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  1. [pdf] Health Care Spending Account - Plan administrators
  2. About
  3. 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.
     
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    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.
     
     
  4. 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.
    • Win-Win – our GIAs allow you to give the client a better interest rate while still earning a good commission.
     
    button.png
     
    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.
     
    ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
     
     
  5. Why tax refunds aren't always good It’s important for advisors to help clients understand their finances. Many people think getting a tax refund is good, but that's not always true. Here are some reasons why.

    1. Overpaying Taxes
    A refund on a tax return means the client paid too much in taxes during the year. This is like giving the government an interest-free loan. Instead, clients could use that money each month for savings or investments.

    2. Missed Investment Chances
    When clients overpay taxes, they miss chances to invest that money. It could have been earning interest or growing in value instead of sitting with the government.

    3. Poor Financial Planning
    A big tax refund can show poor financial planning. It's better if clients break even, meaning they don't owe much and don't get a big return. This shows their tax withholdings are accurate.

    4. False Sense of Security
    A large tax refund can make clients feel falsely secure. They might spend it quickly instead of saving or investing it wisely.

    5. Financial Hardship
    Overpaying taxes can make it hard for clients to manage their money during the year. They might struggle with monthly expenses or saving for emergencies.

    Advisors should teach clients about the downsides of tax refunds. By adjusting their withholdings, clients can manage their money better and take advantage of investment opportunities. Aim for a balanced tax situation to improve financial health.

    Help clients make the most of their investment opportunities this tax season. For more information, contact your Director, Investment Sales.

    Date posted: March 20, 2025
  6. Fidelity Investments Canada
  7. New illustration software now available!
    We have updated our illustration software. Please be sure to download the latest version:
     2023-3 (August 2023).

    - Web-based illustration software on secure EquiNet® (log in required)
    - Desktop illustration software

    We have new rates for our Equimax® Wealth Accumulator and Estate Builder plans. Please refer to our Transition Rules for all the details on processing your applications.

    Need more information?
    For information on these changes, please contact your Equitable Life wholesaler. 


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