Mortgage loan insurance

Get up to $1,000 cashback when you sign up for loan insurance on your new National Bank mortgage*.

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 $1,000 in cashback when you sign up for loan insurance on your new National Bank mortgage.*

Maximum insured amount


In the event of death

Maximum insured amount

$3,000 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:


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.

Build your mortgage offer 

Get up to $5,800* cashback by transferring your mortgage and adding eligible products and services to your mortgage loan.

Discover the offer

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

Illustration of a house with a crane installing a roof.

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,

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Little details that matter




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.

The promotional offer is valid until October 31, 2024.

This offer applies to Personal Banking clients of National Bank who take out a mortgage loan of $100,000 or more during the promotional period and sign up for 3 or more types of insurance coverage (life, disability, and critical illness). The amount of the cashback varies depending on the amount of coverage taken out by the borrower and their co-borrowers, if applicable, and the amount of the loan covered by life insurance. The client must sign up for mortgage loan insurance when the loan is granted or, at the latest, 30 days after the loan is disbursed. The mortgage loan insurance application must be signed during the promotional period.

This offer applies to a new purchase, external refinancing, or mortgage transfer. Mortgage renewals, internal refinancing, mortgage renegotiations and mortgage loan integrated in an All-In-One are excluded from the offer. Financing must be for a residential dwelling with 1 to 6 units.

The cashback amount can be up to $1,000.


Amount covered by life insurance from $100,000 to $399,999.99

Number of types of coverage

Total cashback

3 types of coverage


4 types of coverage


5+ types of coverage


Amount covered by life insurance of $400,000.00 and more

Number of types of coverage

Total cashback

3 types of coverage


4 types of coverage


5+ types of coverage


If all conditions are met:

  • The first half of the cashback will be awarded no later than 2 months after de loan is disbursed.
  • The remaining half of the cashback will be awarded no later than 6 months after the loan disbursement.

The cashback will be deposited in two portions to the transaction account from which mortgage payments are collected, within 30 days of the conditions being met. No insurance claim must have been accepted for your loan within the first 6 months of disbursement for all insured persons under the agreement. To benefit from the full cashback, the client must keep all the coverage to which they subscribed at disbursement for 6 months after the loan is disbursed and must be up to date with their mortgage payments.

The offer may be modified, extended, or withdrawn without prior notice at any time. The offer may not be combined with any other National Bank offer, promotion, or benefit, other than the ones mentioned in this leaflet, and cannot be applied retroactively. There is a limit of only one cashback per eligible mortgage for the duration of the promotion, regardless of the number of co-borrowers. Clients cannot benefit from the offer more than once.


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


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



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


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 Summary.

Tax on premiums:

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