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1. [pdf] Collateral Loan Suitable Candidate Profile
2. [pdf] Payout Annuity Application
3. EZtransact enhancements: New “Internal Transfer” and “Other Institution” options

   At Equitable^®, we’re always looking for ways to make it easier to support clients. That’s why we’re excited to share new enhancements in EZtransact^® that give you more flexibility and simplify transfer processes. 
   
   What’s new
   As of January 22, EZtransact now offers:   
   •  Internal Transfers that streamline digital movement of investments between eligible client accounts within Individual Wealth.
   •  An “Other Institution” option when you’re initiating an external transfer. This means you can request transfers from financial institutions that are not listed in our existing dropdown menu.
   
   These enhancements remove the need for manual workarounds and help ensure transfers are captured clearly and accurately the first time. 
   
   These updates support:
   •  Advisors working with Individual Wealth clients
   •  Clients who need to move investments either within Equitable or from another financial institution
   
   To transfer funds between existing Equitable contracts, simply go to EZtransact, select Make a Transfer on the policy you want to receive the funds, and view your client’s existing contracts all in one place. 

   
   
   Use the new “Other Institution” option to start transfers from any financial institution, even if it’s not part of the standard list.
   
   You’ll see these enhancements in the “Make a Transfer” flow within EZtransact on EquiNet^®. It appears right at the point where you select the financial institution for the transfer. 
    

   
   These updates are designed to:
   •  Give you more flexibility when managing external transfers
   •  Remove the need for manual steps or workaround solutions
   •  Help reduce errors that can happen during manual processing
   •  Improve efficiency for you and deliver a smoother experience for clients 
   
   You asked, and we listened! Keep providing us with your feedback on our digital tools. When we grow together, success is mutual. Get to know EZtransact! If you have any questions, please contact your Director, Investment Sales.
   
   Date posted: April 1, 2026

4. [pdf] WL & Annuity - Child's 10 Pay
5. [pdf] WL Annuity Child's 20 Pay
6. [pdf] Equitable GIF Non-Registered Application
7. Competitive GIA rates and more!
   With many bond funds declining in value over the past year, clients are looking for fixed income alternatives to reduce portfolio risk while providing a principal guarantee and an attractive interest rate.  
   
   Equitable Life® Guaranteed Interest Account (GIA) investment options are ideal for clients who want to create an emergency fund or save for a special purchase. And we’ve recently increased interest rates to make our GIA options even more competitive! 
    
   A few reasons to consider Equitable Life for your GIA business:
   • The GIA advantage – a life insurance contract can provide many estate planning benefits.
   • Industry-leading compensation – we currently pay 40bps of commission per year of term.¹ Many competitors only offer 20 – 25bps per year of term.²
   • Cashable option³ – allows clients to access their money in case of unexpected circumstances. Not many competitors offer this feature.²
   • Advisor rate discretion – advisors can forego up to 40bps of commission for an equal increase in interest rate, making our great rates even better.
   • Step Up Your Wealth Sales program – 100% of GIA net deposits⁴ are used to calculate the 0.75% bonus commission earned on net deposits for 2022.
   • Win-Win – our GIAs allow you to give the client a better interest rate while still earning a good commission.
    
   
    
   For more information, please contact your Equitable Life Regional Investment Sales Manager.
    
    
    
   ¹ Equitable Life commission rates as at May 19, 2022.
   ² Competitive information as at November 20, 2021; Equitable Life does not guarantee the accuracy of competitive information.
   ³ Withdrawals made prior to the maturity date will be subject to a market value adjustment and may be subject to tax.
   ⁴ All eligible deposits, sales, and redemptions occurring between January 1 and December 31, 2022, will be used to calculate an advisor’s 2022 net deposits.
    
   ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
    
    
8. Competitive GIA rates and more!
   With many bond funds declining in value over the past year, clients are looking for fixed income alternatives to reduce portfolio risk while providing a principal guarantee and an attractive interest rate.  
   
   Equitable Life® Guaranteed Interest Account (GIA) investment options are ideal for clients who want to create an emergency fund or save for a special purchase. And we’ve recently increased interest rates to make our GIA options even more competitive! 
    
   A few reasons to consider Equitable Life for your GIA business:
   • The GIA advantage – a life insurance contract can provide many estate planning benefits.
   • Industry-leading compensation – we currently pay 40bps of commission per year of term.¹ Many competitors only offer 20 – 25bps per year of term.²
   • Cashable option³ – allows clients to access their money in case of unexpected circumstances. Not many competitors offer this feature.²
   • Advisor rate discretion – advisors can forego up to 40bps of commission for an equal increase in interest rate, making our great rates even better.
   • Win-Win – our GIAs allow you to give the client a better interest rate while still earning a good commission.
    
   
    
   For more information, please contact your Equitable Life Regional Investment Sales Manager.
    
     
   ¹ Equitable Life commission rates as at May 19, 2022.
   ² Competitive information as at November 20, 2021; Equitable Life does not guarantee the accuracy of competitive information.
   ³ Withdrawals made prior to the maturity date will be subject to a market value adjustment and may be subject to tax.
    
   ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
    
    
9. [pdf] CLHIA MGA Compliance Survey
10. 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.