BMO Insurance

Combine life and critical illness insurance into one unbeatable plan and save your clients money.

Depending on what your clients need, we can help you bundle the right insurance coverage and save them money.

BMO Insurance Introduces Best Ever Bundles!

Preferred Term 10 and Term 20 rate changeskeep BMO Insurance competitive!

Add a Term 10 or Term 20 rider on any BMO Insurance Traditional Whole or Universal Life plan and we won’t charge an additional policy fee, making supplementary term coverage even more economical!

Preferred Term 10 Annual Premium Ranking² by Age (Standard Class)
Face Amount	Male Non-Smoker					Male Smoker
Face Amount	35	40	45	50	55	35	40	45	50	55
$250,000	1	2	1	1	1	2	2	1	2	2
$500,000	2	2	2	2	2	2	2	2	3	2
$1,000,000	1	4	2	2	2	2	2	2	5	2

Preferred Term 10 Annual Premium Ranking² by Age (Standard Class)
Face Amount	Female Non-Smoker					Female Smoker
Face Amount	35	40	45	50	55	35	40	45	50	55
$250,000	5	5	5	4	1	1	1	1	2	2
$500,000	4	5	6	6	4	2	2	2	2	2
$1,000,000	2	2	2	2	4	2	2	2	2	2

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Bundles

² Companies surveyed: BMO Insurance, Canada Life, Empire Life, Equitable Life, Industrial Alliance, Manulife, RBC Insurance, Standard Life, Sun Life and Transamerica, Unity (AXA also included for Preferred Term 10 and Term 20). The comparison was performed based on information believed to be reliable and in effect as of July 27, 2011. BMO Life Assurance Company is not liable for any errors or omissions in the information derived from third party sources.

The return of affordable Critical Illness rates!

Living Benefit 10 and Living Benefit 20 plans offer the most affordable critical illness plans for many key ages.

Add a Term 10 or Term 20 rider on any BMO Insurance Traditional Whole or Universal Life plan and we won’t charge an additional policy fee, making supplementary term coverage even more economical!

BMO Insurance Annual Premium Ranking¹ Benefit: $100,000
	Male Non-smoker
	30	35	40	45	50	55
Living Benefit 10	1	1	1	1	1	1
Living Benefit 20	1	1	1	1	1	1

BMO Insurance Annual Premium Ranking¹ Benefit: $100,000
	Female Non-smoker
	30	35	40	45	50	55
Living Benefit 10	1	3	1	1	1	1
Living Benefit 20	1	1	1	1	1	1

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Bundles

¹ Companies surveyed: BMO Insurance, Canada Life, Empire Life, Equitable Life, Industrial Alliance, Manulife, RBC Insurance, Standard Life and Sun Life. For the life and critical illness bundles, in situations where a company does not offer a critical illness rider on a term or universal life policy, the total cost of separate critical illness and life insurance policies was compared. Return of Premium benefit on death excluded from calculations, whenever possible. Loss of Independence included in the calculations. The comparison was performed based on information believed to be reliable and in effect as of July 27, 2011. BMO Life Assurance Company is not liable for any errors or omissions in the information derived from third party sources.

It’s the simple and affordable way to look at universal life insurance for the family market. Compare us to other universal life plans and see why more advisors are proposing LifeProvider to their clients!

Add a Term 10 or Term 20 rider on any BMO Insurance Traditional Whole or Universal Life plan and we won’t charge an additional policy fee, making supplementary term coverage even more economical!

LifeProvider NEW Level COI Minimum Annual Premium Ranking ² by Age (Standard Class)
	Male Non-smoker					Female Non-smoker
	35	40	45	50	55	35	40	45	50	55
$50,000	1	1	1	1	1	1	1	1	1	1
$100,000	1	1	1	1	1	1	1	1	1	1
$150,000	1	1	1	1	1	1	1	1	1	1
$250,000	1	1	1	1	1	1	1	1	1	1
$500,000	1	1	1	1	2	1	1	1	1	1

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Bundles

² Companies surveyed: BMO Insurance, Canada Life, Empire Life, Equitable Life, Industrial Alliance, Manulife, RBC Insurance, Standard Life, Sun Life and Transamerica, (AXA also included for Preferred Term 10 and Term 20). The comparison was performed based on information believed to be reliable and in effect as of July 27, 2011. BMO Life Assurance Company is not liable for any errors or omissions in the information derived from third party sources.

Start with a base plan. Then, add riders to complete the plan. Here are a few examples of how you can create the comprehensive coverage your clients need – at the right price!

Annual Premium Ranking1 by Age (Standard Rates)

$500,000 Preferred Term 10 + $100,000 Living Benefit 10 Rider
Male Non-smoker					Female Non-smoker
35	40	45	50	55	35	40	45	50	55
1	1	1	1	1	1	1	1	1	1

$500,000 Preferred Term 20 + $100,000 Living Benefit 20 Rider
Male Non-smoker					Female Non-smoker
35	40	45	50	55	35	40	45	50	55
1	1	1	1	1	1	1	1	1	1

$100,000 LifeProvider + $50,000 Living Benefit 10 Rider
Male Non-smoker					Female Non-smoker
35	40	45	50	55	35	40	45	50	55
1	1	1	1	3	1	2	2	3	3

$100,000 LifeProvider + $250,000 Preferred Term 10 Rider + $50,000 Living Benefit 10 Rider
Male Non-smoker					Female Non-smoker
35	40	45	50	55	35	40	45	50	55
1	1	2	1	3	1	1	1	3	3