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Give clients guaranteed retirement income with Payout Annuities
With increased market volatility and interest rates higher than we have seen for much of the past decade, now is a great time to consider payout annuities. Payout annuities can provide regular guaranteed income regardless of how markets perform.

Clients using only a Systematic Withdrawal Plan (SWP) for retirement income are potentially vulnerable during times of market volatility due to the sequence-of-returns risk.¹ When markets are down, more units are redeemed to cover income needs. When markets later rise, clients are not able to participate fully in the recovery because more units were redeemed to provide income. That is why having a guaranteed income component, like a payout annuity, as part of an overall retirement strategy is so important.

Two great reasons to consider Equitable Life® for your payout annuity business:

1. Choose from a variety of payout annuity options including:

A. Life Annuity – guaranteed income for one life
B. Joint Life Annuity – guaranteed income for two lives
C. Term Certain – guaranteed income for a specific period of time (5 to 30 years)
D. Term Certain to Age 90 – guaranteed income until age 90

2. Attractive rates, particularly in Registered and Term Certain Annuities

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

¹Sequence-of-returns risk, or sequence risk, is the risk that an investor will experience negative portfolio returns very late in their working life and/or early in retirement.
® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
Updated Temporary Resident Guidelines We are excited to announce that we have liberalized our Temporary Resident Guidelines.

● The validity period requirement of the supporting documentation for all Temporary Residents has been lowered to three months
● Student Visa holders attending post secondary educational institutions may qualify for a total coverage of $500,000, and – if employed – even for $1,000,000

We will now ask for the following information:

● Information regarding the educational institution and programme for all amounts over $250,000 (typically includes online validation)
● A maximum of $500,000 may be available for students enrolled in professional programmes, as defined in our Student Financial Guidelines (e.g., medical, law, etc.)
● A maximum of $1,000,000 may be available for students who are legally and gainfully employed. For this, we require proof of current employment and the CRA Notice of Assessment for the previous year. Should both be satisfactory, the allowable face amount will be calculated according to the published Work Permit guidelines. If applying for over $500,000, a minimum one-year period after arrival to Canada is required.
● Students enrolled in elementary or secondary school are eligible for a total coverage of $250,000. Exceptions may apply if the parents are insured or applying for minimum $1,000,000. We will confirm the parents’ respective occupations, incomes, and residency statuses

Read more about the details of the changes in the updated Residency Guidelines form 1530.

Please contact your Regional Sales Manager for more information.
SMS is Available for Individual Insurance Application Updates If you haven’t opted in to receive your client's application status via text message, give it a try on your next application.

When you submit a client’s application, you can opt-in to receive text message updates for your new business applications. No need to log in to your advisor portal to know exactly what is going on with a case.

Once you opt-in to receive text messages, you will receive short text updates for your new business applications. That’s a text message when:
- The application is received,
- Equitable Life has made a decision,
- The policy is ready for delivery, and
- The commissions have been triggered.
Please note, this number is not monitored for incoming texts. Please contact Customer Service with any questions.

In addition to these messages, Equitable Life will continue to send proactive emails detailing outstanding requirements.

Be sure to opt-in to text messages when you complete your next application on EZComplete®.

We’ve recently made a number of changes to make doing business with us easy. Learn more about SMS and other ways we are making it easy to do business with us.

® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
2023 is here and we are here for you! Equitable Life^®would like to wish everyone a Happy New Year and we are looking forward to doing more business together in 2023!
Just a reminder, we made some changes in 2022 to make doing business with Equitable Life easier. Some of the most recent enhancements include:

Opt in for text messages on new applications
● Upon submission of an application, you can opt-in to receive text message updates for your new business applications. That’s a text message when the application is received, when a decision is made, when it’s ready for delivery and when the commissions have been triggered.

Cloning pages on EZcomplete^®
● You now have the ability to clone an application on EZcomplete. A whole family or a spouse can have a lot of duplicate information and the ability to clone an application can save tremendous amounts of time and make for a much more pleasant client experience.

Jump around on EZcomplete
● Jump from one part of the application to another and back again. You no longer have to complete the application one section after another in order. This will allow a lot more flexibility when submitting a policy application.

To learn more about these great enhancements contact your local wholesaler.

Continue watching for news from Equitable Life for more great launches and enhancements in 2023!

_{^®and ^TMdenote trademarks of The Equitable Life Insurance Company of Canada.}
Cloud DX, Signs Contract with Heart Centre Our partner, Cloud DX, has signed a 3-year contract with an Ontario hospital to help put patients with congestive heart failure at ease.

Cloud DX’s digital health platform works to improve healthcare delivery, provide better care outcomes, and lessen the burden on our national healthcare system. Now, an Ontario heart centre will use the Cloud DX platform to improve its patient monitoring services.

Cloud DX is a value-added service for Equitable Life’s Critical Illness claimants. Cloud DX delivers clinical grade hardware directly to the client so that they can remotely monitor the client’s vitals to help ensure they stay on the road to recovery*.

To learn more about our partnership with CloudDX, click here or contact your local wholesaler.

Watch our video on YouTube or Vimeo!

*Cloud DX is a non-contractual benefit and may be withdrawn or changed by Equitable Life® at any time. To be eligible for the Cloud DX offering, a claimant must be age 12 or older and have received payment on or after February 12, 2022 for a covered critical condition benefit under an individual critical illness insurance policy issued by Equitable Life. An early detection benefit payment does not qualify. Equitable Life pays for 6 months of Cloud DX subscription fees. If the claimant wishes to continue the Cloud DX service after 6 months, they will be responsible for the cost. The claimant must supply their own device to connect to Cloud DX app– a laptop, tablet or cellphone. As well, the claimant needs to supply their own data or internet service.

^®and ^TMdenote trademarks of The Equitable Life Insurance Company of Canada.
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.
Making it easier to claim for Loss of Independent Existence for EquiLiving Critical Illness insuranc We have recently changed the definition of Loss of Independent Existence (LOIE). As a result, the Critical Illness claim criteria has also changed. Before, EquiLiving^® Critical Illness insurance coverage was issued with a definition of LOIE that required clients to have the total inability to do 3 of 6 Activities of Daily Living (ADLs). Now, clients will only need to give us proof of the total inability to do 2 of 6 Activities of Daily Living (ADLs) to submit a claim for LOIE.

This change makes it easier for clients to claim for this covered critical illness. This change is retroactive to February 2022.

Clients will be sent a notice from us with a personalized endorsement from Equitable Life. This applies to their policy and forms part of their contract. We will approve claims for LOIE as outlined in the endorsement.

LOIE is one of the 26 conditions named as a covered critical illness in an EquiLiving policy or Critical Illness insurance rider on an Equitable Life insurance policy. With a loss of independent existence, some activities of daily living can no longer be done on one’s own. This can happen because of a disease or an injury.

Want to learn more? See the marketing piece: Understanding the Covered Conditions (1248).

For more information, reach out to your local wholesaler.

^®denotes a trademark of The Equitable Life Insurance Company of Canada.
Equitable 2024 dividend scale!

Equitable’s Board of Directors has approved a new dividend scale for the period of July 1, 2024, to June 30, 2025.
● The interest rate* we use for the dividend scale will change. It will go from 6.25% to 6.40% on July 1, 2024.
● Other factors used to decide the dividend scale will remain the same.
● The interest rate for policies with dividends on deposit will change. It will go from 2.25% to 3.50% on July 1, 2024.
● The interest rate for most policy loans will remain at 6.50%. This applies to both new and existing policy loans, and automatic premium loans. It specifically applies to Equimax^®policies with a 9-digit policy number that starts with either "3" or "8". Older policies may have different loan rates as they are based on the prime interest rate.

Learn more:
● 2024 Advisor Dividend Scale Notice
● 2024 Client Dividend Scale Notice
● Dividend Information Page

Did you miss our Spring update & 2024 Dividend Scale announcement? Watch it now:

(*The French and Chinese events will be partially in English, with sub-titles on screen).

*The dividend scale interest rate (DSIR) is different from the participating account (PAR) rate of return. The PAR rate of return is the return on the investments in the participating account over the calendar year. The DSIR smooths out the ups and downs of the participating account experience.
Savings & Retirement Policy and Procedure updates regarding Electronic Signatures We have updated our policies and procedures regarding electronic signatures in the Savings and Retirement department. We are now able to accept electronically signed documents, from all major third-party signing vendors.

Including esign@equitable.ca as a non-signing reviewer is the preferred method as it ensures the security embedded documents are accurately and immediately available for Equitable. We will be automatically notified when signing is complete and will download eSigned forms immediately for processing. Including esign@equitable.ca as a non-signing reviewer is secure, quick, and efficient. Documents no longer need to be emailed to us – eSigned documents are sent directly to us once all signatures are completed, therefore you do not need to notify us once the documents are signed.

When esign@equitable.ca is not used to submit electronically signed documents, the following criteria are required:
- The original signed form and audit trail with all the security features intact
- The email address used to sign must match what is in our files (as provided on the application, for electronic policy delivery or through previous communication). If an email address has changed, or we don’t have an email contact for the signer, we will follow up for confirmation.
A guide on how to use esign@equitable.ca can be found here.

Please note that Equitable does not accept digital signatures (images or fonts of a signature which are not stamped).

Date posted: June 13, 2024