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Save time on your DIA/GIA applications with EZcomplete
Save time on your Daily Interest Account and Guaranteed Interest Account applications with Equitable’s EZcomplete^®. Recently launched on Equitable’s electronic application platform, EZcomplete takes the hassle out of completing applications.

EZcomplete applications are available for:
• Daily/Guaranteed Interest Accounts
•   Pivotal Select^™ segregated funds
•   Equitable Generations^™ universal life insurance
•   Equimax^® participating whole life insurance
•   EquiLiving^® critical illness insurance

Did you know:
•   Applications settle faster due to significantly fewer “NIGOs” (not in good order).
•   The electronic signature process is seamless, and ideal for in-person or remote applications.
•   EZcomplete delivers point-of-sale materials directly to clients.
•   Only the relevant sections display, reducing complexity, and simplifying the application process.

Just another reason to do business with Equitable. Go online today! Log in to EquiNet^® and click on the EZcomplete icon on the menu bar.

Date posted: October 8, 2024
Smoker to Non Smoker

Change to the Equitable Life Active Balanced Income Fund effective July 1, 2025 We’re making a small change to the Equitable Life Active Balanced Income Fund. The fund’s investment split was previously 50/50 between stocks (equities) and bonds (fixed income). As of July 1, the split changed to 40% stocks and 60% bonds.

Clients invested in the Equitable Life Active Balanced Income Fund will be notified of this change via their statement.

Why this change matters:
This change ensures the three Equitable Life Active Balanced funds are better differentiated from each other, covering a wider range of client needs.

Fund Name	Before July 1 Equities / Fixed Income	On and after July 1 Equities / Fixed Income
Equitable Life Active Balanced Income Fund	50/50	40/60
Equitable Life Active Balanced Fund	55/45	No change
Equitable Life Active Balanced Growth Fund	70/30	No change

The funds’ risk levels and investment categories remain the same.

If you have any questions, feel free to reach out to your Director, Investment Sales.

Date posted: July 28, 2025

EZtransact: Your digital edge for client requests
Advisors, are you using EZtransact^® yet? It’s the simple, secure way to submit client requests online—fast and frustration-free.

Why use EZtransact?

• Easy to use: The platform is simple and clear—no guesswork needed.
• E-Signature ready: Send forms to clients for secure electronic signing.
• Real-time error checks: Helps catch mistakes early and avoid delays.
• Faster processing: Once signed, transaction documents go straight to Equitable.

What can you do with EZtransact?
You can submit many types of transactions, including:

• Pre-Authorized Debit (PAD) Agreements
• Fund Switches
• RSP to RIF Conversions
• Withdrawals
• Dollar Cost Averaging
• Transfers from other financial institutions
EZtransact helps you save time and serve clients better. Try it today and make these transactions smoother.

If you have any questions, feel free to reach out to your Director, Investment Sales.

Date posted: August 21, 2025
New and improved online calculators
Individual Wealth is excited to announce the launch of eight refreshed and enhanced online calculators! These tools are designed to help advisors and clients make more informed and accurate financial decisions.

Why the change?
We have switched vendors to Ativa Interactive, a Canadian company with 30 years of experience in financial services. Their tools are more reliable and easier to use, offering a better advisor and client experience. Ativa Interactive has a robust portfolio of calculators available, giving us the opportunity to expand our offerings in future.

What’s available?
We kept the calculators you use most and added two new ones based on your feedback.

Popular calculators being refreshed:
•   Will the money last calculator
•   Savings Growth Calculator
•   TFSA vs taxable investment calculator
•   Retirement Projection Calculator
•   Become a millionaire calculator
•   RRIF Payment Calculator

New additions:
•   GIA laddering calculator
•   First home savings account calculator
These calculators are live and ready to support client conversations.

Questions?
If you have any questions or need support, please reach out to your Director, Investment Sales.

Date posted: August 28, 2025
About
Critical Illness Path to Success Program
A good time to look at the Equitable Money Market Fund Whether clients are looking for a short-term cash savings solution or are interested in funding a dollar cost averaging strategy, the Equitable Money Market fund may be an ideal solution.

With a current yield to maturity of 1.43%*, the fund provides maximum income through short-term investments consistent with preservation of capital and liquidity.

And advisors earn the full commission upon deposit on funds used for a dollar cost averaging strategy.

For more information check out Equitable Money Market Fund or contact your Director, Investment Sales.

* As of April 24, 2026, net of fees. Applicable to Pivotal Select and Equitable GIF contracts. Yield to Maturity: The market value weighted average yield to maturity includes the coupon payments and any capital gain or loss that the investor will realize by holding the bonds to maturity.

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

Date posted: April 29, 2026
New Dividend Scale effective July 1, 2021 The Equitable Life Insurance Company of Canada Board of Directors has approved a change to the dividend scale for the period July 1, 2021 to June 30, 2022.
- The dividend scale interest rate* will decrease from 6.2% to 6.05%.
- All series of participating whole life policies issued in the 2012 series and beyond other than the most recent Equimax Estate Builder® series will see an improvement in the mortality component. The most recent Equimax Estate Builder series, for sale as of September 12, 2020, already incorporated better mortality and its mortality component will remain unchanged. Series issued prior to 2012 will see an increase in the overall dividends but results will vary by series and policy.
- Other factors that are used to calculate the dividend scale will remain unchanged.
- The interest rate for dividends left on deposit will decrease from 2.75% to 2.25% for all participating whole life policies.
- The policy loan rate will remain unchanged at 6.2%. This applies to all new and existing policy loans, including automatic premium loans on Equimax® policies that have a 9-digit policy number beginning with a “3” or an “8”. The policy loan rates on some older blocks of policies may increase or decrease because they are tied to the prime interest rate.
*The dividend scale interest rate is not the same as the participating account rate of return in any given calendar year. The dividend scale interest rate smooths out the ups and downs experienced by the participating account.

Policyholder dividends in the next dividend scale year would be approximately $85 million, compared to $67 million in the prior dividend scale year.

The sustained low interest rate environment continues to put downward pressure on the experience in the participating account. If low interest rates continue, investment returns in the participating account will also be lower, and we may need to decrease the dividend scale in the future.

Your participating whole life clients will receive a notice of the dividend scale change with their annual policy statement. The Equitable Sales Illustrations system will be updated to reflect the new dividend scale. Updated illustration software will be available for download after 9 a.m. ET on June 25, 2021.

Find out more
EZtransact Training and Resources