If I were no longer around, who would pay my mortgage?

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1 If I were no longer around, who would pay my mortgage?

2 Let us help you create a mortgage protection plan to protect you and your most valuable asset.

3 Mortgage life insurance protection Your house is your most valuable asset. You buy home insurance to protect it from loss due to fire or other unforeseen events. So why would you not protect it from loss of income and missed mortgage payments due to an unexpected death in the family? When you buy mortgage life insurance, you are buying your family peace of mind knowing that, if the unexpected happens, cash will be paid to your beneficiary to cover mortgage payments or even pay off the outstanding balance. By choosing preferred term life insurance from BMO Insurance for your mortgage protection: Both premiums and coverage are fully guaranteed Coverage is fully portable stays in place when you change homes or mortgage lenders Benefits are paid directly to your named beneficiary, tax free, for their use as needed Coverage is convertible to lifetime coverage without medical requirements Depending on your health, you may qualify for a preferred rate Your mortgage debt may decrease over time, but your preferred term life insurance benefit does not have to. Maintain your life insurance benefits to cover your remaining mortgage debt plus other obligations such as personal loans, credit card balances, college tuition, funeral expenses or providing an income for surviving family members.

4 Mortgage critical illness insurance protection Life-threatening cancer, heart attack and stroke are the three most common serious illnesses striking Canadians today. In fact, you probably know a friend, family member, neighbour or co-worker who s been stricken with a serious illness regardless of age. While it s comforting to know that medical advancements help more of us to survive a critical illness you may never recover from the often-devastating financial drain. Disability insurance only covers part of your income if you cannot work. You could have medical expenses that provincial health insurance won t cover in full or at all, or you could need immediate medical care outside of Canada. You may need costly special equipment or alterations to your home or vehicle. How would these additional expenses impact your ability to cover your mortgage payments during your recovery from a critical illness? By adding critical illness coverage from BMO Insurance to your preferred term life insurance plan, you will benefit from: Industry leading number of covered conditions Benefits are paid directly to you, not your beneficiary or mortgage lender Payment is not dependent on your ability to work Coverage is convertible to a long-term critical illness plan without medical requirements Best Doctors and Helping Hands assistance services at no extra cost By combining critical illness coverage with your preferred term life insurance coverage, you save money with only one policy fee! Cover your spouse too and save even more. IT S THAT EASY!

5 Our Commitment to You BMO Life Assurance Company, a part of BMO Financial Group, appreciates the opportunity to help you meet your financial needs. From the day Bank of Montreal was founded in 1817, earning and keeping your trust has been at the very core of our business. We are committed to respecting and protecting your privacy and confidentiality of the personal information you have entrusted to us. It is important for you to understand what information we will collect, how we will use it, and who may see it. To view our full privacy policy, please visit the privacy section at Contact your financial advisor today to learn more about how this powerful strategy can work for you. BMO Life Assurance Company 60 Yonge Street, Toronto, ON, Canada M5E 1H Information contained in this document is for illustrative purposes and is subject to change without notice. Insurer: BMO Life Assurance Company. Registered trade-mark of Bank of Montreal, used under licence. 364E (2009/07/01)

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