BMO: Critical Illness Insurance

A critical illness can strike anyone at any time, and the odds of surviving are better than ever with modern medicine. No one wants to think about the possibility of being diagnosed with a severe illness, but it is a possibility that no one can afford to ignore.

Considering each of your life events, if diagnosed could you afford to:

  • Continue to pay off your mortgages?
  • Receive the best possible treatment?
  • Protect your savings?
  • Pay for your children’s educational needs?
  • Plan a secure financial future?

That is why our Living Benefit plans are unique in the industry with a comprehensive list of covered conditions and value-added services designed exclusively for you.

Introducing Synergy

Synergy offers one-of-a-kind insurance coverage, combining three policies in one affordable and easy-to-manage package. Synergy’s unique design provides protection against life’s everyday risks: disability, critical illness and early death.
Suitable for your personal and business needs, Synergy allows you to protect your family against the financial impact of the unpredictable, everyday risks we all face.

Synergy provides solid insurance protection across three high risk areas at one affordable price. The convenience and simplicity of Synergy allow you to manage one policy with one amount to pay while you cover the need for three essential types of insurance.

The flexibility of Synergy gives you and your loved ones the ability to:

  • Help protect your income if you are unable to work
  • Provide mortgage and debt protection
  • Supplement gaps in group disability, critical illness and life insurance coverage
  • Protect your family against the financial impact of loss of income due to injury, illness and premature death

Synergy also includes features and options to help you customize a solution to meet your needs. Plus, when you chose Synergy, you benefit from Manulife’s one-of-a-kind health information and support service – Health Service Navigator

Learn more about Synergy and how it works at

View a sample contract