BMO Fixed Mortgage Consumer Reviews

I was denied coverage for my mortgage due to mild anxiety. In every other way, I am a perfectly healthy 29 years old. But because I was honest in my health evaluation, I was deemed too high risk for them. It worries me that this will discourage people from seeking help because they might worry about being denied coverage. And in this day and age of COVID, who doesn't have anxiety?

My wife and I recently obtained a mortgage through BMO and registered for job loss protection insurance and life insurance. Mine was approved, no problem (despite being on more meds and having more minor conditions), but my spouse was denied for job loss and her experience was hellish. She had Multiple Sclerosis (although only one episode over 10 years ago and doctors are saying she may not have it after all), so that was the red flag for them. It took them months to talk about the issue because their hours of operation are very inconvenient. If you work full-time Monday to Friday, you better be willing to discuss your detailed medical history at work. When they were finally able to connect, the woman was extremely rude. The questions were invasive. She asked detailed questions about a recent dermatology referral (completely unrelated) and was just ridiculously rude. My wife also has a sports injury, which has left her with leg/foot pain and numbness. In order to deal with the pain, she uses medical marijuana (never before work), of which both her doctor and employer are accepting. She was denied for job loss insurance due to the leg/foot pain and marijuana use. Nothing to do with the MS at all. Basing the decision on medical marijuana use is discriminatory, especially when it's now legal. They didn't question alcohol use at all, which would be more highly related to job loss. The real kicker is how rude they were. The life insurance decision is pending, however, I don't expect anything. Of course, we sent them tons of payments already. Stay away.