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1. Step Up Your Wealth Qualification Requirements
2. New Year, New Opportunities—Explore Equitable’s Competitive Term Life Solution The new year brings new opportunities to help clients feel confident about their financial future. Equitable’s term rates are among the best on LifeGuide in key markets*, combined with our flexibility and support, making us a great choice for clients. Run an illustration now!

   Why choose Equitable for term life insurance?

   • Great rates – we’ve recently repriced! On average, we reduced our monthly term rates by 5%. Check out our great term rates for yourself.  Tip! For best term rates, choose monthly premiums.
   • Flexibility to change the term plan** – life is always changing, and so do life insurance needs. Offer clients the flexibility to:
        • Exchange term plans: from Term 10 to Term 20 or Term 30/65. They can also exchange from Term 20 to Term 30/65.
        • Convert to permanent coverage: Offer clients the security of changing their term plan to any of our permanent plans without underwriting.
   • Partial term conversion with term rider carryover: Convert part of the term coverage into permanent protection and carry over the remaining coverage as any term rider plan.
   • Extra support when it matters most – our KIND^® program offers a suite of benefits for clients and their families. This reflects our deep commitment to standing by them when it matters most. 
   
   
   
   
   Build client relationships with trusted protection
   This year, and every year, strengthen your client relationships by choosing Equitable for term life protection. With our flexible solutions, innovative features, and unwavering support, you can help clients move forward with confidence.
   
   Start the year off by helping clients meet their insurance needs with a term plan.
   
   Run a quote today!
   
   Contact your Equitable wholesaler today to learn more!
   
    *Effective November 22, 2025. Our monthly term rates are ranked among the best on LifeGuide when compared against top carriers in key markets. 
   ** Administrative rules and age limits apply to exchanges and conversions. Please see the policy for details. The policy governs in all cases.
    
3. What’s your saving style? 

   A TFSA for its flexibility or an RRSP for tax-deferred growth.   
   
   Did you know? More than 65% of people who put money into a TFSA* earn less than $80,000 a year. That’s why TFSAs are popular with middle-income Canadians. They’re simple and flexible: you don’t get a tax break when you put money in, but you don’t pay tax when you take money out. This makes them great for people who don’t get big benefits from tax deductions.  
   
   On the other hand, 54% of RRSP contributors earn more than $80,000 per year*. RRSPs often work better for higher-income earners because contributions lower taxable income. That means bigger tax savings for people in higher tax brackets.  
   
   Here’s the good news: From January 1 to March 2, 2026, when clients open or add money to an Equitable TFSA or RRSP, they’ll be entered into Equitable’s Snowball Your Savings contest. Two winners will be chosen—and their advisors will celebrate too!  
   
   
   How to Enter  
   
   Advisors can help clients submit contributions through EZcomplete^® or process transactions using EZtransact^®. Every entry is a chance to win!  
   
   Want ideas to boost contributions and help Canadians save more? Connect with your Director, Investment Sales today.  

   
   * Source: advisor.ca/news/tfsas-more-popular-than-rrsps-in-2023/  
   ® and ™ denote trademarks of The Equitable Life Insurance Company of Canada.   
   Equitable’s Snowball Your Savings contest: No purchase necessary. Contest period January 1, 2026 to March 2, 2026.  Enter by making a deposit to an Equitable Tax-Free Savings Account or Registered Retirement Savings Plan during the contest period or by submitting a no-purchase entry. Two prizes of $5,000 CAD to be drawn on March 23, 2026 will be awarded. The servicing advisor for the contract to which the selected entrants made the deposit is also an eligible winner and will receive a $1,000 CAD prize. For example, if an Equitable client is a winner of the $5,000 prize, the client’s servicing advisor for the relevant contract wins 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.  
4. EZtransact Training and Resources
5. [pdf] Custom Quote - DIA/GIA
6. Policy Change eDelivery
7. A New Universal Life Solution for the 21st Century – Coming Soon

   Introducing a new Universal Life solution built for the 21st century: Equitable Generations™ universal life insurance will be available for sale September 26, 2022.

    

   Check out our Equitable Generations universal life splash page: www.equitable.ca/ul

   
   Our new Equitable Generations
   Equitable Generations is a Universal Life product that offers investment options that resonate with today’s 21^st century client while reducing every fee possible. It also reduces the cost of insurance to help clients maximize their opportunity to purchase coverage and build tax-advantaged wealth.
   
   Features of Equitable Generations:
   • 34 fund options, including 18 new investment options, tracking funds managed by Fidelity™, Dynamic™, Invesco™ and more.
   • 3 sustainable investment “ESG” (Environmental, Social & Governance) options – because today’s buyer cares as much about impact as they do about returns.
   • Target date funds that auto-rebalance over time so that as a client approaches retirement, the fund adjusts its risk automatically.
   • A lower cost insurance with no policy fee, with the opportunity to purchase insurance protection, more opportunity to build wealth, or both.

   
   Supporting you at claim time with KIND™

   This service will include the following components:
   ● Living Benefit
   ● Bereavement Counselling benefit
   ● Snap Advance*
   ● Compassionate Advance*

   ^* Snap Advance and Compassionate Advance are non-contractual and may be altered or terminated by Equitable Life at any time without notice.
   
   New illustration software available
   The updated illustration software will be available for download after 9 a.m. ET on Tuesday, September 6, and will include the new Equitable Generations product. See the Equitable Sales Illustrations Update for information on how to download the software or check for updates.  
   
   Learn more
   Transition rules are available

    

   Check out our Equitable Generations universal life splash page: www.equitable.ca/ul

   Watch for more information and get ready to sell Equitable Generations universal life as it becomes available on September 26.
   
   Please contact your Regional Sales Manager for more information. 

   Invesco® and all associated trademarks are trademarks of Invesco Holding Company Limited, used under licence. Invesco is a registered business name of Invesco Canada Ltd.
   Dynamic Funds is a registered trademark of its owner, used under license, and a division of 1832 Asset Management L.P.
   Fidelity is a registered trademark of 483A Bay Street Holdings LP. Used with permission.
   Equitable Life, Equitable Life of Canada, KIND and Equitable Generations are registered trademarks of The Equitable Life Insurance Company of Canada.

8. IMPORTANT NOTICE: FUNDS WITH DEFERRED SALES CHARGE OPTIONS

   The Canadian Council of Insurance Regulators require all insurance companies to discontinue the sale of segregated funds with Deferred Sales Charge (DSC) effective June 1, 2023*.  

   PIVOTAL SELECT™ SEGREGATED FUND PRODUCTS 

   On May 29, 2023, funds with a DSC or Low Load (LL) sales charge option will 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 will retain the existing DSC schedule, outlined in the 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 and/or pre-authorized scheduled deposits the client previously provided include funds with DSC or LL, these instructions will automatically update to NL of the same fund for all future deposits. 

   In alignment with Equitable's current administrative rules, if the client has DSC or LL funds, the client will not be able to deposit No Load Chargeback funds (NL-CB and NL-CB5) within the same policy. 
   
   For more information, please click here.

   LEGACY SEGREGATED FUND PRODUCTS 

   Ongoing deposits to DSC funds continue 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 

   Clients may continue to make new deposits to the DSC funds within the policy. Any new segregated fund deposits, as well as any existing segregated fund amounts within the policy, will retain the DSC schedule outlined in the contract. 
   
   For more information, please click here.
   
   Equitable's Advisor Services Team is available Monday to Friday, 8:30 a.m. – 7:30 p.m. ET at 1.866.884.7427 or by email at savingsretirement@equitable.ca. You can also contact your Regional Investment Sales Manager. 
    

   *Draft regulation in Quebec is currently under review which may affect Equitable Life’s approach for clients in the Province of Quebec with legacy segregated fund products. We will continue to monitor provincial regulatory developments. 

   ™ or ® denote registered trademarks of The Equitable Life Insurance Company of Canada. 

   Date posted: May 4, 2023
    

9. Advisor Compensation after the DSC/LL ban May 29, 2023 As of May 29, 2023, Pivotal Select segregated fund contracts will not allow new deposits to the Deferred Sales Charge (DSC) and Low Load (LL) sales charge options. This is in response to the ban on deferred sales charges by the Financial Services Regulatory Authority (FSRA). The following sales charge options will continue to be available:
   • No Load (NL)
   • No Load – 3 year chargeback (NL-CB)
   • No Load – 5 year chargeback (NL-CB5)
    
   Advisors may be wondering how compensation compares under various sales charge options.
    
   Here is an example of advisor compensation for a $100,000 segregated fund contract in the Equitable Life Active Balanced Portfolio Select.* 

   Year	No Load	DSC	Low Load	No Load CB	No Load CB5
   1	$1,008	$5,544	$3,024	$3,500	$5,600
   2	$1,008	$504	$504	$504	$504
   3	$1,008	$504	$504	$504	$504
   4	$1,008	$504	$1,008	$504	$504
   5	$1,008	$504	$1,008	$1,008	$504
   6	$1,008	$504	$1,008	$1,008	$504
   7	$1,008	$504	$1,008	$1,008	$504
   8	$1,008	$504	$1,008	$1,008	$504
   Contract Value	Total Compensation Paid
   $100,000	$8,064	$9,072	$9,072	$9,044	$9,128

   *For illustration purposes, this assumes a 0% return over the period shown.
    
    
   Over an 8-year period, total advisor compensation with the CB5 sales charge option is $9,128 versus $9,072 and $8,064 with DSC and NL respectively.
    
   Below is the chargeback schedule for NL-CB and NL-CB5: 
    

   Month (age of units)	Commission Chargeback Schedule NL-CB	Commission Chargeback Schedule NL-CB5
   1 - 12	100%	100%
   13 - 24	97.2% - 66.4%	98.3% - 82.0%
   25 – 36	63.6% - 32.8%	80.5% - 64.0%
   37 – 48	0%	62.5% - 46.0%
   49 – 60	0%	44.5% - 28%
   61+	0%	0%

    
   For more information, please contact your Regional Investment Sales Manager.
    
   ™ or ® denote registered trademarks of The Equitable Life Insurance Company of Canada.
    
   Date posted: June 15, 2023 
    
10. Sometimes plans change when you least expect After saving for several years, clients might choose not to buy a home, and that's okay. One of the advantages of a First Home Savings Account (FHSA) is the flexibility to transfer funds to any registered account that accepts contributions. Transfers to Registered Retirement Savings Plans, Registered Retirement Income Funds, or other FHSAs are tax-free and do not impact contribution limits. However, be aware transfers to other accounts are considered withdrawals and are considered taxable income and subject to withholding tax.
    
    Do you know clients dreaming of homeownership? We are here to assist! Clients who contribute to an Equitable FHSA between May 1 and September 30, 2025 will be entered into our Close to Home contest, for a chance to win one of two $8,000 prizes. Whether opening a new Equitable FHSA or making an annual contribution, this is a fantastic opportunity to help clients get closer to owning a home.
    
    Advisors, your efforts matter too! You have a chance to win a $1,000 prize if the client you are assisting, in alignment with their unique homeownership needs, is selected as a winner. At Equitable, we believe that when we grow together, success is mutual. 
    
    Don’t forget about Equitable’s user-friendly online application platform, EZcomplete^®, or process an online transaction with ease using Equitable’s EZtransact^®. These tools are fast, simple, and could bring clients closer to achieving their goals. 
    
    Want to learn more? Speak to your Director, Investment Sales.
    
    Equitable’s Close to Home Contest: No purchase necessary. Contest period May 1, 2025 to September 30, 2025.  Clients enter by making a deposit to an Equitable FHSA during the contest period or by submitting a no-purchase entry. Two prizes of $8,000 CAD each to be drawn on October 15, 2025 will be awarded. The servicing advisor for the policy to which the selected entrant made the deposit is also an eligible winner and will receive a $1,000 CAD prize. For example, if an Equitable client is a winner of the $8,000 prize, the client’s servicing advisor wins 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. 
    
    Date posted: August 7, 2025