cash if you get a covered female cancer, cash back if you don't
Odds are high that you'll survive. But will your finances?
The Well Woman insurance plan was designed to ease the worry about the financial cost of fighting cancer so you can focus on recovery. You can get paid up to $50,000 in CASH on diagnosis of one of seven female cancers, including a lump sum payment upon diagnosis, a cash payment each month for one year and cash for related hospital stays and surgery.
If you're a Canadian resident between 18 and 55, acceptance is guaranteed with a signed declaration of health. Plus, if you never make a claim*, we refund all your premium payments.
*By age 70 or after 20 years, whichever comes first.
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Life Recovery Plus
Easy-to-understand critical illness insurance
Serious Illness can strike without warning and change your life instantly. The cost of recovery can drain your finances.
Life Recovery Plus can help get you back on your feet. If you are ever diagnosed with a Heart Attack, Stroke or Life-Threatening Cancer, you could receive up to $50,000 - a cash payment on diagnosis, a cash payment each month for a year and cash during related hospital stays or surgery - money you can use any way you choose.
If you're a Canadian resident between 18 and 60, acceptance is guaranteed with a signed declaration of health, even if you have a family history of Heart Attack, Stroke or Cancer.
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Easy-to-understand critical illness insurance
Serious Illness can strike without warning and change your life instantly. The cost of recovery can drain your finances.
Life Recovery Plus can help get you back on your feet. If you are ever diagnosed with a Heart Attack, Stroke or Life-Threatening Cancer, you could receive up to $50,000 - a cash payment on diagnosis, a cash payment each month for a year and cash during related hospital stays or surgery - money you can use any way you choose.
If you're a Canadian resident between 18 and 60, acceptance is guaranteed with a signed declaration of health, even if you have a family history of Heart Attack, Stroke or Cancer.
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Guaranteed Hospital Cash
Get cash for each day of your hospital stay
Hospital stays come with unexpected costs - from ambulances and semi-private rooms to medications and follow-up care.
With Guaranteed Hospital Cash, you get a cash payment for every day you're in the hospital - across Canada, the U.S., Mexico and the Caribbean.
You are covered from the first full day you stay in the hospital and for up to one full year for each hospitalization. There is no limit on the number of hospital stays and your coverage continues for life to a maximum total payout of $50,000.
If you're in the hospital for more than 30 days in a row, we will pay your premiums for as long as you remain hospitalized.
If you're between 18 and 80 and a resident of Canada, your acceptance is guaranteed.
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Get cash for each day of your hospital stay
Hospital stays come with unexpected costs - from ambulances and semi-private rooms to medications and follow-up care.
With Guaranteed Hospital Cash, you get a cash payment for every day you're in the hospital - across Canada, the U.S., Mexico and the Caribbean.
You are covered from the first full day you stay in the hospital and for up to one full year for each hospitalization. There is no limit on the number of hospital stays and your coverage continues for life to a maximum total payout of $50,000.
If you're in the hospital for more than 30 days in a row, we will pay your premiums for as long as you remain hospitalized.
If you're between 18 and 80 and a resident of Canada, your acceptance is guaranteed.
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FractureCare Plus
Immediate cash for broken bones, burns and more
Serious accidents happen more often than you think, often resulting in broken bones, burns and even Paralysis.
FractureCare Plus helps you protect your lifestyle when you need it most. If you suffer a Dislocation, Second or Third Degree Burns, a broken bone or are Paralyzed in an accident, FractureCare Plus will pay CASH directly to you - money you can use however you choose.
If you're between 50 and 75, and a Canadian resident acceptance is guaranteed. You will not be asked to have a medical exam or to answer any health questions. Your coverage is guaranteed for as long as you pay your premiums.
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Immediate cash for broken bones, burns and more
Serious accidents happen more often than you think, often resulting in broken bones, burns and even Paralysis.
FractureCare Plus helps you protect your lifestyle when you need it most. If you suffer a Dislocation, Second or Third Degree Burns, a broken bone or are Paralyzed in an accident, FractureCare Plus will pay CASH directly to you - money you can use however you choose.
If you're between 50 and 75, and a Canadian resident acceptance is guaranteed. You will not be asked to have a medical exam or to answer any health questions. Your coverage is guaranteed for as long as you pay your premiums.
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Travel insurance options
If you lose your luggage, miss a flight or become ill or injured while travelling, it could ruin more than your vacation. It can also result in a range of unexpected financial expenses – from replacing lost items, to paying for costly medical treatments, hospital stays or unplanned hotel bills. Travel Medical and Trip Protection insurance offered under the BMO Travel Insurance plan can help you stay protected no matter where your travels take you.
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If you lose your luggage, miss a flight or become ill or injured while travelling, it could ruin more than your vacation. It can also result in a range of unexpected financial expenses – from replacing lost items, to paying for costly medical treatments, hospital stays or unplanned hotel bills. Travel Medical and Trip Protection insurance offered under the BMO Travel Insurance plan can help you stay protected no matter where your travels take you.
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Travel Medical
Cover emergency medical expenses while travelling
If you're travelling out of province, a medical emergency can quickly turn into a financial nightmare.
Travel Medical insurance can help by covering a range of expenses you may face if you suffer a medical emergency while travelling, including costs for hospital stays, ambulances, medical treatments, private nurses, emergency air transport, emergency dental procedures and unexpected travel delays.
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Cover emergency medical expenses while travelling
If you're travelling out of province, a medical emergency can quickly turn into a financial nightmare.
Travel Medical insurance can help by covering a range of expenses you may face if you suffer a medical emergency while travelling, including costs for hospital stays, ambulances, medical treatments, private nurses, emergency air transport, emergency dental procedures and unexpected travel delays.
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Trip Protection
Protection from expenses caused by travel delays
With Trip Protection insurance, you're covered for a range of expenses associated with trip interruption and delays, flight delays or lost baggage. Optional trip cancellation also reimburses some costs if you need to cancel your trip due to a family death or an illness that affects you or someone you're travelling with.
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Protection from expenses caused by travel delays
With Trip Protection insurance, you're covered for a range of expenses associated with trip interruption and delays, flight delays or lost baggage. Optional trip cancellation also reimburses some costs if you need to cancel your trip due to a family death or an illness that affects you or someone you're travelling with.
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