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Do not. I Repeat DO NOT use BMO for your Life insurance.
My stupidy for choosing this kind of plan.
Just paid $4770.00 after 12 years of $30 dollar monthly payments only to find out that my payout won"t exceed $4500.00
Here is the real kick... I can either keep paying BMO $30 a month until I die and then still get $4500.00. Or I can cancel the plan now and get a refund of $442.00.
You read that right $442.00 that's not a typing error.
Response after two phone calls: " sorry, sir, that's the policy you chose". "we're very sorry". What would you like to do, sir?