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Save time on your DIA/GIA applications with EZcomplete
Save time on your Daily Interest Account and Guaranteed Interest Account applications with Equitable’s EZcomplete^®. Recently launched on Equitable’s electronic application platform, EZcomplete takes the hassle out of completing applications.

EZcomplete applications are available for:
• Daily/Guaranteed Interest Accounts
•   Pivotal Select^™ segregated funds
•   Equitable Generations^™ universal life insurance
•   Equimax^® participating whole life insurance
•   EquiLiving^® critical illness insurance

Did you know:
•   Applications settle faster due to significantly fewer “NIGOs” (not in good order).
•   The electronic signature process is seamless, and ideal for in-person or remote applications.
•   EZcomplete delivers point-of-sale materials directly to clients.
•   Only the relevant sections display, reducing complexity, and simplifying the application process.

Just another reason to do business with Equitable. Go online today! Log in to EquiNet^® and click on the EZcomplete icon on the menu bar.

Date posted: October 8, 2024
November is Financial Literacy Month
Equitable^® wants to mark Financial Literacy this November. Created by the Financial Consumer Agency of Canada (FCAC), the campaign this year is “Money on your Mind. Talk about it!”

The FCAC is challenging Canadians to do one thing to boost their financial confidence. One of those things includes asking questions to a trusted financial advisor. That’s, you! Be ready this year to answer anything from retirement savings, home ownership, annuities, estate planning, Daily and Guaranteed Interest Accounts, segregated funds and more.

Need help? Contact your Director, Investment Sales to get started. At Equitable, we believe in the power of together.

Have questions about the upcoming tax season or need tips to help manage and grow your business? If you missed our recent webcast with our Operations and Digital Experience teams, click here to learn more.

^® and ™ denote trademarks of The Equitable Life Insurance Company of Canada.

Posted November 5, 2024
Critical Illness Path to Success Program
IMPORTANT NOTICE: FUNDS WITH DEFERRED SALES CHARGE OPTIONS
The Canadian Council of Insurance Regulators require all insurance companies to discontinue the sale of segregated funds with Deferred Sales Charge (DSC) effective June 1, 2023*.

PIVOTAL SELECT™ SEGREGATED FUND PRODUCTS

On May 29, 2023, funds with a DSC or Low Load (LL) sales charge option will be allocated to the No Load (NL) sales charge option of the funds available within the policy.
- Any existing amounts held in DSC or LL funds will retain the existing DSC schedule, outlined in the client’s contract. The annual 10% available (20% for RIF policies) for withdrawal without fees continues to apply through to the expiry of the fee schedule.
- If the default deposit instructions and/or pre-authorized scheduled deposits the client previously provided include funds with DSC or LL, these instructions will automatically update to NL of the same fund for all future deposits.
In alignment with Equitable's current administrative rules, if the client has DSC or LL funds, the client will not be able to deposit No Load Chargeback funds (NL-CB and NL-CB5) within the same policy.

For more information, please click here.

LEGACY SEGREGATED FUND PRODUCTS

Ongoing deposits to DSC funds continue when a segregated fund product does not have an alternative sales charge option available within the contract. This applies to the following products:
- Personal Investment Portfolio
- Pivotal Solutions II
- Pivotal Solutions DSC
Clients may continue to make new deposits to the DSC funds within the policy. Any new segregated fund deposits, as well as any existing segregated fund amounts within the policy, will retain the DSC schedule outlined in the contract.

For more information, please click here.

Equitable's Advisor Services Team is available Monday to Friday, 8:30 a.m. – 7:30 p.m. ET at 1.866.884.7427 or by email at savingsretirement@equitable.ca. You can also contact your Regional Investment Sales Manager.

*Draft regulation in Quebec is currently under review which may affect Equitable Life’s approach for clients in the Province of Quebec with legacy segregated fund products. We will continue to monitor provincial regulatory developments.

™ or ® denote registered trademarks of The Equitable Life Insurance Company of Canada.

Date posted: May 4, 2023
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.
About
Did you miss our Equimax update in December?
Equimax – a better and stronger solution!

Discover the latest Equimax updates

Great news! We’ve made further updates to our Equimax^® insurance solution to better serve clients.

Here are some of the changes:

● A new guaranteed 10 pay premium option for Equimax Wealth Accumulator^®.
● You can now add an Excelerator deposit option (EDO) on Equimax Estate Builder^® and Wealth Accumulator plans with a 10 Pay premium option (term rider not required at issue of the policy).
● We increased our flexibility with EDO. This will make it easier for clients to stop and start EDO contributions without losing their maximum approved contribution room. On top of that, these changes will apply to all inforce policies. A single set of EDO rules will apply to every Equimax policy whether it’s issued tomorrow or 10 years ago, making it simpler to help clients manage their policies.
● We increased the maximum amount of Equimax coverage that can be applied for without a special quote from $20M to $25M.

Equimax is now an even better and stronger solution. For a full breakdown of these product updates visit our splash page.

*Video available in English with French and Chinese sub-titles.

Please refer to our Transition Rules for all the details on processing your applications.

Need more information? Please contact your Equitable wholesaler.
Understanding debt: A key to building wealth Why debt matters in wealth conversations
Debt is part of life for many Canadians. But not all debt is the same. As an advisor, you can help clients understand their debt and how to manage it. This is key to building wealth and confidence. Financial Literacy Month is a great time to “Talk Money.”

Types of debt¹
- Secured: This is backed by something the client owns, like a house or car. Its cost of borrowing or interest rate is usually lower.
- Unsecured: This includes credit cards and personal loans. These debts have no asset behind it and often cost more.
- Revolving: These are like credit cards. The balance owing can carry over to the next month.
- Installment: These are like car loans. Clients pay a set amount each month.
Helping clients manage debt
- Pay off high-interest debt first: Credit cards are often a good place to start.
- Consolidate: One lower-interest loan payment can replace many.
- Make a budget: Include debt payments and savings.
- Use insurance-based investments: Segregated funds and Daily/Guaranteed Interest Accounts offer protection and guarantees. These can help clients manage risk while growing wealth.
Why reducing debt matters
Less debt can mean more financial freedom. Clients can save more, stress less, and plan better for retirement. It also helps them leave a financial legacy.

Your role as an advisor
You do more than sell products. You guide clients to make smart choices. Use this article to start a simple, clear conversation about debt—and how Equitable Individual Wealth solutions might fit into their overall financial picture.

Talk to your Director, Investment Sales today for more strategies to help clients with debt.

¹ Source : ARC, 2025-03-28
Advisor Guide

Paramedicals are Re-opening Shortly We are pleased to announce that face-to-face insurance testing paramedical services, including the collection of vitals & fluids, are resuming shortly. Our service providers, Dynacare and ExamOne, have been monitoring the public health standards and have established standards they will operate under to protect the health of both the applicant and health professionals.

Our commitment to your client’s safety
It is Equitable Life's commitment that both clients and advisors will be provided clear and thoughtful communication before initiating any testing. Clients should fully understand the potential risks associated with having a paramedical test taken at this time and are always able to choose not to attend the appointment if they do not feel comfortable or safe.

How will paramedical services be conducted?
Dynacare is conducting appointments at fixed site facilities where clients will travel to the health professional for their appointment. The paramedical questions will be covered by video or telephone to minimize the time spent in the fixed site facility. For more information, see Dynacare’s COVID-19 client guide that will be provided to the client directly.

ExamOne examiners will travel to the client’s home for their appointment and the entire paramedical will be conducted at that time. Information about ExamOne’s COVID-19 processes and their Preparing for my exam client guide will also be provided to the client directy.

When are paramedical services re-opening?
In person paramedical services for Equitable Life cases will begin opening gradually. We have worked closely with our service providers, the CLHIA & provincial governments and believe it is prudent to begin re-opening services in the provinces that have a lower incidence of COVID-19. We will expand the schedule as the incidence of COVID-19 lowers or is expected to lower in specific regions.

Please note if you had an order in process prior to services shutting down, the provider will be looking to re-open and complete those orders. If requirements are no longer needed given the non-med limit changes, the order will remain closed.

Schedule for re-opening paramedical services:

Province	Start Date
Saskatchewan	June 1-Dynacare, June 11-ExamOne
New Brunswick	June 8-Dynacare, June 11-ExamOne
PEI and Newfoundland	June 15, Dynacare and ExamOne
Manitoba	June 15, Dynacare and ExamOne
Alberta	June 18, Dynacare and ExamOne
British Columbia	June 22, Dynacare and ExamOne
Nova Scotia	June 22, Dynacare and ExamOne
Ontario*	By June 30, Dynacare and ExamOne
Quebec *	By June 30, Dynacare and ExamOne

Note: Start dates are subject to change based on the progress of COVID-19.

*Ontario & Quebec to re-open regionally (starting with areas with lower incidence of COVID-19). Specifics for Ontario and Quebec will be communicated closer to the implementation dates for these provinces. Further details can be found in this communication.