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Juvenile insurance is a gift that keeps on giving
Life insurance may not come wrapped with a ribbon, but it can be a perfect gift to provide a child with a lifetime of protection. Equimax® whole life insurance provides permanent coverage, with several benefits:
• Insurability – lock in permanent insurance protection for life while a child is young and healthy.
• Affordability – it is cost-effective to purchase a life insurance policy for a child and lock in a guaranteed premium at children’s rates.
• Cash value – Equimax has a guaranteed minimum cash value outlined in the contract. It can also accumulate tax-advantaged, non-guaranteed dividends1. As the cash value of the policy increases over time, the child can use the cash value to help pay for life’s milestones or emergencies.
Protecting a child’s future with life insurance today can be a gift that keeps on giving for all their tomorrows.
Ask your wholesaler about Equimax whole life insurance for children.
1Dividends are not guaranteed and are paid at the sole discretion of the Board of Directors.
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Reminder: Beneficiary designations for children’s CI policies
When a critical illness (CI) insurance policy or rider is issued for a minor, it’s important to ensure beneficiary designations accurately reflect clients’ intentions. Without a beneficiary on file, or with a minor designated without a trustee, an approved claim may need to be paid to the court or the Public Trustee. This can cause delays at a time when families may urgently need access to support.
Help clients name a beneficiary on their juvenile critical illness policy today. This isn’t just a safeguard to avoid court or Public Trustee delays at claim time. It’s a reflection of your expertise and care.
For more information, see our client support resource below. To view the link below, you will need to log in to your EquiNet® account.
View client support resources on EquiNet - Franklin Templeton
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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. -
Important Information Regarding FHSA Contributions
Many clients have already taken advantage of Equitable’s First Home Savings Account (FHSA), available on Pivotal Select™ Investment Class (75/75) and Pivotal Select Estate Class (75/100).
Below, we answer questions we have received regarding cut-off dates for 2023 FHSA contribution tax receipts.
1. The client submitted an application with a deposit before 11:59 p.m. ET on December 29, 2023. Will they get a 2023 FHSA contribution tax receipt?
Yes, the client will receive a 2023 FHSA contribution tax receipt.
2. The client submitted an application with a deposit on December 30 or 31, 2023. Will they get a 2023 FHSA contribution tax receipt?
No, the client will not receive a 2023 FHSA contribution receipt. The client’s deposit will be made effective the next business day, January 2, 2024. The client will receive a FHSA contribution tax receipt for the 2024 tax year.
However, since the client signed the application on or before December 31, 2023, they are eligible to take advantage of the 2023 contribution room in 2024 (up to $16,000 total*).
3. The client submitted an application with a deposit after January 1, 2024, but it was signed on or before December 31, 2023. Will they be eligible for the 2023 contribution room?
Yes. Any FHSA application received on or before 4:00 p.m. ET on January 12, 2024 that was signed on or before December 31, 2023 will be eligible to take advantage of the 2023 contribution room in 2024*.
4. The client received a confirmation letter stating their deposit was effective in January, but the application and contribution was submitted on or before December 29, 2023, will they receive a 2023 tax receipt for their contribution?
Yes, if the client received a confirmation letter stating their deposit was effective in January but the application and deposit was received at Equitable® on or before December 29, 2023, they will receive a 2023 tax receipt for their contribution. We are currently updating any impacted FHSA policies to reflect a December trade date. The client will receive a revised confirmation letter reflecting the December trade date.
5. When will 2023 FHSA contribution tax receipts be issued?
FHSA contribution receipts for the 2023 tax year will be mailed to clients by February 29, 2024.
If you have further questions, please contact your Regional Investment Sales Manager or one of our Client Services Representatives at 1.866.884.7427.
*Clients must consider all eligible FHSAs with any other institutions to determine their remaining contribution room.
® or ™ denotes a trademark of The Equitable Life Insurance Company of Canada.
Posted January 2, 2024 -
From Insight to Inclusion: Engaging Women Investors with Confidence
Ready to help future‑proof your practice?
Create an experience that truly resonates with women investors.
Join our February Master Class, “From Insight to Inclusion: Engaging Women Investors with Confidence.” Learn how to design strategies that help attract, retain and deepen advisory relationships with women – today and for the long term. We will explore why women are essential to building and sustaining a successful advisory business. We will also share practical steps to help you engage them effectively.
We’ll cover:- Why women remain an underserved client group,
- Why inclusion is critical to your business growth, and
- How to develop strategies that help attract and retain women as value clients.
Why attend?- Turn research into real conversations that can build trust.
- Create a clear plan that speaks to women investors.
- Build a repeatable process for prospecting, onboarding and reviews – one that includes women in a meaningful way.
Join Joseph Trozzo, Vice President, National Investment Sales at Equitable, for an insightful conversation with Susan Silma – lawyer, former regulator, client‑experience strategist and regular columnist for Investment Executive.
Don’t miss this opportunity.
Register today to secure your spot!
Date: Wednesday, February 25, 2026
Time: 2 p.m. ET / 11 a.m. PT
Duration: 1 hour
Continuing Education Credits
This webcast has been submitted for continuing education (CE) approval for all provinces excluding Quebec via the Insurance Council of Manitoba and Alberta Insurance Council. Upon approval, you will be sent an email notification to come back to the webcast presentation console to download your personalized certificate from the tool bar. To be eligible for CE credits, you must register individually, watch the webcast in full, and complete a short quiz. It is the advisor's responsibility to ensure Continuing Education credits being offered are accepted by their licensing body. Alberta Insurance Council (AIC) credits are valid in Yukon, British Columbia, Alberta, Saskatchewan, Ontario, New Brunswick, Prince Edward Island and Nova Scotia. Insurance Council of Manitoba (ICM) credits are valid in Manitoba only.
This webcast is available in English only.
- [pdf] First Home Savings Account
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Equitable Life Dynamic U.S. Monthly Income Fund Select
As a Global Equity Balanced asset class, investors benefit from long-term capital growth through investments that include a broad range of U.S. equity and debt securities. Check out Equitable Life Dynamic U.S. Monthly Income Fund Select in this issue of Fund Focus. The Fund aims to provide long-term capital appreciation and income by investing primarily in a broad range of U.S. equity and debt securities, focusing on a value investment approach when selecting equity securities.
Key highlights
• Actively manages access to the U.S. (one of the broadest and deepest markets in the world).
• Ability to tactically shift asset allocation to take advantage of changing market conditions.
• Aims to provide stability and growth to investors while providing interest and dividend income.
For more information, check out Equitable Life Dynamic U.S. Monthly Income Fund Select or contact your Regional Investment Sales Manager.
Posted November 2, 2023 -
What’s the story behind Equitable’s new brand?
We are excited to share some more insight into the news of Equitable’s new brand.
Our new brand isn’t just a logo change.
Our new brand reflects our deeply rooted dedication to our clients. Over the next year, we will make the transition to our refreshed look. The new brand illustrates our focus on strong partnerships and making it even easier for you to do business with us.
Check out the Beyond the Logo video featuring our executive team sharing how the new brand embodies our commitment to advisors.
We’ll provide more details on the changes we’re making, and we welcome you to join in the journey. Please reach out to your Equitable point of contact or visit equitable.ca to learn more.
Posted December 4, 2023 -
Equitable Savings & Retirement Division rebrands as Individual Wealth
The Equitable® Savings & Retirement division has a new name: Individual Wealth.
This change reflects how the division has grown. Over time, we have added more services and tools to help clients reach their financial goals. Our new name shows this broader focus.
Why “Wealth”?
The word “Wealth” means more than just saving for retirement. It includes investing, estate planning, tax strategies, and preparing for life events. It better describes our more holistic approach to wealth management.
This update is more than just a name change. It shows our strong commitment to helping clients in new and better ways. Over the coming months you’ll notice changes across our materials, website, and contact details as we roll out this transformation. As we move forward as Individual Wealth, our commitment to supporting your business remains stronger than ever — because when we grow together, success is mutual.
If you have any questions, feel free to reach out to your Director, Investment Sales.
Date posted: July 24, 2025