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Professionally managed investments – with a guarantee

If you’re looking for an investment opportunity that’s designed to help you grow and preserve your wealth with a built-in guarantee, you may want to consider segregated funds.



Benefits

BMO Guaranteed Investment Funds offer choice and flexibility that can provide:

Guarantees that protect 100% of your investment

Automatic monthly locking-in of market gains to potentially increase the guaranteed amount you would receive at the “maturity date” or in the event of your death

A range of fund choices available based on your personal need, and designed by one of Canada’s leading investment managers


What are BMO GIFs?

Segregated funds offer an insurance guarantee and are only available from federally regulated Canadian insurance companies such as BMO Insurance. The guarantee ensures that the value of your investments will never be less than a specified percentage when your contract matures (the maturity guarantee). The guarantee also ensures that your beneficiary will receive the greater of the market value of your investments or a guaranteed amount when you pass away (the death guarantee).

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With BMO GIF, you get:

Investments that can help you grow your wealth

Working closely with our portfolio manager, BMO Asset Management Inc., BMO GIFs offer investors broad investment exposure to North American, global and emerging markets, and greater choice in ETF and actively managed portfolio GIFs.

With the help of your advisor you can select the funds that are appropriate for your own financial goals.


Investments that can help you preserve your wealth

With the maturity guarantee on a BMO GIF, you will receive the higher of the market value of your investments or a minimum guaranteed amount. You choose the level of the guarantee that’s right for you (i.e. 75% or 100% of your deposits).

With the death guarantee on a BMO GIF, your beneficiary will receive the higher of the market value of your investments or a guaranteed amount (equal to a percentage of your deposits). You choose the level the guarantee that’s right for you (i.e. 75% or 100% of your deposits).


A simple, quick and cost effective way to transfer assets to your loved ones

Many types of investments must go through probate when they become part of your estate*footnote star.. This process can delay the distribution of your estate and can also be costly. Assets in a BMO GIF can bypass probate, allowing you to quickly and simply transfer these amounts to your designated beneficiary.

*footnote star.Probate fees may not apply in Quebec.

Three guarantee options:
Guarantee Option Maturity Guarantee(% paid upon maturity of your policy)*footnote star. Death Guarantee(% paid upon your death)*footnote star.
BMO GIF 75/75 75% 75%
BMO GIF 75/100 75% 100%
BMO GIF 100/100 100% 100%

*footnote star.For complete details, please speak to your advisor.


Maturity guarantee amount resets (available on GIF 100/100 only)

If the market value of your policy is higher than the maturity guaranteed amount, it will be locked-in automatically every month (up to 10 years before the maturity date) to match the market value – locking-in market gains.


Death guarantee amount resets (available on GIF 75/100 and GIF 100/100†† footnote dagger, dagger )

If the market value of your policy is higher than the death guarantee amount, the guarantee will be locked-in to match the market value – locking-in market gains. Death guarantee amount resets occur automatically every 3rd policy anniversary up until (and including) the last policy anniversary before your 80th birthday.

†† footnote dagger, dagger Resets occur automatically on the last day of each month up to 10 years before the Maturity Date.


Protection from creditors

Your investments in a BMO GIF may also be protected from creditors § footnote section sign .

§footnote section sign Creditor Protection rules depend on legislation and vary by province. It cannot be guaranteed. Your clients should consult a legal advisor for their specific situation.

Depending on your financial objectives and the level of protection you’re looking for, BMO GIF can be a valuable part of your overall financial plan.


Pre-retirement/wealth accumulation

If you’re a 45 to 55 year old pre-retiree who is willing to take on some risk to get lower fees, but want the potential for higher returns over the long term and some downside market protection.

Solution: BMO GIF 75/75

  • Lowest fees
  • More investment fund choice with greater equity content available
  • Invests in BMO ETFs and ETF Portfolios managed by BMO Global Asset Management
  • No less than 75% of investments is paid to your beneficiary in event of death

Professionals/business owners

If you’re an entrepreneur looking for creditor protection and lower fees, while building funds that are fully accessible in case of emergencies or to assist in succession planning.

Solution: BMO GIF 75/75

  • Lowest fees
  • Creditor protection to protect personal assets from business liability§ footnote section sign
  • No less than 75% of investments paid to your beneficiary in event of death
  • More investment fund choice with greater equity content available
  • Invests in BMO ETFs and ETF Portfolios managed by BMO Asset Management
  • Even lower fees if you have at least $250,000 in one or more GIF policies issued in your name

Retirement/estate preservation and wealth transfer

If you’re a retired senior age 65 to 90 looking for higher potential returns while preserving estate values and want to transfer assets to your heirs in a timely, private and cost-effective manner.

Solution: BMO GIF 75/100

  • Low fees help you accumulate wealth sooner
  • Estate protection: Up to 100% of investments paid to beneficiary in event of death** footnote double star.
  • Automatic triennial death guarantee resets to build legacy value†† footnote dagger, dagger
  • No probate, executor or legal/administration fees maximizes wealth transfer
  • More fund choice with greater equity content available
  • Invests in BMO ETFs and ETF Portfolios managed by BMO Asset Management
  • Even lower fees if you have at least $250,000 in one or more GIF policies issued in your name

Pre-retirement/protected wealth accumulation

If you’re 55 to 65 year old and a pre-retiree who is looking for higher potential returns while protecting your investment as you get closer to retirement.

Solution: BMO GIF 100/100

  • Highest level of guarantees: Capital protection: Up to 100% of investments returned in as few as 15 years* footnote star.
  • Estate protection: Up to 100% of investments paid to beneficiary in event of death** footnote double star.
  • Automatic monthly maturity guarantee resets footnote dagger (automatically locks-in market gains)
  • Option for automatic triennial death guarantee resets††‡ footnote dagger, dagger, double dagger.
  • Balanced funds for reduced volatility, designed by BMO Asset Management
  • Even lower fees if you have at least $250,000 in one or more GIF policies issued in your name

* footnote star. 100% on deposits made at least 15 years and 75% on deposits made less than 15 years from the Maturity Date.

** footnote double star. 100% on deposits made before the Annuitant is age 80 and 75% on deposits made on or after age 80.

footnote dagger Automatic monthly resets of the Maturity Guarantee Amount occur up to and including 10 years from the Maturity Date.

†† footnote dagger, dagger Automatic resets of the Death Guarantee Amount occur every 3rd policy anniversary up to and including the last policy anniversary before the Annuitant’s 80th birthday.

footnote double dagger Additional fee applies.


Client materials

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You can purchase this plan by contacting your independent Insurance or Investment Advisor.

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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.