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  1. You're invited: Spring update & 2026-27 dividend scale announcement

    You’re invited to our annual spring update. Hear directly from Individual Insurance leaders on the updates that impact your business, including the 2026–27 dividend scale announcement.

    In this session, you will:
    • Get important updates fast: get all the highlights, in about 20 minutes, and what they mean for your practice.
    • Stay on top of what’s new: learn about the latest updates in Individual Insurance and how to position them with clients.

    Please join us and don’t forget to add it to your calendar.
    When:   Thursday May 14, 2026
    Time:     1:00 pm - 1:20 pm EDT
    Where:  Virtually

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  2. [pdf] Participating account executive summary
  3. Video library
  4. About
  5. Dividend Withdrawals and Change and Premium Offset
  6. The top individual insurance marketing materials! In 2025 there were five marketing pieces that advisors turned to most. If you haven’t seen them yet, now’s your chance to catch up. We want to help you connect with clients. These materials help make important topics easy to explain.

    Top five individual insurance marketing materials:
    1. 1024 Guide to individual underwriting. This guide shows how medical and non-medical conditions can affect insurance approvals.
    2. 1038 Understanding participating whole life. Explains Equimax® participating whole life insurance. It also discusses the Participating Account, how dividends are calculated, and how they can impact a policy.
    3. 1343 Evidence of insurability. Includes a chart showing the underwriting rules for life insurance products.
    4. 1530 Temporary resident underwriting guidelines. This is a list of the documents temporary residents need when applying for individual insurance.
    5. 1505 Dividend scale interest rate 30-year historical performance. This chart shows Equitable’s dividend scale interest rate history. It also compares our dividend scale rate to other major economic indicators.

    For a list of all our marketing pieces visit our marketing materials page on EquiNet.

    Have further questions? Your Equitable Wholesaler is here to help!
  7. Equitable’s DSIR leads the way
    Equitable® offers a 6.40% dividend scale interest rate (DSIR) – the best in our industry1. But our DSIR is only one of the many benefits of choosing Equitable!

    Why choose Equitable?
    • Equitable proudly leads the way: We are the #1 seller of PAR whole life policies in Canada2!
    • Our top DSIR: Helps clients save for the future and builds lasting value.
    • Our Canadian heritage: Established in 1920, we are 100% Canadian-owned, based in Canada and dedicated exclusively to serving the needs of the Canadian market.
    • Our financial strength & growth momentum: We invest with care, keeping clients’ savings safe and growing over time.
    • Our mutuality: As a mutual, our clients come first – and eligible clients share in our success through dividends3.
    • Our service & support: We offer great service, easy-to-use digital tools, and support at every step, making Equitable a trusted choice for clients and advisors alike.

    In client meetings, be sure to share these outstanding benefits with clients. Doing so can demonstrate real value and boost your sales.

    Questions? Reach out to your Equitable wholesaler or visit EquiNet. We’re ready to help you succeed.

    Resources:
    The Power of Together (Video)
    5 Reasons to choose Equitable (1271)
    Dividend Scale Announcement - 2024/2025

    1 Source: Latest posted DSIR data on competitor websites – 2025.
    2 Source: LIMRA – Canadian Individual Life Insurance Sales Participant Report - Q4 2024.
    3 Dividends are not guaranteed and are paid at the sole discretion of the Board of Directors. To learn more about our dividend policy and participating account management policy, please visit www.equitable.ca/en/already-a-client/dividend-information/
     
  8. NEW MARKETING MATERIAL! Equimax Participating Whole Life, Strong and Stable Dividends Participating whole life policyholders can get some of the participating account earnings back as dividends.1

    Dividend scales change over time. This new marketing piece shows how the actual values of policies look like against those that were estimated. It looks at two sample policies and compares them to the original sales illustrations. One example shows an Equimax Estate Builder® policy. The other example shows an Equimax® Wealth Accumulator® policy.

    We are proud of our strong and stable dividend results. We have paid dividends to our participating policyholders every year since 1936. And we’re still going strong!

    We want to make sure that we can continue to provide long-term income and growth to support the dividend scale and meet the product guarantees. We do this with constant focus on how we invest and manage risk to support the participating account.

    As a mutual life insurance company, we are owned by our policyholders who count on us and our services. Their trust in our knowledge, experience, and financial strength helps us keep our commitments to them—now and in the future.

    Dividend scales may change.2 But with a balanced approach, Equitable Life’s Equimax® Participating Whole Life continues to deliver excellent value. It gives guaranteed life insurance protection with the potential for earnings.

    Want to learn more? Check out our new marketing piece: Equimax Participating Whole Life, Strong and Stable Dividends (2075).

    For more information, reach out to your local wholesaler.
     
     

    ® and TM denote trademarks of The Equitable Life Insurance Company of Canada.
    1 Dividends are not guaranteed and are paid at the sole discretion of the Board of Directors. Dividends may be subject to taxation. Dividends will vary based on the actual investment returns in the participating account as well as mortality, expenses, lapse, claims experience, taxes, and other experience of the participating block of policies.
    2 If low interest rates continue, investment returns will be lower, and this may mean decreases in the dividend scale in the future. Dividend payments are not guaranteed, but they will never be negative.
  9. Chinese Markets
  10. Individual insurance video library