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Registered Retirement Savings Plans are a unique opportunity to help your clients and increase your sales.  BMO GIF now makes it even easier for you to take advantage of this upcoming RRSP season:     

1.   Special limited time offer of exclusive low RRSP loan rate of
      prime^† + 0.25% 

• For clients who need an RRSP loan to maximize their RRSP contribution 
• Specialized lending for borrowing ease and convenience^†† 
• Benefit from RRSP tax advantages  

✓ Affordable loan options   
✓ Exclusive to BMO GIF   
✓ Limited time offer

2.   Now Accepting Faxed Applications – No need to send in originals

• Fax completed and signed applications directly to BMO^® Insurance
• Please keep originals in your client files 
• Available immediately

✓  For administrative ease
✓ Faster policy issue
✓  Ideal with Fundserv

3.   New BMO GIF Guarantee Options:  More choice and flexibility

• 75% maturity guarantee on deposits with
• 75% death guarantee on deposits (GIF 75/75) or 
• 100% death guarantee on deposits with triennial resets (GIF 75/100)^‡

✓ Market leading low fees
✓ Actively managed funds
✓ Highly competitive commissions

Let us show you how BMO GIF can maximize your sales during this upcoming RRSP season.

^† BMO Bank of Montreal Prime Rate is 2.70% as of December 8, 2016 and is subject to change without notice.

^†† Loans are from BMO Bank of Montreal^® and are subject to meeting normal credit granting criteria.  Available for RRSP loans advanced by February 29, 2017. If clients are borrowing money to finance the purchase of segregated funds, this involves greater risk than a purchase using cash resources only. If they borrow money to purchase segregated funds, their responsibility to repay the loan and pay interest as required by its terms remains the same even if the value of the segregated funds purchased has declined. Before recommending that a client borrows to invest in segregated funds, the advisor must consider the client’s risk tolerance, investment knowledge, income, life stage, cash flow and ability to withstand loss.  Advisors have a duty to recommend only products suitable for their clients.

^‡ 100% on deposits made before the Annuitant is age 80 and 75% of deposits made on or after age 80. Automatic resets of the Death Guarantee Amount occur every 3rd policy anniversary up to and including the last policy anniversary before the Annuitant’s 80^th birthday.

Any amount that is allocated to a segregated fund is invested at the risk of the policyowner 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. 

^® Registered trademark of Bank of Montreal, used under license.



MB 443 (2016/12/12)