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Advisor Code of Conduct - Updated!
Our Advisor Code of Conduct sets out Equitable Life's expectations of advisors in dealing with clients and other stakeholders. The Code of Conduct forms part of your contractual relationship with us.
We have updated our Code to clarify specific expectations to help you meet regulatory compliance requirements, support your needs-based sales, and treat customers fairly.
Please review our updated Advisor Code of Conduct. - Individual Insurance Marketing Materials
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Equitable Life Dynamic Global Real Estate Fund Select: More than an inflation hedge
Some clients may be missing out on the benefits of real estate investments. In addition to providing an inflation hedge, investing in real estate can help to diversify an investment portfolio and manage overall risk.
Check out Equitable Life Dynamic Global Real Estate Fund Select in this issue of Fund Focus.
The fund aims to achieve long-term capital appreciation and income by investing in publicly listed real estate companies across a spectrum of property types and geographies.
Reasons to Invest:- Access to high-quality and diversified real estate assets through public companies from around the world
- Real estate is an asset class highly sought after by pension funds and institutional investors
- The underlying Dynamic Global Real Estate Fund is the oldest real estate mutual fund in Canada (1996)
- A key pillar is protecting capital – manager focus is on providing downside protection
- Competitive MER of 2.64%*
Date posted: April 14, 2023
* effective December 31, 2022
™ or ® denote registered trademarks of The Equitable Life Insurance Company of Canada. -
Roll out the red carpet for a refreshed Term!
We are pleased to announce that updates to our Term life insurance solution are now live! We believe that Term life insurance can deliver value to clients at every stage of their life journeys. Be it at renewal or at conversion, Term is a flexible and affordable life insurance solution for clients today and into tomorrow.
On February 3rd, 2024, we refreshed our Term life insurance solution. Some of the existing and new updates with our Term offering include:
● More targeted, competitive pricing,
● Benefits re-aligned under the KIND™ program,
● Yearly renewals. After the initial term of level premiums, Term life insurance will now renew yearly with premiums gradually increasing each year. This will help clients keep their Term protection longer without large premium increases.
With these updates and more, our Term solution doesn’t just “do the job,” it’s what clients want!
Visit our splash page and watch our informative video to learn more and start selling today!
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View our Transition Rules for all the details on processing your applications.
We’ve also updated our illustration tool:
● New Desktop illustration software
Want to learn more?
Contact your Equitable wholesaler anytime!
® or ™ denotes a trademark of The Equitable Life Insurance Company of Canada. -
Let’s “Talk Money”: From first savings to retirement income
Financial Literacy Month may be ending, but the conversation shouldn’t.
Talking with an advisor helps normalize money conversations— including discussions on saving, spending, managing debt, and more. This can help clients feel better and make smarter financial choices. As an advisor, you can guide clients from their first savings through to retirement with Equitable® .
Starting out? Clients can consider:
Tax-Free Savings Account (TFSA)
Save for short- or long-term goals and take out money anytime, tax-free.
First Home Savings Account (FHSA)
Save up to $40,000 tax-free for a first home. Contributions may be tax-deductible, and withdrawals are tax-free for buying a qualifying home.
Growing wealth? Clients can consider:
Registered Retirement Savings Plan (RRSP)
Contributions may be tax-deductible. Good for long-term savings—money grows tax-free until retirement.
Guaranteed Interest Account (GIA) / Daily Interest Account (DIA)
Earn steady interest with flexible terms. Available in a TFSA, RRSP, and FHSA.
Retirement ready? Clients can consider:
Payout annuities
Guaranteed income for life or a set time. Helps make sure savings last.
Resources to support these conversations
Use our easy online tools: EZcomplete® to apply and EZtransact™ for transactions. Let’s help Canadians save smarter—one step at a time. When we work together, success is mutual.
Reach out to your Director, Investment Sales if you have questions. - Path to Success Module 4
- [pdf] Market Commentary October 2025
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A great reason to reconnect on HBP and FHSA planning
If you’re already talking to clients about buying their first home, there is a simple way to make those conversations more relevant and drive meaningful business this summer.
The Government of Canada is extending the Home Buyers’ Plan (HBP) grace period by three years. For withdrawals made between 2026 and 2028, clients will not need to start repayments until five years after their first withdrawal.1
That is an easy, relatable way to start a conversation:“This gives you more flexibility right after you buy when expenses are often at their peak.”
From there, it naturally opens the door to broader First Home Savings Account (FHSA) planning. As clients save for their first home, it is not just about growth, it is about helping them stay confident and invested along the way. Equitable Guaranteed Investment Funds can support that goal, with features like maturity and death benefit guarantees that can help during market volatility. And there is a timely reason to act.
From May 1 to August 31, 2026, certain FHSA actions — opening an account and every contribution— earns an entry into Equitable’s Grow Your Way Home contest. Supporting clients is simple with EZcomplete® and EZtransact®.
Why this matters for you and clients
This HBP adjustment is more than an update; it’s a built-in opportunity to:
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Reconnect with clients who are early in their wealth journey
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Spark new homeownership conversations with simple, relevant entry points
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Discuss FHSA contributions and ongoing savings
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Deepen relationships by supporting a major life milestone
Speak to your Director, Investment Sales for more information and help guide clients through FHSA benefits, contribution strategies and simple ways to automate their savings throughout the summer. Together, you can help them move confidently toward their first home purchase.
1 canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans/what-home-buyers-plan/repay-funds-withdrawn-rrsp-s-under-home-buyers-plan.html
® 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.
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