Participating whole life - Equimax Estate Builder^®/ Equimax Wealth Accumulator^®

In an environment where guarantees are increasingly rare, people are looking for the guaranteed death benefit, cash values and premiums that Equimax participating whole life insurance offers.

Check out the evolution of our Equimax participating whole life solution (August 2023) here: www.equitable.ca/wlevolution
See the changes made in our earlier update (February 2023) here: www.equitable.ca/wl

Key features include:

• Dividends have been credited every year since we first launched participating whole life in 1936.¹
• Choice of three guaranteed premium options – payable for 10 years (for Equimax Estate Builder only), 20 years or life.
• Competitive rates and values in both the middle income family and advanced large case markets.
• Retirement and estate planning concepts built right into the Equitable Sales Illustrations® System.
• Advanced insurance planning concepts and support to help you grow your sales in the large case market

Demystifying participating whole life insurance

Learn more about participating policies, how the participating account is managed, factors considered in the dividend calculation, how a client's policy could be impacted by a change in the dividend scale and more. Learn more

Premium deposit fund

A convenient way for clients to prearrange the funding of premiums for Equimax policies. Ideal for clients who:

Have access to sufficient cash to make contributions into the fund.
Want a more flexible solution than alternative methods of paying premiums in advance.
The current Premium deposit fund interest rate for Equimax Wealth Accumulator and Equimax Estate Builder is 0.8%. Find out more

Life policy collateral loans

Equimax policyholders can use the cash surrender value of their life insurance policy as collateral for a tax-free bank loan. Find out more

¹ Dividends are not guaranteed and are paid at the sole discretion of the Board of dirctors. Dividends may be subject to taxation. Dividends will vary based on the actual investment returns in the participating account as well as mortality, expenses, lapse, claims experience, taxes and other experiences of the participating block of policies.

Interested in ordering marketing materials? Complete our Life & Health supply order form

Canada's Anti-Spam Legislation - The digital printer friendly versions of these brochures are not to be altered. PLEASE NOTE that if you choose to distribute the brochure by electronic mail to your clients or prospects, you must comply with Canada's new anti-spam legislation. You could be subject to severe penalties should you not comply. Find out more at fightspam.gc.ca.

This table includes downloadable marketing materials saved in PDF format. Each row is a different product and may contain versions of the brochure in alternate languages.
Form Number	Marketing Material Name	Available Languages	Product
1875	Equimax Wealth Accumulator – The path to maximizing tax-advantaged growth File Let Equitable Life show you the way. For advisor use only.	FR	Participating Whole Life
2043	10 Pay Equimax Estate Builder Enhanced File	FR	Participating Whole Life
1271	5 Reasons for doing business with Equitable File This advisor piece lists the top 5 reasons why Equitable Life should be your first choice.	FR	General Content
1346	A closer look at life insurance File For advisor use only. This chart takes a closer look at life insurance and highlights some of the key differences between Equitable's term, whole life and universal life products. (Available in PDF Format only.)	FR	Participating Whole Life Term Universal Life
1131	A head start, for tomorrow File This client brochure introduces Equimax Par Whole Life for children. Equimax provides affordable permanent insurance at children's rates, plus tax-advantaged growth and cash value that can be accessed	FR	Participating Whole Life
1791	Advanced market insurance solutions File Equitable Life is not your typical financial services company. This booklet highlights some of the reasons why.	FR CH	General Content
1782	Building a stronger investment portfolio with participating whole life File Adding a permanent participating life insurance policy to clients' financial plans can help improve the rate of return and reduce the risk in the investment portfolio.	FR	Participating Whole Life
1782B	Building a stronger investment portfolio with participating whole life (supplemental) File Adding a permanent participating life insurance policy to clients’ financial plans can help improve the rate of return and reduce the risk in the investment portfolio. A closer look at the numbers.	FR	Participating Whole Life
1134	Charitable giving through life insurance File This client piece shows how life insurance is an easy and affordable way to amplify the amount of a charitable gift without impacting their family's inheritance.	FR	General Content Participating Whole Life Universal Life
1291	Choice, flexibility, guarantees (Which plan type is right for you?) File Use this client piece to help you determine the best plan type to help your clients achieve their goals: Equimax Estate Builder or Equimax Wealth Accumulator.	FR	Participating Whole Life
1562	Corporate Preferred Estate Transfer (generic flyer) File Provides a generic overview of the Corporate Preferred Estate Transfer concept without a specific reference to Equimax participating whole life or Equation Generation IV universal life.	FR	Sales Strategies
1570	Corporate Preferred Estate Transfer using Equimax File Are your clients looking for the most tax-efficient way to get the value of their shares out of their company and into the hands of their estate? Choose the Corporate Preferred Estate Transfer.	FR	Sales Strategies
2011	Corporate Preferred Estate Transfer® using whole life File If clients are looking for the most tax-efficient way to get the value of their shares out of their company and into the hands of their estate, consider the Corporate Preferred Estate Transfer using a participating whole life insurance policy.	FR	Participating Whole Life Sales Strategies
2075	Equimax Participating Whole Life Strong and Stable Dividends File	FR CH	Participating Whole Life
2077	Flexibility for supplemental income with Equimax File	FR	Participating Whole Life
N/A	Policy loan QA File	FR	Participating Whole Life
N/A	Dividend Q&A Advisor Educational Series File	FR	Participating Whole Life
1505	Dividend scale interest rate 30-year historical performance File The following chart shows a 30-year history of Equitable Life's dividend scale interest rate compared to other well-known economic indicators.	FR CH	General Content
SS2	Equimax & Term Certain Annuity Package File This sales track shows you how to use a Term Certain Annuity to prearrange funding for an Equimax policy.	FR	Participating Whole Life Term
N/A	Equimax Advisor Product Admin Guide File	FR	Participating Whole Life
1129	Equimax Client Guide File This guide provides clients with the information they need about Equimax participating Whole Life insurance and explains the benefits of Par whole life from a mutual life insurance company.	FR CH	Participating Whole Life
1577	Preferred Estate Transfer - Preferred Retirement Solution File	FR	Participating Whole Life
N/A	Equimax Client Presentation File	FR	Participating Whole Life
2071	Equimax Product Summary File This two page document provides advisors with an overview of the target market, features and benefits specific to this product.	FR	Participating Whole Life
N/A	Intergenerational Wealth Transfer Strategy - Underwriting Considerations File	FR CH	Participating Whole Life Universal Life
1988	Intergenerational Wealth Transfer Strategy Case Study - Transferring wealth to a grandchild File	FR CH	Participating Whole Life
1980	Intergenerational Wealth Transfer Strategy Case Study - Transferring wealth to an adult child File	FR CH	Participating Whole Life Universal Life
1135	Excelerator Deposit Option Highlights File	FR	Participating Whole Life
1893	Forward thinking ... Equimax whole life insurance for children File Smart investing for a child’s future with Equimax. This case study shows how paying a total of $48,000 in premiums over 20 years ($200 monthly) can provide a child with access of up to $288,000 in cash value over 60 years.	FR CH	Participating Whole Life
1025	Individual Life & Health Products At-a-glance File This guide can be used as an easy reference to all of Equitable's Life and Health products currently available for sale.	FR	General Content Critical illness Insurance Participating Whole Life Term Sales Strategies
1874	Levelize the tax on fixed income investments with corporately-owned participating whole life (corporate clients) File This piece illustrates how corporate clients with a large taxable fixed income portfolio can levelize and pay less tax on their fixed income investments using Participating Whole Life insurance.	FR	Participating Whole Life
1153	Preserving a family legacy with Equimax File	FR	Participating Whole Life
1578	Preferred Estate Transfer - Preferred Retirement Solution File	FR	Participating Whole Life Sales Strategies
N/A	Tips for illustrating concepts using WL (Preferred Retirement Solutions using Equimax) File	FR	Participating Whole Life
N/A	Tips for illustrating concepts using WL CORPORATE (Preferred Retirement Solutions using Equimax) File	FR	Participating Whole Life
2008	Transferring wealth to an adult child - case study File This case study demonstrates the intergenerational wealth transfer strategy by looking at the case of an aging adult who wants to leave a long-term financial legacy for future generations by transferring wealth to her adult child.	FR	Participating Whole Life Sales Strategies
1038	Understanding Participating Whole Life File This client guide provides information about Equimax participating whole life insurance, including some key financial facts about the management, performance and strength of Equitable Life's Participating Account, how dividends are calculated and how they impact the policy.	FR CH	Participating Whole Life
N/A	Excelerator deposit option Q&A File	FR	Participating Whole Life
1195	Give the Gift of Insurability File	FR	Participating Whole Life
1798	Harnessing the power of your cash value File When your clients need cash, they may be able to access the cash value of their Equimax policy. This new marketing piece can help you find the option that works best for them.	FR	Participating Whole Life Universal Life
1799	Levelize the tax on your fixed income investments with participating whole life (individual clients) File Are clients paying more tax than they need to on their fixed income investments? Each year, if the value of those investments increases, so does the tax payable. By adding a whole life insurance policy to a client’s financial plans, they could increase their wealth by recapturing some of the money they are currently paying in taxes.	FR	Sales Strategies
1815	Corporate Preferred Retirement Solution (corporate borrowing) Checklist File Review this checklist with your clients to ensure they understand the Corporate Preferred Retirement Solution (corporate borrowing) and how it can impact them and their business.	FR	Sales Strategies
1840	Corporate Preferred Retirement Solution (corporate borrowing) using Equimax File Corporate Preferred Retirement Solution (corporate borrowing) using Equimax whole life insurance.	FR	Participating Whole Life
1563	Corporate Preferred Retirement Solution (shareholder borrowing) (generic flyer) File Provides a generic overview of the Corporate Preferred Retirement Solution concept without a specific reference to Equimax participating whole life or Equation Generation IV universal life.	FR	Participating Whole Life Universal Life
1556	Corporate Preferred Retirement Solution (shareholder borrowing) Checklist File Review this checklist with your clients to ensure they understand the Corporate Preferred Retirement Solution (shareholder borrowing) and how it can impact them and their business.	FR	Participating Whole Life Universal Life
1571	Corporate Preferred Retirement Solution (shareholder borrowing) using Equimax File Corporate Preferred Retirement Solution (shareholder borrowing) using Equimax whole life insurance.	FR	Participating Whole Life
1828	Participating account executive summary File An overview of assets and allocation, and the historical dividend scale interest rate.	FR	Participating Whole Life
1360	Participating Account Quarterly Update File Provides quarterly commentary and updated asset mix for the participating account.	FR	Participating Whole Life
1204	Policy Loan Highlights (Equimax) File	FR	Participating Whole Life
1564	Preferred Estate Transfer (generic flyer) File Provides a generic overview of the Preferred Estate Transfer concept without a specific reference to Equimax participating whole life or Equation Generation IV universal life.	FR	Participating Whole Life Universal Life
1572	Preferred Estate Transfer using Equimax File The Preferred Estate Transfer is one of the most tax-efficient ways for your clients to build and transfer their wealth.	FR	Participating Whole Life
1565	Preferred Retirement Solution (generic flyer) File Provides a generic overview of the Preferred Retirement Solution concept without a specific reference to Equimax participating whole life or Equation Generation IV universal life.	FR	Participating Whole Life Universal Life
1568	Preferred Retirement Solution Checklist File Review this checklist with your clients to ensure they understand the Preferred Retirement Solution and how it can impact them.	FR	Participating Whole Life Universal Life
1573	Preferred Retirement Solution using Equimax File Use the cash value of a permanent life insurance policy as collateral for a tax-free bank loan to supplement retirement income and use money from taxable investments to pay premiums for the policy.	FR	Participating Whole Life
1545	Premium Deposit Fund File	FR	Participating Whole Life
SS4	Preserving a Family Legacy with Equimax File This sales track shows how Equimax can help keep the family cottage in the family.	FR	Participating Whole Life
1735	Protecting that Bundle of Joy File	FR	Critical illness Insurance Participating Whole Life
1989	Wealth Transfer to a Grandchild File	FR CH	Participating Whole Life Universal Life
1981	Wealth Transfer to an Adult File	FR CH	Participating Whole Life Universal Life
1569	Tax and estate planners' guide to corporate life insurance File This guide is a support piece for tax and estate planners who want a high-level review of two unique planning opportunities using corporately-owned life insurance to help meet estate & retirement needs.	FR	Sales Strategies
1130	Wise thinking for your financial plans File This client brochure introduces Equimax Par Whole Life and why it is ideal for your clients financial planning needs.	FR	Participating Whole Life
2046	WL & Annuity - Child's 10 Pay File	FR	Participating Whole Life
0610	WL Annuity & Checklist File	FR	Participating Whole Life
0613	WL Annuity 20 Pay File	FR	Participating Whole Life
0612	WL Annuity Child's 20 Pay File	FR	Participating Whole Life
0614	WL Annuity Create a Legacy File	FR	Participating Whole Life