Services & Products
Insurance and smart financial management, under one roof
From your first term policy to corporate strategies, BMI builds protection plans around your life, your business, and your goals.
Core protection
Nine ways to protect your income, your family, and your business. Every plan starts with a conversation, not a quote engine.
Life Insurance
Tax-free lump sum paid directly to your beneficiaries.
See plan details →Disability Insurance
Monthly income replacement if illness or injury keeps you off work.
See plan details →Critical Illness Insurance
Lump-sum payment on diagnosis of a covered condition.
See plan details →Health & Dental Insurance
Prescriptions, dental care, vision, and paramedical services.
See plan details →Group Benefits
Health, dental, life, and disability coverage for your team.
See plan details →Travel & Super Visa Insurance
Emergency medical coverage while travelling or visiting Canada.
See plan details →Segregated Funds
TFSA, RRSP, RESP, FHSA, and RDSP investing through insurance contracts.
See plan details →Mortgage Protection Insurance
Your coverage, your terms: it stays with you if you switch lenders.
See plan details →Home & Auto Insurance
Your mortgage: your coverage, your terms
Most homeowners sign the lender's insurance checkbox without knowing there is another way. Coverage you own personally works differently where it matters most.
| What matters | Coverage you own | Typical lender coverage |
|---|---|---|
| Stays with you when you switch lenders | ✓ | ✗ |
| Your family chooses how the benefit is used | ✓ | ✗ Pays the lender |
| Underwritten up front, before you pay premiums | ✓ | Often reviewed at claim time |
| Benefit amount stays level | ✓ | Typically shrinks with your balance |
Product features vary by insurer and policy. We will walk you through the exact terms, side by side with what you have now, at no cost and no obligation.
COMPARE MY COVERAGEAdvanced strategies
For families building a legacy and business owners who want their capital doing double duty. These strategies involve tax and legal considerations, and we work alongside your accountant.
Child whole life
Little Moolah
A program designed for parents and guardians who want to give their child lifelong coverage and a financial head start. The policy grows as your child grows, acting as a savings vehicle for life's major milestones.
- ✓Safeguards your child's insurability for life
- ✓Cash value that can help fund education, a first home, or a business
- ✓Affordable rates locked in at a young age
The gift that compounds
Whole life coverage started in childhood locks in premiums for life and builds value your child can draw on decades from now: post-secondary education, a first home, a business launch, or the start of their own family's plan.
How an IFA works
- 1A permanent life policy is purchased and premiums are structured for value
- 2The policy is used as collateral for a lending facility
- 3Borrowed funds are redeployed into your business or investments
- 4The strategy is reviewed annually with your advisor and tax professional
Immediate Financing Arrangement
IFA: Financing with Life
A sophisticated strategy that pairs permanent life insurance with immediate access to capital. Designed for high-net-worth individuals and companies that want insurance protection without parking their liquidity.
- ✓Permanent coverage and access to cash, at the same time
- ✓Potential interest deductibility and tax-sheltered policy growth
- ✓Estate building, including capital dividend account planning for corporations
Tax outcomes depend on your situation. We build IFA strategies together with your tax and legal advisors.
EXPLORE IFABecome your own bank
Infinite Business Banking
Your business acquires a participating life insurance policy on a key shareholder, then uses that policy as collateral to secure financing. Instead of depending on a bank's timeline, you channel funds into the opportunities that drive your business.
- ✓Reduce dependence on traditional bank lending
- ✓A policy that works as a flexible financial tool
- ✓Growth inside the policy while capital works outside it
Built for owners
Best suited to established business owners and key shareholders with steady cash flow who want protection, tax-advantaged growth, and a standing source of capital in one structure.
For corporations
MyHSA: Health & Wellness Spending Accounts
A flexible alternative to traditional group benefits. Your company sets an allowance, and your team chooses how to spend it on the health and wellness that matters to them.
- ✓Health Spending Account (HSA): a fixed allowance to spend on eligible health expenses like vision and dental, with the flexibility to choose how you spend your benefit dollars
- ✓Wellness Spending Account (WSA): an allowance to spend on eligible wellness items and services, personalized to each employee
- ✓Real time balance updates
- ✓Quick reimbursement
- ✓Employee app
Why corporations choose spending accounts
Predictable cost for the company, real choice for the employee. Instead of a rigid plan nobody uses fully, every team member directs their own benefit dollars toward what they actually need.
Where it fits
Key-person protection, buy-sell funding, estate equalization, and succession planning. Corporate whole life turns an insurance need your company already has into a long-term planning asset.
For incorporated businesses
Corporate Whole Life
Permanent coverage owned by your corporation, integrated with your estate and tax planning. Premiums are paid with corporate dollars and the policy builds value the business can access.
- ✓Protect the people your company cannot run without
- ✓Tax-advantaged growth within legislative limits
- ✓A cornerstone for succession and estate planning
Speak with an advisor today
Get your free quote online in minutes, or call our 24/7 support and inquiries line. No pressure, no jargon, no cost for advice.