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Turn ‘time in the market’ into client momentum

If clients are saving for a first home, contribution frequency matters. A simple compounding lesson helps them understand why bi‑weekly FHSA deposits can build balances faster than monthly contributions and gives you a natural bridge to Equitable’s Grow Your Way Home contest this summer.

Reinforce that bi‑weekly vs. monthly is about time in the market and consistent behaviour, not market timing. Here are a few talking points to reinforce with clients:
1. “Earlier dollars work longer.”
  Bi‑weekly contributions get part of the money invested sooner than a month‑end deposit, giving those dollars more days in the market.
2. “More deposits create more compounding moments.”
  Each deposit can begin earning right away and those earnings can earn too. More frequent contributions increase opportunities for that “interest on interest” effect.
3. “Make it effortless.”
  Align contributions to clients’ paydays. Automating bi‑weekly deposits helps build habit, removes friction and keeps clients steadily moving toward their first home savings goals.
As you continue FHSA conversations this summer, remind clients that contributing more frequently can get their money working sooner. And from May 1 to August 31, 2026, opening an Equitable FHSA account, contributing to their Equitable FHSA, or setting up recurring deposits to their Equitable FHSA earns automatic entries in Equitable’s Grow Your Way Home contest.

Use EZcomplete^® and EZtransact^® to keep contributions seamless and connect with your Director, Investment Sales for additional support, tools and ideas to help you continue these conversations throughout the summer.

® and ™ denote trademarks of The Equitable Life Insurance Company of Canada.

Equitable’s Grow Your Way Home contest: No purchase necessary. Contest period is May 1, 2026 to August 31, 2026. Enter by: opening an Equitable FHSA during the Contest Period; making a deposit to your Equitable FHSA during the Contest Period; or submitting a no-purchase entry. Two prizes of $8,000 each to be drawn on September 21, 2026 will be awarded to clients. The servicing advisor for the contract to which the selected entrant made the deposit is also an eligible winner and will receive 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
Here is what our advisors are saying about Equitable’s EZtransact
You asked US to make EZtransact™ even easier, so we did. We asked YOU to tell us what you think, and you are! Here is what our advisors are saying about Equitable’s EZtransact:

“EZtransact puts Equitable above all our product partners! This was so easy! Thank you!” - Michelle Rolston

“You've done an amazing job with the forms that are so easy to deal with now! Thank you”. - Jane Hanson

“You've got this thing running brilliant” - Gerald Kottke

“Love the ease of this!” - Bradley Radke

In case you missed the most recent updates to EZtransact, advisors can now help clients make segregated fund withdrawals for all account types, and transfer from one fund to another digitally using our self-serve tool. Comments from our advisors since these enhancements were made have been overwhelmingly positive. Thank you!

Get to know EZtransact and fast-forward your sales process. If you have any questions, please contact 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 savingsretirement@equitable.ca.

Date posted: August 22, 2024
[pdf] Personalized Brochure - Benefits of segregated funds in a Tax-free Savings Account
New segregated fund sales charge option from Equitable Life of Canada
On December 7, 2020 Equitable Life® will add a new No Load CB5 (NL-CB5) sales option with a 60-month chargeback schedule to the Pivotal Select™ segregated funds lineup. This new sales charge option complements the recently launched No Load CB (NL-CB) option which has a 36-month chargeback schedule.

This new sales option for Pivotal Select gives you and your clients five sales charge options to choose from: Low Load (LL), No Load (NL), No Load CB (NL-CB), No Load CB5 (NL-CB5) and Deferred Sales Charge (DSC). The addition of NL-CB5 provides an option for those advisors who want to increase the upfront portion of their commission. The benefit to clients is no Deferred Sales Charge to contend with. If your client chooses to withdraw funds within 5 years after purchase, there is a chargeback of commission to you.

By offering five sales charge options, the choice between three distinct guarantee classes (Investment Class (75/75), Estate Class (75/100) and Protection Class (100/100)), and a diverse selection of investment funds, the Pivotal Select contract provides the flexibility to build an investment solution that meets the needs of your clients.

Need to meet with your client online? Our EZcomplete® application makes it easy to process your non-face-to-face applications and do business with Equitable Life. EZcomplete gives you the option to conduct your non face-to-face business easily and quickly, enabling your clients to provide their signature remotely on their own device.

For more information about Equitable’s NL-CB5 or any of Equitable’s products, contact your local Regional Investment Sales Manager or our Advisor Services team at 1.866.881.7427 Monday to Friday 8:30 a.m. – 7:30 p.m. ET or email savingsretirement@equitable.ca.

To learn more, click here.
Manage your business virtually with Equitable Life
As an advisor, we know that physical distancing and self-isolation are proving to challenge the business as usual practise. The good news is that Equitable Life® is here to help. Our self-serve and online tools and resources for Savings and Retirement advisors can assist in maintaining a certain degree of daily activity.

Online Banking
Help your clients during this time of isolation and self-distancing by letting them know about banking online. Online banking is an easy and convenient way for your clients to make additional contributions to non-registered savings plans, Tax-Free Savings Accounts or even last-minute contributions to a Retirement Savings Plan.

Deposits will be made according to the instructions on file. Advisors will receive the regular commissions for any deposits made. Please note that all deposits must originate from the policy owner's bank account.

For more information on using online banking including financial institutions currently registered for direct deposit with Equitable Life, click here.

EZcomplete for non face to face
We know that business still needs to happen, even in times of uncertainty. EZcomplete® can help with that. With our non face-to-face functionality, EZcomplete allows you to remotely connect with your clients. Once the online application is complete, EZcomplete sends your client a passcode that gives secure access to review documents and allows your client to provide an electronic signature. You only need to provide your client’s email address.

EZcomplete makes the process of completing non face-to-face applications more convenient and doing business with Equitable Life EZ. For more information on EZcomplete, click here.

Limited Trading Authorization
Need to make some fund adjustments for your client? Limited Trading Authorization (LTA) is built into the Pivotal Select^TM and Guaranteed Interest Account applications to simplify the process of submitting client requests. Alternatively, the Limited Trading Authorization Form # 14 can be completed. Discretionary trading is not permitted. The advisor must have documented the client’s instructions in the client file. To learn more, click here.

Client Access
Does your client need to make changes to a pre-authorized deposit or beneficiary information, address or banking information? Does your client have a Client Access® account? Client Access is Equitable’s secure online client site that connects clients to tools and policy information. To create a new Equitable Client Access account, your client will need to reference the policy number(s). By registering for Equitable Client Access, policyholders and annuitants can make changes and view information such as:

Details of investment holdings including:
- Up-to-date market value of investments;
- Guaranteed Interest Account (GIA) maturity dates and values;
- Premium amounts, death and maturity guarantees and beneficiary information; and
- Recent account activity.
Details of Payout Annuities including:
- Next payment date;
- Annual income and payment guarantee details; and
- Beneficiary and Annuitant information.
There is also a secure inbox where copies of statements and other correspondence are available. To learn more, click here.

Need help with any of these resources? Contact our Advisor Services team Monday to Friday 8:30 a.m. – 7:30 p.m. ET at 1.866.884.7427 or email savingsretirement@equitable.ca, or your local Regional Investment Sales Manager.
[pdf] Payout Annuities Client Brochure
EZtransact Training and Resources
A New Universal Life Insurance Solution for the 21st Century – Available NOW! Introducing a new universal life solution built for the 21st century: Equitable Generations™ universal life insurance is available for sale NOW!

Check out our Equitable Generations universal life splash page: www.equitable.ca/ul

Our new Equitable Generations universal life insurance
Equitable Generations is a universal life product that offers investment options that resonate with today’s 21^st century client while reducing every fee possible. It also reduces the cost of insurance to help clients maximize their opportunity to purchase coverage and build tax-advantaged wealth.

NEW: EZstart^TM Generations
Today we are launching EZstart Generations which is:
- A mobile-optimized tool for advisors
- Designed to start a conversation and provide a possible universal life solution in under one minute
- Goals based - you can see how Equitable Generations™ universal life insurance can perform at different stages of a client’s life.
Give it a try and use this tool as you are starting the conversation about universal life solutions with clients. EZstart links directly to the EZcomplete® online application for an easy digital experience.

NEW: SMS
Effective today, September 26, 2022 when you submit an application, you can opt-in to receive text message updates for your new business applications.
That’s a text message when:
- The application is received,
- A decision has been made by Equitable Life,
- The policy is ready for delivery, and
- The commissions have been triggered.
Please note, this number is not monitored for incoming texts. Please contact Customer Service with any questions.
Learn more

Find all the exciting details on our virtual launch splash page (www.equitable.ca/ul) and watch our informative videos to get all the information you need to start selling Equitable Generations universal life.

Check out our Equitable Generations universal life splash page: www.equitable.ca/ul

Click on the Marketing Materials tab on EquiNet® for all of our new Equitable Generations marketing materials.
Please contact your Regional Sales Manager for more information.

^TM and ® denote trademarks of The Equitable Life Insurance Company of Canada.
Exchanges
2026 Dividend scale announcement, plus new Performance and perspective par fund report
Good news! Equitable’s Board of Directors has approved maintaining our current dividend scale, including the dividend scale interest rate of 6.40%, effective July 1, 2026, through June 30, 2027.*

These factors are also staying the same:
• The interest rate* used to decide the dividend scale is unchanged at 6.40%.
• The interest rate for policies with dividends on deposit stays at 3.50%.
• The interest rate for most policy loans continues to be 6.50%. **

A stable dividend scale reflects strong, long‑term management of the participating fund.

Find out what’s new with Equitable Individual Insurance and hear the 2026 Dividend Scale announcement

(*French and Chinese events will be partially in English, with sub-titles on screen).

New! Performance and perspective participating fund report
You now have a powerful new resource, Performance and perspective, to support your client conversations about Equitable’s participating fund. It’s designed to give you a transparent view of 2025 participating fund performance to help you explain long‑term value simply, and position Equimax^®participating whole life as a long‑term solution, not just a product.

View the Performance and perspective report: English, French, Chinese

Reasons to use Performance and perspective
• It strengthens your conversations and builds client confidence by showing the participating fund asset mix, historical performance and long‑term approach all in one place.
• It helps you explain with clear visuals how the participating account is managed, not just how it performed.

Why this matters to clients
• They get transparency into where their money is invested.
• They can see how participating solutions are managed over time, not year to year.
• They gain confidence in long‑term planning decisions, supported by facts.

Need more information?
• Dividend Information Page
• 2026 Advisor Dividend Scale Notice
• 2026 Client Dividend Scale Notice

*Dividends are not guaranteed and are paid at the sole discretion of the Board of Directors.
**Applies to new and existing policy loans and automatic premium loans, specifically Equimax^®policies with 9-digit policy numbers beginning with 3 or 8. Older policies may have different loan rates as they reflect the prime interest rate.