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COVID-19 Update: Find out what steps we’re taking to safeguard your health and continue to serve you. Learn more
Prepare quotes or submit applications using SmartApp and The Wave illustration system Get started

SmartApp

Say goodbye to paper applications – go digital!

Use SmartApp to prepare quotes and submit your clients’ life and critical illness insurance applications. It’s fast, easy and secure.

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The Wave illustration system

Prepare professional quotes quickly and easily.

Download the most recent version of The Wave illustration system now.

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BMO Insurance for advisors

Access forms and materials, stay up to date on our latest email broadcasts, explore our easy-to-use tools, or learn more about our full suite of insurance products.

Latest news

COVID-19 Update

Find out what steps we’re taking to safeguard your health and continue to serve you.

New illustration software: The Wave 46.1

Download the new wave 46.1 illustration software immediately!.

Enhancements to BMO Guaranteed Investment Funds

We’re excited to announce the following enhancements to BMO GIF effective May 10, 2021:

Why choose BMO Insurance?

When you choose us you get innovative products and a strong commitment to support independent advisors, MGAs and our mutual clients – all backed by the brand power and financial strength of BMO Financial Group. Our strength is further exemplified by our Life Insurance Capital Adequacy Test (LICAT) ratios as defined by the Office of the Superintendent of Financial Institutions (OSFI).

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Tools and resources

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Advisor tools

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Frequently Asked Questions

  • Yes. BMO Insurance supports paper-based applications as well as SmartApp, the BMO Insurance eApp. You can order the paper-based application through your MGA or print a copy right from the home page of the Yes. BMO Insurance supports paper-based applications as well as SmartApp, the BMO Insurance eApp. You can order the paper-based application through your M G A or print a copy right from the home page of the BMO Insurance Advisor website. The SmartApp is accessible from the BMO Insurance Advisor Support portal.
  • Information regarding conversions can be found on the BMO Insurance Advisor page by searching the keyword “conversion”.
    Conversion Guidelines
    Conversion Form
    Note: There is a conversion check box on the Wave illustration software. When checked, it will display the plans available for conversion. Keep in mind minimum plan requirements must be met.
  • Attending Physician Statements are required to clarify or elaborate on the applicant’s history and to corroborate test results. Attending Physician Reports can be ordered as an age/amount requirement and are frequently required for impairments such as: history of heart problems (heart attack, by pass, murmurs), cancer and diabetes. An underwriter usually requests a report from the Attending Physician to include copies of reports from all specialists seen.
  • Login to BMO Insurance Advisor Support portal. In the Search bar on the top right-hand side of the screen, you can search by policy number or insured last name.
    Note: For information regarding policies sold by Norwich Union, please contact Client Services at 1-800-387-4483 or by email at insurance.clientservices@bmo.com
  • Each policy is customized to the needs of the insured. At the time of a claim, BMO Insurance makes every effort to ensure that we provide the appropriate forms for completion based on the type of coverage and type of claim.
    To request claims forms on behalf of your client:
    1. Go to the BMO Insurance Advisor website.
    2. Select the Forms and Materials tab.
    3. Select Start a claim.
    4. Complete the form and Submit.
    You could also request forms from the Advisor Support portal:
    1. Login through BMO Insurance Advisor Support portal.
    2. Select the Forms and Materials tab.
    3. Select Start a claim.
    4. Complete the form and Submit.
    If you have any questions, contact us at 1-866-355-8855 or email us at Insurance.claims@bmo.com.