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Equitable Savings & Retirement communications are changing We’re revamping Equitable’s Savings & Retirement client communications! Our new letters give us the opportunity to ensure we are providing the right information in the right way to our clients.

As well as refreshing the look and feel of our letters, we’ve updated the content to be more clear, inclusive, and informative. This new experience will help show clients that we understand their needs and are here to support them in their investment journey.
Notable enhancements you can expect to see in our letters include:

• New layouts that provide a consistent experience
•  Digestible content written in plain language
•  Investment data organized in easy-to-review tables
•  Easily identifiable next steps and contact details

The rollout of the new letters began in June, starting with our client Welcome/Confirmation letter. You can access a copy of the client’s letters on EquiNet^®.

If you have any questions or want to share feedback, feel free to reach out to your Director, Investment Sales.

Date posted: July 2, 2025

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

Critical Illness Path to Success Program
Smoker to Non Smoker
New Dividend Scale effective July 1, 2021 The Equitable Life Insurance Company of Canada Board of Directors has approved a change to the dividend scale for the period July 1, 2021 to June 30, 2022.
- The dividend scale interest rate* will decrease from 6.2% to 6.05%.
- All series of participating whole life policies issued in the 2012 series and beyond other than the most recent Equimax Estate Builder® series will see an improvement in the mortality component. The most recent Equimax Estate Builder series, for sale as of September 12, 2020, already incorporated better mortality and its mortality component will remain unchanged. Series issued prior to 2012 will see an increase in the overall dividends but results will vary by series and policy.
- Other factors that are used to calculate the dividend scale will remain unchanged.
- The interest rate for dividends left on deposit will decrease from 2.75% to 2.25% for all participating whole life policies.
- The policy loan rate will remain unchanged at 6.2%. This applies to all new and existing policy loans, including automatic premium loans on Equimax® policies that have a 9-digit policy number beginning with a “3” or an “8”. The policy loan rates on some older blocks of policies may increase or decrease because they are tied to the prime interest rate.
*The dividend scale interest rate is not the same as the participating account rate of return in any given calendar year. The dividend scale interest rate smooths out the ups and downs experienced by the participating account.

Policyholder dividends in the next dividend scale year would be approximately $85 million, compared to $67 million in the prior dividend scale year.

The sustained low interest rate environment continues to put downward pressure on the experience in the participating account. If low interest rates continue, investment returns in the participating account will also be lower, and we may need to decrease the dividend scale in the future.

Your participating whole life clients will receive a notice of the dividend scale change with their annual policy statement. The Equitable Sales Illustrations system will be updated to reflect the new dividend scale. Updated illustration software will be available for download after 9 a.m. ET on June 25, 2021.

Find out more
About

Step Up Your Wealth Sales with Equitable Life! Welcome to the Step Up Your Wealth Sales program with Equitable Life® . You will be rewarded with a growth bonus for doing more business with Equitable Life in 2023!

The program rewards advisors who promote Equitable Life’s Savings & Retirement products to existing and new clients as part of an overall investment strategy based on client needs.

Commission Bonus Calculation:
Gross deposits into segregated funds
+ Gross deposits into Guaranteed Interest Account (GIA) contracts
+ 25% of payout annuity sales
- Segregated fund redemptions
- GIA redemptions
= 2023 Net Deposits

All deposits, sales, and redemptions occurring between January 1 and December 31, 2023, will be used to calculate an advisor’s 2023 net deposits.

Tier	2023 Net Deposits	Bonus Rate*
1	Less than $250,000	$0
2	$250,000 - 499,999	.25%
3	$500,000 – 749,999	.50%
4	$750,000+	.75%
5	Elite Advisor re-qualifiers¹	1.00%

* The bonus amount will be calculated at the end of 2023 based on net deposits. The bonus will be paid within 90 days following December 31, 2023. Maximum bonus payable is $100,000 for Elite Advisor re-qualifiers; $75,000 otherwise.

For more information, download our flyer or contact your Equitable Life Regional Investment Sales Manager.

Equitable Life is committed to offering advisors and clients product, service, and feature choices that best suit their needs. We offer multiple sales charge options, three distinct guarantee classes, and a diverse selection of investment funds to align with clients’ unique needs.

Posted:June 26, 2023

™or ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
¹ Elite Advisor re-qualifiers are advisors who attained Elite status as of end of 2022 and maintain Elite status at the end of 2023. To attain 2023 Elite Advisor status, an advisor must have $1,250,000 in gross deposits in at least 5 policies or $10,000,000 in assets.

Step Up Your Wealth Sales with Equitable! Welcome to the Step Up Your Wealth Sales program with Equitable^®.

The program rewards advisors who promote Equitable’s Savings & Retirement products to existing and new clients as part of an overall investment strategy based on client needs.

Commission Bonus Calculation:
Gross deposits into segregated funds
+ Gross deposits into Guaranteed Interest Account contracts
+ 25% of payout annuity sales
- Segregated fund redemptions
- GIA redemptions
= 2024 Net Deposits

All deposits, sales, and redemptions occurring between January 1 and December 31, 2024, will be used to calculate an advisor’s 2024 net deposits.

Tier	2024 Net Deposits	Bonus Rate*
1	Less than $250,000	$0
2	$250,000 - 499,999	.25%
3	$500,000 – 749,999	.50%
4	$750,000+	.75%
5	Elite Advisor re-qualifiers¹	1.00%

* The bonus amount will be calculated at the end of 2024 based on net deposits. The bonus will be paid within 90 days following December 31, 2024. Maximum bonus payable is $100,000 for Elite Advisor re-qualifiers; $75,000 otherwise.

For more information, download our flyer or contact your Regional Investment Sales Manager.

Equitable is committed to offering advisors and clients product, service, and feature choices that best suit their needs. We offer multiple sales charge options, three distinct guarantee classes, and a diverse selection of investment funds to align with clients’ unique needs.

Posted: February 7, 2024

™or ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
¹Elite Advisor re-qualifiers are advisors who attained Elite status as of end of 2023 and maintain Elite status at the end of 2024. To attain 2024 Elite Advisor status, an advisor must have $1,250,000 in gross deposits in at least 5 policies or $10,000,000 in assets.

About
Understanding debt: A key to building wealth Why debt matters in wealth conversations
Debt is part of life for many Canadians. But not all debt is the same. As an advisor, you can help clients understand their debt and how to manage it. This is key to building wealth and confidence. Financial Literacy Month is a great time to “Talk Money.”

Types of debt¹
- Secured: This is backed by something the client owns, like a house or car. Its cost of borrowing or interest rate is usually lower.
- Unsecured: This includes credit cards and personal loans. These debts have no asset behind it and often cost more.
- Revolving: These are like credit cards. The balance owing can carry over to the next month.
- Installment: These are like car loans. Clients pay a set amount each month.
Helping clients manage debt
- Pay off high-interest debt first: Credit cards are often a good place to start.
- Consolidate: One lower-interest loan payment can replace many.
- Make a budget: Include debt payments and savings.
- Use insurance-based investments: Segregated funds and Daily/Guaranteed Interest Accounts offer protection and guarantees. These can help clients manage risk while growing wealth.
Why reducing debt matters
Less debt can mean more financial freedom. Clients can save more, stress less, and plan better for retirement. It also helps them leave a financial legacy.

Your role as an advisor
You do more than sell products. You guide clients to make smart choices. Use this article to start a simple, clear conversation about debt—and how Equitable Individual Wealth solutions might fit into their overall financial picture.

Talk to your Director, Investment Sales today for more strategies to help clients with debt.

¹ Source : ARC, 2025-03-28