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  • Permanent lifetime insurance protection
  • Guaranteed rates
  • Depending on the plan, may include a guaranteed cash value
  • Can be used to cover off tax liabilities and other charges due on your estate
  • Provides a tax-free payment to your beneficiaries

Coverage for life

  • Your policy will never expire
  • Your premiums will never increase

Choose the amount

Get $25,000 to $10 million in coverage, depending on the product

To get a personalized quote, contact an Independent Insurance Advisor

Built-in cash value

Available after five or 10 years, depending on the plan

Guaranteed monthly premiums

Once your coverage is approved, your premiums are guaranteed to stay the same for life

A plan to meet your needs

  • 20 Pay Life: guaranteed premiums for 20 years, after which time your coverage is fully paid-up, plus cash values and an option to stop paying premiums for a reduced amount of coverage after 10 years
  • Term 100 Platinum: guaranteed premiums to age 100, plus cash values and an option to stop paying premiums for a reduced amount of coverage after five years
  • Pure Term 100: guaranteed premiums to age 100

Customize your plan

Add extra insurance protection to your life insurance plan

  • Accidental Death Rider: covers you in case of an accident
  • Waiver of Premium: covers your premium payments if you become disabled
  • Children’s Term Insurance Benefit: provides term life insurance for your children
  • Term Insurance Riders: adds term life insurance coverage to supplement the permanent life protection

Cancel your policy within 10 days for a full refund

Includes the BMO Insurance Health Advocate Plan at no extra charge

Contact your Investment or Insurance Advisor

Explore other insurance plans tailored to your additional needs – Preferred Term Life, Whole Life, Critical Illness, Universal Life,
Income Annuities and Guaranteed Investment Funds.

Back to Compare Life Insurance Plans

Insurance issued by BMO Life Assurance Company

Full details, terms and conditions are available on request.

Insurance benefits are tax-free payments under current legislation.