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1. [pdf] Benefits of segregated funds in a TFSA
2. [pdf] G2 - Application for Change
3. [pdf] G3 - Application for Change
4. Coming March 23, 2020 – Equimax enhancements include 60 months of flexibility to make extra deposits

   The following features will be available on Equimax Estate Builder® and Equimax Wealth Accumulator® plans!   
   
   60 months of Excelerator Deposit Option (EDO) flexibility

   • Up to 60 months to make initial EDO payment or resume stopped or reduced payments. No additional underwriting required. 
   • For approved EDO amounts exceeding $150,000 annually ($12,500 monthly), clients have up to 12 months from the date the EDO application was signed or the date of the last EDO payment to make an EDO payment before a contribution cap may apply.
   • Available on all policies with an effective date of March 23, 2020 or later.
   
   
   
   EDO available on case ratings of 300% or less
   • If a policy already in effect has a rating over 200% and up to and including 300%, the owner can apply to add EDO provided the policy was issued under the 2017 tax rules.
   • Additional underwriting and submission of satisfactory evidence may be required.
   
   
   
   Disability Benefit Disbursement at no extra cost
   • If a life insured becomes disabled from a severe mental or physical impairment as defined in the policy contract, the owner may apply for a tax-free,* lump sum payment of up to 100% of the policy’s cash value.
   • Exclusions apply. See sample policy contract for full details, including the qualifications for the disbursement.
   • Available on all policy issued under the 2017 tax rules.

   
   
   * Tax laws are subject to change. The payment of the disability benefit disbursement may affect the adjusted cost basis (ACB) of the policy as it is considered payment of a capital benefit. Changes in ACB can affect the future taxation of the policy.

   Processing your Application
   To make the transition as smooth as possible, please take a moment to review the following transition rules.
    

5. New Dividend Scale Effective July 1, 2023! Equitable Life’s Board of Directors has approved a change to the dividend scale* for the period July 1, 2023, to June 30, 2024.
   
   - The interest rate we use for the dividend scale will go from 6.05% to 6.25% on July 1, 2023.
   - Other factors used to decide the dividend scale will stay the same.
   - The interest rate for participating whole life policies with dividends on deposit will stay the same at 2.25%.
   - The policy loan interest rate** will go from 6.20% to 6.50% on June 30, 2023
   
   More good news!
   Once the next dividend scale year starts, we expect policyholder dividends to be close to $105 million until the end of June 2024.
   
   Learn more
   - Advisor Dividend Scale Notice
   - Client Dividend Scale Notice
   - Dividend Information Page
   
   
   
   
   Did you miss our virtual Spring Update & 2023 Dividend Scale Announcement? Watch it now:
     
   (*The French and Chinese events will be partially in English, with sub-titles on screen).
    
   
   TOGETHER – Protecting Today – Preparing Tomorrow™
   As a MUTUAL we provide financial security DIFFERENTLY by focusing exclusively on our CLIENTS.
   
   *Dividends are not guaranteed and are paid at the sole discretion of the Board of Directors. Dividends may be subject to taxation. Dividends will vary based on the actual investment returns in the Participating Account as well as mortality, expense, lapse, claims experience, taxes, and other experience of the participating block of policies. Changes in the dividend scale do not affect the guaranteed premium, guaranteed cash values, or guaranteed death benefit amount.  A copy of Equitable Life’s Dividend Policy and Participating Account Management Policy can be found on our website at www.equitable.ca.
    
   ** This applies to all new and active policy loans, including automatic premium loans. This change is for Equimax^_® policies that have a 9-digit policy number beginning with a “3” or an “8”. Some older policies may have other loan rates as they are based on the prime interest rate.
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10. [pdf] DSC and Transfer Fee Reimbursement Request