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  1. September is Life Insurance Awareness Month The perfect time to start conversations with clients.

    Many people don’t think about life insurance until it’s too late. This month is a good time to remind clients why life insurance matters. Life insurance can help provide financial protection for families and businesses when they need it most.

    As an advisor, you play a key role in helping clients make the right choices to protect the people and things they care about. At Equitable®, we’re committed to supporting you in guiding clients through these important decisions. To help you start conversations about life insurance, we have created resources that explain the different types of life insurance and how each can help clients meet their unique financial needs.

    Use these tools during your client meetings, either in person or online. They can help you explain why life insurance matters, show the different plan options, and build trust with clients.

    Let’s work TOGETHER this month to help clients PROTECT TODAY and PREPARE TOMORROW.

    Contact your Equitable wholesaler today to learn more!


     
                                                                                                                                                          
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    What kind of life insurance is right for you? (1197)
  2. IMPORTANT NOTICE: FUNDS WITH DEFERRED SALES CHARGE OPTIONS

    The Canadian Council of Insurance Regulators require all insurance companies to discontinue the sale of segregated funds with Deferred Sales Charge (DSC) effective June 1, 2023*.  

    PIVOTAL SELECT™ SEGREGATED FUND PRODUCTS 

    On May 29, 2023, funds with a DSC or Low Load (LL) sales charge option will be allocated to the No Load (NL) sales charge option of the funds available within the policy. 

    • Any existing amounts held in DSC or LL funds will retain the existing DSC schedule, outlined in the client’s contract. The annual 10% available (20% for RIF policies) for withdrawal without fees continues to apply through to the expiry of the fee schedule. 
    • If the default deposit instructions and/or pre-authorized scheduled deposits the client previously provided include funds with DSC or LL, these instructions will automatically update to NL of the same fund for all future deposits. 

    In alignment with Equitable's current administrative rules, if the client has DSC or LL funds, the client will not be able to deposit No Load Chargeback funds (NL-CB and NL-CB5) within the same policy. 

    For more information, please click here.

    LEGACY SEGREGATED FUND PRODUCTS 

    Ongoing deposits to DSC funds continue when a segregated fund product does not have an alternative sales charge option available within the contract. This applies to the following products: 

    • Personal Investment Portfolio 
    • Pivotal Solutions II 
    • Pivotal Solutions DSC 

    Clients may continue to make new deposits to the DSC funds within the policy. Any new segregated fund deposits, as well as any existing segregated fund amounts within the policy, will retain the DSC schedule outlined in the contract. 

    For more information, please click here.

    Equitable's Advisor Services Team is available Monday to Friday, 8:30 a.m. – 7:30 p.m. ET at 1.866.884.7427 or by email at savingsretirement@equitable.ca. You can also contact your Regional Investment Sales Manager. 
     

    *Draft regulation in Quebec is currently under review which may affect Equitable Life’s approach for clients in the Province of Quebec with legacy segregated fund products. We will continue to monitor provincial regulatory developments. 

    ™ or ® denote registered trademarks of The Equitable Life Insurance Company of Canada. 

    Date posted: May 4, 2023
     

  3. [pdf] FeelingBetterNow
  4. [pdf] Beneficiary Change Form
  5. NEW MARKETING MATERIAL! Equimax Participating Whole Life, Strong and Stable Dividends Participating whole life policyholders can get some of the participating account earnings back as dividends.1

    Dividend scales change over time. This new marketing piece shows how the actual values of policies look like against those that were estimated. It looks at two sample policies and compares them to the original sales illustrations. One example shows an Equimax Estate Builder® policy. The other example shows an Equimax® Wealth Accumulator® policy.

    We are proud of our strong and stable dividend results. We have paid dividends to our participating policyholders every year since 1936. And we’re still going strong!

    We want to make sure that we can continue to provide long-term income and growth to support the dividend scale and meet the product guarantees. We do this with constant focus on how we invest and manage risk to support the participating account.

    As a mutual life insurance company, we are owned by our policyholders who count on us and our services. Their trust in our knowledge, experience, and financial strength helps us keep our commitments to them—now and in the future.

    Dividend scales may change.2 But with a balanced approach, Equitable Life’s Equimax® Participating Whole Life continues to deliver excellent value. It gives guaranteed life insurance protection with the potential for earnings.

    Want to learn more? Check out our new marketing piece: Equimax Participating Whole Life, Strong and Stable Dividends (2075).

    For more information, reach out to your local wholesaler.
     
     

    ® and TM denote trademarks of The Equitable Life Insurance Company of Canada.
    1 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, expenses, lapse, claims experience, taxes, and other experience of the participating block of policies.
    2 If low interest rates continue, investment returns will be lower, and this may mean decreases in the dividend scale in the future. Dividend payments are not guaranteed, but they will never be negative.
  6. 2026 Dividend scale announcement, plus new Performance and perspective par fund report
    Good news! Equitable’s Board of Directors has approved maintaining our current dividend scale, including the dividend scale interest rate of 6.40%, effective July 1, 2026, through June 30, 2027.*

    These factors are also staying the same:
    •  The interest rate* used to decide the dividend scale is unchanged at 6.40%.
    •  The interest rate for policies with dividends on deposit stays at 3.50%.
    •  The interest rate for most policy loans continues to be 6.50%. **

    A stable dividend scale reflects strong, long‑term management of the participating fund.

    Find out what’s new with Equitable Individual Insurance and hear the 2026 Dividend Scale announcement
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    (*French and Chinese events will be partially in English, with sub-titles on screen).

    New! Performance and perspective participating fund report
    You now have a powerful new resource, Performance and perspective, to support your client conversations about Equitable’s participating fund. It’s designed to give you a transparent view of 2025 participating fund performance to help you explain long‑term value simply, and position Equimax® participating whole life as a long‑term solution, not just a product.

    View the Performance and perspective report: English, French, Chinese

    Reasons to use Performance and perspective
    • It strengthens your conversations and builds client confidence by showing the participating fund asset mix, historical performance and long‑term approach all in one place.
    • It helps you explain with clear visuals how the participating account is managed, not just how it performed.

    Why this matters to clients
    • They get transparency into where their money is invested.
    • They can see how participating solutions are managed over time, not year to year.
    • They gain confidence in long‑term planning decisions, supported by facts.

    Need more information?
    • Dividend Information Page
    • 2026 Advisor Dividend Scale Notice
    • 2026 Client Dividend Scale Notice

    *Dividends are not guaranteed and are paid at the sole discretion of the Board of Directors.
    **Applies to new and existing policy loans and automatic premium loans, specifically Equimax® policies with 9-digit policy numbers beginning with 3 or 8. Older policies may have different loan rates as they reflect the prime interest rate.
     
  7. [pdf] Segregated Fund Annual Report - December 31, 2025
  8. [pdf] Segregated Fund Semi-annual Report - June 30, 2025
  9. Login information for current advisors
  10. Equitable Life Savings & Retirement Webinar Series welcomes Mackenzie Global Strategic Income.
    In 2021, Equitable Life’s Savings & Retirment team will spotlight various aspects of our competitive fund lineup and product offerings. Each webinar in the series will feature a new topic. This series will also give advisors an opportunity to:
    • learn more about various products and product features,
    • hear from industry professionals,
    • learn about investment strategies; and so much more.
     
    This month, Equitable Life welcomes Eric Glover, AVP Investment Director and Hadiza Djataou, VP Investment Director, from Mackenzie Investments, who will highlight the Mackenzie Global Strategic Income fund.
     
    Join your host Joseph Trozzo, Investment Sales Vice President, and our Mackenzie Investments guests.
     

    Learn More