It’s simple

• BMO Insurance uses a simple formula to calculate the Performance Bonus for each policy:  we multiply the Guaranteed Cash Value for that policy year by the Performance Bonus Rate that we declare for that policy year.

Performance Bonus =
Performance Bonus Rate times Guaranteed Cash Value

It’s clear

• The Performance Bonus is based, in part, on the Guaranteed Cash Value which is contractually guaranteed in the policy.
• BMO Insurance declares the Performance Bonus Rate annually, in advance, and is effective May 1^st of that year.
• The Performance Bonus Rate, which BMO Insurance guarantees will never be negative, will be at least 5.50% until April 30, 2020.

2018 Performance Bonus Rate = 5.75%*

It’s backed by expertise

• The strategy behind the plan combines the expertise of BMO Insurance together with BMO Asset Management and BMO Capital Markets. Together, these companies are members of BMO Financial Group, one of the largest diversified financial services providers in North America.

For more information, watch this 2 minute video which can be found on our Resource Centre Video Library at bmoinsurance.com/advisor.

For more information, contact one of our Business Development Managers.

*Effective on policies with anniversaries between May 1, 2018 and April 30, 2019.

MB 534 (2018/08/15)