Most current version

The Wave 59 is the most current version.

You can download the installation file first. Then double-click the file to install; or run the installation file directly without saving it.

If any of the product illustration modules in The WAVE program are currently open, please save the installation file first; then shut down the WAVE program and double click the saved file to install.

What’s new for WAVE v59
Effective July 27, 2026 we are introducing the following:
Updates to the Business Guaranteed Insurability Option (BGIO)

• The rider will be available on all corporately owned single life and joint life products: Term, Universal Life, Term 100, and Whole Life. This update expands availability to Whole Life and to all joint plans
• The number of Option Dates will increase from three to four over the duration of the rider
• There are no other material changes to the rider, and premiums remain unchanged

Universal Life illustration updates

• The UL supplementary section has been removed from our UL illustration

Other software updates

• Updates to the Insured Corporate Financing (ICF) concept to improve usability
• New BMO Insurance branding applied across the illustration
• Other ongoing maintenance updates

Please download the NEW Wave 59 illustration software.