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  1. 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
  2. Get to know our large case experts

    New episode in our Ask our Experts video series

    At Equitable®, we’re committed to the large case market. Our dedicated team of experts is here to support you from application through to policy placement.

    Today, we are thrilled to share the second episode of Ask our Experts. This mini docuseries features key members of our large case team. They talk about their work, their perspectives, and their role in the large case experience.

    Watch Ask our Experts Episode 2 featuring Kevin Till, AVP of Individual Life Pricing.

    Kevin chats with us about:
         • What he finds interesting about large case pricing.
         • How quickly Equitable can turn around a large case quote.
         • The difference between a mutual and a stock insurance company.
         • Equitable’s reinsurance strategy.



    In case you haven’t seen it…
    Watch Ask our Experts Episode 1 with Cindy Shirley, Chief Underwriter and Claims Risk Management.

    Learn more:
    Visit our large case markets webpage to learn more about our team of dedicated experts.

    Do you have a large case opportunity? Talk to your wholesaler to learn more.

    ® and ™ denote trademarks of The Equitable Life Insurance Company of Canada.
     
  3. Sharpen your skills with Equitable’s Path to Invest summer learning modules

    Want to stay ahead, bring more value to clients, and earn Continuing Education (CE) credits?

    Equitable® now offers new online summer modules to help you grow your financial knowledge. These self-paced Path to Invest modules are available on our ON24 platform. You can learn on your own schedule and earn CE credits with ease.

    Whether you want to boost your investment skills or have better client conversations, these courses are here to support your growth.

    The first module, Index Investing, explores the basics of index investing, how it compares to active management, and how using indexes can help diversify client portfolios.

    The second module, Saving for a Home with Equitable, equips you with strategies and tools to guide clients through the homebuying journey, including insights on savings vehicles, intergenerational wealth transfers, and mortgage planning.

    Each course is approved by the Alberta Insurance Council and the Insurance Council of Manitoba. You will earn 1 CE credit for each course after passing the quiz.

    Start learning today! Visit our Learning Centre to begin. 

    If you have any questions, reach out to your Director, Investment Sales. When we work together, success is mutual.


    Continuing Education Credits
    To be eligible for CE credits, you must register individually, watch the webcast in full and complete a short quiz. These webcasts are available in English only. It is the advisor's responsibility to ensure Continuing Education credits being offered are accepted by the licensing body. Alberta Insurance Council (AIC) credits are valid in Yukon, British Columbia, Alberta, Saskatchewan, Ontario, New Brunswick, Prince Edward Island and Nova Scotia. Insurance Council of Manitoba (ICM) credits are valid in Manitoba only.

    Date posted: July 17, 2025

  4. 5 topics to discuss with large case clients Are you working with high-net-worth business owner clients? It’s important to ask the right questions to get them interested in learning how corporate-owned life insurance might benefit their situation.

    Here are a few suggestions from our large case team:
    1.     Capital Dividend Account: Are you taking full advantage of your company’s Capital Dividend Account for your family?
    2.     Cash flow and surplus: Do you have surplus cash or cash flow in your corporation? Why is it there? If it is for tax deferral, would you like to make some or all of that deferral permanent?
    3.     Legacy: What do you want to happen to your business when you’re no longer there? How much of what you have built do you want to preserve for your family? How much will be preserved?
    4.     Shareholder’s agreement: Do you have a shareholder’s agreement? How is it funded? Does it deal with triggering events like death, disability, and retirement?
    5.     Worse-case scenarios: If you were not able to show up at your business for 3 months, and no one expected it, what would happen? What would creditors, customers, suppliers, and employees do?

    Visit our large case webpage and watch Ask our Experts to learn more about the importance of careful planning when it comes to corporate policy ownership.
     
  5. The top individual insurance marketing materials! In 2025 there were five marketing pieces that advisors turned to most. If you haven’t seen them yet, now’s your chance to catch up. We want to help you connect with clients. These materials help make important topics easy to explain.

    Top five individual insurance marketing materials:
    1. 1024 Guide to individual underwriting. This guide shows how medical and non-medical conditions can affect insurance approvals.
    2. 1038 Understanding participating whole life. Explains Equimax® participating whole life insurance. It also discusses the Participating Account, how dividends are calculated, and how they can impact a policy.
    3. 1343 Evidence of insurability. Includes a chart showing the underwriting rules for life insurance products.
    4. 1530 Temporary resident underwriting guidelines. This is a list of the documents temporary residents need when applying for individual insurance.
    5. 1505 Dividend scale interest rate 30-year historical performance. This chart shows Equitable’s dividend scale interest rate history. It also compares our dividend scale rate to other major economic indicators.

    For a list of all our marketing pieces visit our marketing materials page on EquiNet.

    Have further questions? Your Equitable Wholesaler is here to help!
  6. Introducing Empathy – Compassion and care at times of loss
    We’re excited to announce our partnership with Empathy– the company behind the Empathy Loss Support benefit.

    As a trusted advisor, you play a vital role in guiding clients through some of life’s most difficult moments. We understand this and believe Empathy can provide vital support at a time of loss. This is why Equitable® has added this new benefit to all new and existing individual life insurance policies at no additional cost.

    About Empathy
    Empathy Loss Support begins when a claim is initiated. When a client’s loved one notifies us, our Client Care Centre connects them to Empathy’s user-friendly app or website. They can choose the Empathy services they need, including human support, and helpful tools. Empathy will help them navigate both the emotional and logistical challenges following a loss.
     
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    Introduced to loved ones at time of claim    		 RomanceAED_Aed_Message_Dating_App_Mobile_Love.png
    Easy to use co-branded app    		 FilesAIJ_Aij_Search_Zoom_Text.png
    Adding value beyond the policy
    Share the good news
    Include Empathy in your client conversations about life insurance. Show clients how Equitable leads with Care, Compassion, and Empathy.  Our commitment to clients is at the heart of everything we do.

    To learn more, visit our Empathy page.

    Questions?  Please contact your Equitable wholesaler.





    This loss support benefit is provided by Empathy and is available to all Equitable life beneficiaries aged 18+ years and residing in Canada. Equitable does not have access to the information provided to Empathy and is not responsible or liable for the services provided by Empathy. Empathy does not represent Equitable nor have the right to bind Equitable. Equitable may modify access to or discontinue offering the Empathy service at any time.

    Empathy does not provide legal, medical, financial, or accounting advice, nor does Empathy provide mental health diagnosis or treatment. We recommend consulting a professional on such matters.
  7. [pdf] Equitable GIF Advisor FAQ
  8. Manage your business virtually with Equitable Life

    As an advisor, we know that physical distancing and self-isolation are proving to challenge the business as usual practise. The good news is that Equitable Life® is here to help. Our self-serve and online tools and resources for Savings and Retirement advisors can assist in maintaining a certain degree of daily activity.

    Online Banking
    Help your clients during this time of isolation and self-distancing by letting them know about banking online. Online banking is an easy and convenient way for your clients to make additional contributions to non-registered savings plans, Tax-Free Savings Accounts or even last-minute contributions to a Retirement Savings Plan.

    Deposits will be made according to the instructions on file. Advisors will receive the regular commissions for any deposits made. Please note that all deposits must originate from the policy owner's bank account.

    For more information on using online banking including financial institutions currently registered for direct deposit with Equitable Life, click here.

    EZcomplete for non face to face
    We know that business still needs to happen, even in times of uncertainty. EZcomplete® can help with that. With our non face-to-face functionality, EZcomplete allows you to remotely connect with your clients. Once the online application is complete, EZcomplete sends your client a passcode that gives secure access to review documents and allows your client to provide an electronic signature. You only need to provide your client’s email address.

    EZcomplete makes the process of completing non face-to-face applications more convenient and doing business with Equitable Life EZ. For more information on EZcomplete, click here.
     
    Limited Trading Authorization
    Need to make some fund adjustments for your client? Limited Trading Authorization (LTA) is built into the Pivotal SelectTM and Guaranteed Interest Account applications to simplify the process of submitting client requests. Alternatively, the Limited Trading Authorization Form # 14 can be completed. Discretionary trading is not permitted. The advisor must have documented the client’s instructions in the client file. To learn more, click here.
     
    Client Access
    Does your client need to make changes to a pre-authorized deposit or beneficiary information, address or banking information? Does your client have a Client Access® account? Client Access is Equitable’s secure online client site that connects clients to tools and policy information. To create a new Equitable Client Access account, your client will need to reference the policy number(s). By registering for Equitable Client Access, policyholders and annuitants can make changes and view information such as:

    Details of investment holdings including:

    • Up-to-date market value of investments;

    • Guaranteed Interest Account (GIA) maturity dates and values;

    • Premium amounts, death and maturity guarantees and beneficiary information; and

    • Recent account activity.

    Details of Payout Annuities including:

    • Next payment date;

    • Annual income and payment guarantee details; and

    • Beneficiary and Annuitant information.

    There is also a secure inbox where copies of statements and other correspondence are available. To learn more, click here. 
     

    Need help with any of these resources? Contact our Advisor Services team Monday to Friday 8:30 a.m. – 7:30 p.m. ET at 1.866.884.7427 or email savingsretirement@equitable.ca, or your local Regional Investment Sales Manager.

  9. Equitable Life Coronavirus Update – March 13, 2020

    As the coronavirus (COVID-19) continues to spread, it’s important that you, your clients and their plan members have the most up-to-date information. We are providing timely updates on any developments that impact your clients and their plan members or their benefits coverage.

    Please share this information with your clients. You can direct them to EquitableHealth.ca, where we have posted a version of these updates.

    Coronavirus travel coverage*

    For groups with Travel Assist coverage

    The Public Health Agency of Canada has issued several Travel Health Notices advising Canadians to avoid travel to countries and regions where there have been outbreaks of coronavirus (COVID-19).

    A good resource to help your clients and their plan members understand how the spread of the coronavirus may impact their travel plans is the Public Health Agency of Canada’s Coronavirus Travel Advice site. The levels of risk by country and region are regularly updated.

    If your clients’ plan members cannot avoid travelling, Public Health recommends they take steps to prevent illness and seek medical attention if they become sick.

    Where to find the latest information

    The list and level of travel advisories can change at any time. Please check the Government of Canada’s Travel Advisor and Advisory page for the most current information.

    If your clients’ plan members have coronavirus symptoms while travelling, please advise them to contact Travel Assist at the numbers listed below for assistance.

    Advise plan members to call before they travel

    If a plan member is travelling anywhere outside of the province or country and their benefits plan includes Travel Assist, plan administrators should advise them to make sure they’re prepared for a medical emergency by following these steps.

    1. Check the Government of Canada’s Travel Advisor and Advisory page. Note that it is important to click on the country to check whether any specific regions of that country have travel advisories.
    2. If they have questions, they should call Travel Assist before they travel for assistance and benefit information.
    3. Pack their Equitable Life benefits card and provincial health card.
    4. In a medical emergency, call the Travel Assist 24-Hour Hotline:
    • Toll-free Canada/USA: 1.800.321/9998
    • Global call collect: 519.742.3287
    • Allianz Global Assistance ID #9089

    Allianz Global Assistance administers Equitable Life’s Travel Assist benefits. Allianz has an international network of medical facilities, transportation providers, medical correspondents and multilingual administrative agents who aid with medical, legal and most travel-related emergencies 24-hours a day, seven days a week.

    Early prescription refills and drug shortages*

    In response to concerns about COVID-19 TELUS Health, our pharmacy benefits manager, has announced it is maintaining its standard rules for refills of medication. Plan members can refill their medications when at least two-thirds of the last dispensed supply has been used.

    If plan members need more than the maximum supply allowed on their plan, they must pay out-of-pocket for the excess amount. They can then submit a claim to ask for an exception request.

    TELUS is taking this position to help maintain access to medication for all patients. They continue to monitor the situation. We will provide an update if it changes.

    Drug shortages

    TELUS Health monitors for drug shortages and updates their system for any unavailable drugs. This helps to ensure accurate claims payment. If a referenced lowest-cost generic drug is unavailable, claims for drugs in the class will be paid at the next lowest-cost generic alternative available.

    *Indicates content that will be shared with your clients

  10. Extending premium relief for Dental and Extended Health Care benefits

    We know this is a challenging time for Canadian employers and we continue to look for ways to help your clients manage while still supporting their employees.

    As many health practitioners continue to keep their offices closed due to the pandemic restrictions, plan member use of dental benefits and some health benefits remains lower than normal.

    So, we are pleased to announce that we are extending premium relief for all Traditional and myFlex insured non-refund customers for Health and Dental benefits for the month of May, as follows:

    • A 50% reduction on Dental premiums in all provinces except Saskatchewan, where a 25% reduction will apply due to the re-opening of dental clinics in early-May; and
    • A 20% reduction on vision and extended healthcare rates (excluding prescription drugs) in all provinces, which equates to an 8% reduction on Health premiums.

    These reductions are effective for May 2020 and will appear as a credit against the next available billing. We will assess the situation monthly and expect to continue with monthly refunds for as long as the current crisis period continues. The size of the credit may change over time as dentists and other health practitioners gradually reopen their offices. We will confirm premium credits for June (if any) at a later date. Credits for subsequent months will be communicated on a month-by-month basis.

    In order to be eligible for the monthly credit calculation and payout, a policy must be in force on the first of the month and remain in force thereafter. The monthly credit calculation is based on employees in force on the May bill. If employees experienced layoffs during the month, that would not affect eligibility for a premium credit as long as the benefit itself is not terminated.

    We expect that claims experience and premiums will return to normal once the current pandemic restrictions are lifted.

    In the meantime, plan members will continue to have full access to their benefits coverage throughout the pandemic. In many cases, dental offices remain open for emergency services, and a variety of healthcare providers are available virtually.

    Commissions

    We know the pandemic has put financial strain on your business as well, so we will continue to pay full compensation. Although your overall commission will be unaffected by these premium reduction adjustments, you may see a temporary reduction in your commission payments if you are on a pay-as-earned basis. We will begin to process the commission top-up payments in mid-June and will reflect both April and May premium credits.

    Communication

    We will be communicating this premium relief program to your clients later this week.

    Questions?

    If you have any questions, please contact your Group Account Executive or myFlex Sales Manager. In the meantime, we have provided some Questions and Answers below. You can also refer to our online COVID-19 Group Benefits FAQ.