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Clients can win up to $5,000 in the RSP Grow Your Future Contest!

RSP season is here and Equitable Life^® is giving clients and their advisors a chance to win BIG with the Grow Your Future Contest.

This contest is for advisors and clients working together to build wealth that lasts through the ups and downs.

Two ways to win:

1. Between January 1 and March 1, 2023, if the client makes a deposit into an Equitable Life RSP policy

2. Between January 1 and 31, 2023, if the client makes a deposit into an Equitable Life RSP policy*

Full contest details.

Grow the future this RSP season!

Equitable Life is committed to offering clients product, service, and choices that best suit their needs. We are pleased to offer multiple sales charge options, three distinct guarantee classes, and a diverse selection of investment funds.

Speak to your Regional Investment Sales Manager to learn more.

*Draws occur weekly from January 9 – February 6, 2023.

® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
Equitable Life® 2023 RRSP Season Contest: No purchase necessary. Contest period January 1, 2023 to March 1, 2023. Enter by making a deposit to an Equitable Life RRSP during the contest period or by submitting a no-purchase entry. Forty-four prizes to be awarded, for a total value of $10,200 CAD. Twenty-one $100 prizes, to be drawn on January 9, 2023, January 16, 2023, January 23, 2023, January 30, 2023 and February 6, 2023. One Grand Prize draw, for a prize of $5,000 CAD, to be held on March 2, 2023. The servicing advisor for the policy to which the selected entrant made the deposit is also an eligible winner: (i) for $100 prizes, the servicing advisor will also receive a $100 prize; and (ii) for the $5,000 grand prize, the servicing advisor will receive a $1,000 prize. For example, if an Equitable Life client is a winner of a $100 prize, the client’s servicing advisor also wins a $100 prize; if an Equitable Life client is a winner of the $5,000 grand prize, the client’s servicing advisor wins a $1,000 prize. Open to legal residents of Canada of the age of majority. Eligible non-winning Entries will continue to be eligible on subsequent Draw Dates. Maximum one $100 prize per person and one $5,000 or $1,000 prize per person. 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 full contest rules.

Posted December 1, 2022
Open doors with our updated CI & UL solutions! Have you heard the news? On October 8th, we rolled out several updates to our competitive Equitable^® product lineup—including our Critical Illness (CI) and Universal Life (UL) plans.

These updates are all about cost savings for clients and helping advisors like you grow your business. And the response has been fantastic!

What’s new for CI and UL?

1. Lower monthly costs for new EquiLiving^® critical illness (CI) policies paid monthly – hello savings!

• The monthly modal factor for CI decreased from 0.09 to 0.0867.
• The monthly policy fee decreased from $4.50 to $4.34.

*Note: EquiLiving premium rates and annual policy fees have not changed.

2. Lower monthly costs for UL policies with CI riders added – now it’s more affordable to add CI coverage when selling UL!

Commissions got a makeover too

Good news! Commissions on Term and EquiLiving CI policies are now calculated based on the total premium paid for the policy year—even if clients opt for monthly payments. No more annual premium commission calculations!

Learn more!

Questions? Contact your Equitable wholesaler for all the details.

Cheers to savings and growing your business with Equitable!

^® or ^TMdenotes a trademark of The Equitable Life Insurance Company of Canada.
Understanding debt: A key to building wealth Why debt matters in wealth conversations
Debt is part of life for many Canadians. But not all debt is the same. As an advisor, you can help clients understand their debt and how to manage it. This is key to building wealth and confidence. Financial Literacy Month is a great time to “Talk Money.”

Types of debt¹
- Secured: This is backed by something the client owns, like a house or car. Its cost of borrowing or interest rate is usually lower.
- Unsecured: This includes credit cards and personal loans. These debts have no asset behind it and often cost more.
- Revolving: These are like credit cards. The balance owing can carry over to the next month.
- Installment: These are like car loans. Clients pay a set amount each month.
Helping clients manage debt
- Pay off high-interest debt first: Credit cards are often a good place to start.
- Consolidate: One lower-interest loan payment can replace many.
- Make a budget: Include debt payments and savings.
- Use insurance-based investments: Segregated funds and Daily/Guaranteed Interest Accounts offer protection and guarantees. These can help clients manage risk while growing wealth.
Why reducing debt matters
Less debt can mean more financial freedom. Clients can save more, stress less, and plan better for retirement. It also helps them leave a financial legacy.

Your role as an advisor
You do more than sell products. You guide clients to make smart choices. Use this article to start a simple, clear conversation about debt—and how Equitable Individual Wealth solutions might fit into their overall financial picture.

Talk to your Director, Investment Sales today for more strategies to help clients with debt.

¹ Source : ARC, 2025-03-28
Delay in Pivotal Select segregated fund client statements

We apologize for the delay in the delivery of our Pivotal Select™ segregated fund client statements. We understand how crucial these statements are for you and clients. We are working hard to resolve the issue. We will post an update on EquiNet® on or before February 7.

We appreciate your understanding and patience during this time. If you have questions or need further assistance, reach out to our Client Care Team at 1.866.884.7427.

Best Regards,

Cam Crosbie,
Executive Vice-President, Savings and Retirement Division
Equitable

Posted February 4, 2025
[pdf] First Home Savings Account

Advisor Compensation after the DSC/LL ban May 29, 2023 As of May 29, 2023, Pivotal Select segregated fund contracts will not allow new deposits to the Deferred Sales Charge (DSC) and Low Load (LL) sales charge options. This is in response to the ban on deferred sales charges by the Financial Services Regulatory Authority (FSRA). The following sales charge options will continue to be available:

No Load (NL)
No Load – 3 year chargeback (NL-CB)
No Load – 5 year chargeback (NL-CB5)

Advisors may be wondering how compensation compares under various sales charge options.

Here is an example of advisor compensation for a $100,000 segregated fund contract in the Equitable Life Active Balanced Portfolio Select.*

Year	No Load	DSC	Low Load	No Load CB	No Load CB5
1	$1,008	$5,544	$3,024	$3,500	$5,600
2	$1,008	$504	$504	$504	$504
3	$1,008	$504	$504	$504	$504
4	$1,008	$504	$1,008	$504	$504
5	$1,008	$504	$1,008	$1,008	$504
6	$1,008	$504	$1,008	$1,008	$504
7	$1,008	$504	$1,008	$1,008	$504
8	$1,008	$504	$1,008	$1,008	$504
Contract Value	Total Compensation Paid
$100,000	$8,064	$9,072	$9,072	$9,044	$9,128

*For illustration purposes, this assumes a 0% return over the period shown.

Over an 8-year period, total advisor compensation with the CB5 sales charge option is $9,128 versus $9,072 and $8,064 with DSC and NL respectively.

Below is the chargeback schedule for NL-CB and NL-CB5:

Month (age of units)	Commission Chargeback Schedule NL-CB	Commission Chargeback Schedule NL-CB5
1 - 12	100%	100%
13 - 24	97.2% - 66.4%	98.3% - 82.0%
25 – 36	63.6% - 32.8%	80.5% - 64.0%
37 – 48	0%	62.5% - 46.0%
49 – 60	0%	44.5% - 28%
61+	0%	0%

For more information, please contact your Regional Investment Sales Manager.

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

Date posted: June 15, 2023

NEW Process for Applications for Term Conversion to Equimax with Excelerator Deposit Option (EDO) Great news! We are now allowing term conversions to Equimax with EDO with no additional underwriting provided the maximum net amount at risk (NAAR) for the new Equimax policy does not exceed the Term coverage amount being converted.

We have created an easy-to-use Excel worksheet (1616 worksheet) to help you confirm that the conversion to Equimax with EDO satisfies the NAAR requirement and will assist you with properly completing the Application for Term Conversion (Form 1616). This worksheet is only for use in situations where the term coverage is to be converted to Equimax with EDO and must be submitted along with the signed illustration and completed Application for Term Conversion. The maximum NAAR can be found on the Underwriting page of the illustration report.

The signed Equimax illustration, application and term conversion worksheet should be sent to: inforcelifemail@equitable.ca.

Resources can be found on Equinet:
Equitable Life of Canada ends 2020 in a position of financial strength
Equitable Life of Canada is pleased to report that our strategic approach continued to serve us well in 2020, despite operating in a global pandemic.

Equitable Life, one of Canada’s largest mutual life insurance companies, closed out 2020 with strong earnings and solid growth.

The Company reported earnings of $153 million, equating to a return on policyholders’ equity of 16%. This result was driven by strong sales, investment performance, positive impacts from favourable expense ratios and reserve assumption changes.

“There is no doubt the global pandemic has had, and continues to have, a profound impact on the lives of Canadians and created challenges for all of us in 2020 that we could never have envisioned,” said Ron Beettam, Equitable Life’s President and Chief Executive Officer. “Thanks to the resiliency and commitment of our entire team, we effectively responded to unfavourable impacts caused by the pandemic, including market volatility, and continued to achieve a high growth rate on most key measures, ending 2020 in a position of financial strength.”

Equitable Life reported premiums and deposits of $1.7 billion in 2020, contributing to $6.0 billion of assets under administration. This growth was supported by very strong sales during the pandemic, as more Canadians turned to insurance to protect the financial security of their families. Dividends to participating policyholders increased by 24% over the prior year.

The Individual Insurance business reported 2020 sales of $149 million, reflecting the third consecutive year of double-digit sales growth. Savings & Retirement reported sales of $401 million, driven by sales of segregated funds. Group Benefits delivered sales of $46 million, despite competitive industry pricing strategies and the impact the pandemic had on businesses.

Equitable Life finished the year with an impressive LICAT ratio of 166%, well above the regulatory target and one of the highest in the industry. This capital result demonstrates that we are well-positioned to continue meeting our commitments to our policyholders. In addition, DBRS Limited (DBRS Morningstar) upgraded our Financial Strength rating to A (high) with Stable Trends in September.

“While we don’t yet know what future impacts the global pandemic could have on our business, we know we can face the future with confidence,” said Beettam. “I am very proud of all that we have accomplished together, especially throughout this unpredictable year, and I know the Company is very well positioned to meet the challenges ahead and will continue building on those achievements by focusing on organic and profitable growth across all lines of business, with a continued emphasis on meeting the needs of our policyholders and distribution partners.”

2020 Financial Highlights
- Net income of $153 million, for a return on policyholders' equity of 16%
- Capital strength, as measured by the LICAT ratio, ended the year at 166%
- Participating policyholders' equity surpassed $1 billion
- Premiums and deposits increased by 6.8% to $1.7 billion
- Sales of $149 million in Individual Insurance, $401 million in Savings and Retirement, and $46 million in Group Benefits
- Assets under administration grew 17.6% to $6 billion
- Benefits and payments to policyholders of $820 million
- Dividends to participating policyholders increased by 24% to $61 million
About Equitable Life of Canada

Canadians have turned to Equitable Life since 1920 to protect what matters most. We work with independent advisors across Canada to offer individual insurance, savings & retirement, and group benefits solutions to meet your needs.

Equitable Life is not your typical financial services company. We have the knowledge, experience and ability to find solutions that work for you. We’re friendly, caring and interested in helping. As a mutual company, we are not driven by shareholder pressures for quarterly results. This allows us to focus on management strategies that foster prudent long-term growth, continuity and stability. We are dedicated to meeting our commitments to customers – now and in the future.
How to videos
Did you miss our Equimax update in December?
Equimax – a better and stronger solution!

Discover the latest Equimax updates

Great news! We’ve made further updates to our Equimax^® insurance solution to better serve clients.

Here are some of the changes:

● A new guaranteed 10 pay premium option for Equimax Wealth Accumulator^®.
● You can now add an Excelerator deposit option (EDO) on Equimax Estate Builder^® and Wealth Accumulator plans with a 10 Pay premium option (term rider not required at issue of the policy).
● We increased our flexibility with EDO. This will make it easier for clients to stop and start EDO contributions without losing their maximum approved contribution room. On top of that, these changes will apply to all inforce policies. A single set of EDO rules will apply to every Equimax policy whether it’s issued tomorrow or 10 years ago, making it simpler to help clients manage their policies.
● We increased the maximum amount of Equimax coverage that can be applied for without a special quote from $20M to $25M.

Equimax is now an even better and stronger solution. For a full breakdown of these product updates visit our splash page.

*Video available in English with French and Chinese sub-titles.

Please refer to our Transition Rules for all the details on processing your applications.

Need more information? Please contact your Equitable wholesaler.