SmartDelivery – For electronic policy delivery
SmartDelivery is BMO Insurance’s eDelivery solution for new life insurance and critical illness policies, and most term conversion policies1. With SmartDelivery you can:
- manage settlement documents that require manual completion.
- capture eSignatures on key settlement documents.
- review and electronically deliver policies to your clients.
- send completed settlement documents electronically to BMO Insurance.
Login with your current Advisor Support ID to access SmartDelivery.
Benefits of SmartDelivery
Helpful resources to get started
SmartDelivery FAQ
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SmartDelivery is BMO Insurance’s electronic policy delivery (eDelivery) solution allowing you to manage your policy and settlement documents more efficiently.
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- Review and electronically deliver policies to your clients.
- Capture eSignatures on key settlement documents.
- Complete any manual settlement documents.
- Return settling requirements to BMO Insurance digitally, in real time.
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If you require assistance with the SmartDelivery process, please contact our Digital Support Team (DST) at insurance.dst@bmo.com or 1-855-208-3675 from Monday to Friday, 9:00AM - 6:00PM ET.If you have questions about the specific delivery requirements or contract for a specific policy, please contact your MGA/National Account New Business team.
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To access SmartDelivery, visit the Advisor Support site using your personal User ID and password that you received when you were originally contracted with BMO Insurance. Once you login, click on the SmartDelivery tab to get started.If you don’t have this information, please contact our Digital Support Team (DST) at insurance.dst@bmo.com or 1-855-208-3675 from Monday to Friday, 9:00AM - 6:00PM ET.
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The servicing advisor will receive an email as soon as a policy has been issued and is available for eDelivery.
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Yes, the servicing advisor can assign a licensed assistant to assist with the eDelivery of a policy. A licensed assistant can:
- view policy on their SmartDelivery dashboard.
- view policy details and perform all components of the eDelivery process, except for eSigning the eDelivery documents.
The individual ultimately accountable for delivery is still the servicing advisor, who must therefore eSign the delivery documents. -
SmartDelivery is now the default delivery method for all new Life and Critical Illness Insurance policies, as well as all conversions. However, there are certain circumstances in which eDelivery is not currently supported and a paper policy is issued by default.SmartDelivery cannot be used:
- if each owner and insured person do not have unique e-mail addresses and mobile phone numbers (these are required for authentication purposes) or;
- if any life insured is under the age of 16 (or 18 in the province of Quebec) or;
- if the policy is owned by an entity (corporation/trust) and the insured is not the sole signing officer of the entity or;
- if the policy is a term conversion from a policy originally issued by Abbey Life, ITT Hartford, or Norwich Union1, or;
- if the policy is an Annuity or Segregated Fund or;
- if policies were issued as a result of a policy split or other change to an inforce policy.
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BMO Insurance will only issue paper contracts for policies that are ineligible for eDelivery, or for clients who lack the email and SMS mobile phone capabilities necessary to participate in the eSign process.After completing the eDelivery process and downloading the policy, clients are able to print it. The advisor can also print the policy once the eDelivery process is complete.
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There are no restrictions on the types of devices that advisors or clients may use to complete the SmartDelivery process. To complete the eSign process, we recommend using a touch-enabled tablet, laptop, or desktop computer. Other laptops and personal computers can also be used. The device must be connected to the internet for eDelivery to be completed.
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SmartDelivery has been thoroughly tested for compatibility with the most recent versions of Edge, Chrome, Firefox, and Safari.
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Until the Expiration Date shown on the SmartDelivery dashboard, an eDelivery package will be available for eDelivery. In most cases, this is 45 days from the policy's date of issue.
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Each signing party has seven days to complete the signing process before the signing session expires. If the session expires and the client still wishes to sign, a new eSign invitation can be sent to the client using the SmartDelivery record's 'eSign status, document upload, and submission' screen.
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In most instances, your clients should receive an email directly in their inbox from OneSpan.However, due to the settings of ISPs and email providers, this email may in some cases end up in the Junk Box. In such circumstances, simply advise your clients to check their Junk Email folder for OneSpan messages.The recipient can then recover the email, move it to their inbox, and proceed with the next steps. If this is unsuccessful, you can resend the invitation using the SmartDelivery record's 'eSign status, document upload, and submission' screen.
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If your client received both the eSignature invitation email and the authentication code via SMS, but is unable to successfully login, please contact our Digital Support Team (DST) at:
- 1-855-208-3675 (Monday to Friday, 9:00 AM - 6:00 PM (ET)) or;
- insurance.DST@bmo.com
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SmartDelivery provides the option to return a policy to BMO Insurance and specify the reason for doing so. While viewing a case, select the "REJECT POLICY" button and follow the on-screen prompts to specify why the eDelivery will not be completed.eDelivery records are viewable on the eDelivery History tab within SmartDelivery for 30 days from completion of eDelivery.SmartDelivery uses the same OneSpan solution as SmartApp for electronic signatures. The only differences are:
- With SmartApp, the client will use a password provided by the advisor to access the eSign process. With SmartDelivery, the client will access the eSign process using a system generated password and sent through SMS to their mobile phone.
- With SmartApp the advisor does not need to eSign. With SmartDelivery the advisor is required to eSign.
The eSign process includes standard settlement requirements & the contract delivery receipt and amendment (if one is required).If additional documents require completion or signature upon delivery, they must be manually downloaded, completed, and uploaded back to the package before being submitted to BMO Insurance for settlement.The most effective method for avoiding the requirement for manual documentation is to ensure that the application is complete and that all required forms and information are submitted prior to policy issuance.
Get in touch with us
If you don’t have a login, or require technical assistance with the SmartDelivery process, please contact our Digital Support Team (DST) at:
(Monday to Friday, 9:00 AM - 6:00PM (ET))
1 Term policy conversions from policies originally issued by Abbey Life, ITT Hartford or Norwich Union will not be delivered using SmartDelivery.