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1. About
2. 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
    
3. Give the Gift of a Head Start
4. Summer is here and so is our new dividend scale

   Equitable’s Board of Directors has approved a new dividend scale for the period of July 1, 2024, to June 30, 2025.

   ● The interest rate* we use for the dividend scale will change. It will go from 6.25% to 6.40% on July 1, 2024.
   ● Other factors used to decide the dividend scale will remain the same.
   ● The interest rate for policies with dividends on deposit will change. It will go from 2.25% to 3.50% on July 1, 2024.
   ● The interest rate for most policy loans will remain 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.
   
   Learn more:
   ● 2024 Advisor Dividend Scale Notice
   ● 2024 Client Dividend Scale Notice
   ● Dividend Information Page 
   
   
   
   
   
   Did you miss our Spring update & 2024 Dividend Scale announcement? Watch it now: 
     
   (*The French and Chinese events will be partially in English, with sub-titles on screen).
   
   
   
   
   
   
   
   
   *The dividend scale interest rate (DSIR) is different from the participating account (PAR) rate of return. The PAR rate of return is the return on the investments in the participating account over the calendar year. The DSIR smooths out the ups and downs of the participating account experience.
5. Equitable's Fresh Outlook DIA/GIA Contest

   The recent launches of Equitable’s Daily Interest Account (DIA) and Guaranteed Interest Account (GIA) this summer have caused a bit of a buzz. So much so that we are launching Equitable’s Fresh Outlook DIA/GIA Contest.
   
   That’s right. To celebrate our fresh client-focused approach within a digital business solution, Equitable® is giving advisors a chance to win a prize of one $1,000 gift card.
   
   Between August 1, 2024 and October 31, 2024, every time advisors use Equitable’s EZcomplete® online application platform to submit a client's complete DIA/GIA application they will automatically be entered into the Fresh Outlook DIA/GIA Contest.
   
   Equitable is committed to offering valuable guaranteed investment solutions in a competitive market. Our fresh approach to guaranteed investing makes Equitable’s Daily Interest Account or Guaranteed Interest Account an easy choice.
   
   Speak to your Director, Investment Sales to learn more.
   
   ® or ^TM denotes a registered trademark of The Equitable Life Insurance Company of Canada.
   Fresh Outlook DIA/GIA Contest: No purchase necessary. Contest period is August 1, 2024 to October 31, 2024. One (1) prize to be awarded for a total value of $1,000 CAD. Correct answer to mathematical skill-testing question required to win. Open to legal residents of Canada of the age of majority. Odds of winning depend on number of eligible Entries received during the Contest Period. For full contest rules, including no-purchase method of entry, see full contest rules.

   
   Date posted: August 1, 2024
6. Pique your Fi-natical Curiosity with Equitable and Invesco

   Get ready for an engaging session where we'll uncover 8 core topics that every advisor should know about clients. One of those core topics is “who do you care about?” This helps advisors understand who is important to clients, so they can then begin to include them in their planning. Let's dive in and discover how to make client relationships even stronger.
   
   Rob Kochel, Director, Invesco Consulting Canada, will explain how asking the right questions helps advisors learn more about clients, so they can work towards capturing up to 70% more of their clients’ assets. Join Joseph Trozzo, Vice President, Investment Sales, at Equitable^® as he hosts this Master Class webcast on “Fi-natical Curiosity”.
   
   Featured Speaker: Rob Kochel
   Rob is a Director with Invesco Consulting. This group has earned a reputation within the financial sector as a premier provider of business strategies to the industry. Rob is a national speaker who is recruited for keynote presentations and workshops to share his personal learnings and Invesco Consulting's expertise.
   
   Learn more
   
   Continuing Education Credits 
   This master class has been submitted for continuing education (CE) approval for all provinces excluding Quebec via the Insurance Council of Manitoba and Alberta Insurance Council. Upon approval, you will be sent an email notification to come back to the webcast presentation console to download your personalized certificate from the tool bar. To be eligible for CE credits, you must register individually, watch the webcast in full and complete a short quiz. It is the advisor's responsibility to ensure Continuing Education credits being offered are accepted by their 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. 
   
   This webcast is available in English only. 
    

   Date posted: March 13, 2025

7. Lin covers her life, her partner, her home, and business with Equitable’s Term Life insurance Lin has just opened her new business. Her partner Terri has supported her through it all, managing the bills and the mortgage so Lin can focus on getting her store established. Lin knows they’ve both worked so hard to achieve what they have.
   
   She wants to make sure they’re covered in case anything happens to either of them.
   With Equitable Life^® Term Insurance, Lin can get affordable life insurance, which covers her and Terri’s current needs but is also flexible enough to change as their needs change.
   
   This video can help you start the conversation with clients about Term insurance. It walks them through the different term options and the value of being able to convert term coverage to a permanent life insurance policy later on. It also details the KIND^TM benefits that are currently available with Term insurance.
   
   Plus, check out our Term product page, then click on the Marketing Materials tab for the latest Term marketing materials.
   
   Want to learn more? Reach out to your local wholesaler.
   
   
   
   
   Watch our new Term insurance with Equitable Life of Canada video to learn more. See it on Vimeo or YouTube.
   
   
   
    
   ^® and ™ denote trademarks of The Equitable Life Insurance Company of Canada.
8. NEW MARKETING MATERIAL! Flexibility for supplemental income with Equimax Equitable has created a new piece to help you understand our new Equimax^® illustration feature, Paid-Up Additions (PUA) to Cash Dividends, now available!
   
   Did you know Equimax clients can switch from the PUA dividend option to the cash dividend option by simply requesting a dividend option change?^1,2
   
   You can illustrate this for paid-up 10 pay and 20 pay Equimax plans! Show clients how they can build in added flexibility and use their policy to create a source of future supplemental income by simply changing the dividend option to cash.³
    
   Illustration Considerations:
   ● Works with Equimax Estate Builder^® or Equimax Wealth Accumulator^®.
   ● Illustrate the Excelerator Deposit Option (EDO) to help build the policy values while the PUA dividend option is in effect. EDO payments can’t be made once the policy is switched to the cash dividend option.
   ● If a client needs temporary insurance coverage – like mortgage protection - illustrate term riders for how long they are needed to meet the specific goal.³
   ● If critical illness coverage is needed our competitively priced 20 pay critical illness riders are a great fit to provide paid-up critical illness coverage.³ 
   
   Clients should apply for the coverage they need. This concept is about flexibility to create a future source of supplemental income.
   
   Want to learn more? Check out our new marketing piece: Flexibility for supplemental income with Equimax (2077).
   
   For more information, reach out to your local wholesaler.
    
    
   ^® and ^TM denote trademarks of The Equitable Life Insurance Company of Canada.
   ¹ Dividends are not guaranteed and are paid at the sole discretion of the Board of Directors.  Dividends may be subject to taxation. Dividends will vary based on the actual investment returns in the participating account as well as mortality, expenses, lapse, claims experience, taxes, and other experience of the participating block of policies.
   ² To request a change to the dividend option complete and submit form 558 (Request for Withdrawal of Dividends, Change in Option, or Premium Offset). A client can request a change to the cash dividend option from any other dividend option regardless of the premium type or whether premiums continue to be payable, subject to our current administration rules and guidelines. Some dividend option changes are subject to underwriting. Underwriting is not required to change from the PUA to cash dividend option, however, underwriting is required to change from the cash dividend option to the PUA dividend option.
   ³ This concept is intended to illustrate a one-time switch to cash dividends once premiums are no longer payable for the policy (including premiums for riders). Premiums are paid with after-tax dollars and dividends paid in cash are subject to taxation.  If premiums are payable there will be tax savings for the client to use the before-tax cash dividend to reduce the premium instead of taking it entirely as a cash payment.  This concept is intended for longer term planning, not to meet short term cash needs by switching back and forth between the PUA and cash options. Clients should consider a policy loan or a cash withdrawal to meet short-term cash needs; policy loans and cash withdrawals may be subject to taxation.
    
9. Let’s “Talk Money”: Helping clients feel better about their finances This November is Financial Literacy Month, and the theme is simple but powerful: “Talk Money.” The goal is simple—get Canadians talking about money. When people open up about budgeting, debt, or financial stress, they feel more confident and less alone.
   
   Money and mental health are connected
   Many Canadians feel stressed about money. That stress can affect their mental health. As an advisor, you can help by starting honest conversations. When clients talk about their worries, they’re more likely to take action and feel better.
   
   How advisors can help
   You don’t need to be a therapist. Just listen, ask questions, and offer simple steps. Here are a few ideas:
   
    
   • Ask how clients feel about their finances.
   • Share stories of others who overcame money stress.
   • Celebrate small wins, like setting a budget or saving a little more.
   • Use Equitable’s online learning modules to equip yourself with knowledge to help support client goals.
   • Watch our on-demand webcast: How to stay grounded in a changing world: Supporting financial and mental well-being
   
   Let’s talk money
   Talking about money helps people feel stronger and more in control. This month, let’s help clients open up, take action, and build better habits—financially and emotionally.
   
   If you have any questions, feel free to reach out to your Director, Investment Sales.
10. Earth Day: A simple way to talk about sustainable investing Earth Day is a great time to talk with clients about investing with purpose. This year’s theme—Our Power, Our Planet—highlights the impact of individual and collective choices, including how we invest.
    
    Many Canadians are interested in sustainable investing, which looks at environmental, social, and governance (ESG) factors alongside long term returns. Clients want to understand how the power of their money can support positive change—without sacrificing performance. Sustainable investing can look at things like reducing carbon impact, supporting fair workplaces, and encouraging strong company leadership.
    
    Watch out for greenwashing
    Not all investments labeled “sustainable” are the same. Some products may use the term without real environmental efforts or strategies. This is known as greenwashing.
    That’s where advisors can add value. By understanding how funds are built and what they hold, you can help clients make informed choices they feel confident about.
    
    How Equitable can help
    Equitable^® offers sustainable investing fund options that include ESG considerations as part of a disciplined investment approach. Take this opportunity to review available options and fund details.
    
    You can also support sustainability through how you work with clients. Equitable’s paperless tools help reduce paper consumption and improve efficiency:
    •    Equitable Client Access^® for online account viewing
    •    EZtransact^® for fast, digital transactions
    •    EZcomplete^® for easy, paper free applications
    
    Take action
    Earth Day is a great time to:
    •    Start simple conversations about sustainable investing
    •    Share Equitable’s sustainable fund options with clients
    •    Promote paperless tools that are better for clients and the environment
    
    Small steps—done consistently—can make a meaningful difference for clients and the planet. If you have questions, speak with your Director, Investment Sales.
    
    Date posted: April 22, 2026