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1. [pdf] Investment Direction - Equitable GIF
2. Individual Insurance
3. Let’s “Talk Money”: From first savings to retirement income
   Financial Literacy Month may be ending, but the conversation shouldn’t.
   
   Talking with an advisor helps normalize money conversations— including discussions on saving, spending, managing debt, and more. This can help clients feel better and make smarter financial choices. As an advisor, you can guide clients from their first savings through to retirement with Equitable^® .
   
   Starting out? Clients can consider:
   Tax-Free Savings Account (TFSA)
   Save for short- or long-term goals and take out money anytime, tax-free.
   
   First Home Savings Account (FHSA)
   Save up to $40,000 tax-free for a first home. Contributions may be tax-deductible, and withdrawals are tax-free for buying a qualifying home.
   
   Growing wealth? Clients can consider:
   Registered Retirement Savings Plan (RRSP)
   Contributions may be tax-deductible. Good for long-term savings—money grows tax-free until retirement.
   
   Guaranteed Interest Account (GIA) / Daily Interest Account (DIA)
   Earn steady interest with flexible terms. Available in a TFSA, RRSP, and FHSA.
   
   Retirement ready? Clients can consider:
   Payout annuities
   Guaranteed income for life or a set time. Helps make sure savings last.
    

   Resources to support these conversations

   
   Use our easy online tools: EZcomplete^®  to apply and EZtransact™ for transactions. Let’s help Canadians save smarter—one step at a time. When we work together, success is mutual.
   
   Reach out to your Director, Investment Sales if you have questions.
4. 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!
   
   
   
    
5. Login information for current advisors
6. EZ Upload
7. Welcome Fidelity to Equitable Life’s Pivotal Select segregated funds lineup
   Equitable Life^® is pleased to welcome Fidelity to its Pivotal Select™ segregated funds lineup.
   • Equitable Life Fidelity^® Special Situations Fund Select
   • Equitable Life Fidelity^® Tactical Asset Allocation Income Portfolio Select
   • Equitable Life Fidelity^® Tactical Asset Allocation Balanced Portfolio Select
   • Equitable Life Fidelity^® Tactical Asset Allocation Growth Portfolio Select

   These new funds are available on all the Pivotal Select load types and guarantee classes, providing you and your clients with even more choice and flexibility.
   
   To learn more about Fidelity, click here. To learn more about the funds, click here.
    
   Speak to your Regional Investment Sales Manager today about Equitable’s segregated fund lineup.
    
    
    
    
    
    
   Equitable Life and Pivotal Select are trademarks of The Equitable Life Insurance Company of Canada.
   Fidelity and Fidelity Investments are registered trademarks of 483A Bay Street Holdings LP. Used with permission.
   
    

8. Recent Updates
9. Video library
10. We want to hear from you! We’re building the Equitable Listens^TM advisor community and invite you to join!
    
    What’s in it for me?
    
    
    
    How do I join?
    
    It’s simple. Click on your invitation link below to get started, answer a few questions then confirm your email and you’re in!
    
    
    
    Thank you,
    The Equitable Listens Team
    
    
    This advisory panel is for research purposes only. Your email address will only be used to invite you to participate in studies or to share study results with you. This community is currently in English only.