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1. Give clients guaranteed retirement income with Payout Annuities
   With increased market volatility and interest rates higher than we have seen for much of the past decade, now is a great time to consider payout annuities. Payout annuities can provide regular guaranteed income regardless of how markets perform. 
    
   Clients using only a Systematic Withdrawal Plan (SWP) for retirement income are potentially vulnerable during times of market volatility due to the sequence-of-returns risk.¹ When markets are down, more units are redeemed to cover income needs. When markets later rise, clients are not able to participate fully in the recovery because more units were redeemed to provide income. That is why having a guaranteed income component, like a payout annuity, as part of an overall retirement strategy is so important.
    
    
   Three great reasons to consider Equitable Life® for your payout annuity business:
   
   1. Choose from a variety of payout annuity options including:
      
        A. Life Annuity – guaranteed income for one life
        B. Joint Life Annuity – guaranteed income for two lives
        C. Term Certain – guaranteed income for a specific period of time (5 to 30 years)
        D. Term Certain to Age 90 – guaranteed income until age 90
   
   2. Attractive rates, particularly in Registered and Term Certain Annuities
   
   3. Step Up Your Wealth Sales program - 25% of payout annuity net sales qualify for the 0.75% bonus commission earned on net deposits for 2022²  
   
   
   
   For more information, please contact your Equitable Life Regional Investment Sales Manager.
    
    
   ¹Sequence-of-returns risk, or sequence risk, is the risk that an investor will experience negative portfolio returns very late in their working life and/or early in retirement.
    ²All eligible deposits, sales, and redemptions occurring between January 1 and December 31, 2022, will be used to calculate an advisor’s 2022 net deposits.
    ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
2. Give clients guaranteed retirement income with Payout Annuities
   With increased market volatility and interest rates higher than we have seen for much of the past decade, now is a great time to consider payout annuities. Payout annuities can provide regular guaranteed income regardless of how markets perform. 
    
   Clients using only a Systematic Withdrawal Plan (SWP) for retirement income are potentially vulnerable during times of market volatility due to the sequence-of-returns risk.¹ When markets are down, more units are redeemed to cover income needs. When markets later rise, clients are not able to participate fully in the recovery because more units were redeemed to provide income. That is why having a guaranteed income component, like a payout annuity, as part of an overall retirement strategy is so important.
    
    
   Two great reasons to consider Equitable Life® for your payout annuity business:
   
   1. Choose from a variety of payout annuity options including:
      
        A. Life Annuity – guaranteed income for one life
        B. Joint Life Annuity – guaranteed income for two lives
        C. Term Certain – guaranteed income for a specific period of time (5 to 30 years)
        D. Term Certain to Age 90 – guaranteed income until age 90
   
   2. Attractive rates, particularly in Registered and Term Certain Annuities
   
   
   
   For more information, please contact your Equitable Life Regional Investment Sales Manager.
    
    
   ¹Sequence-of-returns risk, or sequence risk, is the risk that an investor will experience negative portfolio returns very late in their working life and/or early in retirement.
    ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
3. Path to Invest
4. [pdf] Equinet FAQ
5. EquiNet-FAQ
6. Life Policy Collateral Loans
7. 100 years strong

   As COVID-19 continues, we want to reassure you that Equitable Life remains financially strong and committed to supporting our clients.

   We are financially strong and stable

   Our commitment to your health, wealth and overall well-being remains unchanged. This global pandemic has impacted the way we do business, but we continue to focus on our strategic goals while meeting the needs of Canadians. These three factors speak to our financial strength and stability:
   
   • Equitable Life has a global credit rating of ‘A’ with a positive trend from DBRS Morningstar in recognition of our ability to adapt to the current business environment and prudent risk profile;
   • We are maintaining our current dividend scale for the period July 1, 2020 to June 30, 2021; and
   • Our Life Insurance Capital Adequacy Test (LICAT) ratio remains well above our goal and the minimum that is required at 152.5% at the close of the first quarter.We pride ourselves on our customer service
   
   Being recognized for its service culture across all lines of business is a point of pride for a company that includes ‘customer focus’ as one of its three corporate values. In 2019, our dedication to customer service was recognized with these outstanding survey results, proving we have the We have the knowledge, experience and ability to find solutions that work for you:
   • Equitable Life ranked in the top quartile for segregated fund service in 2019 survey of advisors and MGAs¹ ;
   • In a 2019 survey of customers from 15 life insurance companies,² 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 administrators ³ ranked Equitable Life in the top two insurers across all categories.

   We have adjusted our business to become digital

   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. Our sales and customer service teams remain open and available to support you and your customers.

   
   We are here with you and for you

   • 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, as part of our Equitable Gives Back Contest, we donated $50,000 –  $10,000 each – to five charities in British Columbia, Alberta, Manitoba, Ontario and Quebec. As well, we are celebrating by randomly selecting policyholders to receive a $100 and three grand prizes. For more information about our celebrations, check out our website at www.equitable100.ca.
     
     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.
   ¹ Life Ops Consulting Group Distribution Service Satisfaction Surveys 2015-2019, Independent Advisors
   ²  LIMRA CxP Customer Experience Benchmarking Program, Life Insurance In-Force Experience 2019
   ³ NMG Consulting’s Canadian Group Benefits Survey 2019
    
8. Understanding segregated funds
9. EAMG market commentary
    

   March 11, 2022
   
   Since Russia first invaded the Ukraine, there’s been no shortage of headlines and commentaries trying to make sense of the situation. This is a tragedy that from a humanitarian standpoint that can’t be made sense of and our hearts go out to the people of Ukraine and those impacted. From a market standpoint, the common thinking is that geopolitical risks, aka war, historically haven’t been associated with significant corrections in the market. So far, the market reaction has been consistent with the historical experience, with the S&P 500 down only about 1% since the start of the conflict and the S&P/TSX Composite Index up close to 4%, despite the heightened daily volatility.
   
   Given the obvious challenges of predicting how these types of conflicts play out, we look to financial market indicators to give us a better sense of the potential risks in the market. And in this respect, the most obvious indicator is oil. Since the start of the Russian invasion, oil has rallied roughly 18%, which is even more impressive considering it had already rallied 21% from the start of the year to the beginning of the conflict.
   
   While we don’t know what will happen to energy markets over the coming weeks, we do know that oil shocks can result in higher inflation and sometimes lower growth. Inflation was already rising, although strategists generally viewed this as temporary on the expectation that the covid related supply chain disruptions and reopening pressures were the primary causes that would eventually self-correct. But as the Russian-Ukraine conflict intensifies, consensus views are moving towards inflation becoming more structural in nature. There are growing risks this will change consumer behaviour, causing inflation to be longer lasting than initially expected. Much of this has to do with the fact that as the world’s 3rd largest exporter of oil, Russia has taken a material amount of oil production capacity offline, resulting in significantly higher oil and gas prices. This also explains the significant outperformance of energy equities, and the broader S&P/TSX Composite Index vs US counterparts on a YTD basis.
   
   While there are beneficiaries to higher oil prices, the consumer certainly isn’t one of them given gas prices reflect movements in the oil market. So far in 2022 prices paid at the pump have gone up 30%, one of the fastest paces on record. This, in addition to food price increases, will put strain on the consumer as higher bills divert dollars away from discretionary spending and potentially slow economic growth.
   
   The other factor we’re closely watching is the overall health of the European economy, to which Russia supplies about 40% of Europe’s natural gas, 25% of their oil imports and 45% of their coal imports. While the European Commission has indicated plans to cuts their dependence on Russian energy well before 2030, the short-term impacts will be costly as Europe and other global markets see higher energy prices follow. As well, food prices will likely become an issue for the region given the interruption of supply out of the Black Sea which has driven grain and oilseed prices to levels not seen since 2008. Investors to date have priced in significant risk, evidenced by the performance of the Stoxx 50 which is down 17% YTD, one of the worst performing markets across the global universe.
   
   While commodity prices are just one indicator, we are mindful that they could be telling us inflation may be more persistent than previously expected. From a long-term perspective this hasn’t changed our view of the equity market. As a result of potential near term impacts however, we have reduced our exposure to European markets in favour of the Canadian market and as well we have added inflation and risk hedges with sector allocations to energy, consumer staples and utilities, while still maintaining our overall long-term target levels to equities. There is no direct exposure to Russia in any of the three Equitable Life Active Balanced Portfolios which includes Equitable Life Active Balanced Growth Portfolio Select, Equitable Life Active Balanced Portfolio Select and Equitable Life Active Balanced Income Portfolio Select.

   
   Downloadable Copy

   Any statements contained herein that are not based on historical fact are forward-looking statements. Any forward-looking statements represent the portfolio manager’s best judgment as of the present date as to what may occur in the future. However, forward-looking statements are subject to many risks, uncertainties and assumptions, and are based on the portfolio manager’s present opinions and views. For this reason, the actual outcome of the events or results predicted may differ materially from what is expressed. Furthermore, the portfolio manager’s views, opinions or assumptions may subsequently change based on previously unknown information, or for other reasons. Equitable Life of Canada® assumes no obligation to update any forward-looking information contained herein. The reader is cautioned to consider these and other factors carefully and not to place undue reliance on forward-looking statements. Investments may increase or decrease in value and are invested at the risk of the investor. Investment values change frequently, and past performance does not guarantee future results. Professional advice should be sought before an investor embarks on any investment strategy.

10. Giuliano Savini, Top 50 Best Wealth Management Wholesalers in Canada for 2023 award recipient

    
    Meet Giuliano Savini, Regional Investment Sales Manager for the Greater Toronto Area, who was recently recognized as one of the Top 50 Best Wealth Management Wholesalers in Canada for 2023 by Wealth Professional Canada. We congratulate Giuliano on this prestigious industry award, which acknowledges his invaluable expertise and contribution to the field of wealth management wholesaling.
    
    When asked what inspired him to pursue a career in this field, Giuliano credits a call from a trusted friend, Joseph Trozzo, who recommended Equitable as an excellent place to work. He joined the company four years ago and has not looked back. For Giuliano, the motivation lies in the meaningful work he does through his advisors and territory, finding the best solutions for their needs.
    
    His greatest achievement at Equitable, according to Giuliano, is the recognition as one of the Top 50 Wealth Wholesalers in Canada. What makes this accomplishment even more special is that the award is advisor-nominated, which means his advisors recognized the impact of his work in helping them succeed.
    
    Looking at his career overall, Giuliano takes pride in the relationships he has built with his advisors and territory over the years. He is proud to be recognized as a subject-matter expert and a business builder, always aiming to be a partner in his advisors' success.
    
    When asked for advice for those starting out in the industry, Giuliano emphasizes the importance of focusing on the success of their advisors. He advises them to use their advisors' success to drive sales and always keep them at the forefront of their business.
    
    Looking ahead, Giuliano sees the industry evolving into a more consultative and partnership-oriented approach. He believes that wholesalers will need to expand their knowledge base beyond competitive product information and into areas like marketing, investor psychology, and practice management to maintain a competitive edge in the industry.
    
    To read more about Giuliano and the other Top 50 Wealth Management Wholesalers in Canada, visit Wealth Professional Canada's website.

    
    Posted : April 12, 2023