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  1. The top five benefits of choosing the 10-pay premium option As part of our December 2024 Equimax® update, we launched a new guaranteed 10-pay premium option for Equimax Wealth Accumulator®. This option is a great way for clients to fund their life insurance policy.

    The top 5 benefits of the 10-pay premium option:

    1. Short Payment Period: After just 10 years, the policy will be completely paid-up, and clients won’t have to make any more payments while still having coverage.
    2. Growing Cash Value: By completing payments in a shorter time, clients can see their cash value grow faster. They can later access this value through policy loans or cash withdrawals if needed.
    3. Level Premiums: The premiums for the 10-pay option stay level over time. This makes it easier for clients to budget.
    4. Estate Planning: A fully paid-up life insurance policy can be a great planning tool for clients who want to leave a legacy for their loved ones.
    5. Tax Benefits: The cash value in a whole life policy grows tax-deferred, and the death benefit is paid out tax-free to beneficiaries.

    To learn more about our Equimax 10 pay premium option, visit our splash page:

    English-Button.png    French-Button.png    Chinese-Button.png

    Need more information? Contact your local Equitable wholesaler with any questions.


    ® or TM denotes a trademark of The Equitable Life Insurance Company of Canada.
     
  2. Do clients imagine owning a dream home?


    We’re here to help make that happen! Clients who contribute to a First Home Savings Account between May 1 and September 30, 2025, will be entered for a chance to win an incredible $8,000 in our Close to Home contest. Whether opening a new account or making an annual contribution, this is a golden opportunity to help them get one step closer to homeownership.

     

    Advisors, Your Efforts Matter Too! By guiding clients towards their homeownership dreams, you’ll be entered to win $1,000 as a special thank you for your dedication and support. At Equitable®, we believe that when we grow together, success is mutual.



    Don’t Miss Out! Enter today using Equitable’s user-friendly online application platform, EZcomplete®, or process an online transaction with ease using Equitable’s EZtransact®. It’s fast, simple, and could bring clients closer to their dream home.

     

    Want to learn more? Speak to your Director, Investment Sales, and help clients take the first step towards making homeownership a reality.

     

    Equitable’s Close to Home Contest: No purchase necessary. Contest period May 1, 2025, to September 30, 2025.  Enter by making a deposit to an Equitable FHSA during the contest period or by submitting a no-purchase entry. Two prizes for a total value of $8,000 CAD 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. 

  3. Equitable receives FundGrade A awards for outstanding performance Equitable® is thrilled to announce that several of our funds have received Fundata FundGrade A awards for their exceptional performance in the first half of 2025.

    The FundGrade rating system is a great tool for identifying top-performing funds. This recognition highlights our commitment to providing high-quality investment options to clients.

    And the winners are…
    The following funds from Equitable's lineup have received a FundGrade A rating this year:

    Pivotal Select:
    Personal Investment Portfolio/Pivotal Solutions:
    • Equitable Life Invesco Global Bond Fund


    An enhanced fund performance page
    Equitable has also introduced several new features to our fund performance page to enhance user experience. These updates include:
    • Printable performance reports: Easily accessible and printable reports for detailed fund performance.
    • Equity and Fixed Income breakdowns: Detailed breakdowns by fund displayed on the Fund Details tab.
    • Fund Category display: Clear display of fund categories on the Fund Details tab.
    • Filter enhancements:
      • New “Risk Rating” filter.
      • New “U.S. Equity” filter.
      • Renamed “Domestic Equity” to “Canadian Equity”.
      • Moved “Index Funds” and “Portfolio Solutions” out of asset class filters into “Additional filters”.

    For more information on these funds and their performance, and to see the latest enhancements, visit our Fund Performance page.

    Questions? Contact your Director, Investment Sales.

    FundGrade A is used with permission from Fundata Canada Inc., all rights reserved.
    Date posted: June 10, 2025
  4. Anti-money laundering legislation changes for Savings & Retirement forms and applications
    To comply with the Government of Canada’s anti-money laundering legislation and FATCA/CRS changes, Equitable Life® has updated its Savings and Retirement forms and applications. New online forms and applications are available to download from EquiNet®. Paper applications are also available to order from Equitable’s Supply Team. For a complete list of all forms and applications affected by the anti-money laundering legislation, refer to Anti-money Laundering Legislation Requirements Summary.
     
    What should I do if I have existing paper applications?
    If you currently have paper applications (Form #1383, #1384, #799, #355) with a version date that is before April 2, 2021, Equitable Life will continue to accept them, with the caveat that additional information may be required from you and your client to comply with anti-money laundering legislation.
     
    How long can I use my existing paper applications with a version date before April 2, 2021?
    Paper applications (Form #1383, #1384, #799, #355) with a version date prior to 2021/04/02 (located on the back page and in the bottom right-hand corner of the application) will no longer be accepted after July 1, 2021. If you have applications with a date that is before 2021/04/02, please destroy them and use the fillable/savable PDF on EquiNet. You can also order paper applications from our Supply Team.
     

    Want to be sure you always have the most up-to-date application? Try our EZcomplete® online application platform. EZcomplete makes it easy to process your non face-to-face applications and allows your clients to provide their signature remotely on their own device.
     
    To learn more about the Government of Canada’s anti-money laundering legislation and FATCA/CRS review the following links.
     
    Government of Canada - Guidance on the Common Reporting Standard
    Financial Transactions and Reports Analysis Centre of Canada
     
    If you have any other questions, contact your Regional Investment Sales Manager.
     
    ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.

     
  5. [pdf] myFlex Options Guide
  6. eDelivery of a Contract - New Business
  7. Product Enhancements - 10 Pay Equitable Life has exciting product enhancements that will help you offer more options to clients. 

    Access our Virtual Product Launch NOW. Grab a coffee and get ready for this exciting news! Hear from our leaders and learn about our exciting product enhancements.

    NEW! 10 pay premium option with Equimax Estate Builder®
    • The new EquiLiving® 20 pay rider options will be available on Equimax® plans
    New Illustration software available on February 11, 2022 
    The updated illustration software will be available for download after 9 a.m. ET on Friday, February 11, 2022, and will include all the Equimax and EquiLiving enhancements.

    See the Equitable Sales Illustrations Update for information on how to download the software or check for updates. 

    Please review updates to the commission schedule A for these new enhancements.

    Learn more Get ready to make 2022 your best year yet for your sales! 

    Please contact your Regional Sales Manager for more information. 
  8. This year’s RSP contribution deadline is March 1, 2023


    The RSP deadline is fast approaching so whether you are using paper or EZtransact™ here are some important things to remember.

    Issuing New Policy with EZcomplete®

    • All online applications must be digitally signed and submitted and have a date stamp no later than March 1, 2023.


    Issuing New Policy using Paper Application

    • For contributions to qualify for the first 60 days, all paperwork must be completed and signed by March 1, 2023. Equitable Life must receive all paperwork by March 7, 2023.



    Deposits to Existing Policy

    • Advisors can setup a one-time or recurring deposit or edit an existing pre-authorized debit already in place using EZtransact. Online deposits must be made and have a date stamp by March 1, 2023, to qualify for a 2022 tax receipt. 

    • Clients can make online deposits to Equitable Life® through their financial institution’s online banking service. Online deposits must be made and have a date stamp by March 1, 2023, to qualify for a 2022 tax receipt. 

    • Clients can also make a new deposit to an existing policy by cheque. The cheque must be dated and signed by March 1, 2023. Equitable Life must receive the cheque no later than March 7, 2023.


    If online banking is being used to fund the policy – either topping up an existing policy or opening a new policy – the online banking transaction must be completed by March 1, 2023, to receive a 2022 tax receipt.


    Please note that cheques and other paperwork cannot be backdated.  They must be completed and signed by March 1, 2023, to qualify for a 2023 tax receipt.


    Don’t forget about the Equitable Life RSP Grow Your Future Contest. We hope you have a great RSP season! 

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

  9. Clients could win $5,000 in Equitable’s New Year’s Resolution, New Year’s Contribution Contest!
    Equitable® wants to help clients achieve their financial goals in 2024.
     
    Clients could win $5,000 and you could win $1,000 in Equitable’s New Year’s Resolution, New Year’s Contribution Contest.
     
    How it works:
    The client makes a contribution between January 1 and February 29, 2024 to one or more of these accounts:
    If they win, you win! The draw will be held March 20, 2024.  
     
    Equitable is dedicated to offering clients the products, the services, and the choices that best suit their needs. We provide multiple sales charge options, three distinct guarantee classes, and a diverse selection of investment funds.
     
    Speak to your Regional Investment Sales Manager to learn more.

    Posted: December 14, 2023

    ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
     
    Equitable’s New Year’s Resolution, New Year’s Contribution Contest: No purchase necessary. Contest period January 1, 2024, to February 29, 2024.  Enter by making a deposit to an Equitable FHSA, TFSA or RRSP during the contest period or by submitting a no-purchase entry. One prize for a total value of $5,000 CAD to be drawn on March 8, 2024, 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 $5,000 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. 
  10. New secure encryption process for outstanding Equitable S&R business requirements
    The Equitable® Savings and Retirement Operations team is improving how they send secure email messages to advisors. These emails are sent when there are outstanding requirements for an application or missing information for requests.


    Previously, advisors had to manually password protect or unlock PDF documents. This caused delays and difficulties for recipients. The new encryption process will remove that confusion and make it easier for advisors to send and receive secure, encrypted messages.


    Advisors will now receive secure, encrypted emails from the QA annuity operations mailbox. These emails will use an encrypt option to protect personal client information, such as attachments or requests for personal documents. Recipients will get an email with a subject line saying they have a secure private message. They will need to sign in to view the message or choose to get a one-time passcode (OTP).






    Please ensure to check the SPAM folder for the OTP option as it will expire in 15 minutes. Enter the OTP in the secure message
    portal.



    Emails are sent in both English and French, with automatic translation based on browser settings. Recipients must click the view button to access the message in the secure web portal where they can see the encrypted attachment.

    Make sure to click Reply in the top right corner of the encrypted message to keep communications within the secure portal.



    For more information or assistance, please contact your Director, Investment Sales.

    Date posted: May 22, 2025