Deposits to new and existing BMO GIF policies will receive an extra 1% commission^†.

Plus with new BMO GIF features you and your clients will sleep-even-better-at-night and worry-less with:

• Optional triennial resets of the Death Guarantee^§
• Full suite of locked-in savings and retirement income plans + TFSA
• Prestige Class^◊ with lower MERs   
• Up to 100% deposit Maturity* and Death Guarantee**  
• Automatic monthly resets of the Maturity Guarantee^††
• 4 ETF-based fund options with BMO Volatility Control^TM

For more information, contact your BMO representative.

^† This promotion started October 10, 2014 and the scheduled end is extended to March 2, 2015. Deposits (including transfers) must be received by March 2, 2015. This is a temporary increase in the deposit commission rates for the Deferred Sales Charge and No-Load sales charge options. Not available with the Front-End Load sales charge option. There are no changes to trailing commissions. We reserve the right to either withdraw or extend this promotion at any time with one week’s notice. Advisors should recommend only products that are suitable for their clients and provide the most current disclosure of the Fund Facts included in the Information Folder and Policy Provisions dated October 1, 2014.

^‡ Number of years from Deposit Date to Maturity Date. Any amount that is allocated to a segregated fund is invested at the risk of the policy owner and may increase or decrease in value. BMO Life Assurance Company is the sole issuer and guarantor of the BMO GIF individual variable insurance contract. This document provides general information. Please consult the Policy Provisions and Information Folder for details of BMO GIF.  *At Maturity: 100% on deposits made at least 15 years, and 75% on deposits made less than 15 years, from the Maturity Date, less a proportionate amount for withdrawals. **At Death: 100% on deposits made before the Annuitant is age 75 and 75% on deposits made on or after age 75, less a proportionate amount for withdrawals. ^††Automatic monthly resets of the Maturity Guarantee Amount occur up to and including 10 years from the Maturity Date. ^§ If the optional Death Guarantee Reset Option is selected, automatic resets of the Death Guarantee Amount occur on every 3^rd policy anniversary up to and including the last policy anniversary before the Annuitants 75^th birthday.  Additional fee applies.  ^◊ Minimum of $250,000 of eligible assets required. Eligible assets include segregated fund contracts issued by BMO Insurance that are held in your client’s name or members of your client’s family living at the same address. 

®Registered trade-mark of Bank of Montreal, used under licence.

™Trade-mark of BMO Life Assurance Company. 

MB 350 (2015/01/21)