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How first-time homebuyers are sourcing their down payments
Did you know that the primary sources for down payments among first-time homebuyers* are:
- Savings outside of a RRSP (59%)
- Gifts (38%)
- Savings within a RRSP (31%)
While 71% of potential first-time homebuyers in Canada are aware of the First Home Savings Account (FHSA), only 33% of them are taking advantage*.
Equitable wants to help first-time homebuyers take advantage of all the benefits a FHSA has to offer. 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, EZcomplete®, or online transaction platform, 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.
*Source: 2024 CMHC Mortgage Consumer Survey
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 14, 2025 -
Last chance to be entered to win – Snowball Your Savings contest ends March 2
There’s still time to turn client contributions into a win for both of you. Until March 2, 2026, when clients set up or contribute to their Equitable® Registered Retirement Savings Plan or Tax-Free Savings Account, they’ll be automatically entered into Equitable’s Snowball Your Savings contest. And here’s the exciting part: two winners will be randomly drawn—and their advisors will share in the celebration!
Key Dates
Contribution Period: January 1 – March 2, 2026
Draw Date: March 23, 2026
How to Enter
Advisors can easily submit client contributions through Equitable’s EZcomplete® or process transactions using EZtransact®. Every eligible entry is a chance to win!
Why Equitable?
We can help Canadians grow their savings with confidence. With a diverse range of investment funds and three distinct guarantee classes, Equitable offers flexible, goal-based solutions designed to support your clients’ financial journey.
Make the Most of It
Connect with your Director, Investment Sales to explore strategies for driving contributions, boosting engagement and supporting Canadians this season.
® 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. -
Universal life (UL) enhanced – more options to reach more clients
Great News!
Explore the latest enhancements to Equitable Generations™ UL insurance, offering clients greater flexibility to meet their needs.
What’s new for Equitable Generations UL:
• Level cost of insurance (COI) option.* Available for new sales to offer even more choice for clients. Here is how these rates compare to Equation Generation IV Level COI:
• Non-smoker rates have decreased on average by 4% across all ages and bands (Smoker rates have increased on average by 1%).
• New rate bands. $1M and $5M for Level COI**, making our UL solution more attractive to a wide range of clients. * For Level COI, only Account Value Protector is offered as a death benefit option.
**The rate bands for Level COI are $25,000, $100,000, $250,000, $500,000, $1 million and $5 million. The rate bands for YRT remain $25,000, $50,000, $100,000, $250,000 and $500,000.
These enhancements offer a more competitive solution to grow your UL business. See for yourself – run a quote today!
Equation Generation® IV UL is retired. Equation Generation IV is no longer being offered for new sales effective March 21, 2026.
We now have the essential UL features in one powerful solution, Equitable Generations UL.
Video available French and Chinese.
Please refer to the Transition Rules for all the details on processing your applications.
Visit our splash page for full product details
More reasons to choose Equitable® for your UL business
• Wide range of investment choices through some of Canada’s most prominent fund managers (including sustainable investment options).
• We are the only UL carrier to offer target-date investment options.
• Guaranteed Investment Bonus. An annual rate of 0.75% is added to the policy’s account value starting in year 1.
• No policy administration fees. No Linked Interest Option (LIO) administration fees (except for LIOs that track indices).
• Caring claim support through our KINDTM program.
Need more information? Please contact your Equitable wholesaler.
03/23/26 - [pdf] Policy summary premium error
- [pdf] Borrowing Money to Make Money
- [pdf] Equitable’s Legacy Products: Pivotal Select
- Equitable Generations at a glance
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Equitable Life added the Mackenzie Global Strategic Income Fund to Pivotal Select
On June 7, 2021, Equitable Life® launched five additional funds to the Pivotal Select™ segregated funds lineup. Included in the launch is the Mackenzie Global Strategic Income Fund. Designed to deliver growth and income to investors, the underlying fund objective seeks income with the potential for long-term capital growth by investing primarily in fixed-income and/or income-oriented equity securities of issuers anywhere in the world.
At Equitable Life, we pride ourselves on offering quality products. This means always reviewing our investment fund lineup. This fund, along with the other new funds are available on all Pivotal Select load types and guarantee classes, providing you and your clients with even more choice and flexibility.
To learn more about Mackenzie Global Strategic Income Fund, join us on Tuesday, June 22 at 2:00 p.m. ET/11:00 a.m. PT to hear Eric Glover, AVP Investment Director and Hadiza Djataou, VP Investment Director, from Mackenzie Investments, highlight the balanced solution that this fund can bring to your client’s investment portfolio.
Click here to register!
Want to learn more about our new funds? Contact your Regional Investment Sales Manager today.
® and ™ denotes a registered trademark of The Equitable Life Insurance Company of Canada.
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Equitable Life Savings & Retirement Webinar Series features EZtransact
In 2021, Equitable Life’s S&R team will spotlight various aspects of our competitive fund line up and product offerings. Each webinar in the series will feature a new topic. The series will also give advisors an opportunity to:
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learn more about various products and product features,
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hear from industry professionals,
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learn about investment strategies; and so much more.
This month, Equitable Life is featuring EZtransact™, a new online tool that allows advisors to submit transactions and collect signatures electronically. With a growing need for digital solutions, Equitable Life’s new EZtransact eliminates the hassle of filling out forms, collecting signatures, submitting copies to your MGA, and being tied down to business hours for submitting transactions. This new online tool complements our existing and highly rated online application tool, EZcomplete.
Join your host, Joseph Trozzo, Investment Sales Vice President as he welcomes Nicole Lemon, Product Manager, Savings and Retirement, Equitable Life of Canada to discuss Equitable Life’s electronic capabilities and to experience a demo for EZtransact.
This webinar is not approved for continuing education credits. This webcast is available in English only.
Learn More
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Changes to Short Term Disability Benefit Calculations
The Canada Employment Insurance Commission and Canada Revenue Agency have announced the 2022 changes to Maximum Insurable Earnings, and premiums for employment insurance. These changes take effect January 1, 2022.
2021 Amount As of Jan. 1, 2022 Maximum Insurable Earnings (MIE)
$56,300 $60,300 Maximum Weekly Insurable Earnings (MWIE)
$1,083 $1,160 EI Benefit
(55% of the MWIE, rounded to the nearest dollar)$595 $638
How does this affect your clients?
If your client’s Group Policy with Equitable Life includes a Short Term Disability (STD) benefit which is tied to the EI Maximum Weekly Insurable Earnings, and at least one classification of employees has less than a $638 maximum, then to comply with the provisions of their policy, their STD benefit will be revised with the maximums updated based on the percentage of EI Maximum Weekly Insurable Earnings shown in their policy.
The additional premium for any increase from their previous STD amounts and new STD amounts will be show on their January 2021 Group Insurance Billing (as applicable).
If their STD maximum is currently higher than $638 or based on a flat amount (not based on a percentage or regular earnings), no change will be made to their plan unless otherwise directed.
If your clients wish to provide direction regarding revising their STD maximum, or have questions about the process, they can email Kari Gough, Manager, Group Quotes and Issue.