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1. Advisor Code of Conduct - Updated! Our Advisor Code of Conduct sets out Equitable Life's expectations of advisors in dealing with clients and other stakeholders. The Code of Conduct forms part of your contractual relationship with us.
   
   We have updated our Code to clarify specific expectations to help you meet regulatory compliance requirements, support your needs-based sales, and treat customers fairly.
   
   Please review our updated Advisor Code of Conduct.
2. Equitable Life Savings & Retirement Webinar Series featuring Dynamic Funds

   In 2022, Equitable Life’s^® S&R team will continue to spotlight various aspects of our competitive fund lineup and product offerings. Each webinar in the series features a new topic. This series gives advisors an opportunity to:

   • learn more about products and product features,

   • hear from industry professionals,

   • learn about investment strategies; and so much more.

   This month, Equitable Life welcomes David L. Fingold, Vice President and Portfolio Manager, 1832 Asset Management L.P.
    
   Learn More!
    

3. Changes to the Compensation Inquiry section on EquiNet The Compensation Inquiry Section from EquiNet is only available on Microsoft Edge. Please follow the instructions below:
   
   1. Open Microsoft Edge, click on the three dots in the top right corner and select ‘Settings’.
   ​
   
   2. In the Settings menu, locate ‘Default browser’ and click on ‘Add’ in Internet Explorer mode pages.
   
   
   3. Enter the URL https://advisor.equitable.ca/advisor/compensationinquiry and click on ‘Add’.
   
   
   4. Login into EquiNet using Microsoft Edge and you will be able to access ‘Compensation Inquiry’.
   
   This configuration expires in 30 days, if you want to continue accessing ‘Compensation Inquiry’ after 30 days, you will need to redo the steps above.
   
   If you encounter problems configuring, call our support line at 1.800.722.6615 ext. 8888
4. 7% No Load CB5 Initial Commission - Limited Time Offer!

   
   For a limited time only, Equitable Life^® is pleased to announce an increase to the CB5 sales option initial commission from 5.6% to 7.0% on Pivotal Select™ segregated funds. The 7% initial commission is effective from May 20 to August 31, 2022 only.* 
   
   
   
   Equitable Life is committed to offering advisors and clients product, service, and feature choices that best suit their needs. We are pleased to offer multiple sales charge options, three distinct guarantee classes, and a diverse selection of investment funds to align with advisors’ and clients’ unique needs.
    
   For more information, please contact your Equitable Life Regional Investment Sales Manager.

    

   * Increased initial commission does not apply to pre-existing PADs. Equitable Life reserves the right to end the campaign, at any time and without notice. 
   ** Applies to FundSERV trades occurring between May 20 and August 31, 2022. Initial commission on non-FundSERV trades occurring between May 20 to August 31, 2022 increases from 4% to 5%. Initial commission is subject to a chargeback.

    
   ™or ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
    

5. The value of Equitable Life’s EZcomplete online application for Pivotal Select
   Necessity is the mother of invention. And COVID-19 has taken Equitable Life’s® EZcomplete® online application to the next level. Prior to the pandemic, EZcomplete was touted as being convenient and easy to use. Well, it is. But now…it is so much more.
   
   Whether secure in an office or safe at home, EZcomplete’s non face-to-face capabilities include an alternative to physical verification. EZcomplete simply requires verification of ID using a third-party service provider. The third-party service provider completes the verification behind the scenes using information that was already required to complete an application. By removing the physical ID requirements, the ID verification process has been automated and simplified.
   
   EZcomplete’s electronic signature functionality is also easy and secure. To enable a remote signature, your client just provides an e-mail address. Your client will receive a link and security code that you provide. The client enters the code, reviews the application and e-signs the documents.
   
   Step by step directions ensure you have the right details without any confusing or unnecessary questions. Highlighted fields alert you to any missing information, eliminating any extra work or effort. The immediate processing also helps make it an attractive resource.
   
   
   
   Whether selling segregated funds face to face or from the comfort of home, Equitable Life’s EZcomplete online application and Pivotal Select™ segregated fund line up provide the solution for even the most rattled and weary investor. Learn more, visit EquiNet or contact your Regional Investment Sales Manager.
    
6. Step Up Your Wealth Sales with Equitable Life

   
   Step up your wealth sales with Equitable Life^® and you’ll be rewarded with a growth bonus for doing more business in 2022.  Make this year your best year ever with Equitable Life!
    
   The program rewards advisors who promote Equitable Life’s Savings & Retirement products to existing and new clients as part of an overall investment strategy based on client needs. 
    
   
   
   
   
   Commission Bonus Calculation:
   Gross deposits into segregated funds
   + Gross deposits into Guaranteed Interest Account (GIA) contracts
   + 25% of payout annuity sales
   ― Segregated fund redemptions
   ―  GIA redemptions
   = 2022 Net Deposits
    
   All eligible deposits, sales, and redemptions occurring between January 1 and December 31, 2022, will be used to calculate an advisor’s 2022 net deposits.
   
   
   
    
   * The bonus amount will be calculated at the end of 2022 based on net deposits. The bonus will be paid within 90 days following December 31, 2022. Maximum bonus payable is $75,000.
    
   For more information, download our flyer or contact your Equitable Life Regional Investment Sales Manager.
    
   And as a reminder, we increased the CB5 sales option initial commission from 5.6% to 7.0% on Pivotal Select™ segregated funds. The 7% initial commission is effective from May 20 to August 31, 2022 only.** Learn more.
    
   Equitable Life is committed to offering advisors and clients product, service, and feature choices that best suit their needs. We offer multiple sales charge options, three distinct guarantee classes, and a diverse selection of investment funds to align with advisors’ and clients’ unique needs.  

    
    
   ** Equitable Life reserves the right to end the campaign, at any time and without notice.
   ™or ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
7. Equitable Life Savings & Retirement Webinar Series featuring Dynamic Funds
   Equitable Life continues to spotlight various aspects of our competitive fund lineup and product offerings. This series gives advisors an opportunity to:
   
   • learn more about various products and product features,
   • hear from industry professionals,
   • learn about investment strategies; and so much more.
   
   This month, we welcome Bill McLeod, Vice President & Portfolio Manager, Equity Income, from Dynamic Funds. Join us to hear Bill McLeod discuss:
   
   • North American markets in 2022
   • Insights on the current positioning and review of the investment process for Dynamic’s Equity Income Fund.
   
    

   Learn more

    
   
   Equitable Life is pleased to offer access to five different Dynamic Funds in the Pivotal Select™ segregated fund lineup including the Equitable Life Dynamic Equity Income Fund.
   
   This webcast is available in English only.
    
    
8. Reminder: Review and Manage Key Notifications on EquiNet Supporting your business as an Equitable Life advisor is our top priority and EquiNet is our top resource to help you manage important policy notifications. You should routinely review policy updates, schedules, statements, and notices and follow up with clients.
    
   Some key notifications you will find on EquiNet include:
    
   • Premium Renewal Notices (including for Term Riders on UL policies)
   • Returned PAC (Pre-Authorized Chequing) Letters
   • SROs (Special Reinstatement Offer)
   • Lapse Notices
   • APL Warning Letters
   • FGIO Notices
   • Tax Exempt Notices
    
   A review of these and other available documents under the Document Lookup tool and following up with clients will help prevent situations of policy lapses and missed renewal notifications. These documents should be managed as part of providing ongoing, superior customer service to our clients.
9. WFG KYC and Trade Ticket documents are now part of EZcomplete

     
   
   Equitable Life® wants to help you get on with your day. Effective June 11, 2022, WFG’s KYC* and Trade Ticket documents will be integrated into the highly rated EZcomplete® online application tool. This means no more completing these documents separately and uploading them to EZcomplete.
   
   By integrating the KYC and Trade Ticket with EZcomplete:

   • these documents will automatically populate with information collected in the EZcomplete process,

   • necessary signatures will be captured, and

   • these documents will be sent to WFG’s back office on your behalf.

    
   Once the application has been submitted, signed documents will be available for advisors, clients, and joint clients to download. It is that easy.
    
   Get on with your day with Equitable Life. Log in to EZcomplete today.
    
   Speak to your Regional Investment Sales Manager to learn more.
    
   * KYCs on corporately owned policies are not currently supported
   ® denotes a trademark of The Equitable Life Insurance Company of Canada.

10. Competitive GIA rates and more!
    With many bond funds declining in value over the past year, clients are looking for fixed income alternatives to reduce portfolio risk while providing a principal guarantee and an attractive interest rate.  
    
    Equitable Life® Guaranteed Interest Account (GIA) investment options are ideal for clients who want to create an emergency fund or save for a special purchase. And we’ve recently increased interest rates to make our GIA options even more competitive! 
     
    A few reasons to consider Equitable Life for your GIA business:
    • The GIA advantage – a life insurance contract can provide many estate planning benefits.
    • Industry-leading compensation – we currently pay 40bps of commission per year of term.¹ Many competitors only offer 20 – 25bps per year of term.²
    • Cashable option³ – allows clients to access their money in case of unexpected circumstances. Not many competitors offer this feature.²
    • Advisor rate discretion – advisors can forego up to 40bps of commission for an equal increase in interest rate, making our great rates even better.
    • Step Up Your Wealth Sales program – 100% of GIA net deposits⁴ are used to calculate the 0.75% bonus commission earned on net deposits for 2022.
    • Win-Win – our GIAs allow you to give the client a better interest rate while still earning a good commission.
     
    
     
    For more information, please contact your Equitable Life Regional Investment Sales Manager.
     
     
     
    ¹ Equitable Life commission rates as at May 19, 2022.
    ² Competitive information as at November 20, 2021; Equitable Life does not guarantee the accuracy of competitive information.
    ³ Withdrawals made prior to the maturity date will be subject to a market value adjustment and may be subject to tax.
    ⁴ All eligible deposits, sales, and redemptions occurring between January 1 and December 31, 2022, will be used to calculate an advisor’s 2022 net deposits.
     
    ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.