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- [pdf] Daily/Guaranteed Interest Account Application - TFSA
- Financial planning concepts & tools
- Equimax Estate Builder® reprice
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Message from Ron Beettam
As COVID-19 continues to spread, we want to reassure you that we remain ready and committed to support you and your clients.
We have a robust and well-tested business continuity plan in place and our business is almost 100% digital. Almost 90% of our employees are now working remotely from home and are maintaining the high level of service you have come to expect from us. We still have a fully functioning Document Services Centre that is managing our incoming and outgoing mail. Our sales and customer service teams remain open to support you and your clients.
Equitable Life’s online application process, EZcomplete®, offers non face-to-face capability and continues to be your go-to resource for managing your business virtually. We are receiving a record number of online applications and are committed to helping you maintain a certain degree of daily activity. EZcomplete® non-face-to-face works for all life, critical illness and segregated fund applications.
Advisors will be pleased to know that we have increased non-medical limits for life insurance. We are also looking at other underwriting changes, digital delivery of life insurance contracts and additional digital payment options.
Our Savings & Retirement advisors will find our new Transaction Authorization Requirements table a valuable resource for submitting forms and documents. Can’t meet with your client in person to get a signature? Not to worry. You can have your client sign a letter of direction and take a picture to authorize a number of transactions.
Transacting in a non face-to-face environment can be a challenge but we will continue to revisit existing processes and look for ways to modify requirements to help you to continue managing your business. All of us are facing an unprecedented number of urgent situations where there is no established protocol. Our commitment to you and your clients is to respond quickly, and to be flexible where we can, tailoring solutions to specific needs.
To stay up-to-date, please refer to Equitable Life’s COVID-19 information page. There you will find the latest information for all lines of business.
As the global situation continues to evolve rapidly, we ask for your patience as our solutions also evolve quickly and accordingly. Rest assured that Equitable Life is unwavering in our support, and we will be here to help you protect what matters most to Canadians.
Ron Beettam, President and CEO -
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 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 If 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. -
Streamline your transactions with EZtransact
Skip the forms and submit more transactions digitally with EZtransact® to see how Equitable® has continued to make it easier for you to do business with us.
What’s new with these updates?
One-time PAD functionality for Daily/Guaranteed Interest AccountWith the recent addition of DIA/GIA PAD to EZcomplete, you can now utilize EZtransact for one-time pre-authorized debits. This means faster processing with one-time deposits for investment instructions to either a DIA and/or GIA (multiple terms) with end-of-term instructions.
Key benefits of these enhancements include:
• enhanced rate guarantees to secure the best rates available for clients,
• daily updated interest rate guide informs you of the latest rates,
• interest rate guarantee valid for three business days, for direct deposits from clients.
Be sure to use EZtransact on your next DIA/GIA one-time deposit request to experience these improvements.
Reduce RSP to RIF conversion timeReduce time and effort submitting Retirement Savings Plan (RSP) to Retirement Income Fund (RIF) conversion requests. EZtransact is continuing to reduce the amount of time it takes advisors to submit conversion requests.
Features include:
• RSP/Spousal RSP to RIF Conversion to effortlessly submit request digitally.
• RIF Calculator to easily calculate your conversions.
Save time with our enhanced digital experience.
Sort & Filter Enhancements
We’ve taken your feedback and made it easier than ever to find the contracts and clients you’re searching for. This improved advisor experience ensures you can:
• Filter “My Clients” By Product Type/ Registration Type
• Sort “My Clients” By Contract Number/ Client Name
• Filter “Transactions” By Transactions Status/ Transaction Type
• Sort “Transactions” By Date
You asked, and we listened! Keep providing us with your feedback on our digital tools. When we grow together, success is mutual.
Get to know EZtransact and accelerate your sales! If you have any questions, please contact your Director, Investment Sales.
Date posted: April 3, 2025 - Exchanges
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New Year, New Opportunities—Explore Equitable’s Competitive Term Life Solution
The new year brings new opportunities to help clients feel confident about their financial future. Equitable’s term rates are among the best on LifeGuide in key markets*, combined with our flexibility and support, making us a great choice for clients. Run an illustration now!
Why choose Equitable for term life insurance?
• Great rates – we’ve recently repriced! On average, we reduced our monthly term rates by 5%. Check out our great term rates for yourself. Tip! For best term rates, choose monthly premiums.
• Flexibility to change the term plan** – life is always changing, and so do life insurance needs. Offer clients the flexibility to:
• Exchange term plans: from Term 10 to Term 20 or Term 30/65. They can also exchange from Term 20 to Term 30/65.
• Convert to permanent coverage: Offer clients the security of changing their term plan to any of our permanent plans without underwriting.
• Partial term conversion with term rider carryover: Convert part of the term coverage into permanent protection and carry over the remaining coverage as any term rider plan.
• Extra support when it matters most – our KIND® program offers a suite of benefits for clients and their families. This reflects our deep commitment to standing by them when it matters most.
Build client relationships with trusted protection
This year, and every year, strengthen your client relationships by choosing Equitable for term life protection. With our flexible solutions, innovative features, and unwavering support, you can help clients move forward with confidence.
Start the year off by helping clients meet their insurance needs with a term plan.
Run a quote today!
Contact your Equitable wholesaler today to learn more!
*Effective November 22, 2025. Our monthly term rates are ranked among the best on LifeGuide when compared against top carriers in key markets.
** Administrative rules and age limits apply to exchanges and conversions. Please see the policy for details. The policy governs in all cases.
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This year’s RSP deadline is March 2, 2026
RRSP deposits to be considered for the 2025 tax year must be:
• Dated March 2, 2026, or before
• Must be submitted to Head Office in good order by March 6, 2026, by 4:00 p.m. ET
RRSP applications to be considered for 2025 contribution year must be submitted in good order by:
• March 2, 2026, 11:59 p.m. ET
RRSP B2B Loans:
• RRSP loan deposits must be received from B2B by March 13, 2026, by 4:00 p.m. ET
Note: Transactions submitted after these dates will not receive a 2025 contribution receipt
Please note that all requirements must be received in Head Office by the above dates to guarantee settlement for year end.
Have you started talking to your clients about their Registered Retirement Savings Plan (RRSP) contributions yet? Equitable® has a range of RRSP solutions that can help meet their needs, including:- Daily/Guaranteed Interest Account
- Equitable Guaranteed Investment Funds™, available in:
- o Investment Class (75/75)
- o Estate Class (75/100)
- o Protection Class (100/100)
Most clients genuinely want to save for retirement, but intentions alone aren’t enough—they need a plan. As their trusted advisor, you can help them understand why making their RRSP a priority is an important step toward long‑term financial security.
To support those conversations
Most clients genuinely want to save for retirement, but intentions alone aren’t enough—they need a plan. As their trusted advisor, you can help them understand why making their RRSP a priority is an important step toward long‑term financial security.
To support those conversations, we’ve pulled together helpful tools and marketing materials that show how an Equitable RRSP can make a meaningful difference in reaching their retirement goals. Resources include:- Investment calculators
- A retirement savings plan is just a relevant now as it was over 60 years ago
- Borrowing money to save money
From January 1 to March 2, 2026, when clients open or add money to an Equitable TFSA or RRSP, they’ll automatically be entered into Equitable’s Snowball Your Savings contest. Two lucky clients will win — and their advisors get to celebrate too! -
Universal life (UL) enhanced – more options to reach more clients
Great News!
Explore the latest enhancements to Equitable Generations™ UL insurance, offering clients greater flexibility to meet their needs.
What’s new for Equitable Generations UL:
• Level cost of insurance (COI) option.* Available for new sales to offer even more choice for clients. Here is how these rates compare to Equation Generation IV Level COI:
• Non-smoker rates have decreased on average by 4% across all ages and bands (Smoker rates have increased on average by 1%).
• New rate bands. $1M and $5M for Level COI**, making our UL solution more attractive to a wide range of clients. * For Level COI, only Account Value Protector is offered as a death benefit option.
**The rate bands for Level COI are $25,000, $100,000, $250,000, $500,000, $1 million and $5 million. The rate bands for YRT remain $25,000, $50,000, $100,000, $250,000 and $500,000.
These enhancements offer a more competitive solution to grow your UL business. See for yourself – run a quote today!
Equation Generation® IV UL is retired. Equation Generation IV is no longer being offered for new sales effective March 21, 2026.
We now have the essential UL features in one powerful solution, Equitable Generations UL.
Video available French and Chinese.
Please refer to the Transition Rules for all the details on processing your applications.
Visit our splash page for full product details
More reasons to choose Equitable® for your UL business
• Wide range of investment choices through some of Canada’s most prominent fund managers (including sustainable investment options).
• We are the only UL carrier to offer target-date investment options.
• Guaranteed Investment Bonus. An annual rate of 0.75% is added to the policy’s account value starting in year 1.
• No policy administration fees. No Linked Interest Option (LIO) administration fees (except for LIOs that track indices).
• Caring claim support through our KINDTM program.
Need more information? Please contact your Equitable wholesaler.
03/23/26