Talk to your clients about critical illness plans

Assistance Service

All Living Benefits base plans and riders have access to the BMO Insurance Health Advocate^TM Plan ^{footnote 33} at no additional charge. This comprehensive assistance service package provides clients and their family members with an extensive range of medical counselling and personal assistance services including:

• A second medical opinion
• Navigating the Canadian healthcare system
• Health coaching and online health and wellness resources

Be sure to review these additional benefits with your clients and remind your existing Living Benefits clients of their value.

Need resources?

Take the time to discuss the features and benefits of our living benefits plans with your clients and prospects. Here are online resources that can help:

For you:

• Critical Illness Product Overview 216E
• Critical Illness Product Guide 700
• BMO Insurance Health Advocate Plan - Advisor Guide 726E 

For your clients:

• Shareable article: Early discovery benefits
• Shareable article: Critical illness insurance can provide a financial safety net
• Video: Case study 
• Video: BMO Insurance Health Advocate Plan
• Critical Illness Calculator
• A Critical Illness Can Affect Anyone 717E 
• Understanding Critical Illness Insurance 345E

Did you know?

Our Living Benefit Plans offer your clients access to our early discovery benefit to help them get financial support if diagnosed with a covered critical illness in its early stages. ^{footnote 44}

¹Footnote 1 details See policy contract for complete definitions of covered conditions.
²Footnote 2 details Please refer to the product guide as some riders are not available on all plans.
³Footnote 3 details Your clients and their immediate family members including their spouse and children, have access to these services at any time. In addition, once every three years, their extended family members, including their parents, their siblings and their spouse’s parents and siblings, get to access these services for free, without compromising your access.
⁴Footnote 4 details A maximum of four early discovery benefits may be payable per policy, provided each claim is for a different early discovery covered condition. There will be no change to premiums or the sum insured upon payment of the early discovery benefit.

Disclaimer:

These comments are general in nature and should not be construed to be legal or tax advice, as each client‘s situation is different. Please consult your own legal and tax advisor.  

Please consult the appropriate policy contract for details on the terms, conditions, benefits, guarantees, exclusions, and limitations. The actual policy issued governs. Each policyholder’s financial circumstances are unique, and they must obtain and rely upon independent tax, accounting, legal and other advice concerning the structure of their insurance, as they deem appropriate for their particular circumstances. BMO Life Assurance Company does not provide any such advice to the policyholder or to the insurance advisor.