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1. A year of celebration - 100 years of protecting what matters most to Canadians We’re proud to be celebrating 100 years of experience in the insurance industry. Over the last 100 years, through significant historic and financial challenges – two World Wars, the Great Depression, economic crises in the 80s and 90s, regulatory challenges and significant growth and expansion in the face of stiff industry competition – Equitable Life of Canada^® has become one of Canada’s largest and most financially stable mutual companies. 
    
   2020 marks our 100^th anniversary and we want to thank everyone who has been a part of this journey. A special 100^th anniversary website, www.equitable100.ca, highlights the company’s historic milestones and shares information about the anniversary-related activities. Special celebrations will be taking place including:
    
   • The Equitable Gives Back Contest that will award five charitable organizations in Canada a grant of $10,000 each based on their winning entries;
   • The $100 a day giveaway where randomly selected clients will receive $100. In addition, there will be three grand prizes awarded to randomly selected clients at the end of the year; and
   • The 100^th Anniversary Legacy Donation, that will be announced in May, to an organization in  Waterloo Region that helps strengthen our community.
   You provide us with the support we need to keep our promises to Canadians. We’ve built Equitable Life^® together over the last 100 years and, together, we’ll thrive for the next 100. We’re proud of our past, and we’re excited for the future as we begin the next chapter for Equitable Life of Canada.
    

   ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.

2. Can’t meet in person? EZcomplete is an EZ way to meet online

   
   Instead of canceling your meeting, why not meet online instead? Our EZcomplete^® application makes it easy to process your non-face-to-face applications and do business with Equitable Life.
    
   EZcomplete is available on Pivotal Select™ segregated funds and all life products – Term, Whole Life, CI and Universal Life – and allows for the signing process to change from in-person to non face-to-face at the end of the application, despite how it was started.  This gives you and your clients the option to easily and efficiently connect remotely.
   
   
   
   How does it work?
    
   EZcomplete gives you the option to conduct your non face-to-face business easily and quickly, enabling your clients to provide their signature remotely on their own device. You simply need to enter their email address and provide them with a secret passcode to securely access the documents to review and sign.
    
   There is no limit on the face amounts or product options and the time to settle is reduced when using the application. It is a flexible, intuitive tool to use, and helps keep business on track now that many clients and advisors are opting for more social distance.

   
   For Life Advisors, please refer to the New Business and Underwriting page on Equinet for details about non-face-to-face delivery.

3. Deposits to the Fidelity Special Situations mutual fund are being limited but the segregated fund is
   Fidelity Investments^® recently said they would no longer accept deposits from new investors into the Fidelity^® Special Situations Fund. This notice however does not affect Equitable Life^® clients.
   
   The Special Situations Fund will continue to be open to new and existing Equitable Life clients. This includes clients with Pivotal Select™, Pivotal Solutions* or Personal Investment Portfolio segregated funds contracts.
   
   Why is Fidelity limiting access to the mutual fund?
   This award-winning mutual fund has grown significantly and now has $3.6 billion of managed assets. To preserve the integrity of the fund’s investment strategy, Fidelity^® decided to limit inflows to the fund. Limiting the amount of managed assets held within the fund allows the fund’s portfolio manager to focus on what he does best - finding special situation investment opportunities and capitalizing on positive change within companies and industries across Canada and around the world.
   
   If you like the Special Situations mutual fund, you will value the Equitable Life Fidelity^® Special Situations segregated fund. Segregated funds are similar to mutual funds but offer different features and guarantees. To learn about these features, check out the Investment Advantage. To learn more about the Special Situations segregated fund, click here.
   
   
   For more information about Equitable Life’s segregated funds, speak to your Regional Investment Sales Manager or visit our segregated funds page on EquiNet^®.
    
   References:
   Fidelity’s press release announcing the limited fund closure
   Fidelity^® Special Situations portfolio management strategy, webinar featuring Mark Schmehl, Portfolio Manager.

   
   
   *No Load, Deferred Sales Charge, Pivotal Solutions II
   ® or ™ denotes a trademark of The Equitable Life Insurance Company of Canada, except as noted below.
   Fidelity and Fidelity Investments are registered trademarks of 483A Bay Street Holdings LP. Used with permission.

4. The value of Equitable Life’s EZcomplete online application for Pivotal Select
   Necessity is the mother of invention. And COVID-19 has taken Equitable Life’s® EZcomplete® online application to the next level. Prior to the pandemic, EZcomplete was touted as being convenient and easy to use. Well, it is. But now…it is so much more.
   
   Whether secure in an office or safe at home, EZcomplete’s non face-to-face capabilities include an alternative to physical verification. EZcomplete simply requires verification of ID using a third-party service provider. The third-party service provider completes the verification behind the scenes using information that was already required to complete an application. By removing the physical ID requirements, the ID verification process has been automated and simplified.
   
   EZcomplete’s electronic signature functionality is also easy and secure. To enable a remote signature, your client just provides an e-mail address. Your client will receive a link and security code that you provide. The client enters the code, reviews the application and e-signs the documents.
   
   Step by step directions ensure you have the right details without any confusing or unnecessary questions. Highlighted fields alert you to any missing information, eliminating any extra work or effort. The immediate processing also helps make it an attractive resource.
   
   
   
   Whether selling segregated funds face to face or from the comfort of home, Equitable Life’s EZcomplete online application and Pivotal Select™ segregated fund line up provide the solution for even the most rattled and weary investor. Learn more, visit EquiNet or contact your Regional Investment Sales Manager.
    
5. Join us for an Equitable Life Master Class webcast featuring Daryl Diamond, Dynamic Funds

   Building Your Business in the Retirement Income Market featuring Daryl Diamond, Chief Retirement Income Strategist, Dynamic Funds 
   
   You’re invited to our next Equitable Life Master Class webcast offering compelling topics and unique ideas from leading experts to help you manage and grow your business. 
   
   Daryl Diamond is an author, educator and sought-after speaker on how clients can achieve the greatest security and satisfaction during the retirement years. 
   
   
   In this Master Class, Daryl Diamond will discuss how the last four years have been extremely challenging for retirees, pre-retirees and for the advisors who service them. He will focus on key aspects of retirement income planning from the perspective of: 

   • delivering and sustaining tax-efficient income, 

   • managing high inflation, 

   • investing in volatile markets, and 

   • navigating high interest rates. 

   
   Learn more

   
   Posted October 11, 2023

   Continuing Education Credits 

   This webinar has been submitted for continuing education (CE) approval with the Insurance Council of Manitoba and Alberta Insurance Council for all provinces excluding Quebec. Upon approval, you will be sent an email notification to come back to the webinar presentation console to download your personalized certificate from the tool bar. To be eligible for CE credits, you must register individually, watch the webcast in full and complete a short quiz. This webcast is available in English only. 

   
   
   ® denote a registered trademark of The Equitable Life Insurance Company of Canada
6. Wrapping up 2025 with our new term rates!
   Among the most competitive in the market
   Equitable^® is wrapping up 2025 with our new term rates effective November 22, 2025. Many Canadians view life insurance as unaffordable, with 34% saying cost is the top reason they go without coverage.¹ Our new term rates are designed to help address these concerns. They offer flexible and affordable options to help clients get the protection they need.    
   ¹ Investment Executive at Survey finds affordability, lack of trust, barriers to buying life insurance | Investment Executive 
   
   What’s New:
   Updated premium rates for Term coverage, included on:
   • Term 10, Term 20 and Term 30/65 plans
   • Including Term Riders on Critical Illness (CI), Whole Life (WL), Equitable Generations^® Universal Life (UL) and Equation Generation^® IV Universal Life
   
   View our Transition Rules for all the details on processing your applications. 
   
   
    
    
   New term rate highlights*:
   *Effective November 22, 2025. Our term rates ranked among the best on LifeGuide when compared against top carriers in key markets.
   
   Check out our new term rates for yourself. Run quotes monthly (versus annually) for our best term rates.
   
   Contact your Equitable wholesaler today to learn more!
   
   
   
    
7. Boost your knowledge and earn CE credits

   Need continuing education credits?

   Equitable is happy to offer online courses focusing on insurance. The courses allow you to learn at your own pace and earn CE credits quickly and easily. You can earn CE credits right away when you complete these courses. All courses are accredited by Alberta Insurance Council, Insurance Council of Manitoba, The Institute for Advanced Financial Education, and Chambre de la sécurité financière*.
    
   Existing courses:
   1.    Building your business with critical illness insurance
   2.    Ensuring a Compliant, Needs-based Insurance Sale
   3.    Harness the power of whole life cash value
   4.    Introduction to whole life insurance
   5.    Path to Success - Expert Advice on Navigating CI Sales
   6.    Participating whole life for the children's market: A head start for tomorrow
   7.    The mechanics of universal life 
   8.    Where UL Fits in your Product Portfolio
   
   
   A few important notes before you get started:
   •    The programs are hosted on Teachable: https://equitable-life-education.teachable.com/
   •    Username: Please use your email address that you are contracted with
   •    Password: Equitable
   •    Please use Google Chrome to access the courses
   
   Start Earning CE Credits!
   
   Check out the individual insurance online learning centre on EquiNet to stay up to date on new courses. 
   
   Questions?
   Contact your local wholesaler.
    
   Are you having trouble logging in or accessing certificates?
   Email equitableiimarketing@equitable.ca for assistance.
   
   *Please select the course with “QC credits” in the title for La Chambre credits.
8. [pdf] Daily/Guaranteed Interest Account Contract
9. Online Annuity Quotation
10. Online Annuity Quote