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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?
    Did you miss our Spring Update & 2025 Dividend Scale Announcement?
    Watch it now:

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  2. Request standard in-force illustrations with the click of a button
    At Equitable®, we are making continuous improvements to our advisor and client services. We are excited to share an upcoming enhancement. 


    What’s new?


    Beginning on August 15, 2024 , you and your clients will be able to request standard, current in-force illustrations—at any time—for your clients’ whole life and universal life policies with the click of a button.

    Currently, standard in-force illustrations for whole life and universal life policies are autogenerated only on policy anniversaries. These in-force illustrations will no longer be autogenerated after August 15, 2024.

    Please note: For specialized illustrations—such as those with segregated funds, D2000/D2000+ policies, policies where the insured’s age falls outside existing illustration parameters, or policies that were originally from Clarica—you will still need to use the in-force illustration request form  for whole life or universal life policies.  


    How do I access this?


    You can request an in-force illustration by logging into EquiNet® and going to the Policy Details page via Policy Inquiry. Under the Coverage tab, you will now see a button called Inforce Illustration Request. Click the button to request the illustration. Learn more about how to access here. 
     
  3. Large insurance case? Expert help starts here.

    Ask our Experts Episode 3

    At Equitable, we’re committed to the large case market. Our dedicated team of experts have a wealth of knowledge and experience. They’re here to support you and to help get your large case from application through to policy placement. 

    Today, we are thrilled to share the third episode of Ask our Experts featuring Mark Warywoda, Public Investments VP. Watch it now! 

    Mark shares his thoughts on:
    • The benefits of Equitable’s PAR fund
    • The key advantages of mutuality
    • The golden rule of investing: staying focussed on the long term.

    In case you haven’t seen it…
    • Watch Ask our Experts Episode 1 with Cindy Shirley, Chief Underwriter and Claims Risk Management. 
    • Watch Ask our Experts Episode 2 with Kevin Till, AVP of Individual Life Pricing. 





    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. 
  4. More time to complete and view applications on EZcomplete


    You asked for more time, we listened!
     
    Effective January 14, 2023, you will have more time to complete and view in-flight and completed applications on the EZcomplete® dashboard.  

    You will now have,
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    There are no changes to EZcomplete’s Sandbox.  Applications in the Practice Site will continue to be deleted after 10 calendar days.

    Take me to the Sandbox

    Take me to EZcomplete

    Play around in the Sandbox with a demo client account.

    Submit your applications today.


    If you have any questions, contact your Regional Investment Sales Manager or 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.

     
     
    *Insurance applications currently offer 30 calendar days
    ** In-flight applications created prior to January 14, 2023, will maintain the existing 10-day submission timeline.
    ® denote a trademark of The Equitable Life Insurance Company of Canada.
    Posted: January 14, 2023
  5. Exchanges
  6. [pdf] Homewood Health Online
  7. [pdf] Get started online
  8. Equitable Life Group Benefits Bulletin - Group Advisor Bonus Enhancement Announcing our Enhanced Group Advisor Bonus Program
     
    We have enhanced our Group Advisor Bonus program to make it more competitive and to help support you in building your business with Equitable Life in 2022. We have updated the structure of the bonus program to make it easier for you to qualify, as well as increased the amounts we pay.
     
    Beginning for sales effective in 2022 we have:
    • Decreased the minimum premium required to qualify for the Sales Bonus to $35,000 from $150,000.
    • Moved away from using Graded Annualized Premium for both the Sales and Persistency Bonus and are using actual Annualized Premium instead, up to a maximum of $500,000 per policy. This simplifies the program and aligns us with the rest of the industry.
    • Increased the Sales Bonus payout to up to 5% of Annualized Premium for Traditional Sales and up to 3% of Annualized Premium for myFlex sales. 
    • Changed the minimum annual premium threshold for the Persistency bonus to $500,000 of capped Annualized Premium from $500,000 of Graded Annualized Premium to make it easier for you to qualify.
    Premiums associated with benefits on retention accounting or Administrative Services Only (ASO), Equitable HealthConnector® services, Group Critical Illness and Health Care Spending Accounts will no longer be counted towards the Sales Bonus.
     
    These enhancements do not apply to advisors who are not part of our standard Advisor Bonus program and who have special bonus arrangements in place. If you have a special bonus arrangement in place and would like to switch to the standard program, please contact your Group Account Executive or myFlex Sales Manager.
     
    Below is a table comparing the current Sales Bonus structure and payout. For full details, please refer to the Group Advisor Compensation and Recognition brochure.
     
    Enhanced Sales Bonus
    For the new Sales Bonus, the Payout Band is based on total combined Traditional and myFlex Benefits new annualized premium (capped at $500,000 per policy). The Sales Bonus Rates for both Traditional sales and myFlex sales are shown in the table below:
     
    New Sales Bonus Rates
    Payout Band Capped Annualized Premium* Sales Bonus Rate
    (from first dollar)
    Traditional Sales myFlex Sales
    1 $34,999 and under 0% 0%
    2 $35,000 to $99,999 3.5% 1.5%
    3 $100,000 and over 5% 3%
    *Total Traditional and myFlex new business sales combined, capped at $500,000 per policy.
     
     
     
     
     
     
     
     
     
     
     
     
     
     
     
     
    If you have any questions about the Advisor Bonus enhancements, please contact your Group Account Executive or myFlex Sales Manager.
     
  9. 2025 Holiday hours Individual Wealth As the holiday season draws near, we want to express our heartfelt gratitude for your trust and partnership with Equitable. Your dedication and commitment truly make a difference.

    Thank you for choosing Equitable for your insurance and wealth solutions and for your continued support throughout the year. Wishing you and your loved ones a joyful holiday season and a successful year ahead!
     
    Client Care Centre holiday hours
    Wednesday December 24, 2025 - 8:30 a.m. – 3:00 p.m. ET
    Thursday December 25, 2025 – CLOSED
    Friday December 26, 2025 – CLOSED
    December 29, 30 and 31, 2025 - 8:30 a.m. – 7:30 p.m. ET
    Thursday January 1, 2026 - CLOSED
     
     


     
    Individual Wealth

    All transaction requests to be handled same business day must be submitted in good order by:
    • December 24, 2025, 11:00 a.m. ET
    • December 31, 2025, 11:00 a.m. ET

    FHSA applications must be submitted, in good order by December 31, 2025 at 11:59 p.m. ET to be considered opened in 2025

    FHSA deposits to be considered for the 2025 tax year must be:
    • Submitted to head office in good order by 11:00 a.m. ET on December 31, 2025

    RRSP deposits to be considered for the 2025 tax year must be:
    • Dated March 2, 2026, or before
    • Must be submitted to Head Office in good order by March 6, 2026, by 4:00 p.m. ET

    RRSP applications to be considered for 2025 contribution year must be submitted in good order by:
    • March 2, 2026, 11:59 p.m. ET

    RRSP B2B Loans:
    • RRSP loan deposits must be received by March 13, 2026, by 4:00 p.m. ET
    Note: Transactions submitted after these dates will not receive a 2025 contribution receipt

    If applications or files come in after the posted cut-off dates, we’ll do our very best to help and aim to settle the policy by year-end. Although we can’t promise the timeline, we’ll work together to make it happen wherever possible.
     
    Thank you for your business and support. We look forward to working together to make this a great year end!

    Please note that all requirements must be received in Head Office by the above dates to guarantee settlement for year end.

    Looking for Individual Insurance holiday hours? Please click here.

  10. Par Whole Life Summary