Terms of Use
Last updated: February 2026
1. Educational Purpose
SmartMortgageInsurance.com provides educational information and estimates only. The rates, figures, and comparisons shown on this site are approximations based on publicly available information and industry averages. They should not be considered as financial advice or binding quotes.
2. Not Insurance Advice
This site does not sell insurance and is not affiliated with any bank or insurance company. We are not licensed insurance advisors. Always consult with a licensed, independent life insurance broker before making any insurance decisions.
3. Accuracy of Information
While we strive to keep information current and accurate, actual insurance premiums vary based on your health, age, lifestyle, and the specific insurer. Bank mortgage life insurance rates shown are estimates and may differ from current offerings.
4. Use of the Calculator
Our savings calculator is a free tool designed to provide general estimates. Results are for informational purposes only and do not constitute an offer or guarantee of savings. Individual results will vary.
5. Third-Party Links
This site may contain links to third-party websites. We are not responsible for the content or privacy practices of those sites.
6. Limitation of Liability
SmartMortgageInsurance.com and its operators shall not be liable for any damages arising from your use of this website or reliance on the information provided. All figures are in Canadian dollars.
7. Contact
For questions about these terms, please contact us at info@smartmortgageinsurance.com.