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1. Is it time to revisit bonds?

   You see the interest rate predictions and talk of inflation in the news every day. What should clients do? Is it time to consider bonds?
    
   Join our webcast with Darcy Briggs, Senior Vice-President, Portfolio Manager, of the Franklin Canadian Core Plus Bond Fund, for insights on the impacts of interest rates and inflation movement on bond portfolios and how to navigate during this time of uncertainty.
    
   Darcy and the team skillfully combine Canadian core bonds with non-core fixed income opportunities to create a solution that is built around a foundation of high-quality Canadian bonds. They opportunistically add “off benchmark” securities for added yield and diversification.
    
   You don’t want to miss it.

    

   Learn more
    
    

    
   Continuing Education Credits
   This webcast 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.
   
   Date Posted: April 25, 2024
2. And the winners of Equitable’s Close to Home contest are…

   
   A big thank you for making  Equitable’s Close to Home contest a huge success. We’ve now completed the draws and are thrilled to announce the following winners:

   • Client: Edwin M., Ontario

   • Advisor: Amir S., Ontario

   • Client: Veronica C., Ontario

   • Advisor: Sabena D., Ontario

   Congratulations to our winners. From all of us at Equitable, thank you for your trust and partnership.

3. Individual Wealth
4. And the winners of Equitable’s Snowball Your Savings contest are… A big thank you for making  Equitable’s Snowball Your Savings contest a huge success. We’ve now completed the draws and are thrilled to announce the following winners:
    
   • Client: Aemie V., British Columbia
   • Advisor: Sitti M., British Columbia
   • Client: Reenu V., Ontario
   • Advisor: Amjath A., Ontario
   
   Congratulations to our winners. From all of us at Equitable, thank you for your trust and partnership.
    
5. Can an advisor transfer their contract under another MGA?
6. Smoker to Non Smoker
7. A good time to look at the Equitable Money Market Fund Whether clients are looking for a short-term cash savings solution or are interested in funding a dollar cost averaging strategy, the Equitable Money Market fund may be an ideal solution.
   
   With a current yield to maturity of 1.43%*, the fund provides maximum income through short-term investments consistent with preservation of capital and liquidity. 
   
   And advisors earn the full commission upon deposit on funds used for a dollar cost averaging strategy.
   
   For more information check out Equitable Money Market Fund or contact your Director, Investment Sales.
   
   * As of April 24, 2026, net of fees. Applicable to Pivotal Select and Equitable GIF contracts. Yield to Maturity: The market value weighted average yield to maturity includes the coupon payments and any capital gain or loss that the investor will realize by holding the bonds to maturity.
   
   ™ or ® denote registered trademarks of The Equitable Life Insurance Company of Canada.
   
   Date posted: April 29, 2026
    
8. 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
9. Colaiacovo to lead Equitable’s Eastern Group Sales Team We are pleased to announce that Sofia Colaiacovo has been appointed our new Group Sales Vice President, Eastern Canada. 
    
   In her role, Colaiacovo will lead the Eastern sales team. She will focus on working with distribution partners to grow our business together while continuing to provide clients and their plan members with a better benefits experience.
   
   Colaiacovo brings to her role 18 years of experience with Equitable Life, building strong distribution partnerships and delivering exceptional client service.
   
   She joined Equitable Life in 2005 and has held roles of increasing responsibility in our Group distribution organization.
    
   Since 2011, she has served as our Group Account Executive for the Ottawa territory. In that role, she quadrupled the size of our client base in the region and established strong and lasting relationships with key distribution partners. She was recognized as Equitable Life’s Group Account Executive of the Year three consecutive times – in 2019, 2020 and 2021.  
    
   “Sofia will further strengthen our Group Leadership Team and reinforce our ongoing commitment to building enduring distribution partnerships and delivering great service,” says Marc Avaria, Equitable Life’s Senior Vice-President, Group.
    
   “Sofia’s success has come from taking the time to understand the needs of her partner advisors and their clients,” he adds. “By asking the right questions and listening, she has been able to provide valuable and practical solutions to meet their needs.”
    
   Colaiacovo graduated from Carleton University with a Degree in Psychology. She holds the Group Benefits Associate (GBA) designation through the International Foundation of Employee Benefits Plans.
10. [pdf] Transfer Authorization