Product of Morse functions ($F(x,y)=f(x)+g(y)$)

The critical points of $F$ are exactly pairs of critical points of its factors. Its Hessian matrix is their block direct sum, so their Morse indices add and nondegeneracy is preserved. The critical-count polynomial is the product of those of the factors. This construction also gives products of arbitrary smooth functions, with the critical-point count still multiplying even when some Hessians are degenerate.

For a closed connected orientable surface of genus $g$, the Künneth theorem gives the Betti numbers of $S^1\times {\Sigma }_g$ as $(1,2g+1,2g+1,1)$. The weak Morse inequalities give the displayed lower bound. A surface Morse function with one minimum, $2g$ saddles and one maximum exists from its standard handle decomposition. Adding a positive multiple of the cosine Morse function on the circle makes a product of Morse functions, whose critical counts are precisely these four Betti numbers. The lower bound is attained.