SmartDelivery

The servicing advisor will receive an email as soon as a policy has been issued and is available for eDelivery. MGAsManaging General Agents will receive a copy of this notification.

SmartDelivery is now the default delivery method for all new Life and Critical Illness Insurance policies, as well as all conversions. However, there are certain circumstances in which eDelivery is not currently supported and a paper policy is issued by default.

SmartDelivery cannot be used:

• if each owner and insured person do not have unique e-mail addresses and mobile phone numbers (these are required for authentication purposes) or;
• if any life insured is under the age of 16 (or 18 in the province of Quebec) or;
• if the policy is owned by an entity (corporation/trust) and the insured is not the sole signing officer of the entity or;
• if the policy is an Annuity or Segregated Fund or;
• if policies were issued as a result of a policy split or other change to an inforce policy.
• if the client or advisor is outside of a jurisdiction in which the advisor is licensed to sell insurance.

An eDelivery package will be available until the eDelivery Expiry Date shown on the SmartDelivery dashboard. In most cases, this is 45 days from the policy's date of issue.

In most instances, your clients should receive an email directly in their inbox from OneSpan. 

However, due to the settings of internet service providers (ISPs) and email providers, this email may in some cases end up in the Junk Email box. In such circumstances, simply advise your clients to check their Junk Email folder for OneSpan messages. 

The recipient can then recover the email, move it to their inbox, and proceed with the next steps. If this is unsuccessful or you determine you need to correct the client’s email address, you can do this and resend the invitation by selecting the 'Resend' button beside the client’s details from the SmartDelivery record's 'eSign status, document upload, and submission' screen.

SmartDelivery provides the option to return a policy to BMO Insurance and specify the reason for doing so. While viewing a case, select the "REJECT POLICY" button and follow the on-screen prompts to specify why the eDelivery will not be completed.

eDelivery records are viewable on the eDelivery History tab within SmartDelivery for 30 days from completion of eDelivery. The policy and all signed settlement documents can be downloaded when viewing a record there.

Any policy remaining in the SmartDelivery portal without eDelivery being completed by the eDelivery Expiry Date, will be automatically rejected and BMO Insurance will initiate Not Taken processing.

No, SmartDelivery supports the end-to-end policy delivery process and requires that the policy be delivered using the SmartDelivery solution. When a policy is delivered using SmartDelivery, the insured(s) will receive their confidential disclosures as part of the eSign package and have an opportunity to review and verify those before completing the delivery receipt. The advisor will not have access to these confidential documents and, thus, for the delivery to be completed accurately, the SmartDelivery solution must be used.

SmartDelivery also includes the ability to return the settlement documents directly to BMO Insurance from the platform for most efficient processing.

If you or your client prefer not to use SmartDelivery, please use the 'Reject Policy' link at the bottom of the Review eDelivery Package screen and provide us with the details of why eDelivery will not be completed.

Almost, but not quite! To return the settlement documents to BMO Insurance’s New Business team and complete the eDelivery process, return to the policy in SmartDelivery, address any manually completed documents (if applicable) and, once the policy is in a Final Review status, click on the 'Ready to Settle' button. You will receive a confirmation that eDelivery is complete and the settlement documents will be automatically returned to BMO for processing.

The documents for manual signing are any settlement documents other than the Delivery Receipt and Amendment that are not yet supported by BMO's eSign process and must be completed and returned to BMO Insurance to settle the policy.

These documents should be downloaded and completed outside of SmartDelivery. They can be completed and signed using an alternate, reputable eSign solution or wet signed. Once completed, they should be uploaded back to SmartDelivery to be returned to BMO with the other eSigned settlement documents.

To confirm the settlement requirements for a particular policy, refer to the Issue Case Status Report in the 'Review eDelivery Package' tab of the policy record. If further clarification on a requirement is necessary, please reach out to your MGAManaging General Agent administrator, BMO Insurance's New Business department, or your Case Coordinator.

BMO Insurance accepts documents eSigned using reputable solutions (such as Docusign and OneSpan). If the eSigned document includes embedded eSign evidence, no additional documentation is required. If the eSign evidence is not embedded in the document, the separate eSign evidence can be emailed to our New Business department for processing. 

When the SmartDelivery package is returned for settlement, include a note that indicates eSign evidence has been submitted via email.

A combined total up to 20MBM B of documents can be attached and submitted via SmartDelivery. Should you have document(s) that exceed this maximum, please submit to BMO Insurance's New Business department via email to: Insurance.individualnewbusiness@bmo.com.

When the SmartDelivery package is returned for settlement, include a note that indicates manually signed documents have been submitted via email.

Each signing party has seven days to complete the signing process before the signing session expires. If the signing session expires before the eDelivery Expiry Date is reached and the client still wishes to sign, a new eSign invitation can be sent to the client using the SmartDelivery record's 'eSign status, document upload, and submission' screen.

If your client received both the eSignature invitation email and the authentication code via SMSshort message service, but is unable to successfully login, please contact our Digital Support Team (DST) at: 

• 1-855-208-3675 (Monday to Friday, 9:00 AM - 6:00 PM (ET)) or;
• insurance.DST@bmo.com

SmartDelivery uses the same OneSpan solution as SmartApp for electronic signatures. The only differences are: 

• With SmartApp the advisor does not need to eSign. With SmartDelivery the advisor is required to eSign.
• The eSignature Client Guide 981E can be shared with your client to provide them with instructions on the eDelivery eSign process.

Currently, the SmartDelivery eSign process includes standard settlement requirements: the contract delivery receipt and amendment (if one is required).

If additional documents require completion or signature upon delivery, they must be manually downloaded, completed, and uploaded back to SmartDelivery in order to submit them to BMO Insurance for settlement.

The most effective method for avoiding the requirement for manual documentation is to ensure that the application is complete and that all required forms and information are submitted prior to policy issuance.

In future SmartDelivery updates, BMO Insurance plans to incorporate more forms into the integrated eSign process.

The 'Reinitiate Signatures' function should be used when a signing party has rejected the eSign process in error and you'd like to restart the eSign process from the beginning. This will begin the policy review and eSign process from the beginning, and prompt all parties to review and sign the documents again. 

The 'Resend' function should be used when an individual signer has not received the eSign invite or has been locked out of the eSign platform. This is also where the signer’s email and mobile phone information can be updated before resending the invite. Resend will send a new eSign invite to that individual signer, without impacting the other signing parties.

The settlement package contains all the requirements necessary to settle a policy based on the information  BMO Insurance has about the policy at the time of issue. If it's determined that another document needs to be submitted to BMO, forms can be downloaded from the BMO Insurance Advisor website, completed, and emailed to our New Business department.

When the SmartDelivery package is returned for settlement, include a note that indicates which additional documents have been submitted via email.

Unfortunately, no. Currently, SmartDelivery only supports the delivery of the BMO Insurance policy, its related documents, and the eSign of the Delivery Receipt and Amendment (if applicable).

The client has access to the contract, disclosures, and eSigned delivery documents via the OneSpan portal for 30 days from the date the eSign process is completed. It is crucial that the policy owner download a copy of the policy and store it securely for their own records.

If it is less than 30 days from when the settling requirements were returned to BMO Insurance via SmartDelivery, the advisor can download a copy of the policy by accessing the case from the SmartDelivery eDelivery History screen. If it's been more than 30 days and the policy is not yet settled, please contact our New Business department or your Case Coordinator for a digital copy that can be shared with the client. If the policy has already settled, please contact our Client Services Department to have another digital copy of the policy sent to the client.