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1. [pdf] Equitable GIF Registered Application
2. Navigating the current market
3. Canada Post Labour Strike: What you need to know

   No postal service? No worries. Equitable^® has electronic options that make doing business with us easy and seamless and will help to prevent delays in the event of a postal strike.

   
   Online tools for advisors through EquiNet^® (Login to EquiNet to access):
   
   ● Use EZcomplete^®to submit your individual wealth, individual life and critical illness insurance applications electronically.
   ● Use Policy/New Business Inquiry and EZtransact™ to keep your business running. You will continue to receive your online correspondence so that you can keep clients up to date with lapses or premiums due.
   ● Use  EZ Upload to submit scanned applications though a secure online connection. Easily upload applications and related documents, all at the click of a button. EZ Upload saves you time and courier costs and can be used for your life insurance, critical illness and savings and retirement business.
   
   Online tools for clients:
   
   ● Equitable Client Access^® By setting up an account, clients can access their investment and insurance policy information, statements, letters, and payment details, whenever it’s convenient for them. Encourage them to sign up now!
   ● Online banking: Clients can make deposits to their Equitable savings policies, or make annual premium payments to their insurance policies through online banking. It’s fast and easy … and there’s no need for you to pick-up or deliver a cheque.
   ● Direct deposit withdrawals: Requests for cash withdrawals can be sent directly to clients’ bank accounts provided we have their banking information on file.
   ● Courier service: Contracts will continue to be sent via courier. Policy Disbursement cheques, cancellation letters, decline letters or cheques and other urgent correspondence will be couriered to the servicing MGA office for delivery/pickup. All other non-urgent correspondence will be held at Head Office.
   
   Equitable works for you to make it business as usual!
   
   Date posted: September 26, 2025 
4. 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!   
   
   60 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. 
   
   
   
   
   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.
   
   
   
   Built-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

5. Term vs permanent life insurance: helping clients choose the best solution for them Most people understand why life insurance matters. What they’re often unsure about is which type of coverage is right for them. As an advisor, you’re in a unique position to do more than present options, you can help clients feel confident they’re making an informed choice. 
   
   Start with the client, not the product
   Before discussing insurance solutions, you can start by asking three important questions:
   1. What do you need to protect today?
   2. What are you trying to achieve for the future?
   3. What is your budget?
   By asking these questions you will get a better understanding of which solution fits the client’s needs.
   
   Matching the solution to the client
   Term life insurance may be ideal for clients who have budget considerations and need coverage for: 
   • Helping to replace income
   • Helping cover a mortgage or other debts
   • Business protection
   • A specific period of time (10 – 30 years)
   If a client wants lifetime coverage but can’t afford it right now, term insurance is a good option.  It gives them affordable coverage today that they can later choose to convert to permanent insurance when their income increases.¹
   
   Permanent life insurance (whole life and universal life) is an option for clients looking for lifelong coverage and added long-term value. It’s a good option for clients who want to:
   • Build an inheritance
   • Preserve their estate
   • Build tax advantaged cash value growth
   
   Permanent life insurance is also an excellent way for parents or grandparents to help give children or grandchildren some lasting financial security. It secures lifetime protection at a lower cost when the child is young and healthy. It also offers the potential for cash value growth that they can access if needed.   
   
   Helping clients make confident choices
   By focusing on what the client needs now—and what they might need later—you can help them pick life insurance that fits their changing life and financial goals. Share this client‑friendly piece that outlines some of the things that clients should consider to make an informed decision: 
   Which life insurance solution is right for you?
   
   Reminder: Clients’ needs can change; it’s a good idea to review their coverage regularly.
   
   For any questions, contact your Equitable wholesaler.
   
   
   ¹See contract for details on conversion limitations and eligibility.
6. [pdf] Segregated Fund Annual Report - December 31, 2025
7. PAR whole life Highlights
8. Tax Slips – What you need to know
   It is tax time, and clients should be receiving tax slips and deposit receipts by now. Check out the Tax Slips: A Quick Reference Guide for a taxation breakdown by product and Insights into Non-Registered Taxation for a detailed explanation on investment income, and why T3 tax slips are generated on non-registered segregated funds.
   
   Clients who registered for tax slips on Equitable Client Access before December 31, 2022, can download or print tax slips quickly and easily from their Equitable^® Client Access Inbox.  Advisors can download tax receipts on Document Lookup on EquiNet^®.
    
   For questions about contribution limits, Retirement Income Fund minimums and Canada pension maximums check out Equitable Life®’s helpful 2023 Facts & Figures guide.
    
   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.
   
    _{® denotes a trademark of The Equitable Life Insurance Company of Canada.
   ^{Posted: February 15, 2023}}
9. Equitable explains individual life and critical illness insurance with client-focused videos! In today’s busy world, clients need guidance to help them pick the right solutions for their needs. They need quick, easy-to-understand information. With so many options out there, it can get overwhelming to make the right choice.
   
   The same goes for individual life and critical illness insurance. Which type of insurance is right for the client? Advisors can help provide that support and guidance. But perhaps, to get that conversation started, you just need to give clients a little nudge.
   
   We get it. That’s why Equitable has produced a series of client-focused videos to help advisors start those conversations.
   
   Check out our explainer videos below and share them with clients today!
   
   ●  Equimax^® participating whole life for children
   ●  Dividends
   ●  EquiLiving^® critical illness insurance
   ●  Term life insurance
   ●  Equitable Generations^™ universal life insurance
   
   
   
   Want to learn more?
   Contact your Equitable Wholesaler – we’re here to help!
   
    
   ^® or ^™ denote trademarks of The Equitable Life Insurance Company of Canada.
    
10. Updates