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1. Path to Invest
2. [pdf] Termination for Internal Replacement
3. [pdf] Retirement Income Fund Understanding minimum withdrawal percentages
4. Cost Transparency: Why Preparation Matters
5. Celebrating our most popular Pivotal Select funds

   In August 2022, Equitable^® launched 12 new segregated funds in Pivotal Select’s Investment Class (75/75). We wanted to bring some new innovative solutions to the product, including six sustainable investment funds. To say the launch of these funds was successful would be an understatement.
   
   The funds are quickly becoming some of the most popular funds in Pivotal Select™, and their performance in 2023 was impressive. Equitable wants to celebrate these funds and encourage clients to consider them for their portfolios.
   
   As of February 29, 2024, nine out of the 12 funds received a 1st quartile ranking for their 1-year return and two more were 2nd quartile. The table below shows the new funds that ranked in the top two quartiles for their 1-year returns.

   
   

   Access additional fund performance information
   
   If you haven’t looked at these funds yet, now is the time. Speak to clients about their investment options and see if these funds fit within their investment portfolio.
   
   Talk to your Director, Investment Sales today for more information.

    

   Disclaimer

   Any amount that is allocated to a segregated fund is invested at the risk of the contractholder and may increase or decrease in value. Segregated fund values change frequently, and past performance does not guarantee future results. Investors do not purchase an interest in underlying securities or funds, but rather, an individual variable insurance contract issued by The Equitable Life Insurance Company of Canada. There are risks involved with investing in segregated funds. Please read the Contract and Information Folder before investing for a description of risks relevant to each segregated fund and for a complete description of product features and guarantees. Copies of the Contract and Information Folder are available on equitable.ca.

   Management Expense Ratios (MERs) are based on figures as of February 29, 2024, and are unaudited. MERs may vary at any time. The MER is the combination of the management fee, insurance fee, operating expenses, HST, and any other applicable non-income tax for the fund and for the underlying fund. For clients with larger contract values, a Management Fee Reduction may be available through the Preferred Pricing Program. For details, please see the Pivotal Select Contract and Information Folder.

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

    

   Posted April 18, 2024 

6. New Year, New Opportunities—Explore Equitable’s Competitive Term Life Solution The new year brings new opportunities to help clients feel confident about their financial future. Equitable’s term rates are among the best on LifeGuide in key markets*, combined with our flexibility and support, making us a great choice for clients. Run an illustration now!

   Why choose Equitable for term life insurance?

   • Great rates – we’ve recently repriced! On average, we reduced our monthly term rates by 5%. Check out our great term rates for yourself.  Tip! For best term rates, choose monthly premiums.
   • Flexibility to change the term plan** – life is always changing, and so do life insurance needs. Offer clients the flexibility to:
        • Exchange term plans: from Term 10 to Term 20 or Term 30/65. They can also exchange from Term 20 to Term 30/65.
        • Convert to permanent coverage: Offer clients the security of changing their term plan to any of our permanent plans without underwriting.
   • Partial term conversion with term rider carryover: Convert part of the term coverage into permanent protection and carry over the remaining coverage as any term rider plan.
   • Extra support when it matters most – our KIND^® program offers a suite of benefits for clients and their families. This reflects our deep commitment to standing by them when it matters most. 
   
   
   
   
   Build client relationships with trusted protection
   This year, and every year, strengthen your client relationships by choosing Equitable for term life protection. With our flexible solutions, innovative features, and unwavering support, you can help clients move forward with confidence.
   
   Start the year off by helping clients meet their insurance needs with a term plan.
   
   Run a quote today!
   
   Contact your Equitable wholesaler today to learn more!
   
    *Effective November 22, 2025. Our monthly term rates are ranked among the best on LifeGuide when compared against top carriers in key markets. 
   ** Administrative rules and age limits apply to exchanges and conversions. Please see the policy for details. The policy governs in all cases.
    
7. Equitable’s Grow Your Way Home contest

   
   From May 1 to August 31, 2026, clients who open an Equitable FHSA, make an FHSA contribution, or set up recurring FHSA deposits are automatically entered into Equitable’s Grow Your Way Home contest. A simple way to reconnect, re‑engage and help guide clients on their journey to home ownership.  

   
   Why this matters for your business 

   Use the contest as a reason to reach out: 

   • Re‑engage clients who haven’t contributed recently 

   • Encourage recurring deposits tied to paydays 

   • Introduce the FHSA to younger clients or first‑time buyers 

   • Support clients planning to use tax‑refund funds 

    

   
   What clients and advisors can win. 

   There will be two prize draws: 

   • Two winning clients will receive $8,000. 

   • Each winning client’s advisor receives $1,000. 

   See here for full contest rules and details. 
    

   How clients earn entries 

   We’re rewarding actions that help build real progress: 

   • New FHSA contracts 

   • One‑time deposits 

   • Automated monthly or bi‑weekly contributions 

   
   Key Dates 

   Contest window: May 1 – August 31, 2026 

   Draw date: September 21, 2026 

    

   How to Enter 

   Submitting contributions is quick and easy: 

   • Use EZcomplete® to open new accounts or process contributions. 

   • Use EZtransact® for ongoing client transactions. 

    

   Make the most of it 

   Your Director, Investment Sales can help you build a tailored outreach plan, share conversation starters and identify high‑potential clients to engage throughout the summer. It’s a simple, effective way to spark FHSA activity and strengthen client relationships all season long. 

    

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

   Equitable’s Grow Your Way Home contest: No purchase necessary. Contest period is May 1, 2026 to August 31, 2026. Enter by: opening an Equitable FHSA during the Contest Period; making a deposit to your Equitable FHSA during the Contest Period;  or submitting a no-purchase entry. Two prizes of $8,000 each to be drawn on September 21, 2026 will be awarded to clients. The servicing advisor for the contract to which the selected entrant made the deposit is also an eligible winner and will receive a $1,000 prize. Open to legal residents of Canada of the age of majority. Odds of winning depend on number of eligible entries received during the Contest Period. For full contest rules, including no-purchase method of entry, see the full contest rules.

8. Steady may be better than perfect. Why dollar-cost averaging matters.

   
   If clients are saving for a first home, staying consistent matters. A quick explanation of dollar‑cost averaging (DCA) helps them see why investing the same amount on a regular schedule can help reduce the stress of volatility, remove guesswork and keep their First Home Savings Account (FHSA) savings on track — giving you a natural bridge to Equitable’s Grow Your Way Home contest this summer.  

   Reinforce that DCA is about time in the market and consistent behaviour, not trying to pick the “perfect moment.” Here are a few talking points to work DCA into your FHSA conversations.  

   “Consistency beats guesswork.”  

   With DCA, clients contribute a fixed amount on a set cadence (e.g., bi‑weekly). That discipline can help them keep moving toward their saving goals even when headlines are noisy.  

   “Different prices, naturally.”  

   Regular contributions mean clients buy at various price points over time, which can help smooth out the impact of market ups and downs and also help spread risk.  
   
    

   “Make it automatic.”  

   Align DCA to paydays. Automating bi‑weekly FHSA deposits builds habit, helps reduce friction and keeps clients progressing toward their first home.  

   
   As you continue FHSA conversations this summer, remind clients that DCA plus automation helps them participate consistently, through all market conditions. And from May 1 to August 31, 2026, every Equitable FHSA account opened and every deposit to an FHSA account earns automatic entries in Equitable’s Grow Your Way Home contest.  

   Use EZcomplete® and EZtransact® to keep contributions seamless and connect with your Director, Investment Sales for additional support, tools and ideas to help you continue these conversations throughout the summer. 

    

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

   Equitable’s Grow Your Way Home contest: No purchase necessary. Contest period is May 1, 2026 to August 31, 2026. Enter by: opening an Equitable FHSA during the Contest Period; making a deposit to your Equitable FHSA during the Contest Period; or submitting a no-purchase entry. Two prizes of $8,000 each to be drawn on September 21, 2026 will be awarded to clients. The servicing advisor for the selected entrant’s relevant FHSA contract is also an eligible winner and will receive a $1,000 prize. Open to legal residents of Canada of the age of majority. Odds of winning depend on number of eligible entries received during the Contest Period. For full contest rules, including no-purchase method of entry, see the full contest rules. 

9. EZstart
10. [pdf] TFSA Third Party Contribution