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- Advisor Guide
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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.
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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.
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New rules in effect for all Quebec applications
The Quebec Regulatory Tribunal (AMF) made an important decision about selling insurance products to Quebec residents. As a result, Equitable® has changed its licensing rules for all future sales to clients in Quebec.
Effective on November 28, 2024, you must be licensed in Quebec to submit an application for a client who lives in Quebec. This requirement applies to all insurance and investment products.
Regardless of where the application is signed, if you meet with a client whose primary residence is in Quebec, you must be licensed in Quebec to submit on the client’s behalf.
If you are not licensed in Quebec, you will need to get licensed in Quebec for applications for Quebec clients to be processed.
What about licensing for clients outside of Quebec?
In all cases, we encourage you to be licensed in the province where a client lives to be able to do business or provide ongoing service.
Equitable is committed to providing solutions and service that is in the best interests of clients and advisors alike. We appreciate your continued support.
Questions?
Your Equitable Wholesaler is here to help.
You may also reach out to Advisor Services for more details. Email eastern-service@equitable.ca or call 1-800-668-4095.
® or TM denote trademarks of The Equitable Life Insurance Company of Canada. -
No printing, no scanning—just EZcomplete
EZcomplete® is your simple, digital tool for submitting applications for Equitable’s Pivotal Select™ segregated fund lineup.
How does it work?
EZcomplete® guides you step by step. Once the documents are ready for client review and signature, just enter the client’s email address and give them a secret passcode. They’ll get a secure link to review and sign the documents—no printing or scanning needed!
When can I use it?
Use EZcomplete® for both in-person and non face-to-face meetings. It works with individual, joint, or business clients. You can use it on a tablet, laptop, or desktop with internet access—whatever works best for you.
Why use EZcomplete®?
It’s fast, easy, and secure. For non face-to-face meetings, clients can sign documents remotely using their own device.
Start using EZcomplete® today and make your application process smoother than ever.
If you have any questions, feel free to reach out to your Director, Investment Sales.
Date posted: October 7, 2025 -
New online course available
Boost your knowledge and earn CE Credits
Looking to deepen your understanding of Universal Life insurance and get a new CE Credit?
Equitable is excited to offer a new addition to our online learning center: The mechanics of Universal Life. Whether you are new to the concept or looking to refresh your expertise, this course will help provide the knowledge you need to start conversations with clients.
Our CE credit courses allow you to learn at your own pace and earn CE credits quickly and easily.
Available Courses:
• The mechanics of Universal Life *NEW*
• Introduction to Whole Life Insurance
• Participating Whole Life for the Children’s Market – A head start for tomorrow
• Path to Success - Expert Advice on Navigating CI Sales
• Ensuring a Compliant, Needs-based Insurance Sale
• Where UL Fits in your product portfolio
• Building your business with Critical Illness insurance
• Harness the Power of Whole Life Cash Value
A few important notes before you get started:
• The programs are hosted on Teachable: https://equitable-life-education.teachable.com
• Username: Please use your email address that you are contracted with
• Password: Equitable
• Please use Google Chrome to access the courses
You can earn CE credits right away when you complete these courses.
Start earning CE Credits!
Check out the individual insurance online learning centre on EquiNet to stay up to date on new courses.
All courses are accredited by Alberta Insurance Council, Insurance Council of Manitoba, The Institute for Advanced Financial Education, and Chambre de la sécurité financière*.
Questions?
Contact your local wholesaler.
Are you having trouble logging in?
Email equitableiimarketing@equitable.ca for assistance. - Choosing the right funds
- [pdf] Limited Trading Authorization
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Let’s talk about Critical Illness insurance, the Equitable way.
Having critical illness insurance benefits in an important time of need is so valuable. Get the right critical illness insurance coverage for your clients.
In 2022, we made some significant updates to our EquiLiving® Critical Illness insurance plans to provide better choices and features for clients.
These significant updates included:
● The addition of Acquired Brain Injury as a covered condition
● The addition of 20 pay options allowing more choice when choosing the right plan for your clients
● The removal of the age restriction for juveniles to claim for Loss of Independent Existence
Plus, a Canadian first, the addition of Cloud DX. Cloud DX is a value-added service that provides remote patient monitoring to claimants in addition to the full critical illness benefit paid by Equitable Life®. Cloud DX delivers medical grade hardware directly to the client so that Cloud DX can remotely monitor their vitals to help ensure they are on and stay on the road to recovery.
View our new Critical Illness video on YouTube or Vimeo!
With these updates and more, EquiLiving Critical Illness Insurance is there for clients, not only at time of their claim but also during their recovery. To learn more about Critical Illness insurance, the Equitable way, contact your local wholesaler.
*Cloud DX is a non-contractual benefit and may be withdrawn or changed by Equitable Life® at any time. To be eligible for the Cloud DX offering, a claimant must be age 12 or older and have received payment on or after February 12, 2022 for a covered critical condition benefit under an individual critical illness insurance policy issued by Equitable Life. An early detection benefit payment does not qualify. Equitable Life pays for 6 months of Cloud DX subscription fees. If the claimant wishes to continue the Cloud DX service after 6 months, they will be responsible for the cost.
® and TM denote trademarks of The Equitable Life Insurance Company of Canada.
- [pdf] myFlex - How it works, what to consider