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** Great steady performers! ^‡ **

Look to BMO GIF 100/100 for an unbeatable combination of guarantees.  

• Up to 100% deposit Maturity* and Death Guarantee**
• Automatic Maturity Guarantee Resets – monthly!^† 
• Automatic Death Guarantee Resets – every 3^rd policy anniversary ^††
• Prestige Classᵟ offering lower management fees for high net worth clients 

BMO Monthly Income GIF

Wraps one of BMO’s most popular balanced funds, offering a long-term track record of steady returns^‡  and a dependable source of income and capital appreciation.  

Estimated GIF MER: 

• 3.18%  (Class A) 
• 2.78%  (Prestige Class)

BMO ETF Portfolio GIFs

Wrap Conservative and Balanced ETF Portfolios, offering diversified portfolios of ETFs combined in an easy, lower cost, all-in-one solution.

Estimated GIF MER: 

• 2.82%  (Conservative – Class A)                                     
• 2.42%  (Conservative – Prestige Class)
• 2.97%  (Balanced – Class A)
• 2.58%  (Balanced – Prestige Class)

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.

^‡ As of November 30, 2016.  Past returns are not indicative of future performance.  Returns shown are those of the underlying fund and do not account for the MER of the corresponding segregated fund.

^◊ Inception Date:  BMO Monthly Income Fund – March 22, 1999;  BMO Conservative ETF Portfolio and BMO Balanced ETF Portfolio – August 12, 2013.

* 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. ᵟ Available on GIF 100/100 only. To qualify you must hold at least $250,000 in one or more BMO GIF contracts in your name. Please complete Prestige Class Agreement (Form 646E).