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1. The new segregated fund EZcomplete cloning feature will save time and errors.

    

   The new cloning feature for Savings & Retirement EZcomplete^® applications means that advisors don’t need to enter the same client information when completing multiple applications for the same client. 

    

   Here's how easy it is to use.

   

   Best of all, you can clone in progress and submitted applications.
   
   This is just some of the information that will be automatically copied:

   • Name

   • Date of birth

   • Gender

   • Occupation

   • Address

   • Phone numbers

   • Email address

   • Social Insurance Number

   • All beneficiary information

   
   The new EZcomplete cloning feature will save advisors time and reduce errors.

    

             
   
                                                                     
    

    

   If you have any questions, contact your Regional Investment Sales Manager

   
   ® denotes a trademark of The Equitable Life Insurance Company of Canada.
   Posted April 6, 2023
2. And the Equitable FHSA Contests winners are... Equitable^® is proud to be the first insurance company to offer a First Home Savings Account (FHSA) to Canadians.  
    
   Since launch in September 2023, we have received an incredible response to Equitable’s FHSA, available on Pivotal Select™ Investment Class (75/75) and Pivotal Select Estate Class (75/100).
    
   As part of this historic launch, we offered contests for clients to win $8,000 towards their 2024 FHSA contribution, with their advisor winning $2,000. We’ve now completed the draws and are thrilled to announce the following winners:
    
   January 16, 2024, draw:
   Client: Jagan A., ON
   Advisor: Krupa P., ON
    
   February 13, 2024, draw:
   Client: Pawandeep K., ON
   Advisor: Jaskaranjit S., ON
    
   Congratulations to our winners! It warms our hearts to know we are helping Canadians save for their first home.  
    
   From all of us at Equitable, thank you for your trust and partnership.
    
   ® or ™ denotes a trademark of The Equitable Life Insurance Company of Canada.
   
   Date Posted: March 13, 2024
3. There is still time to set up a First Home Savings Account in 2024

   A First Home Savings Account (FHSA) allows prospective first-time homebuyers to save for their first home. The plan is tax-free and allows annual contributions up to$8,000 a year or a lifetime contribution limit of $40,000. If you have a client who wants to buy a first home, start them on their path to home ownership with a FHSA.

   With Equitable’s FHSA or Daily/Guaranteed Interest Account (DIA/GIA), they can put their money to work right away. Available on Pivotal Select™ Investment Class(75/75) and Pivotal Select Estate Class (75/100) and Daily/Guaranteed Interest Account (DIA/GIA), Equitable offers clients an array of investment products to suit their individual needs and risk tolerance.

   Do not wait. Get clients started today!

   For more information on FHSA or DIA/GIA, including a FAQ and client materials, visit EquiNet^® or contact your Director, Investment Sales.   
   
   Date posted: November 13, 2024

4. [pdf] Levelize the tax on your fixed income investments with participating whole life (individual clients)
5. Understanding Life Insurance Replacements at Equitable All provinces require completion of a life insurance replacement declaration (LIRD) or equivalent form if intending to replace an existing insurance contract with a new one. The LIRD helps clients think carefully before terminating their existing policy. It contains important questions for them to consider. 
   
   When do you need to send a LIRD to Equitable^®?
   
   Refer to our: LIRD requirements by province     
   
   Equitable needs to receive the LIRD only in provinces where it is mandated. Please check the province-specific requirements (linked above). 
   
   If a client is replacing a life insurance contract with a new one with us, and the owner lives in one of the specified provinces, the LIRD must be sent to Equitable with the application. It should include a written explanation of the questions reviewed with the client and must be signed and dated. 
   
   Important reminder: While you will always complete a LIRD, do not submit the LIRD unless we require it. Doing so may delay the new business process.
   
   Note: The LIRD does not terminate the original policy; it indicates intent to do so.
   
   Questions? Please contact your local Equitable wholesaler if you need additional information.
   
   ^® or ^TM denotes a trademark of The Equitable Life Insurance Company of Canada.  
6. Deletions and Decreases
7. Deletions and Decreases
8. New and improved online calculators

   Individual Wealth is excited to announce the launch of eight refreshed and enhanced online calculators! These tools are designed to help advisors and clients make more informed and accurate financial decisions.
   
   Why the change?
   We have switched vendors to Ativa Interactive, a Canadian company with 30 years of experience in financial services. Their tools are more reliable and easier to use, offering a better advisor and client experience. Ativa Interactive has a robust portfolio of calculators available, giving us the opportunity to expand our offerings in future.
   
   What’s available?
   We kept the calculators you use most and added two new ones based on your feedback.
   
   Popular calculators being refreshed:
   •    Will the money last calculator
   •    Savings Growth Calculator
   •    TFSA vs taxable investment calculator
   •    Retirement Projection Calculator
   •    Become a millionaire calculator
   •    RRIF Payment Calculator
   
   New additions:
   •    GIA laddering calculator
   •    First home savings account calculator

   These calculators are live and ready to support client conversations.
   
   Questions?
   If you have any questions or need support, please reach out to your Director, Investment Sales.
   
   Date posted: August 28, 2025
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