| Our               Living Benefit 75 rates are outstanding and 100% fully               guaranteed.  See how               we compare: 
 Plus, value-added features ….   26 covered                    conditions including Loss of Independent ExistenceAvailable as a                    rider on all our UL plans with no additional policy fee …                    Bundle up and SAVE!   Best Doctors                    coverage included for the life insured, their immediate and                    extended family members2Helping Hands                    assistance included from Shepell•fgiMulti-policy fee                    discount available for family and business relationships
 
 1 ROPS rider               available at 50% of the eligible premiums starting in the 10th               year or age 50 (whichever is later) and then increasing uniformly               to 100% at age 75.  2 Extended family               members include parents and siblings of both the insured and the               insured’s spouse. Best Doctors services are limited to once every               three years for immediate and extended family members.  ®Best Doctors is a               registered trademark of Best Doctors, Inc., used under license.  ™Shepell·fgi is a trademark of HRCO Inc., a               corporation incorporated under the laws of the province of               Ontario.   Companies surveyed: BMO Insurance, Canada Life,               Empire Life, Equitable Life, Foresters Life, Industrial Alliance,               Manulife, SSQ Insurance and Sun Life.  Ranking based on the               lowest annual premium.  Loss of Independence included in the               calculations.  Source: Illustration Software.  The comparison was performed based on information               believed to be reliable and in effect as of January 29, 2015. BMO               Life Assurance Company is not liable for any errors or omissions               in the information derived from third party sources.  MB 371 (2015/06/04)  |