GICs provide your clients with guaranteed returns but in today’s low interest rate environment, these rates aren’t the most attractive. Plus, if funds are withdrawn prior to maturity, they could face early redemption fees or withdrawal penalties.

With BMO Guaranteed Investment Funds (GIF), your clients can access their funds at anytime, usually without any penalties.

Plus, BMO GIFs offer as much as 100% participation in the equity markets, providing your clients with the potential for higher returns while offering them guaranteed values at maturity or on death. When markets do well, BMO GIFs can also regularly and automatically lock-in those gains to increase their guaranteed amount at maturity^†. 

Compare for yourself 
Here’s how the growth in a BMO GIF can compares to a traditional GIC: 

BMO Dividend Fund vs. GIC 
BMO Balanced ETF Portfolio vs. GIC 
BMO Growth ETF Portfolio vs. GIC 

 
 

Any amount that is allocated to a segregated fund is invested at the risk of the policyowner and may increase or decrease in value. Any withdrawals will reduce both the Maturity Guarantee Amount and Death Benefit Guarantee Amount proportionately.
BMO Life Assurance Company is the sole issuer and guarantor of the BMO GIF individual variable insurance contract. Please consult the Information Folder (including Policy Provisions & Fund Facts) for details of BMO GIF.
 ^† GIF 100/100: Automatic monthly resets of the Maturity Guarantee Amount occur up to and including 10 years from the Maturity Date. BMO Growth ETF Portfolio GIF is not available in GIF 100/100 Guarantee Option.