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1. [pdf] Business Information Form
2. Important notice: Funds with Deferred Sales Charges The Canadian Council of Insurance Regulators (CCIR) is requiring all insurance companies to discontinue the sale of segregated funds with deferred sales charges (DSC) effective June 1, 2023. This also impacts ongoing or new deposits to some existing segregated fund accounts. Please contact any Equitable Life clients who may be impacted.
    
   How this impacts clients:
   In response to the insurance regulator’s recommendation, Equitable Life^® will be making changes to the administration of certain segregated fund products, which may impact clients. The details are outlined below:
    
   Pivotal Select™ segregated fund product
   On or about May 29, 2023:
   • Funds with DSC or Low Load (LL) sales charge options will be closed to additional deposits. Future deposits must be allocated to the No Load (NL) sales charge option of the funds available within the policy.
   • Any existing amounts held in DSC or LL funds are not impacted and will retain the existing deferred sales charge schedule outlined in a client’s contract. The annual 10% available (20% for RIF policies) for withdrawal without fees continues to apply through to the expiry of the fee schedule.
   • If the default deposit instructions that a client previously provided include funds with DSC or LL sales charge options, these instructions will be automatically updated to the NL sales charge option of the same fund for all future deposits.
   • If a client has pre-authorized scheduled deposits into funds with the DSC or LL sales charge options, these instructions will be automatically updated to the NL sales charge option of the same funds for all future deposits.
   • In alignment with our current administrative rules, if a client has DSC or LL funds, they will not be able to make deposits into No Load Chargeback funds (NLCB and NLCB5) within the same policy.
    
   Legacy segregated fund products
   Ongoing deposits to DSC funds are permitted when a segregated fund product does not have an alternative sales charge option available within the contract. This applies to the following products:
   • Personal Investment Portfolio
   • Pivotal Solutions II
   • Pivotal Solutions DSC
   As a result, clients who own these types of products may continue to make new deposits to the DSC funds within their policy. Any new segregated fund deposits, as well as any existing segregated fund amounts within their policy will retain the deferred sales charge schedule outlined in their contract.
   
   If a client plans on making additional deposits, they may be interested in alternative sales charge options that do not include DSC. For example, Equitable Life offers “No Load” (NL) and “No Load Chargeback” (NLCB and NLCB5) sales charge options within the Pivotal Select segregated fund contract. In these situations, a new application would need to be completed and submitted.
   
   Please note that draft regulation in Quebec is currently under review which may impact Equitable Life’s approach for Quebec clients with legacy segregated fund products.
   
   Equitable Life will continue to monitor provincial regulatory developments and adjust our approach as needed.
    
   Client communication
   We will be sending clients a letter within their December 31, 2022, statement describing their options, and the impacts to their policy (if applicable). We recommend that you contact clients to discuss the contents of Equitable Life’s letter and provide any advice that they may need regarding ongoing deposits to their segregated funds. You can access a copy of the client letter here:
   • Pivotal Select letter
   • Legacy letter

    If you have any questions, please reach out to our Advisor Services Team at 1.866.884.7427.
   
   December 23, 2022
   
   ™ or ® denote registered trademarks of The Equitable Life Insurance Company of Canada.

3. Introducing Equitable EZBenefits: A better group benefits solution for your small business clients If you serve small business owners, chances are they’re looking for a group benefits solution that’s affordable, sustainable and easy to manage. That’s why we introduced Equitable EZBenefits™. It’s a unique group benefits solution designed with you and your small business clients in mind.
    
   Options to fit every need
   Available to organizations with between 2 and 25 employees, EZBenefits offers a range of plan design options to match different needs and budgets. * Whether your client owns start-up or a growing company, we’ve got them covered. Plan options include a mix of Life, Health and Dental coverage. ** Clients can also add Long-Term Disability (LTD) coverage or a Health Care Spending Account (HCSA).
    
   Embedded services to support health and wellness
   To provide employees with added support for both their physical and mental wellbeing, all our plan design options include:
   • Anytime, online access to medical professionals through our Virtual Healthcare solution from Dialogue,
   • Access to professional counselors – via the telephone, the web or in-person – through our Employee and Family Assistance Program from Homewood Health®, and
   • Online resources to help manage health, financial and family challenges through Homeweb, Homewood Health’s online wellness portal.
   Extra HR support for your clients
   EZBenefits also comes with built-in HR support through Equitable Life’s partnership with HRdownloads® This takes the heavy lifting out of common human resource tasks with HR support tools and services, including:
   • HR Technology: An award-winning cloud-based human resource information system to provide help from onboarding to offboarding and everything in between.
   • HR Content: Access to a library of over 3,000 HR documents, templates, compliance resources and articles, with 25 free document downloads.
   • HR Training: A free Workplace Diversity and Inclusion online training course.
   • HR Support: One free Live HR Advice call with a seasoned HR expert.
   A streamlined process to optimize your time
   We know that advising small business clients can be challenging. We’ve created a streamlined benefits process that provides rapid quotes, hassle-free plan implementation, simplified renewals and that is easy to administer. That way, you can spend more time advising your clients and building your business – and less time with administrative back and forth.
    
   Pricing stability for long-term stability
   When it comes to attracting and retaining talent, we know your small business clients are competing with larger organizations that have big budgets and lots of resources. That’s why we’ve designed EZBenefits to provide long-term pricing stability for health and dental benefits.
    
   Find out more
   Watch this video to learn how EZBenefits can help you and your clients. You can also visit info.equitable.ca/ezbenefits for more details or to request a quote. If you have questions, contact your Equitable Life Group Account Executive. If you don't have an Equitable Life Group Account Executive, email us at EZBenefits@equitable.ca.
    
   
   * Not available in Quebec.
   ** Dental coverage is not included with the Bronze plan design option.
4. Convertibility - The Power of Term
5. Understanding segregated funds and their benefits
6. Life Policy Collateral Loans
7. [pdf] Building a Stronger Investment Portfolio
8. [pdf] Custom Quote - Payout Annuity
9. New Applications & Transaction Authorization Requirements
10. [pdf] Equitable’s Legacy Products: Personal Investment Portfolio and Pivotal Solutions