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1. Individual Insurance
2. [pdf] Pivotal Select Fund Facts
3. [pdf] Equitable GIF Fund Facts
4. Product at a glance
5. Giuliano Savini, Top 50 Best Wealth Management Wholesalers in Canada for 2023 award recipient

   
   Meet Giuliano Savini, Regional Investment Sales Manager for the Greater Toronto Area, who was recently recognized as one of the Top 50 Best Wealth Management Wholesalers in Canada for 2023 by Wealth Professional Canada. We congratulate Giuliano on this prestigious industry award, which acknowledges his invaluable expertise and contribution to the field of wealth management wholesaling.
   
   When asked what inspired him to pursue a career in this field, Giuliano credits a call from a trusted friend, Joseph Trozzo, who recommended Equitable as an excellent place to work. He joined the company four years ago and has not looked back. For Giuliano, the motivation lies in the meaningful work he does through his advisors and territory, finding the best solutions for their needs.
   
   His greatest achievement at Equitable, according to Giuliano, is the recognition as one of the Top 50 Wealth Wholesalers in Canada. What makes this accomplishment even more special is that the award is advisor-nominated, which means his advisors recognized the impact of his work in helping them succeed.
   
   Looking at his career overall, Giuliano takes pride in the relationships he has built with his advisors and territory over the years. He is proud to be recognized as a subject-matter expert and a business builder, always aiming to be a partner in his advisors' success.
   
   When asked for advice for those starting out in the industry, Giuliano emphasizes the importance of focusing on the success of their advisors. He advises them to use their advisors' success to drive sales and always keep them at the forefront of their business.
   
   Looking ahead, Giuliano sees the industry evolving into a more consultative and partnership-oriented approach. He believes that wholesalers will need to expand their knowledge base beyond competitive product information and into areas like marketing, investor psychology, and practice management to maintain a competitive edge in the industry.
   
   To read more about Giuliano and the other Top 50 Wealth Management Wholesalers in Canada, visit Wealth Professional Canada's website.

   
   Posted : April 12, 2023
6. With the Equitable Life FHSA, you don’t have to wait to get clients’ money working for them The Equitable™ First Home Savings Account is off and running! Thanks to your amazing support, many clients have already taken advantage of the great benefits the FHSA has to offer. Let’s keep the momentum going.
   
   Clients don’t need to wait to start making their dream of home ownership a reality!
   
   With the Equitable FHSA they can put their money to work right away.  Available on Pivotal Select™ Investment Class (75/75) and Pivotal Select Estate Class (75/100), the Equitable FHSA offers clients an array of investment products to suit their individual needs and risk tolerance.
   
   Don’t wait. Get clients started today!
   
   And, clients who open a FHSA before December 31, 2023, have a chance to win $8,000 towards their 2024 FHSA contribution. And, the advisor wins $2,000!   
   
   To open a FHSA for clients, log into EZcomplete®, our highly rated online application tool. It is easy to use, convenient, and fast.  
   
   For more information on FHSA, including a FAQ, and client materials, visit EquiNet® or contact your Regional Investment Sales Manager.  
   
   ® and ™ denotes a trademark of The Equitable Life Insurance Company of Canada. 
   
   Equitable FHSA Contest: No purchase necessary. Contest period September 11 to December 31, 2023. Enter by making a deposit to an Equitable FHSA during the contest period or by submitting a no-purchase entry. One prize for a total value of $8,000 CAD to be drawn on January 16, 2024, will be awarded. The servicing advisor for the policy to which the selected entrant made the deposit is also an eligible winner will receive a $2,000 CAD prize. For example, if an Equitable client is a winner of the $8,000 prize, the client’s servicing advisor wins a $2,000 prize. Open to legal residents of Canada of the age of majority. Odds of winning depend on number of eligible Entries received during the Contest Period. For full contest rules, including no-purchase method of entry, see full contest rules.
   
   Posted November 7, 2023
7. Step Up Your Wealth is Back—and It’s All About You!

   
   Equitable^® is excited to bring back our Step Up Your Wealth Sales campaign for 2026! This is your opportunity to grow your business, deepen client relationships and earn rewards for doing what you do best—helping Canadians achieve financial confidence.
   
   As an advisor, you know the value of a strong partner. At Equitable, we combine the strength of a mutual company with a full suite of competitive wealth solutions designed to help support every stage of a clients’ financial journey.
   
   
   
   
   Your Advantage Starts Here
   
   Expand Your Offering: Access a comprehensive range of products to meet diverse client needs—from accumulation to retirement income.
   Build Stronger Relationships: Position yourself as a trusted advisor with solutions backed by Equitable’s proven track record.
   Earn More: Receive a Growth Bonus* as our way of recognizing your commitment and success.
   
   This campaign is designed to help you grow your book of business while delivering exceptional value to clients. Together, we can make 2026 your most successful year yet because when we grow together, success is mutual.
   
   Ready to Step Up? Visit our website or connect with your Director, Investment Sales today for full details.

   
   
   *The bonus amount will be calculated on December 31, 2026 based on net deposits to Equitable Individual Wealth products for 2026. The bonus will be paid within 90 days following December 31, 2026. Maximum bonus payable is $100,000 for re-qualifying Elite Advisors; $75,000 otherwise. Re-qualifying Elite Advisors are advisors who attained Elite status at the end of 2025 and maintain Elite status at the end of 2026. To attain Elite advisor status, an advisor must have $1,250,000 in gross deposits in at least five Equitable policies in 2026 or $10,000,000 in assets with Equitable’s Individual Wealth at the end of 2026. For re-qualifying Elite Advisors that reach $10,000,000 or more in net deposits in both 2025 and 2026, the maximum payment is $200,000. Equitable reserves the right to end or after the Step Up Your Wealth Sales campaign or the Elite Advisor Program at any time and without notice.
8. Win with clients this winter – Equitable’s Snowball Your Savings contest This winter, clients’ savings could do more than grow—they could win. From January 1 to March 2, 2026, when clients set up or contribute to a Registered Retirement Savings Plan (RRSP) or Tax-Free Savings Account (TFSA), they will be automatically entered into Equitable’s Snowball Your Savings contest. Here’s the exciting part: two client winners will be randomly selected to receive a prize—just for saving.
   
   Key Dates:
   Contribution Period: January 1 – March 2, 2026
   Draw Date: March 23, 2026
   
   How to Enter
   Getting started is easy—and every eligible contribution is a chance to win!
   Step 1: Connect with your clients
   Step 2: Help your clients set up or contribute to a RRSP or TFSA that is aligned with their financial needs and goals
   Step 3: That’s it! Clients’ entry is automatic—no forms, no hassle!
   
   Whether clients are topping up their TFSA or making a RRSP contribution ahead of tax season, their smart saving could lead to something extra this winter.
   
   
   Equitable offers trusted, personalized investment solutions and, as a mutual, we provide financial strength and a commitment to helping Canadians grow and protect their wealth.
   
   Visit equitable.ca/snowball for full details
   
   
   ® or ™ denotes trademarks of The Equitable Life Insurance Company of Canada.
   Equitable’s Snowball Your Savings contest: No purchase necessary. Contest period January 1, 2026 to March 2, 2026.  Enter by making a deposit to an Equitable Tax-Free Savings Account or Registered Retirement Savings Plan during the contest period or by submitting a no-purchase entry. Two prizes for a total value of $10,000 CAD to be drawn on March 23, 2026, will be awarded. The servicing advisor for the contract to which the selected entrant made the deposit is also an eligible winner and will receive a $1,000 CAD prize. For example, if an Equitable client is a winner of the $5,000 prize, the client’s servicing advisor wins a $1,000 prize. Open to legal residents of Canada of the age of majority. Odds of winning depend on number of eligible Entries received during the Contest Period.  For full contest rules, including no-purchase method of entry, see the full contest rules.
9. Universal life (UL) enhanced – more options to reach more clients

   Great News!

   Explore the latest enhancements to Equitable Generations™ UL insurance, offering clients greater flexibility to meet their needs.
   
   What’s new for Equitable Generations UL:
   • Level cost of insurance (COI) option.* Available for new sales to offer even more choice for clients. Here is how these rates compare to Equation Generation IV Level COI:
         • Non-smoker rates have decreased on average by 4% across all ages and bands (Smoker rates have increased on average by 1%).
   • New rate bands. $1M and $5M for Level COI**, making our UL solution more attractive to a wide range of clients. * For Level COI, only Account Value Protector is offered as a death benefit option.
   **The rate bands for Level COI are $25,000, $100,000, $250,000, $500,000, $1 million and $5 million. The rate bands for YRT remain $25,000, $50,000, $100,000, $250,000 and $500,000.
   
   These enhancements offer a more competitive solution to grow your UL business. See for yourself – run a quote today!
   
   Equation Generation^® IV UL is retired. Equation Generation IV is no longer being offered for new sales effective March 21, 2026.
   We now have the essential UL features in one powerful solution, Equitable Generations UL.
   
   

   Video available French and Chinese.
   
   Please refer to the Transition Rules for all the details on processing your applications. 
   
   Visit our splash page for full product details

   
   More reasons to choose Equitable^® for your UL business
   • Wide range of investment choices through some of Canada’s most prominent fund managers (including sustainable investment options).
   • We are the only UL carrier to offer target-date investment options.
   • Guaranteed Investment Bonus.  An annual rate of 0.75% is added to the policy’s account value starting in year 1.
   • No policy administration fees. No Linked Interest Option (LIO) administration fees (except for LIOs that track indices).
   • Caring claim support through our KIND^TM program.   
   
   Need more information? Please contact your Equitable wholesaler.
   
   
   
   
   
   03/23/26

10. Supporting clients and plan members affected by wildfires in Canada

    We will share this information with your clients. 
    
    Wildfires across the country are disrupting the lives of many Canadians. To help ease the strain, we’re providing additional support to help affected clients and plan members.

     

    Prescription refills

    
    Our pharmacy benefits manager, TELUS Health, allows early refill of medications lost due to natural disasters – such as wildfires – for up to one month after the event occurs. When a plan member visits the pharmacy, they should let their pharmacist know they’ve lost their medication as a result of the wildfires to be eligible for an early refill through their Equitable group plan.
     

    Replacement of medical or dental equipment and appliances

    
    Plan members who need to replace eligible medical or dental equipment or appliances due to the wildfires should call us at 1-800-265-4556 to confirm their coverage and get instructions before submitting a claim.

    
    Disability or other benefit cheques

    
    Plan members receiving disability benefits or other benefit reimbursements via cheque can easily switch to direct deposit for faster payment. Direct deposit sign-up instructions are posted on our website. It just takes a few minutes, and plan members can call us at 1-800-265-4556 if they need help.
     
    We also encourage plan members to call us if they need to arrange a different mailing address or receive a replacement cheque.

    
    Mental health support

    
    Unpredictable, large-scale natural disasters can cause people to experience intense reactions, putting a lot of pressure on their mental health. Having coping mechanisms to deal with the current crisis can be a huge help. Any Equitable plan member who needs mental health support can visit homeweb.ca/equitable to access online resources.
     
    If a plan sponsor has purchased Homewood Health’s employee and family Assistance program (EFAP), their plan members also have access to confidential counselling services. The EFAP provides plan members with 24/7 access to confidential counselling through a national network of mental health professionals. They can contact Homewood Health at 1-888-707-2115. Whether it’s face-to-face, by phone, email, chat or video, plan members will receive appropriate, timely support. 

    
    Plan administrator support

    
    Wildfires can have a profound impact on regular business operations in affected regions. If plan administrators are unable to carry out day-to-day plan administration, they can call us at 1-800-265-4556. They can also contact their Client Relationship Specialist for support.
    
    This is a challenging time for advisors, plan sponsors and plan members. We will continue to monitor the situation and provide additional updates as appropriate.

    
    Questions

    
    If you need more information, please contact your Group Account Executive.