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We have eliminated the application for GIF 100/100 Prestige Classᵟ.  Less work … less worry.  There are no delays.  Now, GIF 100/100 Class A funds will automatically be switched^‡  into the corresponding Prestige Class funds when one of two things happen:

• New Deposits increase a client’s GIF holdings to $250,000 or more
• Increases in Market Value - an automatic month-end check confirms a client’s GIF holdings of $250,000 or more

No more applications, information gathering or delays!

Look to BMO GIF 100/100 for an unbeatable combination of guarantees.  It’s automatic!  

• Up to 100% deposit Maturity* and Death Guarantee**
• Automatic Maturity Guarantee Resets – monthly!^† 
• Automatic Death Guarantee Resets – every 3^rd policy anniversary^††
• Automatic Prestige Class switches for qualifying clients

Now with 3 new fund options:

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.

ᵟ Available on GIF 100/100 only. To qualify clients must hold at least $250,000 in one or more BMO GIF contracts issued in their name.  ^‡  A switch from a Class A fund to the corresponding Prestige Class fund is not a taxable disposition and has no impact on guaranteed values.  * 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 of withdrawals.  ** At Death:  100% on deposits made before the Annuitant is age 80 and 75% of deposits made on or after age 80, 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 Annuitant’s 80^th birthday. Additional fee applies.