Term Life

Preferred Term: Available in Term 10, 20 and 30. May be converted at any time prior to age 70 to any permanent plan regularly issued by BMO Insurance for conversion purposes, for up to the full face amount without evidence of insurability.
EasyTerm 10: Available ages 18 to 45, $100,000 to $250,000. May be converted at any time prior to age 70 to any permanent plan regularly issued by BMO Insurance for conversion purposes, for up to the full face amount without evidence of insurability.

Non-participating Whole Life

20 Pay Life: 20 Pay Life is a fully guaranteed non-participating plan offering level coverage and guaranteed premiums payable for the first 20 years, after which the policy becomes fully paid. Cash values and reduced-paid up are fully guaranteed.
Term 100 Platinum: A fully guaranteed non-participating plans offering level coverage at guaranteed premiums payable to age 100, after which the policy becomes fully paid. Cash values and reduced paid-up values are fully guaranteed.
Term 100 Plus: A fully guaranteed non-participating plans offering level coverage at guaranteed premiums payable to age 100, after which the policy becomes fully paid. Cash values and reduced paid-up values are fully guaranteed.
Pure Term 100: A permanent non-participating plan offering level coverage at guaranteed premiums payable to age 100, after which the policy becomes fully paid.

Universal Life

LifeProvider: A simple, easy-to-manage and affordable universal life plan that can accommodate your changing insurance needs.
Life Dimensions: A market-leading plan that can cover various estate and wealth accumulation needs. A flexible Universal Life plan with solid guarantees, competitive rates and the widest selection of investment options.
Life Dimensions Prestige: A flexible Universal Life plan with solid guarantees, competitive rates and the widest selection of investment options. Universal life solution that combine the benefits of flexible insurance coverage and the power of a tax-deferred investment. A plan that provide insurance protection, wealth accumulation and estate planning features for both personal and business needs.

Critical Illness

Living Benefit 10 and 20: These plans offer level coverage to age 75 with premiums changing every 10 or 20 years. Your can convert to level premiums at any time before age 60. Both plans allow for a Return of Premium on a Death rider.
Living Benefit 75 and 100: These plans offer level coverage to either age 75 or Age 100, and premiums guaranteed never to increase. Each allows for Return of Premium options, both at time of death and if your decide to discontinue coverage. The Living Benefit 100 plan is also available on a quick-pay basis.

Types of Annuities

Life Annuities: Provides income for as long as you live. If you choose a guaranteed period on your annuity, your income payments will be guaranteed for the selected number of years. If you die during this time, a death benefit is paid to your beneficiaries.
Joint-Life Annuities: Provides income payments for as long as either person lives. A guaranteed period may be selected where there is a death benefit to your beneficiaries.
Term Certain Annuities: Provide a specified number of income payments. If you die before all the specified payments have been made, a death benefit is paid to your beneficiaries.
Ready to speak with an adviser, get a quote or simply need someone to answer a question?

Contact Us and a licensed life agent serving Barrie will take time to ensure you clearly understand all your options.

Not in Barrie?

Live Help

We are here to help, even if it is as simple as finding the right phone number for that policy you bought when you got married.

Insurance Glossary

Permanent Insurance: Life insurance that provides coverage throughout the insured's lifetime, provided premiums are paid as stated in the policy, and also provides a savings element through the accrual of a "cash value".



      How Much Insurance Do I Need?

Copyright © 2014 Life Insurance Guy Barrie, Ontario, CANADA