Segregated Funds

Segregated Funds


Pivotal Select Segregated Funds

Pivotal Select™ offers your clients a wide range of segregated fund investment options with growth potential with financial protection. With a variety of asset classes and product features, Pivotal Select segregated funds provide the flexibility needed to build a customized financial plan that will help your clients reach their investment goals.

 
Maturity and death benefit guarantee options:

  • Investment Class (75/75)
  • Estate Class (75/100)
  • Protection Class (100/100)

Sales Charge Options:

  • No Load (NL)
  • No Load CB (NL-CB)
  • No Load CB5 (NL-CB5)
  • Low Load (LL)
  • Deferred Sales Charge (DSC)

Fund Options:

  • Access to more than 30 segregated funds from Canadian fund managers including: Dynamic Funds, Equitable Asset Management Group, Fidelity, Franklin Templeton, Invesco, Mackenzie and MFS. Click here for a complete list of our segregated funds

Product Options:

  • Automatic Payment Increase Option
  • Dollar Cost Averaging
  • Online Banking Deposits 
  • Investment Loans
  • Annual Resets 
  • Deferred Sales Charge Reimbursement option

Available Registration Options:

  • Non-Registered Savings Plan
  • Tax-Free Savings Account (TFSA)
  • Registered Retirement Savings Plan (RRSP)
  • Retirement Income Fund (RIF)
  • Locked-In Retirement Account (LIRA, RLSP, LRSP)
  • Life Income Fund (LIF, PRIF, LRIF, RLIF)

Competitive Advantages:

  • A world of investment opportunity: fund choices that offer a wide range of asset classes, with global investment options available within every guarantee class
  • Powerful resets: annual client-initiated resets to age 80 that lock-in market gains (Estate Class 75/100 and Protection Class 100/100)
  • 100% death benefit guarantee: offers a non-reducing death benefit, where every deposit made to the Estate Class (75/100) and Protection Class (100/100) guarantee options always receives a 100% death benefit guarantee, with deposits accepted to age 85
  • 100% maturity guarantee: every deposit made to the Protection Class (100/100) guarantee option within the first year is fully protected with a 100% maturity guarantee on the 15th policy anniversary
  • Competitive price: offering competitive MERs and some of the lowest guarantee fees amongst our competitors
  • Equitable Client Access: an online client portal that your clients can use to view their policy information and market values, and tools that allow your clients to make updates to their banking details and contact information


 

If you would like to order paper copies, click here for the Savings and Retirement Supply Order Form.

 
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 Cover Marketing Material Name Available Languages Product
0693ANN Download cover image for file Investment Direction - Pivotal Solutions, PIP, GIA (2021/06/07) Investment Direction - Pivotal Solutions, PIP, GIA (2021/06/07) File
Available in PDF only (fillable/savable)
FR
1388 Download cover image for file Change of Sales Charge Option (Pivotal Select) (2020/12/07) Change of Sales Charge Option (Pivotal Select) (2020/12/07) File
(fillable/savable)
FR
1605 Download cover image for file Deferred Sales Charge Reimbursement Request Form  (2021/06/07) Deferred Sales Charge Reimbursement Request Form (2021/06/07) File
Available in PDF only (fillable/savable)
FR
0693SEL Download cover image for file Investment Direction - Pivotal Select (2021/06/07) Investment Direction - Pivotal Select (2021/06/07) File
(fillable/savable)
FR
1366 Download cover image for file Pivotal Select Fund Facts (2021/06/01) Pivotal Select Fund Facts (2021/06/01) File
Looking for more fund information, we’ve got you covered – not just at purchase, but in the years to come too.
FR
1403 Download cover image for file Pivotal Select Contract and Information Folder (2020/11/05) Pivotal Select Contract and Information Folder (2020/11/05) File
A complete and detailed disclosure of all material facts relating to Equitable Life's Pivotal Select product. The Pivotal Select Fund Facts must accompany this item.
FR
1384 Download cover image for file Pivotal Select Application Registered/Non-Registered (2021/04/12) Pivotal Select Application Registered/Non-Registered (2021/04/12) File
(fillable/savable)
FR
1383 Download cover image for file Pivotal Select TFSA Application (2021/04/02) Pivotal Select TFSA Application (2021/04/02) File
(fillable/savable)
FR

If you would like to order paper copies, click here for the Savings and Retirement Supply Order Form.

 
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 Cover Marketing Material Name Available Languages Product
1971 Download cover image for file Fidelity Investments funds for Pivotal Select Fidelity Investments funds for Pivotal Select File
The newly offered Fidelity® Investments funds for Pivotal Select™ segregated funds invest in underlying mutual funds. (Available in PDF only)
FR
1675 Download cover image for file Insights into Non-registered taxation Insights into Non-registered taxation File
When you invest in non-registered segregated funds you may receive a T3 tax slip* that reports the income that was allocated to your policy in the previous tax year.
FR
0375SEL Download cover image for file Segregated Fund Codes (2021/06/07) Segregated Fund Codes (2021/06/07) File
A reference document listing all of Equitable Life's segregated fund codes (past and present). (Available in PDF only)
FR
1037 Download cover image for file Equitable Life Active Balanced Portfolios Equitable Life Active Balanced Portfolios File
When it comes to choosing the right fund, investors have different investment needs. (Available in PDF only)
FR
0375ANN Download cover image for file Segregated Fund Codes (2021/06/07) Segregated Fund Codes (2021/06/07) File
Personal Investment Portfolio and Pivotal Solutions segregated fund codes. (Available in PDF only)
FR
1112 Download cover image for file Segregated Funds and Estate Planning Segregated Funds and Estate Planning File
When you invest with Equitable Life, you are entitled to features that protect your investment throughout your life, and assist in the efficient transfer of assets when you pass away.
FR
1366 Download cover image for file Pivotal Select Fund Facts (2021/06/01) Pivotal Select Fund Facts (2021/06/01) File
Looking for more fund information, we’ve got you covered – not just at purchase, but in the years to come too.
FR
1385 Download cover image for file Pivotal Select Product at a Glance Pivotal Select Product at a Glance File
This handy overview gives you an overview of the Pivotal Select product, including the Investment Class, Estate Class and Protection Class guarantee options. (Available in PDF only)
FR
1386 Download cover image for file Pivotal Select Estate Class Client Brochure Pivotal Select Estate Class Client Brochure File
Pivotal Select Estate Class is one of the guarantee options available on the Pivotal Select product.
FR CH
1387 Download cover image for file Pivotal Select Investment Class Client Brochure Pivotal Select Investment Class Client Brochure File
Pivotal Select Investment Class is a robust segregated fund offering for investors looking for growth potential and flexibility.
FR CH
1403 Download cover image for file Pivotal Select Contract and Information Folder (2020/11/05) Pivotal Select Contract and Information Folder (2020/11/05) File
A complete and detailed disclosure of all material facts relating to Equitable Life's Pivotal Select product. The Pivotal Select Fund Facts must accompany this item.
FR
1404 Download cover image for file Savings & Retirement Product Comparison Guide Savings & Retirement Product Comparison Guide File
In this brochure you’ll meet five sample investors, each with their own unique investment goals and challenges.
FR
1512 Download cover image for file Pivotal Select MER and Guarantee Fees (2021/06/07) Pivotal Select MER and Guarantee Fees (2021/06/07) File
A one page chart with all of the Pivotal Select funds and their respective Management Expense Ratios (MERs) and Guarantee Fees. (Available in PDF only)
FR
1547 Download cover image for file Pivotal Select Protection Class (Advisor piece) Pivotal Select Protection Class (Advisor piece) File
Pivotal Select™ Protection Class is ideal for investors who are looking for growth potential, but also want to know their principal is protected regardless of market performance.
FR
1548 Download cover image for file Pivotal Select Protection Class (Client brochure) Pivotal Select Protection Class (Client brochure) File
Pivotal Select Protection Class is an enhanced segregated fund offering for investors who want the opportunity for growth, but with the added guarantee that their principal investment is fully protect
FR CH

If you would like to order paper copies, click here for the Savings and Retirement Supply Order Form.

 
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 Cover Marketing Material Name Available Languages Product
1657 Download cover image for file Accelerate Your Savings Automatic Payment Increase Option Accelerate Your Savings Automatic Payment Increase Option File
The Automatic Payment Increase Option is a disciplined approach to automatically increasing your pre‑authorized payments on an annual basis.
FR
1971 Download cover image for file Fidelity Investments funds for Pivotal Select Fidelity Investments funds for Pivotal Select File
The newly offered Fidelity® Investments funds for Pivotal Select™ segregated funds invest in underlying mutual funds. (Available in PDF only)
FR
1638 Download cover image for file Equitable Life's Competitive Advantage Equitable Life's Competitive Advantage File
Advisors are making Equitable Life their first choice for Savings and Retirement products... here’s why
FR
1611 Download cover image for file Grow your guarantee with resets Grow your guarantee with resets File
You can choose to reset once a year at any time, giving you the opportunity to protect investment gains within your policy.
FR
1675 Download cover image for file Insights into Non-registered taxation Insights into Non-registered taxation File
When you invest in non-registered segregated funds you may receive a T3 tax slip* that reports the income that was allocated to your policy in the previous tax year.
FR
1789 Download cover image for file Investing for the Big Picture - Pivotal Select Segregated Funds Investing for the Big Picture - Pivotal Select Segregated Funds File
See the big picture. Investing is rarely risk-free but taking the right risks can be worth it. (Available in PDF only)
FR
1165 Download cover image for file Pivotal Select Investor Profile Questionnaire Pivotal Select Investor Profile Questionnaire File
Before you invest, it is important to understand your attitude towards risk. Knowing your tolerance for risk can help you choose an appropriate portfolio.
FR
1756 Download cover image for file Pivotal Select Preferred Pricing Pivotal Select Preferred Pricing File
At Equitable Life®, we know the importance of reaching your investment goals.
FR
1885 Download cover image for file Take emotions out of investing Take emotions out of investing File
Did you ever buy something when you were happy? What about when you were sad? Emotions often impact our day-to-day life whether we realize it or not.
FR
1618 Download cover image for file The Equitable Life Investment Advantage The Equitable Life Investment Advantage File
When you invest with Equitable Life, you are entitled to features that protect your investment throughout your life, and assist in the efficient transfer of assets when you pass away.
FR CH
1305 Download cover image for file The Right Time To Buy And Sell The Right Time To Buy And Sell File
With these current market conditions, review this example about buying your dream home to help put investing in proper prospective. (Available in PDF format only)
FR
1514 Download cover image for file Gradual Inheritance Strategy Gradual Inheritance Strategy File
When electing this option, you are requesting that the death benefit proceeds payable at your death are used to purchase an annuity for your beneficiary(ies).
FR
1759 Download cover image for file Understanding Equitable Life’s Pivotal Select Preferred Pricing Program Understanding Equitable Life’s Pivotal Select Preferred Pricing Program File
We know the importance of reaching your investment goals. By offering lower management fees on our Pivotal Select product, we can help you achieve your goals sooner.
FR
1797 Download cover image for file Understanding your Investor Profile Understanding your Investor Profile File
Investing in fixed income and equity securities is not without risk. Financial markets can rise and fall and investment decisions revolve around the risk/return trade off you are willing to assume.
FR

Select the appropriate choice to find the rates of return and unit values for Equitable Life’s segregated funds.

 
  Rates of Return Unit Value
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Pivotal Solutions/Pivotal Solutions DSC & Personal Investment Portfolio

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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 Cover Marketing Material Name Available Languages Product
1058A Download cover image for file Annual Report December 31, 2020 Annual Report December 31, 2020 File
Equitable Life Segregated Funds (Available in PDF only)
FR
1058 Download cover image for file Semi-annual Report June 30, 2020 Semi-annual Report June 30, 2020 File
Equitable Life Segregated Funds (Available in PDF only)
FR