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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)
Tools and materials to help you start the conversation
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:
And don’t forget…

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 KIND^TM program.

Need more information? Please contact your Equitable wholesaler.

03/23/26
2026/2027 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.
[pdf] Online Plan Member Enrolment
[pdf] Benefits of segregated funds in a TFSA
[pdf] Application for Fundserv Contract (segregated funds only) - Dealer and Advisor
[pdf] Daily/Guaranteed Interest Account Application - Registered/Non-Registered
[pdf] Insights into non-registered taxation
Equitable Life Group Benefits COVID-19 Update
The test of a great partner is one who stands tall when you and your clients need to rely on them most. As the COVID-19 pandemic continues, we thought you might find it helpful to have a summary of where we are during this crisis.

You can download this PDF version to refer to when meeting with your clients.

We are here with you and for you

We’ve taken several steps to support you, your clients and their plan members during this crisis, including:
- Providing premium refunds for insured, non-refund Health and Dental benefits;
- Waiving the waiting period for short-term disability claimants who tested positive for COVID-19;
- Extending out-of-country travel coverage for plan members who were unable to return to Canada;
- Providing increased flexibility for premium payments; and
- Keeping you and your clients informed with timely Q&As and announcements, webinars, and insights into the impact of COVID-19 on benefits plans.
As well, to commemorate our 100^th Anniversary this year, we donated $4.5 million to purchase and install a new MRI for Grand River Hospital. And we donated $50,000 – $10,000 each – to five charities in British Columbia, Alberta, Manitoba, Ontario and Quebec. For more information about our celebrations, check out our website at www.equitable100.ca.

We have adjusted our business to become digital

Our business is near 100% digital, so the vast majority of our employees are now working remotely from home and are fully functional. Since the pandemic began, our IT and operations teams have digitally enhanced more than 20 different processes and services to make it easier for us to integrate with our distribution partners in this new reality.

We pride ourselves on our customer service

In 2019, our dedication to customer service was recognized with outstanding survey results.
- In a 2019 survey of customers from 15 life insurance companies,¹ Equitable Life ranked #1 on the Net Promoter Score, a measure used across industries to gauge the loyalty of a firm's customer relationships; and
- A survey of Group consultants, brokers and third-party administrators² ranked Equitable Life in the top two insurers across all categories.
For 2020, we continue to deliver service at the same level with no disruptions during this crisis. Our Customer Care Centre remains open to support plan members and can be reached at 1.800.265.4556. And our Client Relationship Specialists are available for Plan Administrator questions and support.

We are financially strong and stable

We remain financially strong and continue to focus on meeting the needs of Canadians. At the end of the first quarter, our Life Insurance Capital Adequacy Test (LICAT) ratio is at 152.5%, well above our goal and the regulatory requirement.

As the global situation continues to evolve, rest assured that Equitable Life is unwavering in our commitments to you and the communities we serve. We are here with you and for you. Please contact your Group Account Executive or myFlex Sales Manager if you have questions or need assistance.

¹LIMRA CxP Customer Experience Benchmarking Program, Life Insurance In-Force Experience 2019

²NMG Consulting’s Canadian Group Benefits Survey 2019
Equitable Life Group Benefits Bulletin – January 2022
Short-term disability coverage for plan members with COVID-19*
Please note: This announcement applies only to groups with short-term disability coverage through Equitable Life

As the COVID-19 pandemic continues, and the situation evolves, we continue to adjust our practices to ensure ongoing support for our plan members.

PCR tests no longer required for COVID-related STD claims

Some provinces have recently restricted access to COVID-19 PCR testing to only high-risk individuals. To ensure your clients' eligible plan members receive their short-term disability benefits in a timely manner, we no longer require a positive PCR test for plan members submitting COVID-19-related STD claims.

Plan members who are experiencing symptoms of COVID-19 or who have tested positive for the virus (either with a PCR test or with an at-home rapid test) and are unable to work from home should complete the Short Term Disability Plan Member COVID-19 Claim Form (#421A).

They should indicate the date of the onset of symptoms or date of their positive test result. Where applicable, they should also indicate the date they have been cleared by public health to end their self-isolation. The form includes an attestation that the information they have provided is accurate.

The employer needs to complete the Short Term Disability Employer COVID-19 Claim Form (#421B). They should indicate the expected return-to-work date according to their provincial health guidelines, or using the date provided by a public health official.

Waiting periods for COVID-related STD claims

To support your clients' plan members during the initial stages of the pandemic, we waived the STD waiting period if a plan member’s absence was due to symptoms or a diagnosis of COVID-19. Now that COVID-19 has become the “new normal,” we are returning to our standard practices and treating the virus as we would any other illness.

Effective Jan. 1, 2022, standard waiting periods will apply for COVID-related STD claims, according to the terms of the Group policy. This ensures that all plan members submitting a STD claim are treated fairly, no matter what the cause of the claim.

Eligible plan members will receive STD benefits up to a maximum of 10 days from the date of the onset of symptoms or a positive COVID-19 test result, minus the waiting period.

For example, if the plan has a five-day waiting period, and the plan member returns to work nine days after a positive test result, they would be eligible for four days of benefits payments.

If the claimant is still unwell after 10 days, then the standard Short Term Disability Claim Form (#421) needs to be completed.

If a plan member is admitted to hospital, benefits will be paid following the waiting period applicable to hospital claims.