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  1. Anti-money laundering legislation changes for Savings & Retirement forms and applications
    To comply with the Government of Canada’s anti-money laundering legislation and FATCA/CRS changes, Equitable Life® has updated its Savings and Retirement forms and applications. New online forms and applications are available to download from EquiNet®. Paper applications are also available to order from Equitable’s Supply Team. For a complete list of all forms and applications affected by the anti-money laundering legislation, refer to Anti-money Laundering Legislation Requirements Summary.
     
    What should I do if I have existing paper applications?
    If you currently have paper applications (Form #1383, #1384, #799, #355) with a version date that is before April 2, 2021, Equitable Life will continue to accept them, with the caveat that additional information may be required from you and your client to comply with anti-money laundering legislation.
     
    How long can I use my existing paper applications with a version date before April 2, 2021?
    Paper applications (Form #1383, #1384, #799, #355) with a version date prior to 2021/04/02 (located on the back page and in the bottom right-hand corner of the application) will no longer be accepted after July 1, 2021. If you have applications with a date that is before 2021/04/02, please destroy them and use the fillable/savable PDF on EquiNet. You can also order paper applications from our Supply Team.
     

    Want to be sure you always have the most up-to-date application? Try our EZcomplete® online application platform. EZcomplete makes it easy to process your non face-to-face applications and allows your clients to provide their signature remotely on their own device.
     
    To learn more about the Government of Canada’s anti-money laundering legislation and FATCA/CRS review the following links.
     
    Government of Canada - Guidance on the Common Reporting Standard
    Financial Transactions and Reports Analysis Centre of Canada
     
    If you have any other questions, contact your Regional Investment Sales Manager.
     
    ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.

     
  2. Growing your business in the large case market At Equitable®, we’re growing at a rapid pace in the large case market. We’re excited to share a new video highlighting all the great reasons to choose Equitable for large case clients—featuring Rob Hollingsworth, Head of Distribution and Product Marketing, Individual Insurance.

    Highlights at-a-glance
    •    We have capacity up to $130 million ultimate net amount at risk
    •    Up to $10 million internal retention
    •    Our mutual structure gives us a number of advantages, including the ability to provide personalized service

    Equitable offers full support to help you work on large cases and successfully implement solutions, and we’re continually adding tremendous experience and talent to our organization. Our team of wholesalers, specialized underwriters, advanced case consultants, and tax and estate planning professionals are here to support you with your complex and larger files.
    Our large case market webpage not only features our new video—it also showcases our team of large case experts and includes a growing list of marketing materials and resources to help you succeed.

    Do you have a large case client opportunity, and want to expand in the large case market?

    Visit our large case markets webpage to learn more.



    ® or TM denotes a trademark of The Equitable Life Insurance Company of Canada.
     
  3. [pdf] Corporately Owned Segregated Funds
  4. 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

  5. Spring update and dividend scale for 2025/2026
    Good news! The Equitable® Board of Directors has approved continuing our current dividend scale for the period of July 1, 2025, to June 30, 2026.

    • The interest rate* we use to decide the dividend scale will stay at 6.40%.
    • Other factors used to decide the dividend scale will stay the same.
    • The interest rate for policies with dividends on deposit will stay at 3.50%.
    • The interest rate for most policy loans will stay at 6.50%. This applies to both new and existing policy loans, and automatic premium loans. It specifically applies to Equimax® policies with a 9-digit policy number that starts with either "3" or "8". Older policies may have different loan rates as they are based on the prime interest rate.

    *The dividend scale interest rate (DSIR) is different from the participating account (PAR) rate of return. The DSIR smooths out the ups and downs of the participating account experience. The PAR rate of return is the return on the investments in the participating account over the calendar year.

    Need more information?
    Did you miss our Spring Update & 2025 Dividend Scale Announcement?
    Watch it now:

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  6. 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
  7. [pdf] What's New July 6 2017
  8. [pdf] Claimant’s Statement – Entities
  9. [pdf] Personalized Brochure - What did you wish for this year?
  10. Making it easier to claim for Loss of Independent Existence for EquiLiving Critical Illness insuranc We have recently changed the definition of Loss of Independent Existence (LOIE). As a result, the Critical Illness claim criteria has also changed. Before, EquiLiving® Critical Illness insurance coverage was issued with a definition of LOIE that required clients to have the total inability to do 3 of 6 Activities of Daily Living (ADLs). Now, clients will only need to give us proof of the total inability to do 2 of 6 Activities of Daily Living (ADLs) to submit a claim for LOIE. 

    This change makes it easier for clients to claim for this covered critical illness. This change is retroactive to February 2022.

    Clients will be sent a notice from us with a personalized endorsement from Equitable Life. This applies to their policy and forms part of their contract. We will approve claims for LOIE as outlined in the endorsement.

    LOIE is one of the 26 conditions named as a covered critical illness in an EquiLiving policy or Critical Illness insurance rider on an Equitable Life insurance policy. With a loss of independent existence, some activities of daily living can no longer be done on one’s own. This can happen because of a disease or an injury. 

    Want to learn more? See the marketing piece: Understanding the Covered Conditions (1248).  

    For more information, reach out to your local wholesaler.


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