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1. [pdf] How to access in-force illustrations
2. How first-time homebuyers are sourcing their down payments Did you know that the primary sources for down payments among first-time homebuyers* are:
   • Savings outside of a RRSP (59%)
   • Gifts (38%)
   • Savings within a RRSP (31%)
   
   While 71% of potential first-time homebuyers in Canada are aware of the First Home Savings Account (FHSA), only 33% of them are taking advantage*.
   
   Equitable wants to help first-time homebuyers take advantage of all the benefits a FHSA has to offer. Clients who contribute to an Equitable FHSA between May 1 and September 30, 2025 will be entered into our Close to Home contest, for a chance to win one of two $8,000 prizes. Whether opening a new Equitable FHSA or making an annual contribution, this is a fantastic opportunity to help clients get closer to owning a home.
   
   Advisors, your efforts matter too! You have a chance to win a $1,000 prize if the client you are assisting, in alignment with their unique homeownership needs, is selected as a winner. At Equitable, we believe that when we grow together, success is mutual.
   
   Don’t forget about Equitable’s user-friendly online application, EZcomplete^®, or online transaction platform, Equitable’s EZtransact^®. These tools are fast, simple, and could bring clients closer to achieving their goals.
   
   Want to learn more? Speak to your Director, Investment Sales.
   
   *Source: 2024 CMHC Mortgage Consumer Survey
   Equitable’s Close to Home Contest: No purchase necessary. Contest period May 1, 2025 to September 30, 2025.  Clients enter by making a deposit to an Equitable FHSA during the contest period or by submitting a no-purchase entry. Two prizes of $8,000 CAD each to be drawn on October 15, 2025 will be awarded. The servicing advisor for the policy to which the selected entrant made the deposit is also an eligible winner and will receive a $1,000 CAD prize. For example, if an Equitable client is a winner of the $8,000 prize, the client’s servicing advisor wins a $1,000 prize.  Open to legal residents of Canada of the age of majority. Odds of winning depend on number of eligible entries received during the Contest Period.  For full contest rules, including no-purchase method of entry, see the full contest rules. 
   
   Date posted: August 14, 2025
3. Celebrating our most popular Pivotal Select funds

   In August 2022, Equitable^® launched 12 new segregated funds in Pivotal Select’s Investment Class (75/75). We wanted to bring some new innovative solutions to the product, including six sustainable investment funds. To say the launch of these funds was successful would be an understatement.
   
   The funds are quickly becoming some of the most popular funds in Pivotal Select™, and their performance in 2023 was impressive. Equitable wants to celebrate these funds and encourage clients to consider them for their portfolios.
   
   As of February 29, 2024, nine out of the 12 funds received a 1st quartile ranking for their 1-year return and two more were 2nd quartile. The table below shows the new funds that ranked in the top two quartiles for their 1-year returns.

   
   

   Access additional fund performance information
   
   If you haven’t looked at these funds yet, now is the time. Speak to clients about their investment options and see if these funds fit within their investment portfolio.
   
   Talk to your Director, Investment Sales today for more information.

    

   Disclaimer

   Any amount that is allocated to a segregated fund is invested at the risk of the contractholder and may increase or decrease in value. Segregated fund values change frequently, and past performance does not guarantee future results. Investors do not purchase an interest in underlying securities or funds, but rather, an individual variable insurance contract issued by The Equitable Life Insurance Company of Canada. There are risks involved with investing in segregated funds. Please read the Contract and Information Folder before investing for a description of risks relevant to each segregated fund and for a complete description of product features and guarantees. Copies of the Contract and Information Folder are available on equitable.ca.

   Management Expense Ratios (MERs) are based on figures as of February 29, 2024, and are unaudited. MERs may vary at any time. The MER is the combination of the management fee, insurance fee, operating expenses, HST, and any other applicable non-income tax for the fund and for the underlying fund. For clients with larger contract values, a Management Fee Reduction may be available through the Preferred Pricing Program. For details, please see the Pivotal Select Contract and Information Folder.

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

    

   Posted April 18, 2024 

4. [pdf] Guide to MGA contracting
5. Navigating the current market
6. 100 years strong

   As COVID-19 continues, we want to reassure you that Equitable Life remains financially strong and committed to supporting our clients.

   We are financially strong and stable

   Our commitment to your health, wealth and overall well-being remains unchanged. This global pandemic has impacted the way we do business, but we continue to focus on our strategic goals while meeting the needs of Canadians. These three factors speak to our financial strength and stability:
   
   • Equitable Life has a global credit rating of ‘A’ with a positive trend from DBRS Morningstar in recognition of our ability to adapt to the current business environment and prudent risk profile;
   • We are maintaining our current dividend scale for the period July 1, 2020 to June 30, 2021; and
   • Our Life Insurance Capital Adequacy Test (LICAT) ratio remains well above our goal and the minimum that is required at 152.5% at the close of the first quarter.We pride ourselves on our customer service
   
   Being recognized for its service culture across all lines of business is a point of pride for a company that includes ‘customer focus’ as one of its three corporate values. In 2019, our dedication to customer service was recognized with these outstanding survey results, proving we have the We have the knowledge, experience and ability to find solutions that work for you:
   • Equitable Life ranked in the top quartile for segregated fund service in 2019 survey of advisors and MGAs¹ ;
   • In a 2019 survey of customers from 15 life insurance companies,² Equitable Life ranked #1 on the Net Promoter Score, a measure used across industries to gauge the loyalty of a firm's customer relationships; and
   • A survey of Group consultants, brokers and third-party administrators ³ ranked Equitable Life in the top two insurers across all categories.

   We have adjusted our business to become digital

   Since the pandemic began, our IT and operations teams have digitally enhanced more than 20 different processes and services to make it easier for us to integrate with our distribution partners in this new reality. Our sales and customer service teams remain open and available to support you and your customers.

   
   We are here with you and for you

   • To commemorate our 100^th Anniversary this year, we donated $4.5 million to purchase and install a new MRI for Grand River Hospital and, as part of our Equitable Gives Back Contest, we donated $50,000 –  $10,000 each – to five charities in British Columbia, Alberta, Manitoba, Ontario and Quebec. As well, we are celebrating by randomly selecting policyholders to receive a $100 and three grand prizes. For more information about our celebrations, check out our website at www.equitable100.ca.
     
     As the global situation continues to evolve, rest assured that Equitable Life is unwavering in our commitments to you and the communities we serve. We are here with you and for you.
   ¹ Life Ops Consulting Group Distribution Service Satisfaction Surveys 2015-2019, Independent Advisors
   ²  LIMRA CxP Customer Experience Benchmarking Program, Life Insurance In-Force Experience 2019
   ³ NMG Consulting’s Canadian Group Benefits Survey 2019
    
7. [pdf] Daily/Guaranteed Interest Account Contract
8. EZcomplete Non-Face-to-Face enhancement

   
   An EZ way to conduct your out-of-town business

   You asked for it, we built it: a solution for your non face-to-face business. EZcomplete^® allows you to conduct your non face-to-face business easily and quickly with your clients providing their signature remotely on their own device.

   How does it work?

   EZcomplete walks you through the electronic signature process. EZcomplete allows your clients to sign remotely using their own device for non-face-to-face applications. You only need to enter their email address and provide them with a secret passcode to securely access the documents to review and sign.

    Just another reason to do business with Equitable Life^® 

   EZcomplete makes it easy to process your non-face-to-face applications and do business with Equitable Life. 

   Login to EquiNet® and click on the EZcomplete icon on the menu bar

    

   ^® denotes a trademark of The Equitable Life Insurance Company of Canada.

9. We hear you. Equitable Life was ranked #1 for overall segregated funds service performance*. Each year, Life Ops Consulting Group conducts an independent survey of financial advisors to find out
   how satisfied advisors are with the service they receive from life insurance companies in Canada. Since 2015, Equitable Life^® has received top marks in overall segregated funds service performance, new business processing, fund/policy statements and post-sales service.
   
   Equitable Life was ranked #1 for overall segregated funds service performance^*
   
   We would like to take this opportunity to thank each of you that took the time to participate in this survey. We are proud of the service that we provide and are committed to listening to what advisors want and need to run their business. We work hard to earn your trust and will do what it takes to keep it.
   
   Thank you.
    

   * Life Ops Consulting Group Distribution Service Satisfaction Survey 2019
   ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.

   
    
10. Online sales illustrations

    Providing you flexibility while on the go. 

    We know how important it is to have tools that provide flexibility and convenience when managing your business. That’s why we created web-based sales illustration tools for easy access. You can create a Term, Critical Illness, Whole Life or Universal Life client illustrations from anywhere, anytime!
    
    Useful Features:
    • Save illustrations directly to your dashboard. You can revisit, edit, or complete them whenever you want.
    • Our Term and Critical Illness illustrations integrate with EZcomplete^®. This means you can move from illustration to application easily, with most fields in the first step filled in automatically.
    
    Our web-based tools put everything at your fingertips, so you can keep your business moving while on the go. This is just one of many ways we’ve made it easier to do business with Equitable^®.
    
    Try running an illustration today!
    
    If you have any questions, please reach out to your Equitable Wholesaler.