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IMPORTANT!
Keep a copy of this Questionnaire and review it with your advisor on a regular basis to
ensure that your investment choice continues to be aligned with your goals and
objectives.
The Investor Profile Questionnaire is designed to assist you in identifying the type of investor you are and is not intended to take the place of
professional advice.
The suggested asset allocations contained herein depend on subjective factors such as your risk tolerance and financial situation and are
therefore only general guidelines for your universal life investment portfolio.
Universal life indexed accounts are investment accounts that credit an interest amount mirroring the net rate of return of underlying investments,
less a fee. BMO Insurance policyholders do not purchase units in any index or a legal interest in any security.
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.
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Under 30 [ 6 ]
30 39 [ 5 ]
40 49 [ 4 ]
50 - 59 [ 2 ]
60 and older [ 0 ]
Score
Under $50,000 [ 1 ]
$50,001 - $100,000 [ 2 ]
$100,001 - $150,000 [ 3 ]
$150,001 - $200,000 [ 4 ]
$200,001 - $300,000 [ 5 ]
Over $300,000 [ 6 ]
Score
Score
4. When you retire what additional sources of income do you believe that you will receive?
Choose all that apply:
Score
5. When it comes to understanding your investments, how would you rate your
knowledge?
Score
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5 years or less [ 0 ]
6 - 10 years [ 1 ]
11 - 15 years [ 2 ]
16 - 20 years [ 4 ]
21 - 25 years [ 5 ]
25 years or more [ 6 ]
Score
Score
fluctuating returns. [ 2 ]
Growth & Security I want a balance between growth and safety with some
protection from the impact of inflation. [ 3 ]
Maximum Growth My sole objective is maximum growth over the long term. [ 5 ]
Subtotal: Goals and Objectives
Enter the total points for Questions 6 and 7
0% [ 0 ]
1 - 6% decline [ 2 ]
6 - 11% decline [ 3 ]
11 - 15% decline [ 6 ]
15 - 21% decline [ 8 ]
Score
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Score
10. Which one of the following four hypothetical portfolios would you feel most
comfortable with?
30%
25%
20%
15%
10%
5%
0%
-5%
-10%
-15%
Year 1
Year 2
Portfolio A
Year 3
Portfolio B
Year 4
Portfolio C
Year 5
Portfolio D
Portfolio A
Portfolio B
Portfolio C
Portfolio D
5%
-1%
5%
6%
3%
[2]
14%
-5%
-3%
9%
9%
[3]
21%
-9%
-5%
17%
7%
[6]
27%
-12%
-9%
28%
6%
[8]
Score
11. Given the fluctuations of any investment portfolio, how long would you be willing to
wait for your investments to regain any lost value?
Score
Part 2 score:
Part 3 score:
Total Score:
Add up your total score and turn this page to determine your investment profile and to select an appropriate
investment portfolio for your universal life plan (next page).
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Your investment profile is based on answers regarding your current financial situation,
investment goals and objectives as well as your attitude towards risk. Match your accumulated
total score to determine your profile. Please review the following statements and confirm your
agreement by signing below.
3 - 37 points
Conservative Investor
Your primary objective is preservation of capital;
You cannot tolerate fluctuating returns; and/or
You have a relatively short period of time to allow your
38 - 46 points
47 - 55 points
Growth Investor
56 - 75 points
Balanced Investor
Aggressive Investor
I agree that my investment profile is in line with the one stated above. I would like to select an investment
portfolio that is aligned with this profile for my BMO Insurance policy. I understand the risks associated with
this investment profile and that these risks can have an impact of the value of my universal life insurance
policy. I will notify my advisor of any changes that may impact my investment objectives and resulting
investment profile.
I prefer not to select investment options that fall into the investment profile category stated above for my
BMO Insurance policy and am selecting a different mix of investment options.
Client Signature:
Date:
As your advisor, I confirm that we have worked together to determine your risk profile and the investment
options that are best suited for your universal life investment policy.
Advisor Signature:
Date:
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