0. Life Dimensions
A market leading universal life plan for various estate and wealth accumulation needs.

1. Universal Life from BMO® Insurance
Flexible permanent insurance coverage that combines life insurance protection and a tax-deferred investment vehicle
Several protection options for different needs: Life Dimensions
Life Dimensions (Low Fees)
Life DimensionsPRESTIGE
Life DimensionsPRESTIGE (Low Fees)

2. The Life Dimensions Family of Plans
Feature-rich universal life plan
Guaranteed cost of insurance rates
Guaranteed minimum GIA rates
Guaranteed Investment and Cumulative Fund bonuses
Hundreds of investment options
Life Dimensions (Low Fees)
Lower UL management fees
Higher guaranteed minimum GIA rates
No guaranteed Investment Bonus

3. The Life Dimensions Family of Plans
Life DimensionsPRESTIGE
Greater liquidity
No surrender charges
Also includes a Low Fees option

4. Target Market:
Ideal financial planning tool for clients looking for comprehensive permanent coverage with a tax effective savings account
Plan flexibility allows adaptation to a variety of personal and business needs – from estate creation/preservation and additional retirement income funding to funding buy/sell agreements

5. Cost of Insurance (COI)
Yearly Renewable Term (YRT)
Yearly increasing insurance rates to age 100
YRT 85/20
YRT rates to the later of age 85 or 20 years
Level
Level rates to age 100
COI is a monthly deduction from the fund value for the purchase of insurance protection
COI rate is determined by age (age nearest birthday), sex, smoking status and other underwriting considerations
COI charges stop at age 100

6. Target Market: YRT Target Market Level Target Market
Over-funded or maximum funded plans
Accumulation or affluent market
Level Target Market
Quick Pay plan or lower funding levels
Estate preservation needs

7. Issue Ages: Age Nearest Birthday
Life Dimensions
Level COI : Ages 18-80
YRT COI : Ages 0-80
YRT 85/20 COI : Ages 18-80
Joint life : Equivalent Single Ages 20-80
Life DimensionsPRESTIGE
All COI options: Ages18-80

8. Face Amount Bands for all COI options:

9. Administration Fee
Deducted each month
Guaranteed at $12/month to age 100

10. YRT Cost of Insurance
Rates are guaranteed for life
Increase based on attained age of insured
Used for all ages under 18
Can be switched to level COI as long as insured is between ages 18-80

11. YRT 85/20 Cost of Insurance
Rates are guaranteed for life
Ages 18-80
Premiums payable to later of insurance age 85 or 20 years
When cost of insurance charges end, administration fee is paid until age 100
Can be switched to Guaranteed Level COI

12. Level Cost of Insurance
Rates are guaranteed to stay level to age 100
Rates do not increase as client ages

13. Switching from YRT or YRT 85/20 COI to Level COI
After insurance age 18 and prior to insurance age 80
Switch to Guaranteed Level Rates
Attained age
No underwriting

14. Example: YRT Switch at age 45
Accumulation

15. Joint First-to-Die (up to 3 lives):
Coverage Types
Single Life:
– covers one life
Joint First-to-Die (up to 3 lives):
– death benefit paid at first death
Joint Last-to-Die (up to 3 lives):
– death benefit at last death

16. Multiple Coverage Flexibility
Allows multiple coverages under one policy
Choose either Single Life or Joint-Life coverage type
Death benefit amounts can vary
Death benefit option must be the same for all coverages

17. Sum Insured Death Benefit Option
Death benefit equals the greater of the Face Amount or the Fund Value
Death Benefit
Insurance Coverage
Fund Value

18. Face + Fund Death Benefit Option
Death benefit equals the Face Amount plus the Fund Value
Fund Value
Insurance Coverage
Death Benefit

19. InvestorMaximizer MaximizerSelect Maximizer features
Two features designed to provide your clients with the maximum cash value possible within a universal life plan by reducing the insurance coverage and minimizing insurance charges
InvestorMaximizer
MaximizerSelect

20. Maximizer features
Adjusts Sum Insured to the minimum needed to maintain tax-exempt status
Sum Insured may increase or decrease after the Maximizer Start Date (no earlier than 5 years)
Sum Insured will not reduce below the selected minimum
MaximizerSelect calculates a lower face amount – ideal for large deposits over a shorter period

21. InvestorMaximizer or MaximizerSelect Which option should you choose?
Maximizer features
InvestorMaximizer or MaximizerSelect Which option should you choose?

22. Investment Accounts Daily Interest Account
5 and 10-year Guaranteed Interest Accounts
Indexed Accounts
Market Indexed Accounts
Managed Indexed Accounts
Managed Portfolio Indexed Accounts
Money Manager Indexed Accounts
Custom Portfolio Indexed Accounts
Visit InvestmentPRO at for more information on the available Indexed Investment Accounts
Indexed investment options credit interest mirroring the net rate of return of the designated fund, less a daily UL management fee.

23. Fixed Income Daily Interest Account (DIA)
Term Rate Minimum
Guarantee
Daily Interest Account (DIA)
Life Dimensions 90 Day T-bill 90%, less 2.2% 0%
Life Dimensions (Low Fees) 90 Day T-bill 90%, less 2.0% 0%
Guaranteed Interest Accounts (GIA)
Life Dimensions 5 Year 90% GoC rate, less 1.25% 0.25%
10 Year 90% GoC rate, less 1.25% 1.00%
Life Dimensions (Low Fees) 5 Year 90% GoC rate, less 0.75% 0.75%
10 Year 90% GoC rate, less 0.75% 1.50%
Minimum guaranteed rates for GIA accounts are not applicable to amounts held in GIA Accounts in the Side Account.

24. Universal Life Fees on Indexed Accounts
Life Dimensions
(Low Fees)
Market Indexed Accounts
3.00% to 3.25%
1.75% to 2.25%
Managed Indexed Accounts
2.00% to 2.50%
0.00% to 1.25%
Managed Portfolio Indexed Accounts
Custom Portfolio Indexed Accounts
2.75%
1.50%
Universal Life Management Fees are contractually guaranteed, and include Investment Income Tax (IIT).
Universal Life Fees on Money Manager Indexed Accounts are not guaranteed and may vary.

25. Investment Account Transfers
You can Transfer or switch part or all of your Account Value to any other investment accounts with written notice.
The first 3 transfers in each policy year are free, each additional Transfer will be charged $30.
The minimum transfer amount is $500.

26. Guaranteed Investment Bonuses
Life Dimensions and
Life DimensionsPRESTIGE
Life Dimensions (Low Fees) and Life DimensionsPRESTIGE (Low Fees)
All Indexed Accounts
Year 6+
1.5%
None
Guaranteed Interest Accounts
Year 1+
0.5%
Daily Interest Account
Lesser of 1% or (15% of earned rate) x (average account value during the policy year)
Fund Accelerator Bonus
supercharges cash values from day one by adding a additional 1% bonus in years 1-5
Life Dimensions and Life Dimensions (Low Fees)
All Guaranteed Interest and Indexed Accounts
Year 1-5
1.0%
Guaranteed Investment Bonus

27. Cumulative Fund Bonus Cumulative Fund Bonus Funding Requirements
For applications received after January 6, 2012, Cumulative Fund Bonus has been improved. A bonus is payable starting no earlier than the end of the fifth Policy Year, provided funding requirements are met.
Funding Requirements
A Cumulative Fund Bonus is calculated:
in the first month during or after the 5th Policy Year, in which the total of all Indexed Accounts plus all Guaranteed Interest Accounts at a Policy Monthly Anniversary is greater than or equal to both:
$25,000; and
200% of the cumulative Total Annual Minimum Premium at the end of that Policy Year
and, thereafter:
in any month in which the total of all Indexed Accounts plus all Guaranteed Interest Accounts at any Policy Monthly Anniversary is equal to or greater than $25,000.
Calculation and Crediting
The bonus is credited at the end of the policy year.
The bonus will be an annual rate of 0.25% for fund values* of $25,000 to $99,999 and 0.50% for fund values* of $100,000+.
*Fund Value refers to the total of all Indexed Accounts plus all Guaranteed Interest Accounts on the Policy Monthly Anniversary.
Eligible Plans
Life Dimensions and Life DimensionsPRESTIGE
Life Dimensions (Low Fees) and Life DimensionsPRESTIGE (Low Fees)

28. Benefits & Riders Term 10, Term 20 and Term 30 100,000 10,000,000
Min $ Max $
Term 10, Term 20 and Term , ,000,000
Additional Life T10/20/ , ,000,000
T100 Rider , ,000,000
Annually Renewable Term (ART) 50, ,000,000
Accidental Death Benefit , ,000
Children’s Term , ,000
Disability Waiver of Premium *(Min./Planned/Specified)
Payor Waiver of Premium *(Min./Planned/Specified)
JLTD Conversion Option N/A N/A
Business Guaranteed Insurability 100, ,333,334
* Min = Minimum premium for base plan only
* Planned = Minimum premium for base plan and all riders
* Specified = any amount greater than min. prem. for base plan

29. C.I. Riders* C.I. – Living Benefit 10 25,000 2,000,000
Min $ Max $
C.I. – Living Benefit 10 25,000 2,000,000
10 year term coverage
C.I. – Living Benefit 20 25,000 2,000,000
20 year term coverage
C.I. – Living Benefit 75 25,000 2,000,000
Level to age 75
C.I. – Living Benefit ,000 2,000,000
Level to age 10
* Available on Insured Life and Additional Life

30. Other Important Features
Special Death Benefit Rider can be elected at issue to be paid on first death on Joint Last plans
Total policy Fund Value paid out on first death on Sum Insured + Multi Fund Value death benefit options
Disability Benefit Payout for total disability and/or critical illness situations
Guaranteed and Cumulative Fund bonuses

31. Target Market: Life DimensionsPRESTIGE
For the high net worth individual (or business owner) who wants to maximize the value of his/her policy through a third party loan
For the serious investor who doesn’t want to look at a UL plan with high back-end loads.
For your clients who must have access to their cash in the event of an emergency

32. Life DimensionsPRESTIGE
No Surrender Charges
Includes a Low Fees option
Different compensation structure from Life Dimensions, so refer to Schedule of Commissions (form 425) for details on Life DimensionsPRESTIGE compensation.

33. Impact of no surrender charges
WITHOUT Surrender Charges
WITH Surrender Charges
Life DimensionsPRESTIGE
OR Life DimensionsPRESTIGE (Low Fees)
Life Dimensions
OR Life Dimensions (Low Fees)
Maximum premium will be lower than a plan with surrender charges- which may mean applying for a higher initial Face Amount to tax-shelter the same deposit stream
Level COI rates are the same as Life Dimensions
YRT rates are “Level” for the first three years then YRT
Early termination of the plan results in surrender charges that limit the amount of Cash Value of the policy
Access to the full Fund Value may not be possible in the early years when a policy’s Cash Value is used as collateral for a third party loan

34. Life DimensionsPRESTIGE : Cost of Insurance Options
Life DimensionsPrestige and
Life DimensionsPrestige (Low Fees)
YRT
allow YRT to Level Switch
Level

35. Marketing Support
A complete library of marketing support materials is available on the Wave software
and on our website, at

36. This presentation is prepared as a general source of information and is not intended to provide legal, financial, accounting or tax advice, and should not be relied upon in that regard. If legal, financial or tax advice or other professional assistance is needed, the services of a competent professional should be obtained.
Any information contained in this presentation does not constitute advice, an offer to sell/purchase, or as an invitation or solicitation to do so for any entity. The content of this presentation is based on sources believed to be reliable, but its’ accuracy cannot be guaranteed. No one should act upon these examples or information without a thorough examination of the tax and legal situation with their own professional advisors, after the facts of the specific case are considered.
Information contained in this document is for illustrative purposes and is subject to change without notice. Refer to an up-to-date policy illustration for this plan for a current statement of benefits.
Insurer: BMO Life Assurance Company.
® Registered trade-mark of Bank of Montreal, used under licence.