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Reason #1: Highly Competitive Rates 

BMO Insurance Premium Ranking¹
$100,000 Benefit (includes ROPD) 

BMO Insurance Premium Ranking¹

$50,000 Benefit (Includes ROPD and ROPS)

Reason #2: Comprehensive Coverage

• 25 covered conditions including Loss of Independent Existence
• 2013 CLHIA benchmark definitions

Reason #3: Early Discovery Benefit

• Payment of 15% up to $50,000 of the sum insured on the date of diagnosis of one of the following Early Discovery Covered Conditions:
  • Early Prostate Cancer
  • Early Breast Cancer
  • Early Skin Cancer
  • Early Stage Blood Cancer
  • Early Thyroid Cancer
  • Early Stage Intestinal Cancer
  • Coronary Angioplasty
• No deduction to the Critical Illness Benefit after payment

Reason #4: Multiple ROPS options

• Available on Level and Permanent Plans

Reason #5: Guaranteed Conversion Option

• Available on all Renewable Plans
• Living Benefit 10 and 20 may be converted at any time up to age 60 to Living Benefit 75, 100 or 15-Pay plans with rates in effect as of the original Policy Issue Date

Reason #6: BMO Insurance Health Advocate^TM Plan

• Available at NO Extra Charge
• Medical Information and Advisory Services ^††
  • Offer your clients unlimited access to medical information and services from Best Doctors^®† — a leader when it comes to delivering world class medical advice and support.
• Personal Assistance Services ^††
  • Offer your clients personal assistance services provided by Morneau Shepell, one of Canada’s leading providers of these programs.

Reason #7: Bundle up and Save!

• Living Benefit plans available as a rider on all Term and UL policies
• Multi-policy fee discount available when Living Benefit plans and Term plans are submitted at the same time

¹  Companies surveyed:   BMO Insurance, Canada Life, Desjardins Financial, Equitable Life, Foresters Insurance, Industrial Alliance, ivari, Manulife, RBC Insurance, SSQ Insurance, and Sun Life.  ROPD included in the calculations.  Loss of Independence included in the calculations.  Not all companies surveyed offered all product options.  Ranking is based on the lowest annual premium. The comparison was performed based on information believed to be reliable and in effect as at January 7, 2017.  BMO Insurance is not liable for any errors or omissions in the information derived from third party sources.  Source: LifeGuide (2017.01) and software illustration.

* ROPS15: Return of Premium on Surrender - 100% starting on or after the 15th policy anniversary
* ROPS20: Return of Premium on Surrender - 100% starting on or after the 20th policy anniversary
* ROPS65: Return of Premium on Surrender - 100% starting on or after the insured’s attained age 65
* ROPX: Return of Premium on Expiry - 100% on the insured’s attained age 75

Please consult the appropriate policy contract for details on the terms, conditions, benefits, guarantees, exclusions and limitations. The actual policy issued governs.

^††  BMO Insurance offers the services on a referral basis only and will not charge you for the services provided. Morneau Shepell and Best Doctors will not charge you for the services they provide. You may however, incur additional costs for services or for providers that may be referred to you by Morneau Shepell or Best Doctors. These additional charges are incurred at your sole discretion and BMO Insurance will not be liable for their payment. BMO Insurance reserves the right to change the service provider, the nature of services or cancel access to these services at any time without notice, unless otherwise stated.

^®† Best Doctors is a registered trademark of Best Doctors, Inc.  Expenses associated with medical treatment, travel and lodging relating to these services are the responsibility of the member.

For advisor use only.

MB 450 (2017/02/09)