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[pdf] Tax Free Savings Account
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Wrapping up 2025 with our new term rates!
Among the most competitive in the market
Equitable^® is wrapping up 2025 with our new term rates effective November 22, 2025. Many Canadians view life insurance as unaffordable, with 34% saying cost is the top reason they go without coverage.¹ Our new term rates are designed to help address these concerns. They offer flexible and affordable options to help clients get the protection they need.
¹Investment Executive at Survey finds affordability, lack of trust, barriers to buying life insurance | Investment Executive

What’s New:
Updated premium rates for Term coverage, included on:
• Term 10, Term 20 and Term 30/65 plans

• Including Term Riders on Critical Illness (CI), Whole Life (WL), Equitable Generations^® Universal Life (UL) and Equation Generation^® IV Universal Life

View our Transition Rules for all the details on processing your applications.

New term rate highlights*:

*Effective November 22, 2025. Our term rates ranked among the best on LifeGuide when compared against top carriers in key markets.

Check out our new term rates for yourself. Run quotes monthly (versus annually) for our best term rates.

Contact your Equitable wholesaler today to learn more!
[pdf] myFlex - How it works, what to consider
[pdf] Insights into non-registered taxation

Enhanced flexibility and features make Equimax whole life a great choice for your clients

WHAT’S NEW ON MARCH 23, 2020?

The following features are available on Equimax Estate Builder^® and Equimax Wealth Accumulator^® plans!

60 months of EDO payment flexibility¹ that fits your clients’ situation

Clients can start EDO payments¹ up to 60 months from the date the application was signed, or resume up to 60 months from the last EDO payment made, without additional evidence of insurability.
Applies to Equimax²policies with an effective date of March 23, 2020 or later.

EDO is available on cases rated 300% or less³ for new and existing clients

For existing clients, if approved, the EDO contract provisions that apply will be based on the effective date of the insurance policy, not the date the EDO was added.
Applies to Equimax² policies issued under the 2017 tax rules.

Built-in Disability Benefit Disbursement provides access to cash value in the event of a disability

The Disability Benefit Disbursement may provide a tax-free, lump sum payment of up to 100% of the policy’s cash value if the insured becomes disabled.⁴
Will be included on Equimax² policies issued under the 2017 tax rules.⁵

Want more information?

More information is available on EquiNet^® on the Whole Life Insurance Product page under the Resources tab.

Ask your Equitable Life^® Regional Sales Manager about Equimax today.

COVID-19 & social distancing: Strategy for insurance applications

Using our EZcomplete^® online application allows you to keep your distance … while keeping your business moving forward.

Learn more

¹ This applies only to policies with an effective date of March 23, 2020 or later. The amount of the EDO payment allowed may be limited to the maximum EDO payment made in previous years depending on the policy year. 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. See Admin Guide for full details. ² Applies to Equimax Estate Builder and Wealth Accumulator; all ages; life pay and 20 pay; single and joint lives. ³ Not available if the policy has a flat extra rating. ⁴See sample policy contract for full details, including the qualifications for the disbursement. Policy cash value and death benefit will decrease. 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. ⁵Subject to our administrative rules and guidelines in effect at the time of the disbursement

[pdf] Daily/Guaranteed Interest Account Contract
Segregated funds – a secure choice for small-business owners Canadian small-business owners may be gambling with their financial future by foregoing personal financial protection, especially during times of economic uncertainty. Small-business owners can potentially put their personal property, investments, and even their retirement savings in jeopardy, if they fail to protect these assets. One way to do that is through investing with segregated funds.

Because segregated fund contracts are held outside of the estate, they offer privacy and discretion in passing assets to those you care about most. Segregated funds offer the potential for creditor protection on both registered and non-registered assets, which can be especially advantageous to small business owners and entrepreneurs.

Segregated funds offer small-business protection:
- 75% - 100% of your premiums (less withdrawals) are guaranteed when your contract matures or on your death.
- Bypass probate and associated fees by naming a beneficiary.
- No deferred sales charges at death.
- Quick payment to beneficiaries after you pass away.
- Private and confidential beneficiary designations.
- Creditor protection may be available in the event of bankruptcy or lawsuit.
Equitable’s Pivotal Select™ may offer protection from the claims of creditors. Self-employed professionals and business owners should consider protecting their personal assets from professional liability. In the event of bankruptcy or lawsuit, your personal assets may be protected from seizure if you have named your spouse, child, parent or grandchild as beneficiary. Having this added protection can help secure your financial future.

Learn more about Corporately Owned Segregated Funds and Pivotal Select. If you have any questions, please contact your Director, Investment Sales.

Date posted: October 10, 2024
Understanding debt: A key to building wealth Why debt matters in wealth conversations
Debt is part of life for many Canadians. But not all debt is the same. As an advisor, you can help clients understand their debt and how to manage it. This is key to building wealth and confidence. Financial Literacy Month is a great time to “Talk Money.”

Types of debt¹
- Secured: This is backed by something the client owns, like a house or car. Its cost of borrowing or interest rate is usually lower.
- Unsecured: This includes credit cards and personal loans. These debts have no asset behind it and often cost more.
- Revolving: These are like credit cards. The balance owing can carry over to the next month.
- Installment: These are like car loans. Clients pay a set amount each month.
Helping clients manage debt
- Pay off high-interest debt first: Credit cards are often a good place to start.
- Consolidate: One lower-interest loan payment can replace many.
- Make a budget: Include debt payments and savings.
- Use insurance-based investments: Segregated funds and Daily/Guaranteed Interest Accounts offer protection and guarantees. These can help clients manage risk while growing wealth.
Why reducing debt matters
Less debt can mean more financial freedom. Clients can save more, stress less, and plan better for retirement. It also helps them leave a financial legacy.

Your role as an advisor
You do more than sell products. You guide clients to make smart choices. Use this article to start a simple, clear conversation about debt—and how Equitable Individual Wealth solutions might fit into their overall financial picture.

Talk to your Director, Investment Sales today for more strategies to help clients with debt.

¹ Source : ARC, 2025-03-28
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