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1. Spring update and dividend scale for 2025/2026
   Good news! The Equitable^® Board of Directors has approved continuing our current dividend scale for the period of July 1, 2025, to June 30, 2026.
   
   • The interest rate* we use to decide the dividend scale will stay at 6.40%.
   • Other factors used to decide the dividend scale will stay the same.
   • The interest rate for policies with dividends on deposit will stay at 3.50%.
   • The interest rate for most policy loans will stay at 6.50%. This applies to both new and existing policy loans, and automatic premium loans. It specifically applies to Equimax^® policies with a 9-digit policy number that starts with either "3" or "8". Older policies may have different loan rates as they are based on the prime interest rate.
   
   *The dividend scale interest rate (DSIR) is different from the participating account (PAR) rate of return. The DSIR smooths out the ups and downs of the participating account experience. The PAR rate of return is the return on the investments in the participating account over the calendar year.
   
   Need more information?
   • 2025 Advisor Dividend Scale Notice
   • 2025 Client Dividend Scale Notice
   • Dividend Information Page
   
   Did you miss our Spring Update & 2025 Dividend Scale Announcement?
   Watch it now:
   
     
2. EquiLiving offers more options to clients facing a covered Critical Illness condition Consider these statistics…1 in 2 Canadians will develop cancer in their lifetimes¹. They’re just numbers…until the day someone you know is diagnosed, someone who didn’t see it coming. Then it becomes very real - no longer incidence statistics, but costs. Today more people than ever are surviving and living with not only just the physical, but also the financial effects of their illness.
    
   We’re there to help when illness strikes
   
   NEW! EquiLiving® plans and riders have recently been enhanced including:
   
   ●  20 pay options with coverage to age 75 or coverage for life
   ●  Support from Cloud DX to help monitor a client’s well-being from treatment to recovery.
   ●  Added Acquired Brain Injury as a covered critical condition 
   ●  30-day survival period removed for all non-cardiovascular covered conditions
   ●  No age restriction to claim for Loss of Independent Existence (LOIE)
   ●  EquiLiving Benefit now pays the higher of the EquiLiving Benefit or the Return of Premium Rider Benefit (not including Return of Premium on Death)
   ●  And so much more …
   
   Learn more
   ●  CI product enhancement video
   ●  Visit our launch event page with product change details and more
   ●  Marketing Materials
   
   Please contact your Regional Sales Manager for more information. 
    
   1 www.cancer.ca
    
3. [pdf] G2 - Application for Change
4. [pdf] G3 - Application for Change
5. Summer is here and so is our new dividend scale

   Equitable’s Board of Directors has approved a new dividend scale for the period of July 1, 2024, to June 30, 2025.

   ● The interest rate* we use for the dividend scale will change. It will go from 6.25% to 6.40% on July 1, 2024.
   ● Other factors used to decide the dividend scale will remain the same.
   ● The interest rate for policies with dividends on deposit will change. It will go from 2.25% to 3.50% on July 1, 2024.
   ● The interest rate for most policy loans will remain at 6.50%. This applies to both new and existing policy loans, and automatic premium loans. It specifically applies to Equimax^® policies with a 9-digit policy number that starts with either "3" or "8". Older policies may have different loan rates as they are based on the prime interest rate.
   
   Learn more:
   ● 2024 Advisor Dividend Scale Notice
   ● 2024 Client Dividend Scale Notice
   ● Dividend Information Page 
   
   
   
   
   
   Did you miss our Spring update & 2024 Dividend Scale announcement? Watch it now: 
     
   (*The French and Chinese events will be partially in English, with sub-titles on screen).
   
   
   
   
   
   
   
   
   *The dividend scale interest rate (DSIR) is different from the participating account (PAR) rate of return. The PAR rate of return is the return on the investments in the participating account over the calendar year. The DSIR smooths out the ups and downs of the participating account experience.
6. Open doors with our updated CI & UL solutions! Have you heard the news? On October 8th, we rolled out several updates to our competitive Equitable^® product lineup—including our Critical Illness (CI) and Universal Life (UL) plans. 
   
   These updates are all about cost savings for clients and helping advisors like you grow your business. And the response has been fantastic!

   
   What’s new for CI and UL?

   1. Lower monthly costs for new EquiLiving^® critical illness (CI) policies paid monthly – hello savings!

   •    The monthly modal factor for CI decreased from 0.09 to 0.0867.
   •    The monthly policy fee decreased from $4.50 to $4.34.
   
   *Note:  EquiLiving premium rates and annual policy fees have not changed. 
   
   2. Lower monthly costs for UL policies with CI riders added – now it’s more affordable to add CI coverage when selling UL!

   
   
   Commissions got a makeover too

   Good news! Commissions on Term and EquiLiving CI policies are now calculated based on the total premium paid for the policy year—even if clients opt for monthly payments. No more annual premium commission calculations!
   
   Learn more! 
   
   Questions? Contact your Equitable wholesaler for all the details.
   
   Cheers to savings and growing your business with Equitable!
   
   
   
   
   
   ^® or ^TM denotes a trademark of The Equitable Life Insurance Company of Canada.

7. [pdf] EZtransact FAQ
8. [pdf] When it is time to convert your RSP to a RIF
9. [pdf] Cloud DX FAQ
10. [pdf] Daily/Guaranteed Interest Account Application - Registered/Non-Registered