Building a seamless path from application to delivery
How we’re using digital innovation to help reduce friction, accelerate underwriting, and create a more seamless experience for advisors and clients.
Updated 
4 min. read
We've made a commitment to prioritizing digital innovation, to deliver a more connected, end-to-end experience that reflects how clients make decisions in real life. To reduce friction and create clearer, more immediate pathways to coverage, we offer a fully digitized end-to-end process for life & critical illness insurance, and Guaranteed Investment 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 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 with sometimes-complicated product, operational and underwriting questions. Rovr AI assists you by providing real time answers to your inquiries. The tool helps enhance efficiency, improve the client experience, and complements human expertise. With instantaneous and simple answers, Rovr AI, empowers you to focus on what truly matters: serving your clients.
For full details on what Rovr AI can do for you, visit bmorovrai.com.
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.
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 or visit the SmartApp User Guide for an overview of SmartApp's capabilities.
3. SmartDecision:
SmartDecision powered by VUE (our Virtual Underwriting Engine), delivers instant underwriting decisions on eligible applications submitted via SmartApp. Leveraging advanced analytics, predictive modelling and AI-enhanced capabilities, the platform evaluates risks and delivers decisions within seconds. That means advisors can focus on their client’s needs, rather than the status of an application.
SmartDecision eliminates delays in the decision-making process typically associated with traditional underwriting requirements, to offer greater certainty and transparency during client conversations.
Check out this video to see how SmartDecision can reduce underwriting decisions from weeks to seconds.
"We're fundamentally changing how underwriting is delivered. SmartDecision equips advisors with immediate, high-quality decisions and allows them to focus on what matters most - providing advice and building meaningful client relationships. It allows us to meet clients in the moment when they are ready to act." - Katarina Nikolic, VP & Chief Corporate Underwriter |
4. 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.
SmartDecision leverages BMO Insurance's Accelerated Underwriting program to deliver real-time underwriting decisions on eligible applications submitted through SmartApp. Our Accelerated Underwriting program uses data and analytics to perform the underwriting risk assessment without the need for urther medical testing.
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.
5. Rules engine:
At the core of SmartDecision is VUE (Virtual Underwriting Engine), which combines a sophisticated underwriting rules engine, advanced analytics, predictive modelling and AI-enhanced capabilities to assess risk and support automated underwriting decisions. When additional evidence is required partners like Dynacare help streamline the collection and assessment of medical information while maintaining strong underwriting discipline.
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.
6. AI/predictive models:
Predictive modelling and AI-enhanced capabilities play an important role in modern underwriting. Through VUE, BMO Insurance uses advanced analytics and predictive models to support underwriting decisions and replace key protective value found in routine age/amount requirements without degradation of an insurer’s mortality. These capabilities support SmartDecision and our Accelerated Underwriting program, enabling a faster, more seamless experience for advisors and clients.
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. Our industry-leading Accelerated Underwriting program cuts the cost and inconvenience to applicants related to obtaining fluid based underwriting evidence.
7. SmartDelivery (eDelivery):
SmartDelivery is our default eDelivery solution for all eligible new life insurance and critical illness policies. As of May 2026, 74% 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.
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.
Our focus on reducing friction and creating clearer, more immediate pathways to coverage through continued investment in innovation and digital capabilities allow us to serve you in the most effective manner and issue policies quicker for your clients. All designed for real life.
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.
Do not use any client personal information in any queries. The Rovr AI Bot is an automated system powered by Microsoft Azure AI. Rovr AI is intended to provide access to BMO Insurance underwriting documentation, product information, and advisor resources. The results are for reference purposes only and are not a substitute for specific advice. They should be used as a starting point, and all information should be verified through the linked sources.
1028E (2026/08/01)
