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  1. Give clients guaranteed retirement income with Payout Annuities
    With increased market volatility and interest rates higher than we have seen for much of the past decade, now is a great time to consider payout annuities. Payout annuities can provide regular guaranteed income regardless of how markets perform. 
     
    Clients using only a Systematic Withdrawal Plan (SWP) for retirement income are potentially vulnerable during times of market volatility due to the sequence-of-returns risk.1 When markets are down, more units are redeemed to cover income needs. When markets later rise, clients are not able to participate fully in the recovery because more units were redeemed to provide income. That is why having a guaranteed income component, like a payout annuity, as part of an overall retirement strategy is so important.
     
     
    Two great reasons to consider Equitable Life® for your payout annuity business:

    1. Choose from a variety of payout annuity options including:
       
         A. Life Annuity – guaranteed income for one life
         B. Joint Life Annuity – guaranteed income for two lives
         C. Term Certain – guaranteed income for a specific period of time (5 to 30 years)
         D. Term Certain to Age 90 – guaranteed income until age 90

    2. Attractive rates, particularly in Registered and Term Certain Annuities

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    For more information, please contact your Equitable Life Regional Investment Sales Manager.
     
     
    1Sequence-of-returns risk, or sequence risk, is the risk that an investor will experience negative portfolio returns very late in their working life and/or early in retirement.
     ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
  2. Help your clients this tax season with Equitable Life
    It is tax time, and your clients should be receiving tax slips and deposit receipts by now. Check out the Tax Slips: A Quick Reference Guide which gives a taxation breakdown by product. Review Insights into Non-Registered Taxation that offers a detailed explanation on investment income, and why T3 tax slips generate on non-registered segregated funds. Does your client have questions about contribution limits? Retirement Income Fund minimums? or Canada pension maximums? Check out Equitable’s handy 2022 Facts & Figures guide.

    Did your clients sign up for tax slips on Equitable Client Access before December 31, 2021?
    If so, your clients can download or print their tax slips quickly and easily from their Equitable Client Access Inbox.
     
    For questions, contact Equitable's Advisor Services Team Monday to Friday, 8:30 a.m. – 7:30 p.m. ET at 1.866.884.7427 or by email at savingsretirement@equitable.ca. or your Regional Investment Sales Manager.
  3. Tax Slips – What you need to know
    It is tax time, and clients should be receiving tax slips and deposit receipts by now. Check out the Tax Slips: A Quick Reference Guide for a taxation breakdown by product and Insights into Non-Registered Taxation for a detailed explanation on investment income, and why T3 tax slips are generated on non-registered segregated funds.

    Clients who registered for tax slips on Equitable Client Access before December 31, 2022, can download or print tax slips quickly and easily from their Equitable® Client Access Inbox.  Advisors can download tax receipts on Document Lookup on EquiNet®.
     
    For questions about contribution limits, Retirement Income Fund minimums and Canada pension maximums check out Equitable Life®’s helpful 2023 Facts & Figures guide.
     
    Equitable's Advisor Services Team is available Monday to Friday, 8:30 a.m. – 7:30 p.m. ET at 1.866.884.7427 or by email at savingsretirement@equitable.ca. You can also contact your Regional Investment Sales Manager.

     ® denotes a trademark of The Equitable Life Insurance Company of Canada.
    Posted: February 15, 2023
  4. New secure encryption process for outstanding Equitable S&R business requirements
    The Equitable® Savings and Retirement Operations team is improving how they send secure email messages to advisors. These emails are sent when there are outstanding requirements for an application or missing information for requests.


    Previously, advisors had to manually password protect or unlock PDF documents. This caused delays and difficulties for recipients. The new encryption process will remove that confusion and make it easier for advisors to send and receive secure, encrypted messages.


    Advisors will now receive secure, encrypted emails from the QA annuity operations mailbox. These emails will use an encrypt option to protect personal client information, such as attachments or requests for personal documents. Recipients will get an email with a subject line saying they have a secure private message. They will need to sign in to view the message or choose to get a one-time passcode (OTP).






    Please ensure to check the SPAM folder for the OTP option as it will expire in 15 minutes. Enter the OTP in the secure message
    portal.



    Emails are sent in both English and French, with automatic translation based on browser settings. Recipients must click the view button to access the message in the secure web portal where they can see the encrypted attachment.

    Make sure to click Reply in the top right corner of the encrypted message to keep communications within the secure portal.



    For more information or assistance, please contact your Director, Investment Sales.

    Date posted: May 22, 2025
  5. [pdf] WL Annuity 20 Pay
  6. [pdf] Equitable GIF FHSA Application
  7. [pdf] Dollar Cost Averaging
  8. Here is what our advisors are saying about Equitable’s EZtransact

    You asked US to make EZtransact™ even easier, so we did. We asked YOU to tell us what you think, and you are! Here is what our advisors are saying about Equitable’s EZtransact:

    thumbup-up-thumb-shine-like.png“EZtransact puts Equitable above all our product partners! This was so easy! Thank you!” - Michelle Rolston


    handshake.png“You've done an amazing job with the forms that are so easy to deal with now! Thank you”. - Jane Hanson

    group-team-people.png“You've got this thing running brilliant” - Gerald Kottke

    icon-heart-give-love-hand.png“Love the ease of this!” - Bradley Radke

    In case you missed the most recent updates to EZtransact, advisors can now help clients make segregated fund withdrawals for all account types, and transfer from one fund to another digitally using our self-serve tool. Comments from our advisors since these enhancements were made have been overwhelmingly positive. Thank you!

    Get to know EZtransact and fast-forward your sales process. If you have any questions, please contact your Director, Investment Sales, or Advisor Services Team Monday to Friday, 8:30 a.m. – 7:30 p.m. ET at 1-866-884-7427, or email savingsretirement@equitable.ca.

    Date posted: August 22, 2024 

  9. Show term and critical illness illustrations with ratings


    Rating options are now available in term and critical illness web illustrations. When you add a rating, the premium changes so clients can see the difference. This makes it easier to compare options and set expectations early.

    What’s new
    You can apply ratings to your term and critical illness web illustrations. When you choose a rating, the illustration and report update right away with the new premium.

    Benefits
       • Clear side‑by‑side comparisons
       • Illustrated options better fit client’s needs
       • Talk about options with more confidence

    How to use the rating feature
      1. In the web illustration, go to Personal Information.
      2. Select the Ratings checkbox.
         • This option also appears when adding a term rider or critical illness rider.

      3. Choose the rating type you want to illustrate:
         • Permanent amount (term)
         • Permanent percentage (term and critical illness)
         • Temporary amount (term)
    Once applied, the premium updates automatically and appears in the illustration report.

    Important to know
       • Illustrated ratings are for comparison purposes only.
       • When you submit an application, the system removes the illustrated rating.
       • The final rating is determined through underwriting.

    Improving your experience with more digital enhancements
    We’re always working to improve the web illustration experience based on your valued feedback.
    Here are some improvements you've asked for:
       • A confirmation box appears showing the rider selected is included in the illustration report.
       • When you’re signed into EquiNet your name and advisor code are included at the bottom of the illustration report.
    New design updates to the illustration reports now make it easier for you and clients to review. Use these clear and refreshed illustrations to help clients get the protection that best meets their needs.

    Questions
    Contact your Equitable wholesaler. For specific case support be sure to include:
       • the client name (if applicable);
       • the product (term or CI);
       • screenshot of the illustration settings.

  10. Policy Change and Conversions eDelivery - Quick Tips and Tricks