BMO Insurance Whole Life credits a Performance Bonus based on investment returns while other factors such as mortality, lapses and expenses are guaranteed in the product pricing at issue. This typically is not the case for traditional participating whole life policies.
What’s guaranteed? | BMO Insurance Whole Life | Typical participating whole life insurance plan | Investment returns | X | X | Mortality experience | ✓ | X | Lapse experience | ✓ | X | Company expenses | ✓ | X |
Plus, with BMO Insurance Whole Life, your clients get:
✓ | A choice of three guaranteed premium pay periods | ✓ | Potential for higher guaranteed death benefit amounts (for the same premium) | ✓ | Guaranteed Performance Bonus formula |
For more detailed information on BMO Insurance Whole Life, visit and bookmark bmoinsurancewholelife.com.
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