Chinese Markets
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In 2023, Equitable formed a dedicated team for the Asian market. This team focuses solely on you and your business. Jeff Tse, the Vice President of Asian Markets, leads this unit. He has put together a top-notch wholesaler team.
We're committed to the Asian market
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As a mutual, we provide financial security differently by focusing exclusively on our clients. |
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Equimax®, our participating whole life product line, is very competitive and recently underwent an exciting update. |
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We have an excellent participating account rate of return. |
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Our dedicated Asian market team is here to assist you. |
| All numbers quoted above are as of Q4 2024 | |||
What's New？
| 2026 dividend scale announcement, plus new Performance and perspective par fund report Good news! Equitable’s Board of Directors has approved maintaining our current dividend scale, including the dividend scale interest rate of 6.40%, effective July 1, 2026, through June 30, 2027.* These factors are also staying the same: • The interest rate* used to decide the dividend scale is unchanged at 6.40%. • The interest rate for policies with dividends on deposit stays at 3.50%. • The interest rate for most policy loans continues to be 6.40%. ** A stable dividend scale reflects strong, long‑term management of the participating fund. Find out what’s new with Equitable Individual Insurance and hear the 2026 Dividend Scale announcement. New! Performance and perspective participating fund report You now have a powerful new resource, Performance and perspective, to support your client conversations about Equitable’s participating fund. It’s designed to give you a transparent view of 2025 participating fund performance to help you explain long‑term value simply, and position Equimax® participating whole life as a long‑term solution, not just a product. View the report: Performance and perspective Reasons to use Performance and perspective • It strengthens your conversations and builds client confidence by showing the participating fund asset mix, historical performance and long‑term approach all in one place. • It helps you explain with clear visuals how the participating account is managed, not just how it performed. Why this matters to clients • They get transparency into where their money is invested. • They can see how participating solutions are managed over time, not year to year. • They gain confidence in long‑term planning decisions, supported by facts. Need more information? • Dividend Information Page • 2026 Advisor Dividend Scale Notice • 2026 Client Dividend Scale Notice *Dividends are not guaranteed and are paid at the sole discretion of the Board of Directors. **Applies to new and existing policy loans and automatic premium loans, specifically Equimax® policies with 9-digit policy numbers beginning with 3 or 8. Older policies may have different loan rates as they reflect the prime interest rate. |
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Celebrating Asian Heritage Month Equitable® is deeply committed to the Asian market. This month, we are celebrating the rich history and diverse contributions of Asian culture in Canada. This beautiful koi fish artwork was created by Steffi Lai. The koi fish symbolizes perseverance, prosperity, and determination. These are all qualities which are embodied by our advisor partners. Visit our Chinese Markets webpage for news stories, marketing materials, and subtitled videos available in simplified Chinese. |
| Episode 2 - Straight Talk: Real answers to big questions. Mark Warywoda, VP of Public Investments, explains how disciplined asset sourcing and a responsibly scalable investment strategy support Equitable’s long-term performance as the par account grows. | |
| Episode 1 - Straight Talk: Real answers to big questions. Mark Arruda, VP of Individual Insurance Pricing and Finance, discusses how strong governance, disciplined risk management, and prudent capital practices allow Equitable’s par account to perform at top-tier levels across the Canadian marketplace. | |
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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. For more information visit our English Splash Page. |
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Wrapping up 2025 with our new term rates! Among the most competitive in the market Equitable® is wrapping up 2025 with our new term rates effective November 22, 2025. Many Canadians view life insurance as unaffordable, with 34% saying cost is the top reason they go without coverage.1 Our new term rates are designed to help address these concerns. They offer flexible and affordable options to help clients get the protection they need. 1 Investment Executive at Survey finds affordability, lack of trust, barriers to buying life insurance | Investment Executive What’s New: Updated premium rates for Term coverage, included on: • Term 10, Term 20 and Term 30/65 plans • Including Term Riders on Critical Illness (CI), Whole Life (WL), Equitable Generations® Universal Life (UL) and Equation Generation® IV Universal Life View our Transition Rules for all the details on processing your applications. Check out our new term rates for yourself. Run quotes monthly (versus annually) for our best term rates. Contact your Equitable wholesaler today to learn more! |
| Watch Ask our Experts episode 4, featuring Bryan McNulty, Head of Tax and Estate Planning. Bryan talks about: • How his past experiences serve him in his role at Equitable. • The importance of policy ownership. • Equitable’s mutual status and our focus on life insurance. |
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| Watch Ask our Experts episode 3, featuring Mark Warywoda, Public Investments VP. Mark shares his thoughts on: • The benefits of Equitable’s PAR fund
• The key advantages of mutuality
• The golden rule of investing: staying focussed on the long term.
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Watch Ask our Experts episode 2 featuring Kevin Till, AVP of Individual Life Pricing • How quickly Equitable can turn around a large case quote. • The difference between a mutual and a stock insurance company. • Equitable’s reinsurance strategy.
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Watch Ask our Experts episode 1 featuring Cindy Shirley, Chief Underwriter and Claims Risk Management • The large case underwriting team. • The important relationship between advisors and underwriters.
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The concept of viewing life insurance as an asset class only became mainstream in Canada 12 years ago, after Wayne Miller, BMATH, ASA, made the case for it in an industry magazine article. |
Our Asian markets team
 Jeff Tse, BCom, CFP® Asian Markets Vice President Read bio |
 Denny Tsai, M. Sc. Insurance Sales Director, Asian Markets Division Read Bio |
 Jonathan Liang Insurance Sales Director, Asian Markets Division Read Bio |
 Lavina Tan Insurance Sales Director, Asian Markets Division Read Bio |
 Jennifer Feng Virtual Sales Representative, Asian Market Read Bio |
 Mary Fang Virtual Sales Representative, Asian Market Read Bio |
Video Library
| Video | Name |
| Why Equitable: The power of together | |
| Large case markets | |
| Spring update and dividend scale for 2025/2026 | |
| Term life insurance with Equitable | |
| Enhanced Equitable GenerationsTM UL is here | |
| Straight Talk: Real answers to big questions |