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[pdf] Business Information Form
[pdf] Application for Contract To Sell Insurance Products and Request for Sponsorship
New internal transfer enhancement available on Equitable’s EZcomplete
Advisors will now notice a new internal transfer enhancement in EZcomplete®, Equitable’s online application platform — and it’s designed to make life a whole lot easier. With this update, moving a client’s funds from an existing Equitable® segregated fund contract into a new Equitable Guaranteed Investment Funds™ contract is now faster, smoother and far more intuitive.

Here’s what you can expect:
- A clear, consolidated view of clients’ current contracts.
- Key details — like product type, current market value, sales charge and Guaranteed Interest Account terms — displayed right up front.
- Options to complete full or partial transfers.
- Helpful alerts that guide you through each step and help prevent mistakes.
Everything you need to complete an internal transfer is now in one spot — no more digging through old statements or searching for external documents. It’s a more streamlined, transparent experience for both you and clients.

You can access the enhancement directly within EZcomplete (Individual Wealth).

If you have questions, speak with your Director, Investment Sales or Advisor Services Team Monday to Friday, 8:30 a.m. – 7:30 p.m. ET at 1.866.884.7427, or email individualwealth@equitable.ca.

® or ™ denotes a trademark of The Equitable Life Insurance Company of Canada.
[pdf] Payout Annuity Interest Rate Guarantees (Advisor)
Growing your business in the large case market At Equitable^®, we’re growing at a rapid pace in the large case market. We’re excited to share a new video highlighting all the great reasons to choose Equitable for large case clients—featuring Rob Hollingsworth, Head of Distribution and Product Marketing, Individual Insurance.

Highlights at-a-glance
•   We have capacity up to $130 million ultimate net amount at risk
•   Up to $10 million internal retention
•   Our mutual structure gives us a number of advantages, including the ability to provide personalized service

Equitable offers full support to help you work on large cases and successfully implement solutions, and we’re continually adding tremendous experience and talent to our organization. Our team of wholesalers, specialized underwriters, advanced case consultants, and tax and estate planning professionals are here to support you with your complex and larger files.
Our large case market webpage not only features our new video—it also showcases our team of large case experts and includes a growing list of marketing materials and resources to help you succeed.

Do you have a large case client opportunity, and want to expand in the large case market?

Visit our large case markets webpage to learn more.

^®or ^TM denotes a trademark of The Equitable Life Insurance Company of Canada.

Savings & Retirement - Updated Application Forms There are some important updates to share with you. The applications listed below have been updated for content and formatting. The changes also include the removal of maximums for Quebec Life Income Funds.Equitable will accept the previous versions until March 31, 2025, but on April 1, 2025, only the new versions will be accepted.

Form #	Application	New Version	Previous Version
1383	Pivotal Select TFSA Application	2024/11/01	2023/05/29
1384	Pivotal Select Registered/Non-Registered Application	2025/01/01	2023/05/29
2086	Pivotal Select FHSA Application	2024/11/01	2023/08/01
796	Daily/Guaranteed Interest Account TFSA Application	2024/11/01	2024/07/01
799	Daily/Guaranteed Interest Account Registered/Non-Registered Application	2025/01/01	2024/07/01
2087	Daily/Guaranteed Interest Account FHSA Application	2024/11/01	2024/07/01

Updated Form Names

Equitable has updated the names of the Special Quote Request forms for the DIA/GIA and Payout Annuity.

New Name	Previous Name	When to use
Custom Quote – DIA/GIA (Form # 686)	GIA Special Quote Request form	Any deposit to the Daily Interest Account or Guaranteed Interest Account that is equal to or greater than $1 million.
Payout Annuity - Custom Quote (Form #687)	Payout Annuity Special Quote Request form	Any non-standard annuity quote (i.e., exceeds maximum deposit or age, pension matching, etc.)

Simplified Conversion Process for Legacy Products

The simplified conversion process should make things easier for advisors. By using the RRSP to RRIF Conversion Form #1673, you can convert legacy products, like RRSP to RRIF and LIRA to LIF, without the need to complete an application.

If you have any questions, reach out to your Director, Investment Sales.

Posted January 27, 2025

NEW MARKETING MATERIAL! Equimax Participating Whole Life, Strong and Stable Dividends Participating whole life policyholders can get some of the participating account earnings back as dividends.^₁

Dividend scales change over time. This new marketing piece shows how the actual values of policies look like against those that were estimated. It looks at two sample policies and compares them to the original sales illustrations. One example shows an Equimax Estate Builder^® policy. The other example shows an Equimax® Wealth Accumulator^® policy.

We are proud of our strong and stable dividend results. We have paid dividends to our participating policyholders every year since 1936. And we’re still going strong!

We want to make sure that we can continue to provide long-term income and growth to support the dividend scale and meet the product guarantees. We do this with constant focus on how we invest and manage risk to support the participating account.

As a mutual life insurance company, we are owned by our policyholders who count on us and our services. Their trust in our knowledge, experience, and financial strength helps us keep our commitments to them—now and in the future.

Dividend scales may change.² But with a balanced approach, Equitable Life’s Equimax® Participating Whole Life continues to deliver excellent value. It gives guaranteed life insurance protection with the potential for earnings.

Want to learn more? Check out our new marketing piece: Equimax Participating Whole Life, Strong and Stable Dividends (2075).

For more information, reach out to your local wholesaler.

^®and ^TMdenote trademarks of The Equitable Life Insurance Company of Canada.
¹Dividends 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.
²If low interest rates continue, investment returns will be lower, and this may mean decreases in the dividend scale in the future. Dividend payments are not guaranteed, but they will never be negative.
Updated Temporary Resident Guidelines We are excited to announce that we have liberalized our Temporary Resident Guidelines.

● The validity period requirement of the supporting documentation for all Temporary Residents has been lowered to three months
● Student Visa holders attending post secondary educational institutions may qualify for a total coverage of $500,000, and – if employed – even for $1,000,000

We will now ask for the following information:

● Information regarding the educational institution and programme for all amounts over $250,000 (typically includes online validation)
● A maximum of $500,000 may be available for students enrolled in professional programmes, as defined in our Student Financial Guidelines (e.g., medical, law, etc.)
● A maximum of $1,000,000 may be available for students who are legally and gainfully employed. For this, we require proof of current employment and the CRA Notice of Assessment for the previous year. Should both be satisfactory, the allowable face amount will be calculated according to the published Work Permit guidelines. If applying for over $500,000, a minimum one-year period after arrival to Canada is required.
● Students enrolled in elementary or secondary school are eligible for a total coverage of $250,000. Exceptions may apply if the parents are insured or applying for minimum $1,000,000. We will confirm the parents’ respective occupations, incomes, and residency statuses

Read more about the details of the changes in the updated Residency Guidelines form 1530.

Please contact your Regional Sales Manager for more information.
Manage more details within Contract Delivery for New Business applications We are excited to announce further enhancements to our eDelivery process to empower you, the advisor, the ability to manage client details more easily within Contract Delivery.

Effective January 15, 2022, advisors will need to create a Password within Contract Delivery when choosing “eDelivery” as the contract delivery method and provide the password to the client to use as their password:

The Password must be between 4 and 100 alpha/numeric characters, and cannot be the Policy number. For multiple signers the password (and email address) must be unique per each signer.

Advisors can now edit and/or update an email address within Contract Delivery, in the event of a bounce back or email change, to keep the eDelivery process moving and avoid delays in processing time. If a lock out occurs, advisors can trigger a resend of the signing email once they add a new valid email address in Contract Delivery. Simply click the pencil icon beside the Email field to enter the valid email address:

Another new feature- in the event a client has declined, the advisor will get an email from Equitable Life^®. Click through to EquiNet^® within the email to view the message within Contract Delivery that the client provided as the reason for decline under a new “Declined Details” section. This enables you to connect with the client to proceed with the sale by discussing the reasons for decline with them directly.

Also new for clients with this enhancement, policy owners of a policy created after January 15 will be able to see a PDF copy of their policy within client access. Note: this PDF copy is as the policy was originally issued.

Resources:
- eDelivery of a Contract - New Business
- eDelivery FAQ
Our Critical Illness Insurance Path to Success Program Our Critical Illness Insurance Path to Success program was designed with you, the Advisor, in mind.

Path to Success: Expert Advice on navigating CI Sales provides you with actionable ideas and scripts that you can implement immediately into your critical illness insurance meetings. CE Credits are available if you review the program in its entirety and complete the quizzes at the end of each section.

Learn more about the CI Path to Success Program
Next steps:
If you have any questions or are interested in getting access to this program, please reach out to your Regional Sales Manager directly.

Enhancements to our Critical Illness Insurance product EquiLiving®
The timing couldn’t be better for connecting with your Regional Sales Manager to gain access to this program, as we have made recent enhancements to our Critical Illness product that will help you offer more options to clients. We’ve enhanced our EquiLiving plans and riders with:

•  20 pay options with coverage to age 75 or coverage for life
•  Support from Cloud DX to help monitor a client’s well-being from treatment to recovery
•  Added Acquired Brain Injury as a covered critical condition
•  30-day survival period removed for all non-cardiovascular covered conditions
•  No age restriction to claim for Loss of Independent Existence (LOIE)
•  Adult Covered Conditions definitions updated to 2018 CLHIA definitions
•  Increased the number of Early Detection Benefit covered conditions from 4 to 8
•  And so much more …

Contact your Regional Sales Manager to get set up in the program and learn about other CE accredited presentations happening each week.