End-to-end digital application processing
Here’s how we digitally support you from end-to-end (application to delivery)
Updated 
4 min. read
We have made a commitment to prioritizing digital innovation, with key initiatives driving our momentum. To support you in this change, we offer a fully digitized end-to-end process for life & critical illness insurance applications, and Guaranteed Investmend Fund (GIF) applications. Our solutions are designed to meet you wherever you are – face to face or non-face to face.
Here’s how we digitally support you from end to end (application to delivery):
For GIF
eApp:
The new BMO GIF eApplication (eApp) lets you complete, sign, and submit BMO GIF applications for clients in a lightning-fast and fully digital end-to-end experience. Access the application via WealthLink and get step-by-step instructions with the electronic user guide. For convenience, Wealthlink now offers delegate access. This allows you to assign delegates who can access Wealthlink accounts, and the new eApp, on your behalf.
For life and critical illness insurance
1. Rovr AI
Rovr AI is the first digital assistant of its kind in Canada's life insurance industry, designed to support advisors during the field underwriting process. Rovr AI assists advisors by providing real time answers on insurability inquiries and helps enhance efficiency, improve the client experience, and complement human expertise during the quoting and application process. With instantaneous answers from Rovr AI, 24 hours a day, the underwriting process is streamlined. Advisors can anticipate underwriting outcomes and empowers you to focus on what truly matters: serving your clients.
2. SmartApp (eApplication)
Our electronic application is designed to efficiently collect all required information to successfully submit an application that is ‘in good order’. For convenience, we have enabled approvals for you or your licensed assistant to complete the application. The SmartApp can be used for our full suite of life and CI products in either a face-to-face or non-face-to-face sales scenario. Applications qualifying for non-medical age and amount requirements are offered the flexibilty to complete the medical questions in the application or via a tele-interview with Dynacare. We fully integrated all signatures and use plain language to support your application journey.
By utilizing our electronic application, your case will be in good order and automatically set up in our New Business system, thereby reducing errors and cycle time. Check out this video to see how SmartApp can benefit you.
3. Accelerated Underwriting
It’s time to give Canadians a better experience when it comes to the life insurance application process. If your clients meet eligibility requirements, we’ll process their application through our Accelerated Underwriting program.
Our Accelerated Underwriting program uses data and analytics to perform the underwriting risk assessment without the need for urther medical testing. At the time of this article’s publication, 60% of accelerated underwritten applications were automatically decisioned by BMO Insurance's straight through process (STP).
Your clients may qualify for accelerated underwriting limits up to and including $5,000,000 and to be underwritten without any further medical tests or other requirements, which can help get their policies issued faster.
Get full details in the Frequently Asked Questions for Accelerated Underwriting.
PLUS: On all life insurance products, we’ve removed Resting and Stress Electrocardiogram (ECG) requirements for all face amounts and ages.
4. Rules engine
We have strategically designed an interactive rules engine to ask key insurability questions that our underwriting process requires to assess your applications. In partnership with Dynacare, our medical evidence provider, we automatically integrate the results of any lab work associated with your case. Our data analytics tools assess and support our straight through processing.
Over time, our predictive modelling capabilities will continue to provide insight into advisor behaviour and stratify our risks to benefit applicants and support competitive pricing for our advisors.
5. AI/predictive models
The use of Artificial Intelligence through the implementation of predictive modelling is emerging in the Canadian life insurance space. Some carriers have implemented models while others have not yet started. The goal is to be able to replace key protective value found in routine age/amount requirements without degradation of an insurer’s mortality. As a result, we can improve our risk assessment and reduce the need for certain biometric fluid tests, which increase our expenses and underwriting cycle time.
By adopting predictive modeling into our underwriting methodology, we’ve enhanced our Accelerated Underwriting program and cut the cost and inconvenience to applicants related to obtaining fluid based underwriting evidence.
6. SmartDelivery (eDelivery)
SmartDelivery is our default eDelivery solution for all eligible new life insurance and critical illness policies. In May 2025, 70% of settled life and critical illness policies were delivered via the SmartDelivery platform. With SmartDelivery, you control the delivery of the policy to your clients. Your clients also have the flexibility to electronically review, confirm acceptance, and download a copy of their insurance policies.
We deliver this while keeping all parties informed during the journey. This video details what SmartDelivery can do for you.
Our digital offerings in the New Business and Underwriting process allow us to serve you in the most effective manner and issue policies quicker for your clients. A win for everyone!
We look forward to continued innovation and improvement in all our processes, to provide you and your clients with simple but effective digital solutions.
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.
Insurer: BMO Life Assurance Company 1028E (2025/07/01)
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