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1. [pdf] Poster - What does your retirement bucket list include?
2. And the winners of Equitable’s Ring in the Savings Contest are…

   A big thank you for making Equitable’s Ring in the Savings contest a huge success.  
   
   Clients who made a contribution between January 1 and March 1, 2025, to their Registered Retirement Savings Plan (RRSP) or Tax-Free Savings Account (TFSA) or could win $5,000 and the advisor could win $1,000.
    
    We’ve now completed the draws and are thrilled to announce the following winners:

   • Client: C. F., British Columbia
     Advisor: Dylan D., British Columbia

   • Client: F. L., Ontario
     Advisor: Ted E., Ontario

   Congratulations to our winners!  
   
   From all of us at Equitable, thank you for your trust and partnership.

   Posted May 5, 2025
3. Commission schedule update We’re pleased to share that we’ve released a new and improved Commission Schedule (Schedule “A”), effective October 27, 2025.  
   
   What’ s new
   • The Commission Schedule (Schedule “A”) now includes all commission details, including FundSERV commissions.
   • The “FundSERV – Producer Commission Schedule (Schedule B)” document has been discontinued.
   • The schedule has been redesigned to offer greater clarity through plain language and improved structure.
   
   What hasn’t changed
   • There are no changes to any commission rates or provisions.
   If you have any questions, feel free to reach out to your appropriate Director of Investment Sales or Insurance Sales.
    
4. In case you missed it… read our life insurance as an asset class article

   
   Equitable in partnership Wayne Miller, BMATH, ASA

   
   The concept of viewing life insurance as an asset class only became mainstream in Canada 12 years ago, after Wayne Miller, BMATH, ASA, made the case for it in an industry magazine article.
   
   Has anything changed in the past decade? Does a mutual company vs. a stock company make a difference? Equitable has been collaborating with Wayne to provide an answer – which is provided in this follow-up article to his original piece.

   Read the Article now
   
               
   
   
    

   
   
   
5. [pdf] Pivotal Select Fund Facts
6. COVID-19 Group Benefits FAQ
7. Digital Payment Options for Your Client’s First and Subsequent Annual Payments for Individual Life a This article has been updated to reflect changes to the Pre-Authorized Debit (PAD) for new business annual premiums – see below #2.
   
   To enhance the ease of doing business with Equitable Life, we have added some additional payment methods to help your clients make their first and subsequent annual premium payments easily.
    
   Three digital payment options for annual premium payments:
   
      1. Online bill payment - Your client can pay their annual premium easily and quickly by using the online bill payment option through their financial institution. On your client’s banking website, they must set up “EQUITABLE LIFE-INDIVIDUAL LIFE & CI” as a “PAYEE”. Use the 9 (or 7) digit policy number as the “account number” then pay this new “bill”. This is the preferred option for annual payments.  
   
      2. Pre-Authorized Debit (PAD) - For policies where annual premiums are $2,500 or greater, your client now has the additional option of an annual PAD payment. Your client needs to provide a signed PAD authorization form, or a signed letter of direction that indicates they have read and agree to the terms of the PAD. This is a one-time authorization and needs to be repeated for subsequent annual payments.  
   
      3. Electronic Funds Transfer (EFT) or Wire Transfer - If online bill payment or a one-time PAD will not meet your client’s needs, such as when transferring funds from another financial institution or business to Equitable Life, and the annual premiums are $20,000 or greater, then an EFT is now an option that is available. A wire transfer is available on an exception basis only and is subject to approval.  
   
   Please contact your Regional Sales Team or customer service team for further questions.
    
8. Product Enhancements - 10 Pay Equitable Life has exciting product enhancements that will help you offer more options to clients. 
   
   Access our Virtual Product Launch NOW. Grab a coffee and get ready for this exciting news! Hear from our leaders and learn about our exciting product enhancements.
   
   NEW! 10 pay premium option with Equimax Estate Builder®
   • The new EquiLiving® 20 pay rider options will be available on Equimax® plans
   New Illustration software available on February 11, 2022 
   The updated illustration software will be available for download after 9 a.m. ET on Friday, February 11, 2022, and will include all the Equimax and EquiLiving enhancements.
   
   See the Equitable Sales Illustrations Update for information on how to download the software or check for updates. 
   
   Please review updates to the commission schedule A for these new enhancements.
   
   Learn more
   • Transition rules are available
   • Watch our virtual launch event video now! (Approx. 20 minutes)
   • Watch our product launch intro video here
   • Visit our launch event page with product change details and more here
   • Marketing Materials
   Get ready to make 2022 your best year yet for your sales! 
   
   Please contact your Regional Sales Manager for more information. 
9. Summer is here and so is our new dividend scale

   Equitable’s Board of Directors has approved a new dividend scale for the period of July 1, 2024, to June 30, 2025.

   ● The interest rate* we use for the dividend scale will change. It will go from 6.25% to 6.40% on July 1, 2024.
   ● Other factors used to decide the dividend scale will remain the same.
   ● The interest rate for policies with dividends on deposit will change. It will go from 2.25% to 3.50% on July 1, 2024.
   ● The interest rate for most policy loans will remain at 6.50%. This applies to both new and existing policy loans, and automatic premium loans. It specifically applies to Equimax^® policies with a 9-digit policy number that starts with either "3" or "8". Older policies may have different loan rates as they are based on the prime interest rate.
   
   Learn more:
   ● 2024 Advisor Dividend Scale Notice
   ● 2024 Client Dividend Scale Notice
   ● Dividend Information Page 
   
   
   
   
   
   Did you miss our Spring update & 2024 Dividend Scale announcement? Watch it now: 
     
   (*The French and Chinese events will be partially in English, with sub-titles on screen).
   
   
   
   
   
   
   
   
   *The dividend scale interest rate (DSIR) is different from the participating account (PAR) rate of return. The PAR rate of return is the return on the investments in the participating account over the calendar year. The DSIR smooths out the ups and downs of the participating account experience.