The Blue Bulletin
February 2026 |
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Term just became more affordable!
Effective February 23, 2026, we’re delivering meaningful rate decreases across Term 10–30 base plans and Term riders—our most competitive updates in years. With an average 5% decrease across all ages and bands, plus proportionately lower renewal rates, these improvements make it easier to offer clients budget friendly protection backed by strong value and flexibility.
Pair the new pricing with our ready to use tools and resources to spark stronger conversations and help ensure a seamless client experience from quote to conversion. Download Wave 58.0 to quote the updated rates, review the summary of change and transition rules and start sharing the new savings with your clients today. | |
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Life & Critical Illness
- Set the stage for stronger Term discussions: With our most competitive Term rates in years, this article breaks down how the reprice, improved renewals and added empathy support help you deliver stronger, more compelling protection solutions. | Read now
- Glucose data your clients are hearing about: Katarina Nikolic, Vice President & Chief Corporate Underwriter at BMO Insurance, explains how continuous glucose monitoring is expanding beyond diabetes management into prevention, metabolic health, and longevity. | Learn more
- Enhanced flexibility: SmartDelivery now gives you more flexibility and control when delivering policies to your clients. We’re pleased to share key updates, most notably enhancements to Online eDelivery and a new Offline Delivery capability. | Watch video
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| | Mandatory update: Wave 58.0 replaces all previous versions and is required for quoting, illustrating, and submitting new business. Legacy versions should be discontinued immediately to avoid errors or non compliant submissions. | Download now |
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Guaranteed Investment Funds
- Deadline alert—add annual death guarantee reset option: Clients with 75/100 contracts can opt for the new annual death guarantee reset, but only until March 2, 2026, the end of RRSP season. Submit form 612E to add the option for existing clients. | Download now
- One‑time PAD (Pre-Authorized Debit) changes for BMO GIFs: Effective March 3, 2026, advisors with an LTA can no longer instruct one‑time PADs for BMO GIFs. One‑time PADs will require a new, client‑signed PAD agreement (Form 611E), and updated Forms 613 and 611 are now available.
- One platform for all your client’s info WealthLink simplifies how you access coverage details, run illustrations and prepare for meetings, helping you serve clients with confidence. | Explore now
- Strapping in—not tapping out: As markets grind higher despite volatility, Sadiq S. Adatia, Chief Investment Officer at BMO Global Asset Management and the Multi-Asset Solutions Team offer their updated House View of the market. Read now
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| | Have you tried our eApp yet? Submit applications in just a few clicks. | Start now |
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LifeFWD Webinars
- What’s next: Join our upcoming webinar Economic shifts and real life impact on Thursday March 5, 2026 at 1:30pm (ET) hosted by Raja Khouri, Vice President, Business Development-Wealth Products at BMO Insurance, featuring Michael Gregory, Deputy Chief Economist and Managing Director at BMO Capital Markets. Explore how today’s economic changes are affecting real world outcomes. | Register now
- Missed our last session? Watch the full recording of Keeping pace with AI to unlock real impact in insurance, to hear practical perspectives on turning AI into measurable value. | Watch video
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Underwriting
- Updated Field Underwriting manual: Your go-to reference has been refreshed with clearer criteria, improved definitions and structured guidance to help you submit stronger applications | Read now
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In case you missed it
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