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We strongly recommend that you download the newest version of The Wave (v54.0) to ensure the best possible client experience. Learn more
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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.

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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.

In compliance with Quebec’s French Language Act, as of June 1, 2023, contracted advisors are expected to provide all clients in Quebec, including those whose preferred language is English, with a French version of the respective insurance or segregated fund application form at the start of the application process. Learn more

Latest news

2024 Performance Bonus Rate Announcement

New illustration software: The Wave 54.0

Download the new wave 54.0 illustration software immediately!

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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Advisor tools

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Frequently Asked Questions

  • Yes. B M O Insurance supports paper-based applications as well as SmartApp, the B M O 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
  • 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