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Now, if markets are ever negative, you can keep your clients positive.
Universal Life

Guaranteed Market Indexed Accounts for UL: available exclusively from BMO® Insurance

  • Exposure to equity market performance, with the security of a GIC!
  • Net rates of return are guaranteed never to be negative
  • Interest that’s calculated and credited EVERY YEAR over the Investment Term
  • $5,000 minimum lump sum deposit on all new Life Dimensions policies (issued under version 2010/11/18)
  • Flexibility to switch to a Fixed Interest Rate Option or other available GMIAs on Interest Crediting Dates without any penalty

Learn More

Illustrate and compare!

Using the GMIA illustrator on bmoinvestpro.ca, you can illustrate and compare the growth of $10,000 invested in the new Canadian Equity GMIA to a traditional Market Indexed Account over a 5, 10, 15 or 20 year period, using the historical calendar year end values of the S&P/TSX 60 Index. …and further, you can compare the growth to an alternative account earning a flat 3% rate of return (such as a GIA). Here’s an example with the results:

Annualized Rates of Return
2006-20102001-20101996-20101991-2010
GMIA Canadian Equity
6.20% 6.00% 6.82% 6.28%
S&P/TSX 60 Market Indexed Account
3.84% 3.64% 7.39% 7.17%
Alternative (GIA )
3.00% 3.00% 3.00% 3.00%

The GMIA offers equity-style returns with the security of a GIC… in one UL!

To find out more about GMIAs, please contact the BMO Insurance regional sales office in your area.

GMIA Values are based on the GMIA Credited Rates using the historical performance of the underlying Reference Market Index by calendar year assuming the fund was available for that period. The historical performance of securities in the Reference Market Index does not indicate the future performance of those securities.

Market Indexed Account Values are based on the historical performance of the underlying Total Return Index less 1.75% by calendar year. The historical performance of securities in the Total Return Index does not indicate the future performance of those securities.

Alternative Interest Rate is merely for comparison purposes and is not reflective of particular investment account or securities.

The accumulation does not reflect any insurance charges (such as cost of insurance, premium tax or other deductions), which will impact the actual accumulation of any funds in a GMIA when included in a universal life policy.

MB 204 (2011/05/26)

To find out more about BMO Insurance products, please call your MGA or contact the BMO Insurance regional sales office in your area or visit www.bmoinsurance.com/advisor.

Ontario Region
1-800-608-7303
Quebec - Atlantic Region
1-866-217-0514
Western Region
1-877-877-1272

Information contained in this document is for illustrative purposes and is subject to change without notice.

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