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1. [pdf] Benefits of segregated funds in a TFSA
2. Now better than ever! The updated “Understanding participating whole life insurance” (#1038) is here Our most-viewed client guide has gone through a full update. It now features new Equitable^® branding and wording that makes all the difference.
   
   We’ve rewritten it to help clients grasp concepts like dividends better. And to help clients understand how we invest their premium payments in the participating account. It will help you have conversations with clients about the ins and outs of their participating whole life insurance policies.
   
   We’ve also refreshed the visuals throughout. The redone 1038 guide is another way we’re showing our wholehearted commitment to our participating policyholders.
   
   See the EquiNet^® marketing materials page to find the updated 1038!
   
   Want to know more?
   Your Equitable Wholesaler is here to help!
    
3. Now is a great time to look at bonds Bonds have a place in every investment portfolio. They help preserve capital and they offer predictable income. They help diversify portfolios and offer protection from both inflation and a volatile stock market.
    
   Over the past few years interest rates have been rising, which has created a great opportunity for bonds and bond funds. Rising interest rates have lowered the price of existing bonds and increased both the coupon rates for new bonds and yields on existing bonds. Plus, rising rates also create opportunities for capital gains if interest rates fall.
    
   Pivotal Select™ offers four great bond funds to help you diversify client assets. Three of the funds cover North American bonds, and one has a global focus. Learn more about these funds by visiting Equitable’s Fund Overview and Performance website.
    
   To learn why now might be the right time to revisit bonds for clients’ portfolios and more information about our funds, please contact your Director, Investment Sales.
    
   Also, if you missed the Equitable webcast, “Is it time to revisit bonds?” catch up On-Demand.
   
   Date posted: May 16, 2024
4. Important notice: Funds with Deferred Sales Charges The Canadian Council of Insurance Regulators (CCIR) is requiring all insurance companies to discontinue the sale of segregated funds with deferred sales charges (DSC) effective June 1, 2023. This also impacts ongoing or new deposits to some existing segregated fund accounts. Please contact any Equitable Life clients who may be impacted.
    
   How this impacts clients:
   In response to the insurance regulator’s recommendation, Equitable Life^® will be making changes to the administration of certain segregated fund products, which may impact clients. The details are outlined below:
    
   Pivotal Select™ segregated fund product
   On or about May 29, 2023:
   • Funds with DSC or Low Load (LL) sales charge options will be closed to additional deposits. Future deposits must be allocated to the No Load (NL) sales charge option of the funds available within the policy.
   • Any existing amounts held in DSC or LL funds are not impacted and will retain the existing deferred sales charge schedule outlined in a client’s contract. The annual 10% available (20% for RIF policies) for withdrawal without fees continues to apply through to the expiry of the fee schedule.
   • If the default deposit instructions that a client previously provided include funds with DSC or LL sales charge options, these instructions will be automatically updated to the NL sales charge option of the same fund for all future deposits.
   • If a client has pre-authorized scheduled deposits into funds with the DSC or LL sales charge options, these instructions will be automatically updated to the NL sales charge option of the same funds for all future deposits.
   • In alignment with our current administrative rules, if a client has DSC or LL funds, they will not be able to make deposits into No Load Chargeback funds (NLCB and NLCB5) within the same policy.
    
   Legacy segregated fund products
   Ongoing deposits to DSC funds are permitted when a segregated fund product does not have an alternative sales charge option available within the contract. This applies to the following products:
   • Personal Investment Portfolio
   • Pivotal Solutions II
   • Pivotal Solutions DSC
   As a result, clients who own these types of products may continue to make new deposits to the DSC funds within their policy. Any new segregated fund deposits, as well as any existing segregated fund amounts within their policy will retain the deferred sales charge schedule outlined in their contract.
   
   If a client plans on making additional deposits, they may be interested in alternative sales charge options that do not include DSC. For example, Equitable Life offers “No Load” (NL) and “No Load Chargeback” (NLCB and NLCB5) sales charge options within the Pivotal Select segregated fund contract. In these situations, a new application would need to be completed and submitted.
   
   Please note that draft regulation in Quebec is currently under review which may impact Equitable Life’s approach for Quebec clients with legacy segregated fund products.
   
   Equitable Life will continue to monitor provincial regulatory developments and adjust our approach as needed.
    
   Client communication
   We will be sending clients a letter within their December 31, 2022, statement describing their options, and the impacts to their policy (if applicable). We recommend that you contact clients to discuss the contents of Equitable Life’s letter and provide any advice that they may need regarding ongoing deposits to their segregated funds. You can access a copy of the client letter here:
   • Pivotal Select letter
   • Legacy letter

    If you have any questions, please reach out to our Advisor Services Team at 1.866.884.7427.
   
   December 23, 2022
   
   ™ or ® denote registered trademarks of The Equitable Life Insurance Company of Canada.

5. Our service standards - Individual insurance
6. [pdf] Service is our business
7. [pdf] the myFlex Difference
8. Simpler juvenile policy approvals

   A win for you and clients 

   
   Get insurance protection in place more quickly for kid’s policies with an enhanced juvenile underwriting model. It’s an industry-leading predictive model that extends existing auto-assess capabilities for your juvenile applications.  
    
   What does this mean for you?   
   You will notice reduced wait times as clients get the protection they need faster. And you will receive your commission quicker as well. This gives both you and your Equitable^® underwriter time to focus on supporting your complex cases to bring you our best offer. The new auto-approval model for juvenile policies is a win for all. 
    
   Give us a try!  
   See for yourself how we can help you get protection in place for clients quickly. 
   
   Contact your Equitable wholesaler for more information.
   
   ^® or ^TM denote trademarks of The Equitable Life Insurance Company of Canada.
9. Financial planning concepts & tools
10. Submit PADs in a fraction of the time? It’s true…

    
    Skip the paperwork and get Pre-Authorized Debit requests submitted instantly!
    
    Are you still submitting pre-authorized debit (PAD) requests via fax or email? You could be saving time and effort by using EZtransact^TM instead:

    • Pick the client's name from your list of clients.

    • Choose the bank account from a list of pre-filled options.

    • Have the client e-sign the form.

    • Hit submit – form is sent to Equitable instantly.

    • Your MGA office receives a copy at the same time.

     
    No more scanning, saving, uploading, emailing, or faxing.
    
    
     
    Get to know EZtransact in time for RRSP season and fast-forward your sales process.
    
    
       
     

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