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1. What’s your saving style? 

   A TFSA for its flexibility or an RRSP for tax-deferred growth.   
   
   Did you know? More than 65% of people who put money into a TFSA* earn less than $80,000 a year. That’s why TFSAs are popular with middle-income Canadians. They’re simple and flexible: you don’t get a tax break when you put money in, but you don’t pay tax when you take money out. This makes them great for people who don’t get big benefits from tax deductions.  
   
   On the other hand, 54% of RRSP contributors earn more than $80,000 per year*. RRSPs often work better for higher-income earners because contributions lower taxable income. That means bigger tax savings for people in higher tax brackets.  
   
   Here’s the good news: From January 1 to March 2, 2026, when clients open or add money to an Equitable TFSA or RRSP, they’ll be entered into Equitable’s Snowball Your Savings contest. Two winners will be chosen—and their advisors will celebrate too!  
   
   
   How to Enter  
   
   Advisors can help clients submit contributions through EZcomplete^® or process transactions using EZtransact^®. Every entry is a chance to win!  
   
   Want ideas to boost contributions and help Canadians save more? Connect with your Director, Investment Sales today.  

   
   * Source: advisor.ca/news/tfsas-more-popular-than-rrsps-in-2023/  
   ® and ™ denote trademarks of The Equitable Life Insurance Company of Canada.   
   Equitable’s Snowball Your Savings contest: No purchase necessary. Contest period January 1, 2026 to March 2, 2026.  Enter by making a deposit to an Equitable Tax-Free Savings Account or Registered Retirement Savings Plan during the contest period or by submitting a no-purchase entry. Two prizes of $5,000 CAD to be drawn on March 23, 2026 will be awarded. The servicing advisor for the contract to which the selected entrants made the deposit is also an eligible winner and will receive a $1,000 CAD prize. For example, if an Equitable client is a winner of the $5,000 prize, the client’s servicing advisor for the relevant contract wins 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.  
2. Equitable celebrates FundGrade A+ awards, reinforces commitment to Canadian investors
   Equitable^® has been recognized with two FundGrade A+^® awards, an annual distinction that recognizes exceptional performance among Canadian investment funds.
    

   The award-winning funds are available on the new Equitable Guaranteed Investment Funds^TM solution:

   Equitable Invesco NASDAQ 100 ESG Index ETF

   Equitable Fidelity^® Global Innovators

   “We’re honoured to receive this recognition,” says Cam Crosbie, Executive Vice-President, Individual Wealth. “These awards reflect the hard work of many teams across our organization and, of course, our partners.”  

   Looking ahead, Equitable Individual Wealth remains focused on continuous improvement and innovation. “This is just the beginning,” adds Crosbie. “We deeply value the trust advisors and clients place in us every day, and we’re committed to helping Canadians reach their financial goals with more confidence.” 

   
   
   
   FundGrade A+^® is used with permission from Fundata Canada Inc., all rights reserved. The annual FundGrade A+^® Awards are presented by Fundata Canada Inc. to recognize the “best of the best” among Canadian investment funds. The FundGrade A+^® calculation is supplemental to the monthly FundGrade ratings and is calculated at the end of each calendar year. The FundGrade rating system evaluates funds based on their risk-adjusted performance, measured by Sharpe Ratio, Sortino Ratio, and Information Ratio. The score for each ratio is calculated individually, covering all time periods from 2 to 10 years. The scores are then weighted equally in calculating a monthly FundGrade. The top 10% of funds earn an A Grade; the next 20% of funds earn a B Grade; the next 40% of funds earn a C Grade; the next 20% of funds receive a D Grade; and the lowest 10% of funds receive an E Grade. To be eligible, a fund must have received a FundGrade rating every month in the previous year.  The FundGrade A+^® uses a GPA-style calculation, where each monthly FundGrade from “A” to “E” receives a score from 4 to 0, respectively. A fund’s average score for the year determines its GPA. Any fund with a GPA of 3.5 or greater is awarded a  FundGrade A+^® Award.  For more information, see www.FundGradeAwards.com.  Although Fundata makes every effort to ensure the accuracy and reliability of the data contained herein, the accuracy is not guaranteed by Fundata. 
   
   Equitable and Equitable Guaranteed Investment Funds are trademarks of The Equitable Life Insurance Company of Canada.

3. 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

4. Term vs permanent life insurance: helping clients choose the best solution for them Most people understand why life insurance matters. What they’re often unsure about is which type of coverage is right for them. As an advisor, you’re in a unique position to do more than present options, you can help clients feel confident they’re making an informed choice. 
   
   Start with the client, not the product
   Before discussing insurance solutions, you can start by asking three important questions:
   1. What do you need to protect today?
   2. What are you trying to achieve for the future?
   3. What is your budget?
   By asking these questions you will get a better understanding of which solution fits the client’s needs.
   
   Matching the solution to the client
   Term life insurance may be ideal for clients who have budget considerations and need coverage for: 
   • Helping to replace income
   • Helping cover a mortgage or other debts
   • Business protection
   • A specific period of time (10 – 30 years)
   If a client wants lifetime coverage but can’t afford it right now, term insurance is a good option.  It gives them affordable coverage today that they can later choose to convert to permanent insurance when their income increases.¹
   
   Permanent life insurance (whole life and universal life) is an option for clients looking for lifelong coverage and added long-term value. It’s a good option for clients who want to:
   • Build an inheritance
   • Preserve their estate
   • Build tax advantaged cash value growth
   
   Permanent life insurance is also an excellent way for parents or grandparents to help give children or grandchildren some lasting financial security. It secures lifetime protection at a lower cost when the child is young and healthy. It also offers the potential for cash value growth that they can access if needed.   
   
   Helping clients make confident choices
   By focusing on what the client needs now—and what they might need later—you can help them pick life insurance that fits their changing life and financial goals. Share this client‑friendly piece that outlines some of the things that clients should consider to make an informed decision: 
   Which life insurance solution is right for you?
   
   Reminder: Clients’ needs can change; it’s a good idea to review their coverage regularly.
   
   For any questions, contact your Equitable wholesaler.
   
   
   ¹See contract for details on conversion limitations and eligibility.
5. 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.
    
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