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1. [pdf] Pivotal Select Fund Facts
2. [pdf] Segregated Fund Semi-annual Report - June 30, 2025
3. NEW MARKETING MATERIAL! Equimax Participating Whole Life, Strong and Stable Dividends Participating whole life policyholders can get some of the participating account earnings back as dividends.^₁
   
   Dividend scales change over time. This new marketing piece shows how the actual values of policies look like against those that were estimated. It looks at two sample policies and compares them to the original sales illustrations. One example shows an Equimax Estate Builder^® policy. The other example shows an Equimax® Wealth Accumulator^® policy.
   
   We are proud of our strong and stable dividend results. We have paid dividends to our participating policyholders every year since 1936. And we’re still going strong!
   
   We want to make sure that we can continue to provide long-term income and growth to support the dividend scale and meet the product guarantees. We do this with constant focus on how we invest and manage risk to support the participating account.
   
   As a mutual life insurance company, we are owned by our policyholders who count on us and our services. Their trust in our knowledge, experience, and financial strength helps us keep our commitments to them—now and in the future.
   
   Dividend scales may change.² But with a balanced approach, Equitable Life’s Equimax® Participating Whole Life continues to deliver excellent value. It gives guaranteed life insurance protection with the potential for earnings.
   
   Want to learn more? Check out our new marketing piece: Equimax Participating Whole Life, Strong and Stable Dividends (2075).
   
   For more information, reach out to your local wholesaler.
    
    
   
   ^® and ^TM denote trademarks of The Equitable Life Insurance Company of Canada.
   ¹ Dividends are not guaranteed and are paid at the sole discretion of the Board of Directors. Dividends may be subject to taxation. Dividends will vary based on the actual investment returns in the participating account as well as mortality, expenses, lapse, claims experience, taxes, and other experience of the participating block of policies.
   ² If low interest rates continue, investment returns will be lower, and this may mean decreases in the dividend scale in the future. Dividend payments are not guaranteed, but they will never be negative.
4. From piggy banks to property, the journey of helping clients save for a first home With the smell of spring in the air and for sale signs popping up on front lawns, no doubt clients are starting to ask, is it time to save for a house? Of course, a million other questions generally arise like, can I afford a house? How do I save? What do I do?
   
   If you’ve got clients asking for direction, join your host Joseph Trozzo, Vice President, Investment Sales, at Equitable^® along with Equitable’s own, Chris Petroff CPA CMA, Product Manager, Savings and Retirement to learn how Equitable can help you set clients up for success, when it comes to purchasing their first home.  
   
   Why Attend?
   This informative session will cover all the ins and outs of first-time home ownership, 
   
   •   from potential sources of funds to tax implications, 
   •   withdrawal rules, and 
   •   so much more. 
   
   You’ll get a deep dive into the various account types available through Equitable with segregated funds and DIA/GIA, and a comparison of each account type. We’ll also touch on mortgages, investment time horizon and other considerations, including specific case studies to help equip you with all the knowledge necessary to help clients purchase a first home. 

   Learn more

   
   Continuing Education Credits
   This webcast has been accredited for 1.00 Life continuing education (CE) credit for all provinces excluding Quebec via the Insurance Council of Manitoba and Alberta Insurance Council.  To be eligible for CE credits, you must register individually, watch the webcast in full and complete a short quiz. It is the advisor's responsibility to ensure Continuing Education credits being offered are accepted by their licensing body. Alberta Insurance Council (AIC) credits are valid in Yukon, British Columbia, Alberta, Saskatchewan, Ontario, New Brunswick, Prince Edward Island and Nova Scotia. Insurance Council of Manitoba (ICM) credits are valid in Manitoba only.
   
   This webcast is available in English only.
   
   Date posted: May 8, 2025
5. Elevate your business with industry best practices and needs-based selling Keeping your business aligned with industry best practices is vital for your success. It not only supports the fair treatment of clients – it also helps you meet certain market conduct requirements and Equitable’s expectations for needs-based selling.
   
   The Financial Services Regulatory Authority of Ontario (FSRA) has a program that checks how well advisors follow the Insurance Act and its conduct rules. FSRA looks at how well advisors follow industry best practices and fair treatment of clients guidance (see CLHIA’s guidance document, “The Approach”). Their focus is on key areas such as giving sound advice, managing conflicts of interest, and putting clients’ needs first. FSRA selects advisors’ client files and looks for documentation that indicates needs-based selling. 
   
   In December 2024, FSRA released its latest Market Conduct Supervision Report. It highlights the need for advisors to follow certain rules and industry best practices. The report found five key areas where improvement is needed:
   
   1. Missing notes from client meetings and calls
   2. Inadequate advisor disclosure
   3. Missing sales illustrations for different product options
   4. Missing insurance needs analysis
   5. Missing policy delivery receipts
   
   
   By following industry best practices and keeping thorough records, you show your commitment to providing clients with the solutions they need. For example, taking notes during client meetings helps you track all discussions that support your recommendations. Having an insurance needs analysis shows you are providing clients with suitable advice to buy the solutions that best meet their needs.
   
   Resources: Equitable^® has resources that can help improve your business practices and help you treat clients fairly. We encourage you to check these out:
   
   1. PPT: “Ensuring a Compliant, Needs-based Insurance Sale”. The steps to follow in needs-based selling and the records to keep.
   
   Get CE credits! We offer the above as a self-study course that qualifies for 1 Continuing Education (CE) credit. Access it here: https://equitable-life-education.teachable.com/. (Use your contracted email to log in).
   
   2. Client File Reference: The records to keep when selling investments, life insurance, or critical illness insurance, including key documents insurers and regulators look for during compliance audits.
   
   3. Investor Profile Questionnaires: These will help you document your sales recommendations for:
   ● Universal Life (UL) sales: 1190.pdf, and
   ● Pivotal Select (Segregated Fund) sales: 1165.pdf
   
   Questions? Contact your Equitable wholesaler. They are ready to support your success!
6. [pdf] Equitable GIF Fees and Fund Codes
7. Join us for an Equitable Life Master Class webcast featuring Dr. Ryan Murphy, Morningstar

   You’re invited to our next Equitable^® Master Class webcast offering compelling topics and unique ideas from leading experts to help you manage and grow your business.
   
   Just asking clients what their goals are may not be enough. Clients may respond in ways that seem reasonable but might not represent the goals that are truly important to them.
   
   In the Behavioural world, this is known as ‘thinking blind spots’ and stems from behavioural biases we all have. The blind spots can prevent clients from expressing their true goals to you and lead to a plan that doesn’t accurately represent their preferences and motivations. 
   
   Join us for an informative discussion led by Dr. Ryan Murphy, head of Morningstar’s global Behavioural insights in how you can get clients past their thinking blind spots.
    

   Learn more

   Continuing Education Credits
   This webinar has been submitted for continuing education (CE) approval with the Insurance Council of Manitoba and Alberta Insurance Council for all provinces excluding Quebec. Upon approval, you will be sent an email notification to come back to the webinar presentation console to download your personalized certificate from the tool bar. To be eligible for CE credits, you must register individually, watch the webcast in full and complete a short quiz. This webcast is available in English only.
   
   ® or ™ denotes a registered trademark of The Equitable Life Insurance Company of Canada. 
   
   Posted February 1, 2024
8. Equitable Now Accepts eSignatures on all documents (Ind. Ins. & S&R)

   View the Guide to completing eSignatures

   
   What are the benefits?
   ● It’s secure because you no longer need to upload or email documents to us.
   ● It also removes a step in the process for you -  we will get the eSigned documents directly once all signatures are completed and therefore you no longer need to notify us once the documents are signed.
   ● Your documents will be processed quickly and efficiently.
   
   How does this work?
   ● Including esign@equitable.ca as a non-signing reviewer is the preferred method as it ensures the security embedded documents are accurately and immediately available for Equitable. We will be automatically notified when signing is complete and will download eSigned forms immediately for processing.
   ● If not using esign@equitable.ca we require the original signed form and audit trail with all the security features intact.
   ● The email addresses used to sign must match what is in our file (as provided on the application, for electronic policy delivery or through previous communication). If an email address has changed, or we don’t have an email contact for the signer, we will follow up for confirmation.
   ● We will accept all eSigning Vendors that have the functionality to place the eSignature in the correct signature fields on all applicable documents. If the eSigning vendor does not have the functionality to do this, we cannot accept it. 
   
   
    
   _{^® denotes a registered trademark of The Equitable Life Insurance Company of Canada.}
9. Show term and critical illness illustrations with ratings

   
   Rating options are now available in term and critical illness web illustrations. When you add a rating, the premium changes so clients can see the difference. This makes it easier to compare options and set expectations early.
   
   What’s new
   You can apply ratings to your term and critical illness web illustrations. When you choose a rating, the illustration and report update right away with the new premium.
   
   Benefits
      • Clear side‑by‑side comparisons
      • Illustrated options better fit client’s needs
      • Talk about options with more confidence
   
   How to use the rating feature
     1. In the web illustration, go to Personal Information.
     2. Select the Ratings checkbox.
        • This option also appears when adding a term rider or critical illness rider.
   
     3. Choose the rating type you want to illustrate:
        • Permanent amount (term)
        • Permanent percentage (term and critical illness)
        • Temporary amount (term)
   Once applied, the premium updates automatically and appears in the illustration report.
   
   Important to know
      • Illustrated ratings are for comparison purposes only.
      • When you submit an application, the system removes the illustrated rating.
      • The final rating is determined through underwriting.
   
   Improving your experience with more digital enhancements
   We’re always working to improve the web illustration experience based on your valued feedback.
   Here are some improvements you've asked for:
      • A confirmation box appears showing the rider selected is included in the illustration report.
      • When you’re signed into EquiNet your name and advisor code are included at the bottom of the illustration report.
   New design updates to the illustration reports now make it easier for you and clients to review. Use these clear and refreshed illustrations to help clients get the protection that best meets their needs.
   
   Questions
   Contact your Equitable wholesaler. For specific case support be sure to include:
      • the client name (if applicable);
      • the product (term or CI);
      • screenshot of the illustration settings.

10. Coming March 23, 2020 – Equimax enhancements include 60 months of flexibility to make extra deposits

    The following features will be available on Equimax Estate Builder® and Equimax Wealth Accumulator® plans!   
    
    60 months of Excelerator Deposit Option (EDO) flexibility

    • Up to 60 months to make initial EDO payment or resume stopped or reduced payments. No additional underwriting required. 
    • 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.
    • Available on all policies with an effective date of March 23, 2020 or later.
    
    
    
    EDO available on case ratings of 300% or less
    • If a policy already in effect has a rating over 200% and up to and including 300%, the owner can apply to add EDO provided the policy was issued under the 2017 tax rules.
    • Additional underwriting and submission of satisfactory evidence may be required.
    
    
    
    Disability Benefit Disbursement at no extra cost
    • If a life insured becomes disabled from a severe mental or physical impairment as defined in the policy contract, the owner may apply for a tax-free,* lump sum payment of up to 100% of the policy’s cash value.
    • Exclusions apply. See sample policy contract for full details, including the qualifications for the disbursement.
    • Available on all policy issued under the 2017 tax rules.

    
    
    * 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.

    Processing your Application
    To make the transition as smooth as possible, please take a moment to review the following transition rules.