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Get Equity Style Returns with a Guarantee!
Universal Life
Guaranteed Market Indexed Account (GMIA)
  • 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

The GMIA is ideal for clients who are looking to maximize the tax-deferred growth in a UL policy with an investment option that gives them equity-style returns with a minimum guarantee! Here’s a new planning idea for you to consider.

Case Study: Martin is a 50 year old single parent and in good health. He ...

  • Needs $500,000 permanent insurance for estate planning purposes
  • Has set aside additional money as an inheritance for his daughter
  • Would like to get better returns than what he’s currently getting on GICs

Option 1: Make deposits into a UL plan with a GMIA
Option 2: Buy a Term 100 Insurance and Invest the difference in a GIC at 4%

Age Annual Deposit OPTION 11 OPTION 2
Total Annual Charges Face AmountTax-Deferred Savings AccountTax Free Estate Value Term 100 PremiumFace AmountAfter-Tax Investment Portfolio After-Tax Estate Value
51 25,000 5,789 500,000 19,740 519,740 5,471 500,000 19,982 519,982
52 25,000 5,789 500,000 40,566 540,566 5,471 500,000 40,428 540,428
53 25,000 5,789 500,000 62,537 562,537 5,471 500,000 61,348 561,348
54 25,000 5,789 500,000 85,717 585,717 5,471 500,000 82,754 582,754
55 25,000 5,789 500,000 110,171 610,171 5,471 500,000 104,656 604,656
60 5,471 5,789 500,000 141,471 641,471 5,471 500,000 117,374 617,374
65 5,471 5,789 500,000 182,379 682,379 5,471 500,000 131,637 631,637
75 5,471 5,789 500,000 305,721 805,721 5,471 500,000 165,573 665,573
85 5,471 5,789 500,000 516,406 1,016,406 5,471 500,000 208,257 708,257
100 5,471 5,789 500,000 1,142,753 1,642,753 5,471 500,000 293,773 793,773

The Results: The GMIA on Life Dimensions projects better values than purchasing an inexpensive T100 Insurance and investing the difference. It provides the growth potential that he's looking for, with no downside risk.

Learn More

For more information on our current and future GMIA series, please make sure that you visit bmoinvestpro.ca for details and install our Wave 22 software. If you still have not yet received your CD, please contact your MGA for a copy or you may download it by logging into bmoinsurance.com/advisor.

1 Universal life policy: Life Dimensions (Low Fees) issued on a single life for a MNS50, Level COI, Level + Fund death benefit and a 5.50% rate of return in a GMIA. Marginal tax rate: 42%

MB 212 (2011/08/17)

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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BMO Life Assurance Company | 60 Yonge Street | Toronto | ON | M5E 1H5 | Canada