Mortgage insurance  

Get up to $1,000 when you take out default insurance on your new mortgage1 or up to $450 upon your renewal2 

Make an appointment    or call us at 1-844-320-5857

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Our coverage | Take advantage of our promotions | Build your mortgage | Learn about our other insurance solutions

Our coverage

We’ve designed our coverage to offer you and your loved ones peace of mind.

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Coverage

Disability

In the event of physical or psychological disability, we'll take over your insured mortgage payments while you concentrate on your recovery. 

Insured amount up to $3,000 per month in the event of disability. 3

Eligibility criteria

Must have life insurance coverage.

Have performed paid work for a job totalling at least 60 hours over the last 4 weeks.

Self-employed: have generated gross income from employment of at least $10,000 during the last fiscal year prior to signing the application.

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Coverage

Critical illness

Your health comes first. Our coverage will help by reducing or covering your mortgage balance so you can focus on what matters most.

Coverage provided for critical illnesses up to a maximum of $150,000, equal to the insured balance of your mortgage. 3

Eligibility criteria 

Must have life insurance coverage.

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Coverage

Life

In the event of your passing, your coverage can help repay the insured balance of your mortgage, easing the financial burden on your loved ones. 3

Eligibility criteria

Must be between 18- and 64-years old.

Country of residence: Canada or the United States.

You must be a borrower, co-borrower, endorser or guarantor of a loan.

Take advantage of our promotions

Up to $1,000 cashback

Promotion for new mortgages

Get up to $1,000 cashback when you take out at least 3 insurance policies on your new mortgage. 1

Up to $600 cashback on insured loans from $100,000 to $399,999   
 
Up to $1000 cashback for a loan of $400,000 or more   
 
Contact one of our specialists to purchase insurance.

Make an appointment

This promotional offer is valid until November 4, 2025, for a new mortgage of $100,000 or more, covered by a minimum of 3 protections.

Up to $450 cashback

Promotion for mortgage renewals

You could get up to $450 cashback for each added protection (disability, critical illness and life) on your mortgage renewal. 2
 
$50 cashback on insured loans under $99,999  

$100 cashback on insured loans between $100,000 and $299,999  

$150 cashback on loans of $300,000 or more  
 
Contact one of our advisors today to get started.

Make an appointment

Offer valid from April 28, 2025 to October 31, 2025.

You can also call us at 1-844-320-5857

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Build your mortgage offer

Take advantage of our mortgage solutions and you could be eligible for some savings*

Discover our offers

*For a limited time. Please refer to the terms and conditions of each promotion. 

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

We’ll help guide you

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Do you need to insure your mortgage?

To sign up or find out more, call us.

1-844-320-5857
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Need to make a claim?

Visit the claims page for information on how to make your claim.

Visit the claims page

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We’re here to help

Our mortgage specialists are here to give you personalized advice and help you with your project.

Make an appointment

Little details that matter

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Terms of use
National Bank’s virtual assistant

When using our Virtual Assistant Service (the "Chatbot"), you accept these Terms of Use, which are subject to change without notice. Furthermore, you agree to consult these Terms of Use from time to time and acknowledge that your continuing use of the Chatbot means that you have accepted any changes that may have been made. Your continued use of the Chatbot means that you’ve read, understand and agree to these Terms of Use, the Terms of Use for our website, our Online transaction services, and to our privacy policy. You also understand any other agreements that you have with us will continue to apply when you use the Chatbot.

1. Our Services and your responsibilities

The Chatbot is an automated service which is integrated into our online banking platform.

The Chatbot is preprogrammed to answer general questions concerning the use of our online banking platform solely for informational purposes. The Chatbot is not able to answer questions on personal monetary transactions or products you hold with us.

By using the Chatbot, you understand and agree that:

  • The Chatbot does not provide financial advice or financial planning services.
  • The Chatbot does not conduct any banking transactions.
  • The Chatbot may not be able to answer all your questions. Therefore, it may not be able to provide you with the information you require. You must judge whether the answer provided responds to your question accurately. In the case of uncertainty, a customer service representative would be happy to help you. You can call us toll free at 1-888-483-5628 or 514-394-5555.
  • The Chatbot is not a complaint service. You cannot use the Chatbot to file complaints. If you have any complaints, you can contact us at the number indicated above.
  • We monitor, record and store the discussion that you have with the Chatbot to improve our interactions with our clients.
  • You will not provide the Chatbot with any confidential, personal, or private information. For example, you will not provide the Chatbot with your login information, PIN or other personal banking information.

2. Limitation of Liability

You acknowledge that we won’t be liable for any losses or damages that you may suffer as a result of your use of the Chatbot, including if the Chatbot is unavailable for any reason.

We cannot guarantee that the results obtained via the Chatbot will be accurate and reliable and that the answers provided will meet your expectations.

We will not be held liable for damages you incur as a result of:

  • Any delay, error, interruption or omission on our part or any other event beyond our control.
  • Any deficiency or technical error or any unavailability of our systems and wireless networks.
  • Your failure to meet any of your obligations.
  • Any amendment to or suspension, refusal or blockage of the Chatbot.
  • Any decision or measure you take in response to information and data obtained via the Chatbot.
  • Any other damages you may incur that are not caused by negligence on our part.

3. Language

You have requested that these Terms of Use, and related documents be drawn up in English.

4. Governing Law

These Terms of Use are governed and must be interpreted in accordance with the laws in force in the province or territory where you reside. If you reside outside Canada, the laws in force and the courts of competent jurisdiction are those of the province of Quebec.

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