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Permanent life insurance with guaranteed acceptance

Regardless of your health status, if you're between 40 and 75, Guaranteed-Life Plus insurance allows you to be covered immediately  footnote 1 with no medical questions asked. Have the comfort of knowing that you're covered for the rest of your life as long as you continue to pay your premiums. You'll be able to provide funds to the important people in your life when you're gone.



Benefits
  • Get up to $50,000 in basic benefit coverage
  • Get up to $250,000 in Accidental Death Benefit coverage
  • Choose the premium that's right for you, from $20 to $120 per month  footnote 2
  • Your Accidental Death Benefit coverage starts immediately once we receive your application
  • You're eligible regardless of your health status
  • Easy claims process for beneficiaries
  • A tax-free cash benefit  footnote 3 for your beneficiary to use however they choose
  • Get lifetime coverage as long as you continue to pay your premiums up to age 95  footnote 4

Who qualifies

  • Canadian residents ages 40 to 75
  • Guaranteed acceptance

Key features

  • Basic Benefit provides tax-free cash paid directly to your beneficiary following your death. In the first two years, the basic benefit is the amount of premiums paid
  • Accidental Death Benefit will pay your beneficiary five times your basic benefit if you die as a result of a covered accident and Accidental Death Benefit coverage ends when you turn 85
  • Guaranteed coverage. No health questions are asked and no medical exam is required when you apply
  • 30-day free look. Cancel any time within the first 30 days with no further obligation

Tools

Online quote

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Have you used any tobacco, nicotine substitutes or marijuana in the past 12 months?

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How often would you like to pay?

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If you are in Quebec, do not proceed with the online application. Please call us at 1-855-422-8690 and an advisor will help you.

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What's not covered

Your beneficiary will not receive benefits if:

  • You provide false, incorrect or incomplete information during the application process.

Additionally, the Accidental Death Benefit isn't payable if your death occurs directly or indirectly from:

  • Drug or alcohol use
  • War or civil disorder
  • The commission or an attempt to commit, a criminal offence

This information is only a summary. Actual terms, exclusions and limitations are explained in the policy. A sample policy document can be viewed here. Access a sample policy PDF


 

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"Helping Hands® Registered trademark of BMO Life Assurance Company. Helping Hands services provided by Morneau Shepell."

  1. 1.Service provided by Helping Hands if you pass away more than 200 km from your Canadian residence. Arrangement will cover transportation of remains to your Canadian residence.
  2. 2.Under current tax legislation. Any interest earned during the claims process may be taxable.
  3. 3.Under current tax legislation. Any interest earned during the claims process may be taxable.
  4. 4.Accidental Death Benefit coverage ends when you turn 85.