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1. [pdf] Transferring wealth to an adult child - case study
2. [pdf] Market Commentary October 2025
3. [pdf] Do you know Leona
4. 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.  
5. [pdf] Equitable Guaranteed Investment Funds – Investment Class
6. Are your clients looking for more Tax-Free Savings Account contribution room?
   Good news!  With the start of the new year comes new additional contribution room.
   
   A Tax-Free Savings Account is a great option for clients to grow their savings with the flexibility to access their money when they need it, before or during retirement. Encourage your clients to start saving today! ­
   
   For more information on the options available, please click here.
    
7. Coming soon – 2024 Product Updates What’s changing?
   
   Updates include changes/enhancements to our flagship Equimax^® Par Whole Life product, Evidence of Insurability Schedule and more. A detailed summary of all the changes will be available on October 8, 2024.
   
   The Transition Rules, for handling new and in-progress life applications, are effective October 5, 2024.
   
   Need more information?
   Contact your Equitable wholesaler. Watch for more details on October 8.
   
   
   
   
   
   
   
   
   
   
   
   ^® or ™ denotes a trademark of The Equitable Life Insurance Company of Canada.
    
8. Policy Loan History
9. [pdf] Equimax Client Guide
10. [pdf] Equitable’s Legacy Products: Pivotal Select