The Wave Sales Illustration System
Most current version

The Wave 44 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 v44.0

“Interim” Accelerated Underwriting Guidelines Will Become Permanent

  • BMO Life Assurance Company (BMO Insurance) had temporarily implemented changes to our Accelerated Underwriting program for life products.
  • We are pleased to announce that, effective November 2, 2020, these changes will become permanent and be reflected on the desktop Wave.
  • To summarize, the revised Accelerated Underwriting bands and requirements are as follows:
    • Tele-Interview for issue ages 18 to 50 up to and including $1,000,000 of coverage.
    • Tele-Interview for issue ages 51 to 60 up to and including $300,000 of coverage.

Updates to BMO Insurance Whole Life

  • We have revised the Reduced Paid-Up (RPU) rates for the Wealth Accelerator plan option for all pay types.
  • There are no RPU rate changes for the Estate Protector plan option.

Sales Concept Updates on the Wave

  • We have made minor updates to some sales concepts available on universal life and whole life plans.

We strongly recommend that you download the newest version to ensure the best possible client experience.

Download the NEW Wave 44.0 illustration software IMMEDIATELY!


Get a copy of The Wave v43.0 (previous version).