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  1. [pdf] Ownership Change Form
  2. Equimax Estate Builder® reprice
  3. Additions and Increases
  4. [pdf] G3NU-Application for Non-Underwriting Change
  5. Levelizing taxes on fixed income investments
    A smart strategy to promote with clients
    Many clients choose fixed income investments because they are more stable and predictable than other investment types. However, there is a downside to this approach that many don’t think about – taxes, which increase as the investment grows. As an advisor, you can help clients reduce some of the money they pay in taxes by suggesting a different approach.

    The tax challenge
    In most cases, fixed income investments are taxed yearly. To pay these taxes, clients usually take out some of the interest income earned, and leave the rest invested. This in turn increases the tax that must be paid on the interest earned the next year. As a result, a large amount of the investment income earned each year goes straight to taxes with a growing amount of tax that must be paid each year. You can show clients a solution that can help lower total taxes they pay on their fixed income investments. 

    The solution: levelize the tax
    Using participating whole life (WL) insurance as part of a financial solution, you can help clients levelize their annual tax payment. And lower the cumulative tax they must pay on their fixed income investments. 



    How it works 
    Each year the client takes out the full amount of the interest earned on the fixed income investment. They leave only the principal amount. Part of the interest income withdrawn is used to pay the taxes on the fixed income investment. The remaining amount is used to pay premiums for a participating WL policy. Because the client is leaving only the principal amount invested, the tax they pay each year is a levelized amount. This reduces the cumulative taxes they pay over the life of the fixed income investment.

    With this solution, the value of the fixed income investment along with the potential value provided by the participating WL policy, can mean a higher estate value. And a lower cumulative tax bill than what can be achieved through only the fixed income investment.

    The participating life insurance not only provides valuable life insurance coverage, but also offers tax-advantaged growth and the potential for dividends. 

    To help explain this concept to individual clients, feel free to share Levelize the tax on your fixed income investments with participating whole life (1799).

    This concept also works with corporate owned participating whole life policies. Feel free to share Levelize the tax on fixed income investments with corporately-owned participating whole life (1874).  

    Why it matters
    This solution isn’t just about lowering taxes. It’s about helping clients grow their money, plan for their future, and protect what matters most. As an advisor, guiding clients toward solutions that address both immediate and future needs can set you apart and help build trust.

    Contact your wholesaler to learn more.
  6. Compensation Inquiry
  7. 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’.
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    2. In the Settings menu, locate ‘Default browser’ and click on ‘Add’ in Internet Explorer mode pages.
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    3. Enter the URL https://advisor.equitable.ca/advisor/compensationinquiry and click on ‘Add’.
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    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
  8. A strong close to 2024 for our participating account Equitable takes pride in its mutual structure. Our participating clients benefit from the wide range of assets we invest in. We also work to ensure these investments support and strengthen communities across Canada. Thanks to our investment team, participating clients enter 2025 with a strong long-term outlook.

    The December 2024 Participating Account Asset Mix Quarterly Update has now been posted.

    View the #1360 piece here.

    For more information, please contact your local wholesaler.
     
  9. Equitable's Spring update & 2025 Dividend Scale Announcement


    Join us virtually on June 5th, 2025!

     
    We invite you to join us virtually on June 5th, as our senior leaders share some exciting updates and the latest dividend scale news - all beginning at 1:00pm EDT.

    When: Thursday, June 5th, 2025

     Time: 1:00pm – 1:20pm EDT



    On the day of the event, choose your language preference option below when it’s time to enter the meeting.
    English-Button-2-(1).png French-star-Button-2.png Chinese-star-Button-2.png
    (*The French and Chinese events will be partially in English, with sub-titles on screen).

    We look forward to seeing you there!
  10. [pdf] Payout Annuities Client Brochure