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Mortgage loan insurance

Receive up to 50% cashback on your life insurance premiums for the first year.*

Make an appointment

Call 1‑844‑320‑5857 to insure your mortgage.

Peace of mind for you and your family

Sign up for life, disability and critical illness insurance on your mortgage loan. 

Receive up to 50% cashback on your life insurance premiums for the first year.*

Maximum insured amount


In the event of death

Maximum insured amount

$2,000 per month

In the event of disability

Maximum insured amount


In the event of critical illness


Insure your mortgage at 1‑844‑320‑5857.

Mortgage loan insurance includes:


  • 3 types of coverage for your mortgage loan or All‑In‑OneTM line of credit: life, disability and critical illness insurance1
  • Help finding services and care to make your life easier
  • Insurance premiums based on the outstanding balance of your line of credit

Coverage and assistance available


If you're unable to work due to an accident or illness, disability insurance will cover your insured payments so you can focus on getting better.

Critical illness

Recovery from a critical illness can be a long and costly process. With our critical illness insurance, you're covered against cancer, stroke or heart attack—so your payments are taken care of and you can concentrate on getting better.


Protect your home and family with our life insurance. In the event of death, the insured portion of your loan is taken care of so your loved ones won't have to worry about your finances.

Quality of Life Concierge Service

Included with life insurance

This service provides referrals to nutritionists and other health care practitioners (e.g. massage therapists) as well as parental support and event planning services.

Health Care Concierge Service

Included with disability and critical illness insurance

This service provides information on healthcare resources (e.g. clinics), adapted transport, tax credits and deductions, and more. It also has resources for caregivers.

Second medical opinion

Included with disability and critical illness insurance

Would you like a second opinion on a medical diagnosis? Benefit from the expertise of professionals affiliated with major hospitals. If you'd like to seek treatment abroad, a concierge service can help you plan your travel, accommodations and appointments.

Home care

Included with critical illness insurance

Taking care of everyday chores like laundry, cleaning and meal preparation can be a challenge when you're recovering from a serious illness. Get up to nine hours of professional, experienced home care during the first year after an insurance claim.

Assistance following death

Included with life insurance

This service provides the family of the deceased with assistance in obtaining, completing and submitting a death certificate, as well as cancelling various contracts and services including leases, credit cards, driver's licence, social insurance number and social media accounts.

Little details that matter

Eligibility requirements




Place of residence

Status and enrolment



18 to 64 years old

Within Canada and the U.S.

Be a borrower, co-borrower, guarantor or endorser





Have signed up for life insurance

    • Have worked a minimum of 60 hours during the 4 weeks preceding the insurance application

    • Self-employed worker: Have earned at least $10,000 in income during the fiscal year preceding the date the insurance application was signed

Critical illness and accidentaldismemberment             


Have signed up for life insurance


* You are not eligible for disability insurance if you receive income replacement benefits, are on a leave of absence or are unemployed.

Submitting an insurance claim

Consult the claims pages for information on how to file a claim.

AMF fact sheet, summaries, insurance certificates and pamphlet on assistance services

The terms and conditions of our loan insurance are set out in the summary and the insurance certificate. To learn more about your rights before subscribing to a mortgage insurance, read the AMF fact sheet


Mortgage loan Summary (f.29593) [PDF]
Insurance certificate (f.16326P) [PDF]
Mortgage loan – New construction Summary (f.29593) [PDF]
Insurance certificate (f.25654P) [PDF]
All-In-One Summary (f.26682) [PDF]
Insurance certificate (f.16328P) [PDF]

The assistance services offered with loan insurance depend on the coverage selected. For details, see the pamphlet.

To find out what mortgage insurance can do for you and assess if you are at risk, see the flyer.

Legal disclaimers

TM All-In-One is a trademark of National Bank of Canada.

1. Subject to the terms and conditions of the insurance agreement, particularly with respect to the coverage period and maximum coverage amounts. Details are available in the FAQ and Distribution Guide.

Tax on premiums:

  • Quebec: 9%
  • Ontario: 8%
  • Manitoba: 7%

Eligibility for the mortgage loan insurance offer

This offer is valid from February 17 to October 31, 2020. The loan insurance application must be signed during this period.

To be eligible for the offer, you need to sign up for life, disability and critical illness coverage when: 

  • Your mortgage loan is opened, transferred or refinanced at the Bank    
  • Your home equity line of credit is opened or refinanced at the Bank

For a mortgage loan, the cashback is equal to 50% of the sum of your life insurance premiums for the first 12 months.  

For an All-In-One line of credit, the cashback is equal to 50% of the first 12 life insurance premiums.

You only receive the cashback if all three types of coverage are still in effect after 12 months.

If any insured person receives benefits from a claim during the first 12 months, you will not be eligible for the cashback.

If all the conditions are met, the cashback will be paid into your bank account during the 13th month.

Employees of National Bank and its subsidiaries or affiliates are eligible for the offer.

The offer may be modified, extended or withdrawn without prior notice, at any time.  

Thinking about buying?

You could receive up to $2,500 cashback 

View offer



Learn about our other insurance solutions

Loan and line of credit insurance

Don't leave your debt to your loved ones: make sure your personal loan or line of credit is repaid.

See our loan and line of credit insurance

Credit card payment insurance

Insure your credit card balance to protect yourself and your loved ones from unexpected events.

See our credit card payment protection insurance

Ready to insure your mortgage?

To sign up or find out more,

Call us

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