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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.
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.
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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.
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.
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Equitable Insights: Our Large Case Experts
Welcome to the fifth video in our Equitable Insights series. “Our Large Case Experts” features Scott Morrow, Individual Insurance Sales Vice President, MGA East, Equitable Life.
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Deposits to the Fidelity Special Situations mutual fund are being limited but the segregated fund is
Fidelity Investments® recently said they would no longer accept deposits from new investors into the Fidelity® Special Situations Fund. This notice however does not affect Equitable Life® clients.
The Special Situations Fund will continue to be open to new and existing Equitable Life clients. This includes clients with Pivotal Select™, Pivotal Solutions* or Personal Investment Portfolio segregated funds contracts.
Why is Fidelity limiting access to the mutual fund?
This award-winning mutual fund has grown significantly and now has $3.6 billion of managed assets. To preserve the integrity of the fund’s investment strategy, Fidelity® decided to limit inflows to the fund. Limiting the amount of managed assets held within the fund allows the fund’s portfolio manager to focus on what he does best - finding special situation investment opportunities and capitalizing on positive change within companies and industries across Canada and around the world.
If you like the Special Situations mutual fund, you will value the Equitable Life Fidelity® Special Situations segregated fund. Segregated funds are similar to mutual funds but offer different features and guarantees. To learn about these features, check out the Investment Advantage. To learn more about the Special Situations segregated fund, click here.
For more information about Equitable Life’s segregated funds, speak to your Regional Investment Sales Manager or visit our segregated funds page on EquiNet®.
References:
Fidelity’s press release announcing the limited fund closure
Fidelity® Special Situations portfolio management strategy, webinar featuring Mark Schmehl, Portfolio Manager.
*No Load, Deferred Sales Charge, Pivotal Solutions II
® or ™ denotes a trademark of The Equitable Life Insurance Company of Canada, except as noted below.
Fidelity and Fidelity Investments are registered trademarks of 483A Bay Street Holdings LP. Used with permission. -
The value of Equitable Life’s EZcomplete online application for Pivotal Select
Necessity is the mother of invention. And COVID-19 has taken Equitable Life’s® EZcomplete® online application to the next level. Prior to the pandemic, EZcomplete was touted as being convenient and easy to use. Well, it is. But now…it is so much more.
Whether secure in an office or safe at home, EZcomplete’s non face-to-face capabilities include an alternative to physical verification. EZcomplete simply requires verification of ID using a third-party service provider. The third-party service provider completes the verification behind the scenes using information that was already required to complete an application. By removing the physical ID requirements, the ID verification process has been automated and simplified.
EZcomplete’s electronic signature functionality is also easy and secure. To enable a remote signature, your client just provides an e-mail address. Your client will receive a link and security code that you provide. The client enters the code, reviews the application and e-signs the documents.
Step by step directions ensure you have the right details without any confusing or unnecessary questions. Highlighted fields alert you to any missing information, eliminating any extra work or effort. The immediate processing also helps make it an attractive resource.
Whether selling segregated funds face to face or from the comfort of home, Equitable Life’s EZcomplete online application and Pivotal Select™ segregated fund line up provide the solution for even the most rattled and weary investor. Learn more, visit EquiNet or contact your Regional Investment Sales Manager.
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Secure your GIA with Equitable today!
In uncertain times, a Guaranteed Interest Account (GIA) is a safe and stable investment opportunity. Now is a great time to consider a GIA with Equitable®.
Equitable offers:
• market leading interest rates1, with higher rates for larger deposits;
• many account types, including the First Home Savings Account; and
• options to invest up to age 952.
“GIAs offer a number of benefits for investors, especially in times of market volatility.” said Cam Crosbie, Executive Vice President, Savings & Retirement. Equitable. “In uncertain times, let your investments be certain. Choose GIAs for guaranteed peace of mind and predictable returns, along with estate planning benefits, and potential creditor protection.”
GIAs are simple fixed-income investments that add value to a portfolio. Equitable GIAs provide competitive interest rates and protection from market volatility. For more information visit EquiNet® and don’t forget to register for our interest rate change alert email.
For more information or assistance, please contact your Director, Investment Sales.
1 Equitable has made every effort to ensure accuracy of competitive information. Accuracy is not guaranteed.
2 Some available term lengths may be limited starting at age 90.
Date posted: May 14, 2025 -
Sharpen your skills with Equitable’s Path to Invest summer learning modules
Want to stay ahead, bring more value to clients, and earn Continuing Education (CE) credits?
Equitable® now offers new online summer modules to help you grow your financial knowledge. These self-paced Path to Invest modules are available on our ON24 platform. You can learn on your own schedule and earn CE credits with ease.
Whether you want to boost your investment skills or have better client conversations, these courses are here to support your growth.
The first module, Index Investing, explores the basics of index investing, how it compares to active management, and how using indexes can help diversify client portfolios.
The second module, Saving for a Home with Equitable, equips you with strategies and tools to guide clients through the homebuying journey, including insights on savings vehicles, intergenerational wealth transfers, and mortgage planning.
Each course is approved by the Alberta Insurance Council and the Insurance Council of Manitoba. You will earn 1 CE credit for each course after passing the quiz.
Start learning today! Visit our Learning Centre to begin.
If you have any questions, reach out to your Director, Investment Sales. When we work together, success is mutual.
Continuing Education Credits
To be eligible for CE credits, you must register individually, watch the webcast in full and complete a short quiz. These webcasts are available in English only. It is the advisor's responsibility to ensure Continuing Education credits being offered are accepted by the licensing body. Alberta Insurance Council (AIC) credits are valid in Yukon, British Columbia, Alberta, Saskatchewan, Ontario, New Brunswick, Prince Edward Island and Nova Scotia. Insurance Council of Manitoba (ICM) credits are valid in Manitoba only.
Date posted: July 17, 2025 - [pdf] B2B Loan application process for Equitable Life of Canada
- [pdf] B2B Investment Loan Application Process
- EZcomplete Training and Resources