Equitable

Products & Services

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  Term Life Insurance

  Term Life Insurance is a temporary life insurance product offered by Equitable. It provides affordable life insurance protection for a specified period, making it suitable for individuals and families who want financial security during years when they have significant financial obligations such as mortgages, loans, or dependent children. Equitable offers a range of renewable and convertible term insurance options, including Term 10 and Term 20 coverage. Premiums are guaranteed during each selected term, and policyholders have the option to renew coverage or convert their policy to eligible permanent life insurance without providing additional medical evidence, subject to policy provisions and age requirements. Coverage amounts, eligibility, renewal premiums, conversion privileges, exclusions and all policy benefits are subject to the terms and conditions of the policy issued by Equitable.

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  Equimax Estate Builder

  Equimax Estate Builder is a participating whole life insurance product offered by Equitable. It provides lifelong life insurance protection while focusing on maximizing the policy's death benefit for estate preservation and wealth transfer. The product combines guaranteed insurance coverage, guaranteed cash values and the potential to earn participating policy dividends over the life of the policy. Equimax Estate Builder is designed for individuals who want to leave a larger financial legacy to their beneficiaries or support estate planning objectives. Eligible policies participate in Equitable's participating account and may receive annual policy dividends, which are not guaranteed and depend on the performance of the participating account. Policyholders can choose from several dividend options, including paid-up additions, premium reduction, interest accumulation or cash payment, subject to policy provisions. Coverage amounts, premiums, guaranteed values, dividends, riders, eligibility and all policy benefits are subject to the terms and conditions of the policy issued by Equitable.

• Equimax Wealth Accumulator

  Equimax Wealth Accumulator is a participating whole life insurance product offered by Equitable. It provides lifelong life insurance protection while focusing on maximizing the policy's cash value growth over the long term. The product combines guaranteed life insurance coverage, guaranteed cash values and the potential to receive participating policy dividends, making it suitable for individuals seeking both permanent protection and long-term wealth accumulation. Equimax Wealth Accumulator is designed for clients who want to build accessible policy value while maintaining permanent life insurance coverage. Eligible policies participate in Equitable's participating account and may receive annual policy dividends, which are not guaranteed and depend on the performance of the participating account. Policyholders can select from available dividend options, including paid-up additions, premium reduction, interest accumulation or cash payment, subject to policy provisions. Coverage amounts, premiums, guaranteed values, cash values, dividends, riders, eligibility and all policy benefits are subject to the terms and conditions of the policy issued by Equitable.

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  Equitable Generations universal life

  Equitable Generations™ Universal Life is a permanent universal life insurance product offered by Equitable. It provides lifelong life insurance protection while combining flexible premium payments with tax-advantaged investment opportunities inside the policy. The product is designed for individuals seeking permanent insurance coverage together with long-term wealth accumulation and estate planning flexibility. Equitable Generations™ Universal Life allows policyholders to customize their coverage by selecting from a range of cost of insurance options, investment accounts and optional riders to suit their financial objectives. Premiums in excess of the insurance cost may be allocated to available investment options, where policy values have the potential to grow on a tax-advantaged basis, subject to applicable tax legislation. Policyholders may also adjust their coverage, within policy limits, as their needs change over time. Coverage amounts, premiums, investment performance, policy values, fees, eligibility, riders and all policy benefits are subject to the terms and conditions of the policy issued by Equitable.

• EquiLiving® Critical Illness Insurance

  EquiLiving® Critical Illness Insurance is a critical illness insurance product offered by Equitable. It provides a tax-free lump-sum benefit if the insured person is diagnosed with a covered critical illness and satisfies the applicable policy conditions, including any required survival period. The benefit can be used at the policyholder's discretion to help manage medical expenses, replace lost income, support recovery or address other financial needs. EquiLiving® offers coverage for a broad range of covered critical illnesses and is available for children, adults and business owners, depending on the selected plan. The product includes flexible coverage amounts, optional riders and, for eligible policies, features such as Return of Premium options that may refund eligible premiums under specified circumstances. Coverage amounts, covered conditions, waiting periods, survival requirements, exclusions, optional benefits, eligibility and all policy provisions are subject to the terms and conditions of the policy issued by Equitable.

• Segregated Funds

  Segregated Funds are insurance-based investment products offered by Equitable. They are designed to provide the growth potential of professionally managed investments while offering insurance guarantees that can help protect a portion or all of the invested capital at maturity and upon death, depending on the selected contract class. Equitable offers segregated funds in Investment Class, Estate Class, and Protection Class, allowing investors to choose different levels of maturity and death benefit guarantees based on their financial objectives. The product also offers professionally managed investment options from leading investment managers, optional annual guarantee resets on eligible classes, potential estate planning advantages through beneficiary designation, and possible creditor protection where permitted by applicable laws. Investment performance is not guaranteed, and the value of investments may increase or decrease with market conditions. Maturity guarantees, death benefit guarantees, investment options, fees, eligibility, resets and all contract provisions are subject to the terms and conditions issued by Equitable.

• First Home Savings Account (FHSA)

  First Home Savings Account (FHSA) is a registered savings and investment account offered by Equitable. It is designed to help eligible first-time homebuyers save for the purchase of their first home while benefiting from valuable tax advantages. Contributions to an FHSA are generally tax-deductible, and qualifying withdrawals used to purchase a first home are tax-free. Equitable's FHSA allows eligible clients to invest through a range of available investment solutions, including segregated funds and guaranteed interest products, depending on the selected investment option. The account offers an annual contribution limit of $8,000 and a lifetime contribution limit of $40,000, subject to current federal legislation. Unused contribution room may be carried forward within applicable limits, and unused FHSA savings may generally be transferred to an RRSP or RRIF on a tax-deferred basis if the account is not used to purchase a qualifying home. Eligibility, contribution limits, investment options, transfers, withdrawals and all account provisions are subject to applicable tax legislation and the terms and conditions established by Equitable.

• Guaranteed Interest Accounts (GIAs)

  Guaranteed income solutions designed to help provide predictable retirement income and long-term financial stability.

• Guaranteed Interest Accounts (GIAs)

  Fixed-term investment options that provide guaranteed principal and a predetermined interest rate to help preserve capital.

• Tax-Free Savings Account (TFSA)

  Tax-Free Savings Account (TFSA) is a registered savings and investment account offered by Equitable. It is designed to help Canadians grow their savings through tax-free investment growth and tax-free withdrawals, making it a flexible solution for both short-term and long-term financial goals. Equitable offers a TFSA with access to a variety of eligible investment options, including segregated funds, guaranteed interest products and other investment solutions, depending on the selected account. Investment earnings, including interest, dividends and capital gains, are generally not subject to income tax while held in the account, and qualifying withdrawals are tax-free. Unused contribution room carries forward to future years, and amounts withdrawn are generally added back to contribution room in the following calendar year. Contribution limits, eligibility, available investment options, transfers, withdrawals and all account provisions are subject to applicable tax legislation and the terms and conditions established by Equitable.

• Registered Retirement Savings Plan (RRSP)

  Registered Retirement Savings Plan (RRSP) is a registered retirement savings and investment account offered by Equitable. It is designed to help Canadians save for retirement while benefiting from tax advantages. Eligible contributions are generally tax-deductible, and investments within the account can grow on a tax-deferred basis until funds are withdrawn. Equitable offers RRSPs with access to a range of eligible investment solutions, including segregated funds and guaranteed interest products, allowing investors to build retirement savings based on their financial objectives and risk tolerance. Contributions may be made up to the annual limits established under Canadian tax legislation, and eligible transfers from other registered plans are also available. Withdrawals are generally taxable unless made under qualifying government programs such as the Home Buyers' Plan (HBP) or Lifelong Learning Plan (LLP), where applicable. Contribution limits, investment options, transfers, withdrawals, eligibility and all account provisions are subject to applicable tax legislation and the terms and conditions established by Equitable.

• Life Income Fund (LIF)

  Life Income Fund (LIF) is a registered retirement income account offered by Equitable. It is designed to provide retirement income using assets transferred from locked-in registered pension plans, while ensuring withdrawals comply with applicable pension legislation. The account allows investments to remain tax-deferred while generating income throughout retirement. Equitable's Life Income Fund offers access to a range of eligible investment solutions, including segregated funds and guaranteed interest products, enabling retirees to manage their retirement assets according to their financial objectives and risk tolerance. Annual withdrawals are subject to legislated minimum and maximum limits, which vary depending on the applicable pension jurisdiction. Investment growth continues on a tax-deferred basis while assets remain in the account, and withdrawals are generally taxable when received. Investment options, withdrawal limits, eligibility, transfers and all account provisions are subject to applicable federal or provincial pension legislation, Canadian tax laws and the terms and conditions established by Equitable.

• Locked-in Retirement Account (LIRA)

  Locked-in Retirement Account (LIRA) is a registered retirement savings account offered by Equitable. It is designed to hold pension funds transferred from a registered pension plan when an individual leaves an employer, while preserving the funds for retirement in accordance with applicable pension legislation. Investments within the account continue to grow on a tax-deferred basis until retirement income is withdrawn through an eligible retirement income vehicle. Equitable's LIRA provides access to a range of eligible investment options, including segregated funds and guaranteed interest products, allowing plan holders to invest according to their financial objectives and risk tolerance. Because pension funds are locked in, withdrawals are generally not permitted before retirement except in limited circumstances permitted under applicable legislation. At retirement, eligible assets may typically be transferred to retirement income products such as a Life Income Fund (LIF) or used to purchase an annuity. Investment options, transfers, unlocking provisions, eligibility and all account terms are subject to applicable federal or provincial pension legislation, Canadian tax laws and the terms and conditions established by Equitable.

• Registered Retirement Income Fund (RRIF)

  Registered Retirement Income Fund (RRIF) is a registered retirement income account offered by Equitable. It is designed to convert retirement savings into a source of income while allowing the remaining investments to continue growing on a tax-deferred basis. A RRIF is commonly established by transferring assets from an RRSP when retirement income is required or when required under Canadian tax legislation. Equitable's RRIF provides access to a variety of eligible investment options, including segregated funds and guaranteed interest products, allowing retirees to manage their investments according to their financial goals and risk tolerance. The account requires a minimum annual withdrawal beginning each year after the RRIF is established, while there is generally no maximum withdrawal amount unless the funds are subject to locked-in pension legislation. Withdrawals are generally taxable in the year they are received. Investment options, withdrawal requirements, transfers, eligibility and all account provisions are subject to applicable Canadian tax legislation and the terms and conditions established by Equitable.

• Non-Registered Investments

  Flexible investment solutions designed to help build wealth outside registered accounts.

• Payout Annuities

  Payout Annuities are retirement income products offered by Equitable. They are designed to convert accumulated retirement savings or other investment assets into a predictable stream of income. Depending on the selected annuity option, payments can be guaranteed for a specified period or for the lifetime of the annuitant, helping provide financial security throughout retirement. Equitable offers several payout annuity options, including Life Annuities, Joint Life Annuities, and Term Certain Annuities, allowing clients to tailor retirement income to their personal needs. Optional features such as guaranteed payment periods and indexing may also be available, depending on the contract selected. Payout annuities can be purchased using registered or non-registered funds and provide guaranteed income based on the terms of the contract. Payment amounts, guarantee periods, available options, eligibility and all contract provisions are subject to the terms and conditions established by Equitable.

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