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1. [pdf] Segregated Fund Semi-annual Report - June 30, 2025
2. [pdf] Alternative Identification Requirements
3. [pdf] Non-Face to Face Meetings ID Verification
4. [pdf] Borrowing money to save money
5. [pdf] Your Guide to EquiLiving (Client Guide)
6. [pdf] Large case insurance solutions
7. Excelerator Deposit Option – maximum payment limit changes

   The Excelerator Deposit Option (EDO) gives your client the option to make additional payments, subject to specified limits and our current administrative rules and guidelines, above the required guaranteed policy premium. EDO payments can help grow the long-term values in your client’s policy.  This change is regarding the maximum EDO payment limit that applies to the policy.
    
   For Equimax policies with an Owner Signature Date of June 26, 2021 or after where a term rider has increased the maximum EDO payment limit on the policy

   ● NEW! If a request is received to terminate, convert, or reduce the term rider and the term rider has been in effect for 10 years or longer, the EDO maximum for the policy will not be reduced.
   ● If a request is received to terminate, convert, or reduce the term rider and the term rider has been in effect for less than 10 years (it has not reached the 10^th policy anniversary), the EDO maximum for the policy will be reduced accordingly.
   
   Current rules as to when underwriting is required for EDO payments continue to apply, as do current rules surrounding acceptance of EDO payments and maintaining the tax-exempt status of the policy and can be found in the Equimax Product Admin Guide.
   
   Want more information?
   • EDO Q&A
   • Equimax Product Admin Guide
    Contact your Regional Sales Manager for more information on these changes
    
8. Enhancements to ID Verification and Business Forms

   We have made enhancements to some of our forms and created an additional form to help make it easier for you to do business with Equitable Life®.
    
   The first enhancement is an update to the ID Verification section to allow for Third Party ID Verification when a client doesn’t want to provide ID documents to an Advisor. They are now given additional options to either use the Alternative Identification requirements, or consent to Equitable Life verifying their identity through a third party service provider. We’ve also clarified in the Advisor declaration that they can’t sign for their own policies as they aren’t able to validate their own ID.
   
   The above changes have been made to the following forms:

   • 671OC – Ownership Change Form
   • 1027 – Additional/Updated Customer Information
   • 1616 – Application for Term Conversion
    
   The second enhancement is an update to Business forms. We’ve created a new form, 2004 Signing Authorities Certificate, to help Businesses provide the Signing Authority information needed more easily!  Forms 594 and 682ENT have been updated to point to the new Form 2004 and also have new “Ownership structure” requirements added in section 2.
   
   View the below forms for details on these changes:
   • 2004 – Signing Authorities Certificate (NEW)
   • 594 – Business Information Form
   • 682ENT – Claimants’ Statement for Entities
   
   ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
    
9. Increased auto approval means more time to focus on your complex cases

   As the year draws to a close, we are pleased to reflect back on our many enhancements geared toward improving our auto-approval rates and the notable impact they have made on our service standards.
   
   Throughout 2021, we have invested significantly in our services and technology, including data & analytics to ensure that more of our new business applications are approved automatically without any intervention, leaving our teams available to engage in settling your complex cases. As a result of these enhancements, over the past 3 months we have improved from 8% of our new business flowing straight through to approval, to an impressive 25% of cases requiring no underwriting*. 
   
   There are a number of factors that contribute to this straight through approval success in processing applications, such as simpler cases, applicants with no medical history or medical issues, younger applicants and applications for lower face amounts. These factors, alongside our ongoing efforts to fortify our processes, has resulted in positive feedback from the field.
   
   Advisors have mentioned you’ve felt the impact on our speed and service, and we will continue forward into 2022 with this positive momentum, with further enhancements to help make it easier for you to do business with Equitable Life.
    
   *As of December 2021

10. Step Up Your Wealth Sales with Equitable Life

    
    Step up your wealth sales with Equitable Life^® and you’ll be rewarded with a growth bonus for doing more business in 2022.  Make this year your best year ever with Equitable Life!
     
    The program rewards advisors who promote Equitable Life’s Savings & Retirement products to existing and new clients as part of an overall investment strategy based on client needs. 
     
    
    
    
    
    Commission Bonus Calculation:
    Gross deposits into segregated funds
    + Gross deposits into Guaranteed Interest Account (GIA) contracts
    + 25% of payout annuity sales
    ― Segregated fund redemptions
    ―  GIA redemptions
    = 2022 Net Deposits
     
    All eligible deposits, sales, and redemptions occurring between January 1 and December 31, 2022, will be used to calculate an advisor’s 2022 net deposits.
    
    
    
     
    * The bonus amount will be calculated at the end of 2022 based on net deposits. The bonus will be paid within 90 days following December 31, 2022. Maximum bonus payable is $75,000.
     
    For more information, download our flyer or contact your Equitable Life Regional Investment Sales Manager.
     
    And as a reminder, we increased the CB5 sales option initial commission from 5.6% to 7.0% on Pivotal Select™ segregated funds. The 7% initial commission is effective from May 20 to August 31, 2022 only.** Learn more.
     
    Equitable Life is committed to offering advisors and clients product, service, and feature choices that best suit their needs. We offer multiple sales charge options, three distinct guarantee classes, and a diverse selection of investment funds to align with advisors’ and clients’ unique needs.  

     
     
    ** Equitable Life reserves the right to end the campaign, at any time and without notice.
    ™or ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.