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1. About
2. Let’s “Talk Money”: November is financial literacy month This November, we’re joining the Financial Consumer Agency of Canada’s national campaign to help Canadians feel more confident about money. This year’s theme is “Talk Money”, and it’s all about normalizing money conversations.
   
   Talking about money— including topics like saving, budgeting, or dealing with debt—can feel hard. But when we speak up, we help reduce stress and build stronger financial habits. As advisors, you can lead the way by starting these conversations with clients.
   
   How you can help
   • Start the conversation: Ask clients about their goals and worries.
   • Share tools: Use Equitable^® Individual Wealth calculators and learning modules to help guide conversations.
   • Support wellness: Money stress affects mental health. Be a calm, helpful voice.
   
   What’s next?
   Watch for more Financial Literacy Month updates throughout November. We’ll be sharing tips, tools, and conversation starters to help you connect with clients and support their financial journey.
   
   Let’s help Canadians take small steps toward better financial futures — one conversation at a time.
3. Universal life product linked interest option changes
   
   On July 1, 2025, we will be changing the index that is tracked for the linked interest options shown far below.
   
   Clients can change their investment options at any time if they choose. This includes the Linked Interest Option(s) for money currently invested and future deposits.
   
   Requests for this change can be done:
    
   • In writing – Submit the Reallocation and transfer of funds – universal life form (form 693UL).
   • Online by advisors – Go to Policy Inquiry on EquiNet^® (advisor site).
   • Online by clients – Links in Client Access® through Equitable.ca.
   Please contact your Equitable^® Wholesaler for more information. 
    

   Linked Interest Option	Universal life insurance solution	Currently tracking	Effective July 1, 2025
   Canadian Equity Index	• Equitable GenerationsTM	S&P/TSX 60® Total Return Index	S&P/TSX Composite® Total Return Index
   Canadian Equity	• Equation Generation® IV • EquiLife® • Equation Generation III • Equation Generation II • Equation • Direction 2000 Plus

   
   S&P/TSX® 60 Total Return Index and S&P/TSX Composite® Total Return Index registered trademarks of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and S&P Global. All others are registered trademarks of The Equitable Life Insurance Company of Canada.
    
4. Equitable Life of Canada ends 2020 in a position of financial strength

   Equitable Life of Canada is pleased to report that our strategic approach continued to serve us well in 2020, despite operating in a global pandemic.

   Equitable Life, one of Canada’s largest mutual life insurance companies, closed out 2020 with strong earnings and solid growth.

   The Company reported earnings of $153 million, equating to a return on policyholders’ equity of 16%. This result was driven by strong sales, investment performance, positive impacts from favourable expense ratios and reserve assumption changes.

   “There is no doubt the global pandemic has had, and continues to have, a profound impact on the lives of Canadians and created challenges for all of us in 2020 that we could never have envisioned,” said Ron Beettam, Equitable Life’s President and Chief Executive Officer. “Thanks to the resiliency and commitment of our entire team, we effectively responded to unfavourable impacts caused by the pandemic, including market volatility, and continued to achieve a high growth rate on most key measures, ending 2020 in a position of financial strength.”

   Equitable Life reported premiums and deposits of $1.7 billion in 2020, contributing to $6.0 billion of assets under administration. This growth was supported by very strong sales during the pandemic, as more Canadians turned to insurance to protect the financial security of their families. Dividends to participating policyholders increased by 24% over the prior year.

   The Individual Insurance business reported 2020 sales of $149 million, reflecting the third consecutive year of double-digit sales growth. Savings & Retirement reported sales of $401 million, driven by sales of segregated funds. Group Benefits delivered sales of $46 million, despite competitive industry pricing strategies and the impact the pandemic had on businesses.

   Equitable Life finished the year with an impressive LICAT ratio of 166%, well above the regulatory target and one of the highest in the industry. This capital result demonstrates that we are well-positioned to continue meeting our commitments to our policyholders. In addition, DBRS Limited (DBRS Morningstar) upgraded our Financial Strength rating to A (high) with Stable Trends in September.

   “While we don’t yet know what future impacts the global pandemic could have on our business, we know we can face the future with confidence,” said Beettam. “I am very proud of all that we have accomplished together, especially throughout this unpredictable year, and I know the Company is very well positioned to meet the challenges ahead and will continue building on those achievements by focusing on organic and profitable growth across all lines of business, with a continued emphasis on meeting the needs of our policyholders and distribution partners.”

   2020 Financial Highlights

   • Net income of $153 million, for a return on policyholders' equity of 16%
   • Capital strength, as measured by the LICAT ratio, ended the year at 166%
   • Participating policyholders' equity surpassed $1 billion
   • Premiums and deposits increased by 6.8% to $1.7 billion
   • Sales of $149 million in Individual Insurance, $401 million in Savings and Retirement, and $46 million in Group Benefits
   • Assets under administration grew 17.6% to $6 billion
   • Benefits and payments to policyholders of $820 million
   • Dividends to participating policyholders increased by 24% to $61 million

   About Equitable Life of Canada

   Canadians have turned to Equitable Life since 1920 to protect what matters most. We work with independent advisors across Canada to offer individual insurance, savings & retirement, and group benefits solutions to meet your needs.

   Equitable Life is not your typical financial services company. We have the knowledge, experience and ability to find solutions that work for you. We’re friendly, caring and interested in helping. As a mutual company, we are not driven by shareholder pressures for quarterly results. This allows us to focus on management strategies that foster prudent long-term growth, continuity and stability. We are dedicated to meeting our commitments to customers – now and in the future.

5. 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

6. [pdf] Payout Annuity Rate Guarantees
7. Do you have clients looking for growth but are concerned about taking on too much risk?

   
   Please join us to hear Dina DeGeer, Senior Vice President, Portfolio Manager, Head of the Mackenzie Bluewater Team and David Arpin, Senior Vice President and Portfolio Manager, Mackenzie Investments, discuss how the Mackenzie Bluewater Team is positioning the Mackenzie Canadian Growth Balanced Fund for future success
   
   Learn about the value of investing in high-quality businesses and how taking a broader approach to fixed income investing can deliver the balanced solution your clients are looking for
   
   Equitable Life is pleased to offer the Mackenzie Canadian Growth Balanced fund as one of six different Mackenzie funds in Pivotal Select™ segregated fund lineup.
    

   Learn More

8. Short and long-term income solutions from Equitable Life
   Do you have clients without a company pension plan, close to retiring and worried about outliving their savings? Have you talked to them about annuities? Maybe it’s time you did. 
    
   A payout annuity from Equitable Life® provides regular guaranteed income in retirement. Your clients can choose from
    
   • Life Annuity – guaranteed income for life
   • Joint Life Annuity – guaranteed income for two lives
   • Term Certain – guaranteed income for a specific period of time (5 to 30 years)
   • Term Certain to Age 90 – guaranteed income until age 90
    
   There’s no need for your clients to worry about stock market fluctuations or changing interest rates, what better time to add an annuity to your client’s retirement savings strategy.
    
   Payout annuities are an excellent solution for
   
    
   • Converting your savings into retirement income
   • Covering predictable fixed monthly expenses
   • Providing lifetime income
    
   For more information on payout annuities, please click here.
    
    
9. Videos
10. Help clients navigate the tax landscape across investment types with Equitable With tax time in full swing, you’re invited to a helpful webcast that will explain how different investment types are taxed. This will give you simple language you can use to build clearer conversations with clients.
    
    This session will help you explain the key differences between:

    • Registered plans (which shelter or defer tax):
         • RRSP: Contributions offset taxable income. Taxes are deferred until withdrawals are made.
         • RRIF/LIF: All withdrawals are taxable.
         • FHSA: Contributions, withdrawals, and transfers appear on T4FHSA/Relevé 32.
         • TFSA:  Helps your investments grow tax-free.

    • Non‑registered plans (which are taxed yearly):
         • Income is taxed each year (not deferred). 
         • Reporting usually comes through T3 or T5 slips.

    
    Host: Taylor Tatay, Director, Investment Sales
    Guest Speaker: Chris Petroff, Individual Wealth Product Strategy Manager

    Learn more

    
    Continuing Education Credits 
    This webcast has been submitted for continuing education (CE) approval for all provinces excluding Quebec via the Insurance Council of Manitoba and Alberta Insurance Council. Upon approval, you will be sent an email notification to come back to the webcast 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. It is the advisor's responsibility to ensure Continuing Education credits being offered are accepted by their licensing body. Alberta Insurance Council (AIC) credits are valid in Yukon, British Columbia, Alberta, Saskatchewan, Ontario, New Brunswick, Prince Edward Island and Nova Scotia. Insurance Council of Manitoba (ICM) credits are valid in Manitoba only. 
    
    This webcast is available in English only. 
    
    Date posted: March 18, 2026