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Whether you're thinking about buying life insurance for the first time, adding to your existing coverage because you're welcoming a new baby or have just purchased a new home, Term 100 can be the right plan for you. Take advantage of a wide range of Term 100 coverage options so that you can find the one that is right for you and your lifestyle. Term 100 provides you the coverage you need, for life.

  • Choose from a wide range of coverage amounts from $50,000 to $5 million
  • Your premiums don`t change so you can manage your budget
  • Lifetime coverage as long as you pay your premiums. No further premium required after you turn 100
  • Optional Extras – Term 100 has several optional riders that you may want to add to your policy. Our team of Licensed Insurance Advisors can explain them and help you choose the one that best suits your needs.

Who qualifies

  • Canadian residents ages 18 to 80

Key features

  • Premiums remain the same for the duration of the entire policy
  • Provides a tax-free cash benefit1 paid directly to your beneficiary following your death
  • Includes the BMO Insurance Health Advocate Plan at no extra charge


Online quote


What is your date of birth?

We ask for this information to determine your eligibility for our products and calculate your cost.


What is your gender?

What is your gender?


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

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


How much coverage do you need?

Help about How much insurance?
To determine the right coverage amount, consider both the short- and long-term needs for your dependents or beneficiaries. A good starting point is calculating your total debts plus 5x your annual income.


How often would you like to pay?



Our easy application process takes as little as 15 minutes to complete over the phone. Call us at 1-855-599-5929, or schedule a time that’s convenient for 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.
  • Your death results from suicide within two years after you get your policy. We will refund your premiums in this case.

This information is only a summary. Actual terms, exclusions and limitations are explained in the policy.

Back to Compare Life Insurance Plans

Insurance issued by BMO Life Assurance Company

  1. Under current tax legislation. Any interest earned during the claims process may be taxable.
  2. Subject to full underwriting requirements.