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Coming March 23, 2020 – Equimax enhancements include 60 months of flexibility to make extra deposits
The following features will be available on Equimax Estate Builder® and Equimax Wealth Accumulator® plans!

60 months of Excelerator Deposit Option (EDO) flexibility
- Up to 60 months to make initial EDO payment or resume stopped or reduced payments. No additional underwriting required.
- For approved EDO amounts exceeding $150,000 annually ($12,500 monthly), clients have up to 12 months from the date the EDO application was signed or the date of the last EDO payment to make an EDO payment before a contribution cap may apply.
- Available on all policies with an effective date of March 23, 2020 or later.
EDO available on case ratings of 300% or less
- If a policy already in effect has a rating over 200% and up to and including 300%, the owner can apply to add EDO provided the policy was issued under the 2017 tax rules.
- Additional underwriting and submission of satisfactory evidence may be required.
Disability Benefit Disbursement at no extra cost
- If a life insured becomes disabled from a severe mental or physical impairment as defined in the policy contract, the owner may apply for a tax-free,* lump sum payment of up to 100% of the policy’s cash value.
- Exclusions apply. See sample policy contract for full details, including the qualifications for the disbursement.
- Available on all policy issued under the 2017 tax rules.
* Tax laws are subject to change. The payment of the disability benefit disbursement may affect the adjusted cost basis (ACB) of the policy as it is considered payment of a capital benefit. Changes in ACB can affect the future taxation of the policy.

Processing your Application
To make the transition as smooth as possible, please take a moment to review the following transition rules.
Paper Pivotal Select applications (Form #1383 and #1384)

On April 27, 2020 Equitable Life® launched its NL-CB sales charge option to its Pivotal Select™ segregated fund lineup. The new option provides an additional choice to the existing Low Load (LL), No Load (NL) and Deferred Sales Charge (DSC) selections. To reflect the new sales charge option, Pivotal Select applications (Form #1383 and #1384) were updated.

The paper Pivotal Select applications (Form #1383 and #1384) with a version date prior to 2020/04/27 (located on the back page and in the bottom right-hand corner of the application) will no longer be accepted as of July 1, 2020. If you currently have applications with a date that is before 2020/04/27, please destroy them and order new applications from our Supply Team. To order new applications, click here.

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.

For more information about the NL-CB sales charge option, please click here. For more information about Equitable Life’s EZcomplete, click here.
Grow your guarantee using resets from Equitable Life
Did you know that many of Equitable Life®’s segregated funds contracts, including Pivotal Select™ Estate Class and Protection Class, allow for an annual reset of the death benefit guarantee? Now could be a great time to remind clients to lock-in any gains with a death benefit reset; and increase their Death Benefit guarantee to 100% of the current market value. The ability to lock-in market growth using resets is one of the differences between segregated funds and mutual funds.

To complete a reset, submit the applicable investment direction form. If you have Limited Trading Authorization on file, you can sign the request on your client’s behalf*. The Investment Direction Forms are posted on EquiNet®, or can be found here (by product):
- Pivotal Select (form # 693SEL)
- Personal Investment Portfolio, Pivotal Solutions II or Pivotal Solutions DSC (form # 693ANN)
Be sure to check out the “Growing your Guarantee with Resets” marketing piece which can be shared with your clients. For questions about resets, contact your Regional Investment Sales Manager today.

*Advisors are required to keep notes of their conversation with their client for audit purposes when completing transactions using Limited Trading Authorization. World Financial Group (WFG) advisors are not permitted to use Limited Trading Authorization as per their agreement with WFG.
® and ^TM denote trademarks of The Equitable Life Insurance Company of Canada
REMINDER that paper applications with a version date prior to 2021/04/02 are set to expire July 1, 2
To comply with the Government of Canada’s anti-money laundering legislation and FATCA/CRS changes, Equitable Life® has updated its Savings and Retirement and Life Insurance applications.

If you currently have applications with a version date before 2021/04/02, please destroy them and use our online pdf applications or order new applications from our Supply Team. Paper applications 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 for:

● Savings and Retirement (Form #1383, #1384, #799, #355), and
● Life Insurance (Form #350)

Want to be sure you always have the most up-to-date application? Try our EZcomplete® online platform for Individual Life, Critical Illness and Segregated fund applications.

For a complete list of all forms and applications affected by the anti-money laundering legislation, refer to the following links:

● Savings and Retirement Anti-money Laundering Legislation Requirements Summary.
● Life Insurance Anti-money laundering Legislation Requirements Summary.
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 Sales Manager or Equitable Life’s Advisor Services Team

® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
Equitable’s DSIR leads the way
Equitable^® offers a 6.40% dividend scale interest rate (DSIR) – the best in our industry¹. But our DSIR is only one of the many benefits of choosing Equitable!

Why choose Equitable?
• Equitable proudly leads the way: We are the #1 seller of PAR whole life policies in Canada²!
• Our top DSIR: Helps clients save for the future and builds lasting value.
• Our Canadian heritage: Established in 1920, we are 100% Canadian-owned, based in Canada and dedicated exclusively to serving the needs of the Canadian market.
• Our financial strength & growth momentum: We invest with care, keeping clients’ savings safe and growing over time.
• Our mutuality: As a mutual, our clients come first – and eligible clients share in our success through dividends³.
• Our service & support: We offer great service, easy-to-use digital tools, and support at every step, making Equitable a trusted choice for clients and advisors alike.

In client meetings, be sure to share these outstanding benefits with clients. Doing so can demonstrate real value and boost your sales.

Questions? Reach out to your Equitable wholesaler or visit EquiNet. We’re ready to help you succeed.

Resources:
The Power of Together (Video)
5 Reasons to choose Equitable (1271)
Dividend Scale Announcement - 2024/2025

¹ Source: Latest posted DSIR data on competitor websites – 2025.
² Source: LIMRA – Canadian Individual Life Insurance Sales Participant Report - Q4 2024.
³ Dividends are not guaranteed and are paid at the sole discretion of the Board of Directors. To learn more about our dividend policy and participating account management policy, please visit www.equitable.ca/en/already-a-client/dividend-information/
Online banking makes RSP season easier
March 1, 2021 is the deadline for clients to make Retirement Savings Plan (RSP) contributions within the first 60 days and that date is quickly approaching! Why not alleviate some stress by having your clients make their deposits using online banking?

To get started with online banking, clients simply log in to their online bank account and select the option to add a new bill/payee and search for Equitable Life Savings Plan. The Equitable Life savings plan policy number will serve as the account number.

Clients that complete their deposits using online banking don’t have to stress about mailing a cheque. Or worry about whether the money will make it to head office in time for the deadline. Deposits are applied based on the investment direction on file.

Deposits can be made to RSPs as well as Tax-Free Savings Accounts and non-registered accounts. The minimum deposit is $50 per fund and $500 per Guaranteed Deposit Account (GDA).

To learn more, click here. More questions? Reach out to your local Regional Investment Sales Manager.
THREE new ways to help make your Savings & Retirement business run smoother
As of August 20, 2022, EZcomplete® will include several new features that allow applications to be completed faster and easier:

1. Prefilled Fund Transfer Form
The transfer form will be generated with the information from EZcomplete and included in the EZcomplete signing package, saving you time.

2. Client eSignature Audit History and Document Download
If you choose the e-signature option for the client, you’ll be able to download a copy of the e-signed transfer forms and the signature audit history.

3. Email the Client Contract Info and Fund Facts Before Signing
You'll now be able to email Point of Sale materials (Contract & Info Folder and Fund Facts) to clients before they provide their e-signature.

Log in to EZcomplete today!

Speak to your Regional Investment Sales Manager to learn more!
Smarter saving with GIA Laddering Want to show clients how to grow their savings in smart ways? Try Guaranteed Interest Account (GIA) laddering—a simple strategy that helps clients earn more interest and stay flexible.

How does it work?
Instead of a client putting all their money into one-year GIAs, laddering means splitting the money into different GIAs with different end dates. This way clients can:

• Earn better interest rates.

• Get access to part of their money every year.

• Be ready if interest rates go up or down.
Use our new calculator
Equitable’s new GIA Laddering Calculator shows clients how this strategy compares to putting all their money in one-year GIAs each year. It helps clients see which option could give them more money over time.

Contact your Director, Investment Sales to see how laddering can work for clients.

Date posted: September 15, 2025