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Competitive GIA rates and more!
With many bond funds declining in value over the past year, clients are looking for fixed income alternatives to reduce portfolio risk while providing a principal guarantee and an attractive interest rate.
Equitable Life® Guaranteed Interest Account (GIA) investment options are ideal for clients who want to create an emergency fund or save for a special purchase. And we’ve recently increased interest rates to make our GIA options even more competitive!
A few reasons to consider Equitable Life for your GIA business:- The GIA advantage – a life insurance contract can provide many estate planning benefits.
- Industry-leading compensation – we currently pay 40bps of commission per year of term.1 Many competitors only offer 20 – 25bps per year of term.2
- Cashable option3 – allows clients to access their money in case of unexpected circumstances. Not many competitors offer this feature.2
- Advisor rate discretion – advisors can forego up to 40bps of commission for an equal increase in interest rate, making our great rates even better.
- Win-Win – our GIAs allow you to give the client a better interest rate while still earning a good commission.
For more information, please contact your Equitable Life Regional Investment Sales Manager.
1 Equitable Life commission rates as at May 19, 2022.
2 Competitive information as at November 20, 2021; Equitable Life does not guarantee the accuracy of competitive information.
3 Withdrawals made prior to the maturity date will be subject to a market value adjustment and may be subject to tax.
® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
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See how choosing Equimax Participating Whole Life can help Raj plan for his family’s future
Raj wants to buy life insurance. He has wealth he’s grown over the years. He wants it to go to his family. He likes what participating whole life has to offer.
By choosing an Equimax participating whole life insurance policy with Equitable Life, Raj gets permanent insurance coverage with tax-advantaged cash growth. His policy can also earn annual dividend payments.
He learns about how his premiums go into a participating account and are invested. Some of that investment can come back to him as dividends.
With Equitable Life, dividends are shared only with participating policyholders. This makes Equimax Participating Whole Life an easy choice for Raj.
Watch our new Dividends with Equitable Life of Canada video to learn more. View on Vimeo or YouTube.
You can use this video to send to clients before or after meetings to help them understand Dividends with Equitable Life.
Plus, visit our Equimax product page, then click on the Marketing Materials tab for the latest Dividend marketing materials.
Need more information? Please contact your local wholesaler.
® and ™ denotes trademarks of The Equitable Life Insurance Company of Canada.
To learn more about our dividend policy and participating account management policy, please visit www.equitable.ca/en/already-a-client/dividend-information/
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. -
Clients looking to add a little balance and diversification to their investment mix?
An Equitable® Guaranteed Interest Account (GIA) may be just the right fit for them. With competitive interest rates, Equitable GIAs may be an ideal solution for clients looking to create a well-diversified and balanced portfolio.
A few reasons to consider Equitable for your GIA business:
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• The GIA advantage – a life insurance contract can provide many estate planning benefits.
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• Advisor rate discretion – advisors can forego up to 40bps of commission for an equal increase in interest rate, making our great rates even better.
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• Step Up Your Wealth Sales program1 – 100% of GIA net deposits are used to calculate the 0.75% bonus commission earned on net deposits for 20242.
Bookmark this page to check our current rates.
For more information, please contact your Director, Investment Sales.
1 Equitable reserves the right to alter or terminate this program at any time and without notice.
2 All eligible deposits, sales, and redemptions occurring between January 1 and December 31, 2024, will be used to calculate an advisor’s 2024 net deposits. See full Step Up Your Wealth Sales program details for more information.
® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
Date posted: May 9, 2024 -
- About
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Equitable’s DSIR leads the way
Equitable® offers a 6.40% dividend scale interest rate (DSIR) – the best in our industry1. But our DSIR is only one of the many benefits of choosing Equitable!
Why choose Equitable?
• Equitable proudly leads the way: We are the #1 seller of PAR whole life policies in Canada2!
• Our top DSIR: Helps clients save for the future and builds lasting value.
• Our Canadian heritage: Established in 1920, we are 100% Canadian-owned, based in Canada and dedicated exclusively to serving the needs of the Canadian market.
• Our financial strength & growth momentum: We invest with care, keeping clients’ savings safe and growing over time.
• Our mutuality: As a mutual, our clients come first – and eligible clients share in our success through dividends3.
• Our service & support: We offer great service, easy-to-use digital tools, and support at every step, making Equitable a trusted choice for clients and advisors alike.
In client meetings, be sure to share these outstanding benefits with clients. Doing so can demonstrate real value and boost your sales.
Questions? Reach out to your Equitable wholesaler or visit EquiNet. We’re ready to help you succeed.
Resources:
The Power of Together (Video)
5 Reasons to choose Equitable (1271)
Dividend Scale Announcement - 2024/2025
1 Source: Latest posted DSIR data on competitor websites – 2025.
2 Source: LIMRA – Canadian Individual Life Insurance Sales Participant Report - Q4 2024.
3 Dividends are not guaranteed and are paid at the sole discretion of the Board of Directors. To learn more about our dividend policy and participating account management policy, please visit www.equitable.ca/en/already-a-client/dividend-information/
- Deposits using online banking
- Online Annuity Quotation
- Online Annuity Quotation
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New segregated fund sales charge option from Equitable Life of Canada
On December 7, 2020 Equitable Life® will add a new No Load CB5 (NL-CB5) sales option with a 60-month chargeback schedule to the Pivotal Select™ segregated funds lineup. This new sales charge option complements the recently launched No Load CB (NL-CB) option which has a 36-month chargeback schedule.
This new sales option for Pivotal Select gives you and your clients five sales charge options to choose from: Low Load (LL), No Load (NL), No Load CB (NL-CB), No Load CB5 (NL-CB5) and Deferred Sales Charge (DSC). The addition of NL-CB5 provides an option for those advisors who want to increase the upfront portion of their commission. The benefit to clients is no Deferred Sales Charge to contend with. If your client chooses to withdraw funds within 5 years after purchase, there is a chargeback of commission to you.
By offering five sales charge options, the choice between three distinct guarantee classes (Investment Class (75/75), Estate Class (75/100) and Protection Class (100/100)), and a diverse selection of investment funds, the Pivotal Select contract provides the flexibility to build an investment solution that meets the needs of your clients.
Need to meet with your client online? Our EZcomplete® application makes it easy to process your non-face-to-face applications and do business with Equitable Life. 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.
For more information about Equitable’s NL-CB5 or any of Equitable’s products, contact your local Regional Investment Sales Manager or our Advisor Services team at 1.866.881.7427 Monday to Friday 8:30 a.m. – 7:30 p.m. ET or email savingsretirement@equitable.ca.
To learn more, click here.
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Equitable Life added the Mackenzie Global Strategic Income Fund to Pivotal Select
On June 7, 2021, Equitable Life® launched five additional funds to the Pivotal Select™ segregated funds lineup. Included in the launch is the Mackenzie Global Strategic Income Fund. Designed to deliver growth and income to investors, the underlying fund objective seeks income with the potential for long-term capital growth by investing primarily in fixed-income and/or income-oriented equity securities of issuers anywhere in the world.
At Equitable Life, we pride ourselves on offering quality products. This means always reviewing our investment fund lineup. This fund, along with the other new funds are available on all Pivotal Select load types and guarantee classes, providing you and your clients with even more choice and flexibility.
To learn more about Mackenzie Global Strategic Income Fund, join us on Tuesday, June 22 at 2:00 p.m. ET/11:00 a.m. PT to hear Eric Glover, AVP Investment Director and Hadiza Djataou, VP Investment Director, from Mackenzie Investments, highlight the balanced solution that this fund can bring to your client’s investment portfolio.
Click here to register!
Want to learn more about our new funds? Contact your Regional Investment Sales Manager today.
® and ™ denotes a registered trademark of The Equitable Life Insurance Company of Canada.