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1. Kickoff to 2025 with Equitable - start the new year in the know Equitable^® is here to help you start the new year in the know with expert insights and forecasts for the year ahead. Your host, Joseph Trozzo, Vice President of Investment Sales at Equitable, welcomes:
   
   •  David Irwin, AVP, External Fund Management, Investments at Equitable with an overview of Equitable's segregated funds and forecasts for the coming months.
   •  Kevin Press, Editorial Director for Investment Executive and advisor.ca, with industry insights including:
           • Client questions: interest rates, Trump, and all the rest
           • Market consolidation: advisors are hot properties
           • What comes next: key takeaways from the 2025 capital market forecasts
   Special guest Cam Crosbie, Executive Vice President, Savings & Retirement will also join with Equitable highlights for the coming year.
    

   Learn more

   Date posted: January 8, 2025
2. [pdf] Segregated Fund Annual Report - December 31, 2024
3. A New Universal Life Solution for the 21st Century – Coming Soon

   Introducing a new Universal Life solution built for the 21st century: Equitable Generations™ universal life insurance will be available for sale September 26, 2022.

    

   Check out our Equitable Generations universal life splash page: www.equitable.ca/ul

   
   Our new Equitable Generations
   Equitable Generations is a Universal Life product that offers investment options that resonate with today’s 21^st century client while reducing every fee possible. It also reduces the cost of insurance to help clients maximize their opportunity to purchase coverage and build tax-advantaged wealth.
   
   Features of Equitable Generations:
   • 34 fund options, including 18 new investment options, tracking funds managed by Fidelity™, Dynamic™, Invesco™ and more.
   • 3 sustainable investment “ESG” (Environmental, Social & Governance) options – because today’s buyer cares as much about impact as they do about returns.
   • Target date funds that auto-rebalance over time so that as a client approaches retirement, the fund adjusts its risk automatically.
   • A lower cost insurance with no policy fee, with the opportunity to purchase insurance protection, more opportunity to build wealth, or both.

   
   Supporting you at claim time with KIND™

   This service will include the following components:
   ● Living Benefit
   ● Bereavement Counselling benefit
   ● Snap Advance*
   ● Compassionate Advance*

   ^* Snap Advance and Compassionate Advance are non-contractual and may be altered or terminated by Equitable Life at any time without notice.
   
   New illustration software available
   The updated illustration software will be available for download after 9 a.m. ET on Tuesday, September 6, and will include the new Equitable Generations product. See the Equitable Sales Illustrations Update for information on how to download the software or check for updates.  
   
   Learn more
   Transition rules are available

    

   Check out our Equitable Generations universal life splash page: www.equitable.ca/ul

   Watch for more information and get ready to sell Equitable Generations universal life as it becomes available on September 26.
   
   Please contact your Regional Sales Manager for more information. 

   Invesco® and all associated trademarks are trademarks of Invesco Holding Company Limited, used under licence. Invesco is a registered business name of Invesco Canada Ltd.
   Dynamic Funds is a registered trademark of its owner, used under license, and a division of 1832 Asset Management L.P.
   Fidelity is a registered trademark of 483A Bay Street Holdings LP. Used with permission.
   Equitable Life, Equitable Life of Canada, KIND and Equitable Generations are registered trademarks of The Equitable Life Insurance Company of Canada.

4. Advisor Compensation after the DSC/LL ban May 29, 2023 As of May 29, 2023, Pivotal Select segregated fund contracts will not allow new deposits to the Deferred Sales Charge (DSC) and Low Load (LL) sales charge options. This is in response to the ban on deferred sales charges by the Financial Services Regulatory Authority (FSRA). The following sales charge options will continue to be available:
   • No Load (NL)
   • No Load – 3 year chargeback (NL-CB)
   • No Load – 5 year chargeback (NL-CB5)
    
   Advisors may be wondering how compensation compares under various sales charge options.
    
   Here is an example of advisor compensation for a $100,000 segregated fund contract in the Equitable Life Active Balanced Portfolio Select.* 

   Year	No Load	DSC	Low Load	No Load CB	No Load CB5
   1	$1,008	$5,544	$3,024	$3,500	$5,600
   2	$1,008	$504	$504	$504	$504
   3	$1,008	$504	$504	$504	$504
   4	$1,008	$504	$1,008	$504	$504
   5	$1,008	$504	$1,008	$1,008	$504
   6	$1,008	$504	$1,008	$1,008	$504
   7	$1,008	$504	$1,008	$1,008	$504
   8	$1,008	$504	$1,008	$1,008	$504
   Contract Value	Total Compensation Paid
   $100,000	$8,064	$9,072	$9,072	$9,044	$9,128

   *For illustration purposes, this assumes a 0% return over the period shown.
    
    
   Over an 8-year period, total advisor compensation with the CB5 sales charge option is $9,128 versus $9,072 and $8,064 with DSC and NL respectively.
    
   Below is the chargeback schedule for NL-CB and NL-CB5: 
    

   Month (age of units)	Commission Chargeback Schedule NL-CB	Commission Chargeback Schedule NL-CB5
   1 - 12	100%	100%
   13 - 24	97.2% - 66.4%	98.3% - 82.0%
   25 – 36	63.6% - 32.8%	80.5% - 64.0%
   37 – 48	0%	62.5% - 46.0%
   49 – 60	0%	44.5% - 28%
   61+	0%	0%

    
   For more information, please contact your Regional Investment Sales Manager.
    
   ™ or ® denote registered trademarks of The Equitable Life Insurance Company of Canada.
    
   Date posted: June 15, 2023 
    
5. [pdf] Segregated Fund Semi-annual Report - June 30, 2024
6. [pdf] Investment Direction - Legacy products
7. [pdf] Pivotal Select Advisor Guide
8. New Applications & Transaction Authorization Requirements
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