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1. [pdf] Daily/Guaranteed Interest Account Application - TFSA
2. Give the Gift of a Head Start
3. Let’s talk about Critical Illness insurance, the Equitable way. Having critical illness insurance benefits in an important time of need is so valuable. Get the right critical illness insurance coverage for your clients.
   
   In 2022, we made some significant updates to our EquiLiving® Critical Illness insurance plans to provide better choices and features for clients.
   
   These significant updates included:
   ●  The addition of Acquired Brain Injury as a covered condition
   ●  The addition of 20 pay options allowing more choice when choosing the right plan for your clients
   ●  The removal of the age restriction for juveniles to claim for Loss of Independent Existence
   
   Plus, a Canadian first, the addition of Cloud DX. Cloud DX is a value-added service that provides remote patient monitoring to claimants in addition to the full critical illness benefit paid by Equitable Life®. Cloud DX delivers medical grade hardware directly to the client so that Cloud DX can remotely monitor their vitals to help ensure they are on and stay on the road to recovery.
   
   
   
   
   
   View our new Critical Illness video on YouTube or Vimeo!
   
   With these updates and more, EquiLiving Critical Illness Insurance is there for clients, not only at time of their claim but also during their recovery. To learn more about Critical Illness insurance, the Equitable way, contact your local wholesaler.
    
   
   
   *Cloud DX is a non-contractual benefit and may be withdrawn or changed by Equitable Life® at any time. To be eligible for the Cloud DX offering, a claimant must be age 12 or older and have received payment on or after February 12, 2022 for a covered critical condition benefit under an individual critical illness insurance policy issued by Equitable Life. An early detection benefit payment does not qualify.   Equitable Life pays for 6 months of Cloud DX subscription fees.  If the claimant wishes to continue the Cloud DX service after 6 months, they will be responsible for the cost.
    
   ^® and ^TM denote trademarks of The Equitable Life Insurance Company of Canada.
    
4. Let’s “Talk Money”: Helping clients feel better about their finances This November is Financial Literacy Month, and the theme is simple but powerful: “Talk Money.” The goal is simple—get Canadians talking about money. When people open up about budgeting, debt, or financial stress, they feel more confident and less alone.
   
   Money and mental health are connected
   Many Canadians feel stressed about money. That stress can affect their mental health. As an advisor, you can help by starting honest conversations. When clients talk about their worries, they’re more likely to take action and feel better.
   
   How advisors can help
   You don’t need to be a therapist. Just listen, ask questions, and offer simple steps. Here are a few ideas:
   
    
   • Ask how clients feel about their finances.
   • Share stories of others who overcame money stress.
   • Celebrate small wins, like setting a budget or saving a little more.
   • Use Equitable’s online learning modules to equip yourself with knowledge to help support client goals.
   • Watch our on-demand webcast: How to stay grounded in a changing world: Supporting financial and mental well-being
   
   Let’s talk money
   Talking about money helps people feel stronger and more in control. This month, let’s help clients open up, take action, and build better habits—financially and emotionally.
   
   If you have any questions, feel free to reach out to your Director, Investment Sales.
5. Wrapping up 2025 with our new term rates!
   Among the most competitive in the market
   Equitable^® is wrapping up 2025 with our new term rates effective November 22, 2025. Many Canadians view life insurance as unaffordable, with 34% saying cost is the top reason they go without coverage.¹ Our new term rates are designed to help address these concerns. They offer flexible and affordable options to help clients get the protection they need.    
   ¹ Investment Executive at Survey finds affordability, lack of trust, barriers to buying life insurance | Investment Executive 
   
   What’s New:
   Updated premium rates for Term coverage, included on:
   • Term 10, Term 20 and Term 30/65 plans
   • Including Term Riders on Critical Illness (CI), Whole Life (WL), Equitable Generations^® Universal Life (UL) and Equation Generation^® IV Universal Life
   
   View our Transition Rules for all the details on processing your applications. 
   
   
    
    
   New term rate highlights*:
   *Effective November 22, 2025. Our term rates ranked among the best on LifeGuide when compared against top carriers in key markets.
   
   Check out our new term rates for yourself. Run quotes monthly (versus annually) for our best term rates.
   
   Contact your Equitable wholesaler today to learn more!
   
   
   
    
6. See how choosing Equimax Participating Whole Life can help Raj plan for his family’s future
   Raj wants to buy life insurance. He has wealth he’s grown over the years. He wants it to go to his family. He likes what participating whole life has to offer.
   
   By choosing an Equimax participating whole life insurance policy with Equitable Life, Raj gets permanent insurance coverage with tax-advantaged cash growth. His policy can also earn annual dividend payments.
   
   He learns about how his premiums go into a participating account and are invested. Some of that investment can come back to him as dividends.
   
   With Equitable Life, dividends are shared only with participating policyholders. This makes Equimax Participating Whole Life an easy choice for Raj.
   
   Watch our new Dividends with Equitable Life of Canada video to learn more. View on Vimeo or YouTube.
   
   
   
   
   
   
   You can use this video to send to clients before or after meetings to help them understand Dividends with Equitable Life.
   
   Plus, visit our Equimax product page, then click on the Marketing Materials tab for the latest Dividend marketing materials.
   
   Need more information? Please contact your local wholesaler.
   
   
   
   ^® and ^™ denotes trademarks of The Equitable Life Insurance Company of Canada.
   To learn more about our dividend policy and participating account management policy, please visit www.equitable.ca/en/already-a-client/dividend-information/
   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.
7. See why choosing EquiLiving Critical Illness Insurance is the right choice for Ayo’s family
   Ayo’s just returned from maternity leave. Her baby David and her husband are the most cherished people in her life. 
   
   But a neighbour’s cancer diagnosis leaves her wondering how she can protect her family if a serious illness were to affect them. 
   
   Learn why Ayo decided EquiLiving^_® Critical Illness insurance was the right choice for her family.
   
   Watch our new Critical Illness with Equitable Life of Canada video to learn more. View on Vimeo or YouTube.
   
   You can use this video to send to clients before or after meetings to help them understand the benefits of Critical Illness Insurance. Check out our prospecting letter, that you can personalize and send to your clients to tell them about Critical Illness Insurance. 
   
   Plus, visit our Critical Illness product page, then click on the Marketing Materials tab for the latest Critical Illness marketing materials.
   
   Need more information? Please contact your local wholesaler.
   
   
   
   View on Vimeo or YouTube.
   
   
    
   
   ^® and ™ denotes trademarks of The Equitable Life Insurance Company of Canada.
8. Making it easier to claim for Loss of Independent Existence for EquiLiving Critical Illness insuranc We have recently changed the definition of Loss of Independent Existence (LOIE). As a result, the Critical Illness claim criteria has also changed. Before, EquiLiving^® Critical Illness insurance coverage was issued with a definition of LOIE that required clients to have the total inability to do 3 of 6 Activities of Daily Living (ADLs). Now, clients will only need to give us proof of the total inability to do 2 of 6 Activities of Daily Living (ADLs) to submit a claim for LOIE. 
   
   This change makes it easier for clients to claim for this covered critical illness. This change is retroactive to February 2022.
   
   Clients will be sent a notice from us with a personalized endorsement from Equitable Life. This applies to their policy and forms part of their contract. We will approve claims for LOIE as outlined in the endorsement.
   
   LOIE is one of the 26 conditions named as a covered critical illness in an EquiLiving policy or Critical Illness insurance rider on an Equitable Life insurance policy. With a loss of independent existence, some activities of daily living can no longer be done on one’s own. This can happen because of a disease or an injury. 
   
   Want to learn more? See the marketing piece: Understanding the Covered Conditions (1248).  
   
   For more information, reach out to your local wholesaler.
   
   
   ^® denotes a trademark of The Equitable Life Insurance Company of Canada.
9. [pdf] Taking money out of your RSP?
10. Individual Insurance