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- [pdf] MGA Information in EZcomplete
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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 - Equitable Sales Illustration System User Tips
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Universal life product linked interest option changes
On July 1, 2025, we will be changing the index that is tracked for the linked interest options shown far below.
Clients can change their investment options at any time if they choose. This includes the Linked Interest Option(s) for money currently invested and future deposits.
Requests for this change can be done:
• In writing – Submit the Reallocation and transfer of funds – universal life form (form 693UL).• Online by advisors – Go to Policy Inquiry on EquiNet® (advisor site).• Online by clients – Links in Client Access® through Equitable.ca.Please contact your Equitable® Wholesaler for more information.
Linked Interest Option Universal life insurance solution Currently tracking Effective July 1, 2025 Canadian Equity Index • Equitable GenerationsTM S&P/TSX 60® Total Return Index S&P/TSX Composite® Total Return Index Canadian Equity • Equation Generation® IV• EquiLife®• Equation Generation III• Equation Generation II• Equation
• Direction 2000 Plus
S&P/TSX® 60 Total Return Index and S&P/TSX Composite® Total Return Index registered trademarks of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and S&P Global. All others are registered trademarks of The Equitable Life Insurance Company of Canada.
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Do clients imagine owning a dream home?
We’re here to help make that happen! Clients who contribute to a First Home Savings Account between May 1 and September 30, 2025, will be entered for a chance to win an incredible $8,000 in our Close to Home contest. Whether opening a new account or making an annual contribution, this is a golden opportunity to help them get one step closer to homeownership.Advisors, Your Efforts Matter Too! By guiding clients towards their homeownership dreams, you’ll be entered to win $1,000 as a special thank you for your dedication and support. At Equitable®, we believe that when we grow together, success is mutual.
Don’t Miss Out! Enter today using Equitable’s user-friendly online application platform, EZcomplete®, or process an online transaction with ease using Equitable’s EZtransact®. It’s fast, simple, and could bring clients closer to their dream home.Want to learn more? Speak to your Director, Investment Sales, and help clients take the first step towards making homeownership a reality.
Equitable’s Close to Home Contest: No purchase necessary. Contest period May 1, 2025, to September 30, 2025. Enter by making a deposit to an Equitable FHSA during the contest period or by submitting a no-purchase entry. Two prizes for a total value of $8,000 CAD to be drawn on October 15, 2025, will be awarded. The servicing advisor for the policy to which the selected entrant made the deposit is also an eligible winner and will receive a $1,000 CAD prize. For example, if an Equitable client is a winner of the $8,000 prize, the client’s servicing advisor wins a $1,000 prize. 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 the full contest rules.
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A bright start to July: our Dividend Scale is now active!
Effective July 1st - just in time for summer conversations!
Good news! The Equitable® Board of Directors has approved continuing our current dividend scale for the period of July 1, 2025, to June 30, 2026.
• The interest rate* we use to decide the dividend scale will stay at 6.40%.
• Other factors used to decide the dividend scale will stay the same.
• The interest rate for policies with dividends on deposit will stay at 3.50%.
• The interest rate for most policy loans will stay 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.
*The dividend scale interest rate (DSIR) is different from the participating account (PAR) rate of return. The DSIR smooths out the ups and downs of the participating account experience. The PAR rate of return is the return on the investments in the participating account over the calendar year.
Need more information?
Did you miss our Spring Update & 2025 Dividend Scale Announcement?
Watch it now:
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Your year-end momentum starts today!
Just 79 days left to go in 2025!
As the air turns crisp and the leaves change color, we hope you’re enjoying our beautiful Canadian fall season. But before you get too swept up in the season's fun, remember that the final quarter is also a great time of year to boost your business.
Harvest season for success
Many clients are reviewing their financial goals and plans now. According to LIMRA, nearly 30% of life insurance applications are submitted between October and December1. This means you have a huge sales opportunity.
Why choose Equitable® ?
Clients expect competitive solutions that fit their unique needs well. Equitable offers great products, digital tools, and outstanding service and support. Learn more here.
Act now to finish 2025 on a strong note:
• Review your client list: Identify who needs a check-in before the year ends.
• Spot the opportunities: Year-end financial planning opens doors—don't miss out.
• Leverage our resources: From our e-apps to marketing materials and digital tools, we're here for you.
So, grab your client list (and your pumpkin spiced latte) and make the most of this final quarter. Your Equitable team is here to support you all the way to 2026 — let's finish 2025 strong!
1LIMRA, "Life Insurance Applications by Month," 2025. -
Let’s “Talk Money”: November is financial literacy month
This November, we’re joining the Financial Consumer Agency of Canada’s national campaign to help Canadians feel more confident about money. This year’s theme is “Talk Money”, and it’s all about normalizing money conversations.
Talking about money— including topics like saving, budgeting, or dealing with debt—can feel hard. But when we speak up, we help reduce stress and build stronger financial habits. As advisors, you can lead the way by starting these conversations with clients.
How you can help- Start the conversation: Ask clients about their goals and worries.
- Share tools: Use Equitable® Individual Wealth calculators and learning modules to help guide conversations.
- Support wellness: Money stress affects mental health. Be a calm, helpful voice.
What’s next?
Watch for more Financial Literacy Month updates throughout November. We’ll be sharing tips, tools, and conversation starters to help you connect with clients and support their financial journey.
Let’s help Canadians take small steps toward better financial futures — one conversation at a time. -
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 -
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.
1 Investment 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!