BMO® Insurance critical illness rates are top-ranked!
Critical Illness

Never has renewable critical illness insurance been so affordable with BMO Insurance:

BMO Insurance Renewable Living Benefit Annual Premium Ranking1
$100,000 Face Amount

PLAN Male Non-Smoker (Ages) Female Non-Smoker (Ages)
 3540455055 3540455055
Term 10 1 1 1 1 1 3 1 1 1 1
Term 20 1 1 1 1 1 1 1 1 1 1

And for those who want permanent lifetime protection but don’t want premiums as a retirement expense, our quick-pay permanent Living Benefit critical illness plan leads the way!

BMO Insurance Permanent 15-Pay Living Benefit 100 Annual Premium Ranking2
$100,000 Face Amount

PLAN Male Non-Smoker (Ages) Female Non-Smoker (Ages)
 3540455055 3540455055
15-Pay Term 100 1 1 1 1 1 1 1 1 1 1

Plus, did you know ...

  • Our Renewable LB10 & LB20 CI plans have very competitive renewal rates
  • New Renewable LB10 & LB20 CI plans can be converted to a Term-to-75 or a Term-to-100 CI Conversion plan – with full commission!
  • Multi-policy fee discount availability for family or business relationships
  • Pre-approved critical illness program on selected Preferred Term 10, 20 and 30 policies
  • Availability of Living Benefit plans as riders on any of our Preferred Term or Universal Life plans with no additional policy fee – bundle up and save!
  • Industry leading number of covered conditions*
  • All CI plans and riders include Best Doctors and Helping Hands assistance

* 15-Pay LB100 does not include Loss of Independent Existence.

1 Companies surveyed: BMO Insurance, Canada Life, Empire Life, Equitable Life, Industrial Alliance, Manulife, RBC Insurance, Standard Life and Sun Life. Return of Premium benefit on death excluded from calculations, whenever possible.
Loss of Independence included in the calculations.

2 Companies surveyed: BMO Insurance, Canada Life, Manulife and Sun Life. Return of premium benefit on death and surrender excluded from calculations. Loss of Independence excluded in the calculations.

The comparison was performed based on information believed to be reliable and in effect as of July 27, 2011. BMO Life Assurance Company is not liable for any errors or omissions in the information derived from third party sources.

MB 211 (2011/07/27)

To find out more about BMO Insurance products, please call your MGA or contact the BMO Insurance regional sales office in your area or visit

Ontario Region
Quebec - Atlantic Region
Western Region

Information contained in this document is for illustrative purposes and is subject to change without notice.

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BMO Life Assurance Company | 60 Yonge Street | Toronto | ON | M5E 1H5 | Canada