BMO Insurance Quote in Quebec
5.0 · 268 Google reviewsAdvisors certified by the AMFAn independent firm in Mascouche
BMO Insurance is part of the Bank of Montreal. Compare its products with those of more than 20 companies in Quebec.
- Backed by the Bank of Montreal
- Headquartered in Montreal — rooted in Quebec
- Financial strength of a major bank ($422B in assets)
- Simple, well-structured products
About BMO Insurance
BMO Insurance is the insurance arm of the Bank of Montreal (BMO), one of the oldest and largest banks in Canada. BMO offers competitive life, critical illness and disability insurance products, backed by the strength of a major banking institution.
BMO Insurance is backed by the Bank of Montreal, the oldest bank in Canada (founded in 1817), with more than 200 years of financial heritage. It stands out for its Health Advocate Plan, included at no charge with its Living Benefit (critical illness) policies, and for the flexibility to add critical illness coverage as a rider to any life insurance policy.
Specialties
Products offered by BMO
- 10-, 20- and 30-year term life insurance
- Permanent life insurance (whole life, universal life, Term 100)
- Critical illness insurance (policy or rider)
- Disability insurance
- Health Advocate Plan (included)
- Critical illness rider added to any life policy
Why consider BMO?
Backed by the Bank of Montreal
Headquartered in Montreal — rooted in Quebec
Financial strength of a major bank ($422B in assets)
Simple, well-structured products
Health Advocate Plan included at no charge
Flexibility to add critical illness as a rider
Why compare BMO with other insurers?
Even though BMO offers excellent products, rates and coverage vary considerably from one insurer to the next. An independent advisor certified by the AMF can compare BMO with more than 20 other companies to make sure you get the best coverage at the best rate.
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Where BMO Insurance is the cheapest in our survey
In our survey of October 30, 2026 among the insurers we compare, BMO Insurance offers the lowest monthly premium in 8 of 606 combinations (about 1%), for a non-smoker in Quebec. Here they are, by product.
10-year term life insurance
- Woman, age 50, $500,000$44.55
- Woman, age 55, $500,000$73.80
- Man, age 50, $500,000$61.20
- Man, age 50, $1,000,000$113.40
- Man, age 55, $1,000,000$188.10
- Man, age 60, $500,000$191.70
- Man, age 65, $500,000$343.80
25-year term life insurance (mortgage)
- Man, age 50, $300,000$111.15
Lowest monthly premium among the insurers surveyed through WinQuote, standard class or simplified issue depending on the product. For guidance only: your rate depends on your profile. Get your actual rate.
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The team behind the service
A small team that serves clients everywhere in Quebec. The person who calls you back works here.
Services financiers Finox inc.: an independent firm
A Quebec financial services firm registered with the Autorité des marchés financiers, based in Mascouche, independent from the insurers. 268 Google reviews, rated 5.0. Your information is used only to prepare your quotes; one person from our team calls you back.
Dany MichaudPartnerAMF no. 243405
Evan Juteau LapierrePartner and senior brokerAMF no. 260856
Étienne LejeuneSenior brokerAMF no. 250008
Alexandre ClémentAssociate advisorAMF no. 250201
Mathis Aubin SavardAdvisorAMF no. 277477
Cédric SénéchalDirector of strategic development and marketing
Kim CôtéProperty and casualty insurance
Zavier BinetteIntern
Émie BélangerAdvisor assistant
Jessica Archambault-LeonaSocial media manager
Questions about BMO Insurance
No, BMO’s insurance products are available to everyone, even if you are not a Bank of Montreal client. An independent advisor can offer them to you.
Absolutely. BMO Insurance is backed by the Bank of Montreal, founded in 1817. It is one of the most solid financial institutions in Canada.
Fill out our free form. A certified advisor will compare BMO with more than 20 other insurers to find you the best coverage.
It is a program included at no charge with BMO’s Living Benefit policies. It gives policyholders access to health and support services that help them navigate the health care system.
Yes, BMO lets you add critical illness protection as a rider to its term, whole life, Term 100 and universal life policies.
BMO Insurance is a subsidiary of BMO Financial Group. Although they are separate legal entities, BMO Insurance benefits from the bank’s strength. You do not need to be a BMO banking client to apply.
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