GMIA Update
Universal Life

As a result of highly volatile market conditions which impact GMIA structuring costs, it is necessary at the present time to make a significant participating rate formula adjustment to the Guaranteed Market Indexed Account (GMIA) for the new October 1, 2011 Series.

This is a temporary adjustment, and BMO Insurance will make every effort to improve the formula for future Series as market stability returns.

Current market conditions are a good example why the GMIA is right for the times. It offers your clients the opportunity to participate in future equity market performance with the security of a GIC. The annual adjustment of interest crediting rate factors for every GMIA Series offers potential for improved participating rates at each anniversary, depending on prevailing market conditions.

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MB 214 (2011/09/08)

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

Ontario Region
Quebec - Atlantic Region
Western Region

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

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