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Any amount that is allocated to a segregated fund is invested at the risk of the policy owner and may increase or decrease in value. BMO Life Assurance Company. You may email a PDF of the Information Folder/Policy Provisions and Fund Facts or a link to these documents to the client. The documents must be sent to client. BMO GIF products are offered through BMO Life Assurance, a separate legal entity than BMO Global Asset Management and wholly owned by BMO Financial Group.

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All products and services are subject to the terms of each and every applicable agreement. Certain of the products and services offered under the brand name, BMO Global Asset Management are designed specifically for various categories of investors in a number of different countries and regions and may not be available to all investors. Commissions, management fees and expenses if applicable all may be associated with investments in mutual funds. Distribution rates may change without notice up or down depending on market conditions and net asset value NAV fluctuations.