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  1. 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. 

     

    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.

  2. [pdf] Ownership Change Form
  3. [pdf] Equitable GIF Fund Facts
  4. [pdf] TFSA Third Party Contribution
  5. Path to Success Module 2
  6. Most employers staying the course on benefits during COVID-19

    With businesses suffering hardship due to COVID-19, employers are turning to you for advice on their benefits plans during these difficult times. We’ve received numerous questions from advisors about changes our clients are making to their plans during this crisis.

    So far, the vast majority of clients are standing pat and taking a wait-and-see approach. Plan amendments have been the exception – fewer than 1% of our clients have made COVID-19-related amendments as of mid-April. Almost all are clients with fewer than 50 lives.

    We know that many of our clients have experienced layoffs, but hardly any have cancelled benefits. Fewer than 0.1% have terminated benefits to date.

    Below is a snapshot of plan amendments and terminations relative to our overall block, and an overview of the types of amendments we’re seeing.






    COVID-19-related plan changes on Equitable Life’s block of business

    As of April 15, 2020
    Plan-changes.pngNature-of-amendments.png

    Have clients who need to make a change?

    We know this is a difficult time for Canadian employers. If you have a client who needs to make a change to their plan, please contact your Group Account Executive or myFlex Sales Manager. We have a range of options to help them manage, and changes can be made quickly. The average turnaround time for COVID-19-related amendments is currently about four days.

    We’re happy to work with each employer to understand the options that suit their specific situation best.

  7. This year’s RSP contribution deadline is March 1, 2023


    The RSP deadline is fast approaching so whether you are using paper or EZtransact™ here are some important things to remember.

    Issuing New Policy with EZcomplete®

    • All online applications must be digitally signed and submitted and have a date stamp no later than March 1, 2023.


    Issuing New Policy using Paper Application

    • For contributions to qualify for the first 60 days, all paperwork must be completed and signed by March 1, 2023. Equitable Life must receive all paperwork by March 7, 2023.



    Deposits to Existing Policy

    • Advisors can setup a one-time or recurring deposit or edit an existing pre-authorized debit already in place using EZtransact. Online deposits must be made and have a date stamp by March 1, 2023, to qualify for a 2022 tax receipt. 

    • Clients can make online deposits to Equitable Life® through their financial institution’s online banking service. Online deposits must be made and have a date stamp by March 1, 2023, to qualify for a 2022 tax receipt. 

    • Clients can also make a new deposit to an existing policy by cheque. The cheque must be dated and signed by March 1, 2023. Equitable Life must receive the cheque no later than March 7, 2023.


    If online banking is being used to fund the policy – either topping up an existing policy or opening a new policy – the online banking transaction must be completed by March 1, 2023, to receive a 2022 tax receipt.


    Please note that cheques and other paperwork cannot be backdated.  They must be completed and signed by March 1, 2023, to qualify for a 2023 tax receipt.


    Don’t forget about the Equitable Life RSP Grow Your Future Contest. We hope you have a great RSP season! 

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

  8. Enhanced flexibility and features make Equimax whole life a great choice for your clients

    WHAT’S NEW ON MARCH 23, 2020?

     
    The following features are available on Equimax Estate Builder® and Equimax Wealth Accumulator® plans!   

    Image-1-EDO-Prelaunch-Whatsnew-(1).jpg60 months of EDO payment flexibility1 that fits your clients’ situation

    • Clients can start EDO payments1 up to 60 months from the date the application was signed, or resume up to 60 months from the last EDO payment made, without additional evidence of insurability.
    • Applies to Equimax2 policies with an effective date of March 23, 2020 or later. 



    Image-2-EDO-Prelaunch-Whatsnew.jpg
    EDO is available on cases rated 300% or less3 for new and existing clients
    • For existing clients, if approved, the EDO contract provisions that apply will be based on the effective date of the insurance policy, not the date the EDO was added.
    • Applies to Equimax2 policies issued under the 2017 tax rules.



    Image-3-EDO-Prelaunch-Whatsnew.jpgBuilt-in Disability Benefit Disbursement provides access to cash value in the event of a disability
    • The Disability Benefit Disbursement may provide a tax-free, lump sum payment of up to 100% of the policy’s cash value if the insured becomes disabled.4
    • Will be included on Equimax2 policies issued under the 2017 tax rules.5



     

    Want more information?

    More information is available on EquiNet® on the Whole Life Insurance Product page under the Resources tab. 

    Ask your Equitable Life® Regional Sales Manager about Equimax today.

    COVID-19 & social distancing: Strategy for insurance applications
     

    Using our EZcomplete® online application allows you to keep your distance … while keeping your business moving forward.
     
    Learn more

     


    1 This applies only to policies with an effective date of March 23, 2020 or later. The amount of the EDO payment allowed may be limited to the maximum EDO payment made in previous years depending on the policy year. For approved EDO amounts exceeding $150,000 annually ($12,500 monthly), clients have up to 12 months from the date the EDO application was signed or the date of the last EDO payment to make an EDO payment before a contribution cap may apply. See Admin Guide for full details.  2 Applies to Equimax Estate Builder and Wealth Accumulator; all ages; life pay and 20 pay; single and joint lives. 3 Not available if the policy has a flat extra rating. 4 See sample policy contract for full details, including the qualifications for the disbursement. Policy cash value and death benefit will decrease. Tax laws are subject to change. The payment of the disability benefit disbursement may affect the adjusted cost basis (ACB) of the policy as it is considered payment of a capital benefit. Changes in ACB can affect the future taxation of the policy.  5Subject to our administrative rules and guidelines in effect at the time of the disbursement

  9. [pdf] Pivotal Select Contract and Information Folder
  10. [pdf] Application for Agency Contract to Sell Insurance Products - MGA, AGA and National