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Advisor Guide

PIVOTAL SOLUTIONS / PIVOTAL SOLUTIONS DSC Savings and Retirement

This guide provides a detailed overview of Equitable Life’s Pivotal Solutions and Pivotal Solutions DSC, including product features and benefits. The Pivotal Solutions and Pivotal Solutions DSC Contract and Information Folder provides full product details and will govern in all cases.

ABOUTTHIS GUIDE

Our mid-size as an important advantageIn addition to our mutual structure, Equitable Life’s medium size can be an important advantage:

• As a mid-sized company, we are able to be responsive and flexible when it comes to developing products and services, and delivering them to policyholders in selected target markets.

• A significant number of Independent Advisors prefer to deal with smaller, successful companies because we take more time to understand their business and their clients’ needs. These efforts go a long way toward building long-lasting, mutually rewarding partnerships.

• Many consumers believe that a medium-sized company delivers more of a “personal touch” when it comes to service. At Equitable Life, that personal touch is not only an attitude; it’s a reality. Our ultimate goal is to be recognized in the industry as an efficient, “easy to do business with” company.

Embracing the future as a mutual mid-sized companyIndustry analysts have predicted that medium-sized mutual life insurers can thrive among the giants of our industry if they are financially strong, strategically positioned, flexible, and have the ability to build upon inherent strengths in terms of target markets and well-established distribution systems.

This is the basis of our corporate vision:“A team of quality employees and Independent Producers focused on delivering competitive products and superior service to target markets applying technology and continuous improvement consistent profit, financial strength and enduring stability.”

All combined, these qualities distinguish Equitable Life as one of the largest mutual life insurance companies in Canada!

Questions? Equitable Life is committed to providing you with the service you need to support your business. If you have questions or require additional information, please contact your Equitable Life Investment Marketing Manager.

WE ArE GrOWInG STrOnG AS A mUTUAL COmPAnyAs a mutual company, Equitable Life competes well within our industry and services our chosen markets as a strong, progressive company. We are generating sufficient earnings and capital to meet our future growth targets and technology requirements. Our surplus, assets and total business in force all continue to grow steadily. Equitable Life’s Minimum Continuing Capital and Surplus Requirement (MCCSR) ratio is well in excess of the minimum capital requirement prescribed by the Office of the Superintendent of Financial Institutions Canada (OSFI). OSFI uses this measure to monitor all life insurers to ensure that their surpluses are sufficient to support their obligations to policyholders.

ABOUT EQUITABLE LIFE OF CAnADA

EQUITABLE LIFE OF CANADA SAVINGS AND RETIREMENT | PIVOTAL SOLUTIONS | PIVOTAL SOLUTIONS DSC 3

TABLE OF CONTENTS

Segregated Funds 4 Overview

Product Features & Investment Management Team 5 Pivotal Solutions Pivotal Solutions DSC

Fund Names & Codes 6

Benefits of Equitable Life Segregated Funds 7

Sales Opportunities 9

Management Fees and MERs 9

Death and Maturity Benefit Guarantees 12 Death Benefit Guarantees Maturity Benefit Guarantees The “Contract Based” advantage

Contract Maturity Dates 13 Registered Plans Non-Registered Plans Maturity Options

Withdrawals/Income Payment Options 14 Lump Sum or Unscheduled Withdrawals Systematic Withdrawal Plans (SWP) RRIF and LIF Income Payment Options Surrender Charges

Transfers 15 Internal Dollar Cost Averaging Asset Rebalancing

Taxation 16 Registered Plans Spousal Plans Non-Registered Plans

Statements and Client Reporting 17

Glossary 18

SAVINGS AND RETIREMENT | PIVOTAL SOLUTIONS | PIVOTAL SOLUTIONS DSC EQUITABLE LIFE OF CANADA4

EQUITABLE LIFESEGREGATED FUNDS

Financial Advisor’s Guide — An Overview

Are you looking for savings and income vehicles that can provide your clients with flexibility, protection and investment choice? Equitable Life of Canada’s Segregated Funds help to simplify the planning process, providing your clients with flexibility and investment choice while catering to those at different stages of their life cycle.

Savings and Income Opportunities

Equitable Life of Canada’s comprehensive savings and retirement opportunities allow your clients to select investment options suited to both conservative and more aggressive long-term investors, with something for everyone in between. A wide range of Segregated Funds allow your clients to customize portfolios that suit their savings goals while providing them with a flexible selection of income options at retirement.

Powerful Guarantees equals Peace of Mind

Your clients’ investments are secure. Equitable Life’s Segregated Funds have a 100% death benefit guarantee while Segregated Funds held within the Pivotal Solutions®, Pivotal Solutions DSC and LIF contracts offer a 75% maturity benefit guarantee, provided the contract has been in place for a minimum of fifteen years.* This maturity benefit guarantee may also apply to a RRIF contract if carried over from an Equitable Life RRSP as the result of a guarantee reset. These guarantees provide your clients reassurance in turbulent times, allowing for exposure to the return potential of stocks and bonds while protecting their capital investment in all types of markets.

Tax Advantaged Investing

Equitable Life’s Savings and Retirement plans create excellent tax planning opportunities for your clients. With a registered plan at Equitable Life, your clients can enjoy tax-deferred accumulation of their investments both before and during retirement.

With a non-registered plan, your clients have the ability to choose from numerous tax-advantaged investment options. Non-registered investments earning capital gains or dividend income may provide your clients with greater after-tax returns over time as compared to typical interest bearing investments, potentially increasing your clients’ net worth as well as their available cash flow.

*15 year minimum guarantee period applies to contracts issued on or after January 1,2011.


Pivotal Solutions Pivotal Solutions DSC

Load Type No Load Deferred Sales Charge

Maturity Benefit Guarantee1 75% of all gross premiums (reduced proportionately for all withdrawals and transfers)

Death Benefit Guarantee 100% of all gross premiums (reduced proportionately for all withdrawals and transfers)

Eligible Registration Types RRSP, Non-registered, TFSA, Locked-in RRSP, LIRA, Spousal RRSP, RRIF, Spousal RRIF, LIF

Maximum Issue/Deposit Age2RRSP accounts: age 71

Non-registered, RRIF and TFSA accounts: age 81

Contract Maturity Age1,2RRSP accounts: age 71

Non-registered, RRIF and TFSA accounts: age 105

Minimum Initial DepositAccumulation contracts: $500 or $50 PAC

RRIF/LIF contracts: $10,000

Minimum PAC $50 per fund

PAC Frequency Weekly, Monthly, Quarterly, Semi-Annually, Annually

Withdrawal Frequency Monthly, Quarterly, Semi-Annually, Annually

Minimum Withdrawal/Transfer $500

Withdrawal Fees $25 fee will apply to each unscheduled withdrawal after first two withdrawals

Additional FeesAn administration charge of 2% of the transfer value may apply

if units are transferred within 90 days of acquiring the units

Investment Options 30 segregated funds—including 6 Quotential Portfolios

Guarantee Resets N/AMaturity: two per life of the contract

Death: two per calendar year

Additional Guarantee Fees No annual fee outside of the fund MER

Declining Death Benefit No

Ability to Bypass Probate Yes

Potential Creditor Protection Yes

Waiving Redemption Fees Upon Death Yes

Auto-rebalancing Yes

Dollar Cost Averaging Yes

FundSERV Eligible Yes

Compensation3Level: 0% upfront, 1.008% asset-based trailer

Heaped: 2.1% upfront, 0.706% asset-based trailer

5.04% upfront

0.504 asset-based trailer

DSC Schedule N/A

Year 1: 6%

Year 2: 5%

Year 3: 4%

Year 4: 3%

Year 5: 2%

Year 6: 1%

Statement Frequency Semi-Annual

1 Contract must be in force for a minimum of 15 years.2 LIF age maximum may vary by province of residence.3 For inquiries on compensation paid, please consult with your MGA.

PRODUCT FEATURESFor contracts issued on or after January 1, 2011


FUND NAMES & CODES

Fund NameFund Codes

Estimated MER

No Load (heaped)

No Load (level) DSC

Money Market Funds

Money Market Fund 1.50% EQU205 EQU305 EQU505

Fixed Income Funds

Canadian Bond Fund 2.50% EQU202 EQU302 EQU502

Equitable Life Templeton Global Bond Fund 2.86% EQU211 EQU311 EQU511

Balanced/Asset Allocation Funds

Asset Allocation Fund 2.90% EQU201 EQU301 EQU501

Equitable Life Active Balanced ETF Portfolio Fund 2.45% EQU237 EQU337 EQU537

Equitable Life Acuity Canadian Balanced Fund 3.25% EQU228 EQU328 EQU528

Equitable Life Acuity Diversified Income Fund 3.40% EQU232 EQU332 EQU532

Equitable Life Dynamic Value Balanced Fund 3.20% EQU233 EQU333 EQU533

Equitable Life Mackenzie Founders Income and Growth Fund 3.45% EQU234 EQU334 EQU534

Equitable Life Mackenzie Saxon Balanced Fund 3.15% EQU235 EQU335 EQU535

Equitable Life Trimark Global Balanced Fund 3.35% EQU219 EQU319 EQU519

Equitable Life Trimark Income Growth Fund 3.40% EQU236 EQU336 EQU536

Portfolio Funds

Equitable Life Quotential Balanced Income Portfolio 3.05% EQU221 EQU321 EQU521

Equitable Life Quotential Balanced Growth Portfolio 3.34% EQU222 EQU322 EQU522

Equitable Life Quotential Diversified Income Portfolio 2.95% EQU223 EQU323 EQU523

Equitable Life Quotential Global Growth Portfolio 3.56% EQU224 EQU324 EQU524

Equitable Life Quotential Growth Portfolio 3.40% EQU225 EQU325 EQU525

Equitable Life Quotential Maximum Growth Portfolio 3.69% EQU226 EQU326 EQU526

Canadian Equity Funds

Canadian Stock Fund 2.90% EQU203 EQU303 EQU503

Equitable Life Acuity Pure Canadian Equity Fund 3.25% EQU227 EQU327 EQU527

Equitable Life Bissett Dividend Income Fund 2.94% EQU216 EQU316 EQU516

Equitable Life Invesco Canadian Premier Growth Fund 3.27% EQU215 EQU315 EQU515

Equitable Life MB Canadian Equity Value Fund 2.90% EQU209 EQU309 EQU509

US Equity Funds

American Growth Fund 3.32% EQU208 EQU308 EQU508

Equitable Life Mackenzie Universal U.S. Emerging Growth Fund 3.65% EQU217 EQU317 EQU517

Foreign Equity Funds

Equitable Life Dynamic Far East Value Fund 3.25% EQU231 EQU331 EQU531

Equitable Life Dynamic Power Global Growth Fund 3.24% EQU229 EQU329 EQU529

Equitable Life Templeton Growth Fund 3.40% EQU210 EQU310 EQU510

Equitable Life Trimark Europlus Fund 3.70% EQU218 EQU318 EQU518

Equitable Life Trimark International Companies Fund 3.26% EQU230 EQU330 EQU530


THE BENEFITS OF EQUITABLE LIFE SEGREGATED FUNDS

The Best of Both Worlds — Maximizing Growth Potential while Minimizing Investment Risk

Equitable Life of Canada® Segregated Funds offer a wide variety of investment options while providing your client guarantees and many other value added features and benefits not available with traditional mutual funds. A Segregated Fund, also known as an Individual Variable Insurance Contract, is a pool of professionally managed investment holdings within a life insurance contract providing your clients with the best of both worlds — the growth potential of equity markets and the security of capital protection. As a result of the structure of our Segregated Funds, your clients have the potential to maximize investment growth while minimizing investment risk.

Maturity Benefit Guarantees

Equitable Life of Canada Segregated Funds within the Pivotal Solutions, Pivotal Solutions DSC, LIF and RIF (if elected) contracts provide a maturity benefit guarantee of 75% of the gross value of all premiums invested since contract inception, reduced proportionately for all withdrawals and transfers (provided the contract has been in force for a minimum of 15 years). This is a tremendous advantage over many other Segregated Funds where maturity benefit guarantees only apply to premiums that have been invested for a minimum of 15 years.

Death Benefit Guarantees

Equitable Life of Canada Segregated Funds provide a 100% death benefit guarantee. In the event of the annuitant’s death prior to the contract maturity date, Equitable Life will guarantee that 100% of the gross value of all premiums invested since contract inception, reduced proportionately for all transfers and withdrawals, will be paid to a designated beneficiary.

Guarantee Resets

With Pivotal Solutions DSC, your clients can reset the maturity and death benefit guarantee value of their account provided the reset occurs at least fifteen years before the contract maturity date. Resets in a Pivotal Solutions DSC RRSP/LIRA may occur with less than ten years before the contract maturity date. If the proceeds of the account are transferred to a Pivotal Solutions DSC RRIF/LIF, an account value top up may be applicable fifteen years from the reset date. Resets provide an additional level of security to clients by allowing them to lock in market gains periodically.

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Jan 1, 2011 10,000 0 10,000 10,000 0 0 10,000 10,000 Jan 1, 2026

Jan 1, 2012 0 0 750 10,750 10,000 0 0 10,750 10,750 Jan 1, 2026

Jan 1, 20131 0 0 806 11,556 10,000 11,556 0 11,556 11,556 Jan 1, 2028

Jan 1, 2014 0 0 -867 10,689 10,000 11,556 0 11,556 10,689 Jan 1, 2028

Jan 1, 2015 0 2,000 0 8,689 8,129 9,394 0 9,394 8,689 Jan 1, 2028

Jan 1, 2016 0 0 -652 8,037 8,129 9,394 0 9,394 8,037 Jan 1, 2028

Jan 1, 2017 0 0 -603 7,434 8,129 9,394 0 9,394 7,434 Jan 1, 2028

Jan 1, 20182 0 0 0 7,434 8,129 7,434 0 8,129 7,434 Jan 1, 2028

Jan 1, 2019 2,500 0 0 9,934 10,629 9,394 2,500 11,894 9,934 Jan 1, 2028

Jan 1, 20203 0 0 0 9,934 10,629 9,934 0 10,629 9,934 Jan 1, 2035

Illustrative Guarantee on Death and Maturity Example: A Contract is issued on January 1, 2006 with an initial Maturity Date of January 1, 2021.

1 Contract Reset request on both Maturity Benefit and Death Benefit; 2 Contract Reset request refused, Guarantee Base unchanged. Reset would not be allowed as the new Guarantee Base would be lower than the current Guarantee Base; 3 Contract Reset request on both Maturity Benefit and Death Benefit. Reset would result in an increase in the Guarantee Base, but a decrease in the Guaranteed Death Benefit because a reset did not take place to lock-in gains from the $2,500 deposit.Notes: Assumed rate of growth or rate of decline at 7.5%; Withdrawals reduce the Guarantee Base proportionately; Resets are requested on January 1, 2013, January 1, 2018 and January 1, 2020.


Creditor Protection

As an insurance product, Segregated Funds allow a beneficiary to be named. As a result, your clients’ Segregated Fund assets may be protected from creditors of the contractholders subject to certain conditions. This feature may be invaluable in the event of personal bankruptcy or financial liability of the contractholder.* For creditor protection to apply, a beneficiary who is the parent, child, grandchild or spouse of the life insured must be named, or the beneficiary must be an irrevocable beneficiary.

*We strongly recommend that your clients obtain legal advice relevant to their particular situation.

Estate Planning Benefits

In the event of death, proceeds from your client’s Segregated Fund assets may flow directly to a named beneficiary and avoid the probate process. As a result, your client’s estate may not be required to pay probate fees and may have lower legal and administrative costs. The death and maturity guarantees available with the Segregated Funds may help to preserve the value of your client’s estate, leaving more for their heirs.

Portfolio Diversification

Segregated Funds allow the individual investor to spread risk across many different investments and asset classes. Segregated Funds offer an economical way to achieve diversification in a portfolio because they can include exposure to dozens or even hundreds of different securities or companies. Attempting to achieve this level of diversification through the purchase of individual securities can be time consuming and prohibitively expensive for individual investors.

Fully Liquid Investments

Investments in Equitable Life of Canada Segregated Funds are fully liquid and can be bought or sold at any time. Deferred service charges or short term trading fees may apply. Transfers from one fund to another can occur within the same contract at any time. No deferred service charges apply in this case. We reserve the right to limit the number of unscheduled transfers in any calendar year.

Simplified Record Keeping

Tax reporting with traditional mutual funds can be complicated and time consuming. Individual investors are typically responsible for tracking the adjusted cost base of their holdings as they are required to report any gains or losses for tax purposes. With Segregated Funds, gains and losses as a result of distributions or dispositions, are tracked and sent to your clients annually on a T3 tax slip. Your clients do not need to worry about the ongoing task of calculating their adjusted cost base every time a transaction is made.


SALES OPPORTUNITIES

Segregated Funds can provide you with an outstanding opportunity to grow your business and protect your clients with unique guarantees and benefits not available with traditional investment funds.

• Conservative Investors – Equitable Life of Canada Segregated Funds offer maturity and death benefit guarantees. Guarantee resets are also available on some policies. This allows even the most risk averse investors to participate in the growth potential of the equity markets while maintaining peace of mind in knowing that their principal investment has a measure of protection.

• Business Owners, Executives, Professionals, Board Members – The personal assets of many business owners face exposure to potential creditors. The risk may be even greater if your clients have borrowed money to start or expand their businesses. Professionals and board members may also be subject to personal liability. Segregated Funds may provide potential protection against creditors of the contractholder, subject to certain conditions.

• Estate Planning – Segregated Funds may be ideal for maximizing your clients’ estates and ensuring assets are distributed according to their wishes. Segregated Funds allow your clients to name a beneficiary. This may help ensure that estate settlement costs like probate and legal fees are kept to a minimum or even eliminated. Estate assets may be preserved and transferred directly to their intended beneficiaries without delay. Maturity and death benefit guarantees (as well as resets on some policies) may help to maximize the value of the estate.

• Retirement Savings and Income Options – Segregated Fund guarantees may help to ensure that your clients’ retirement savings will be there when they are needed. Your clients may also have the option of transferring their Segregated Funds to a wide range of Guaranteed Interest Accounts or Payout Annuities. Term Deposit Accounts are available with some Equitable Life RRIF and LIF policies.

• Investors in Poor Health – For those with health concerns, traditional life insurance may not be obtainable. Segregated Funds guarantee 100% of your client’s premiums upon death without asking any health-related questions. Guarantee resets, if available, also lock in gains. This may be ideal for those who are in substandard health and are concerned about short-term market fluctuations.

MANAGEMENT FEES AND MERs

All investment funds incur a Management Fee and certain operating expenses. The Management Fee combined with the insurance fee, operating expenses and applicable taxes determine the Management Expense Ratio (MER) of a Segregated Fund which is expressed as a percentage of the Fund’s daily net asset values. The Management Fee includes only the amount that is charged directly to the Fund for portfolio management services including investment research, marketing and compensation paid to advisors. Operating expenses of the Fund include administrative charges attributed to the Segregated Funds, incidental administrative fees resulting from the underlying funds, taxes (other than income taxes), audit fees, legal fees and custodial fees. The operating expenses do not include commissions and brokerage fees resulting from the purchase and sale of securities. In order to minimize the impact of these fees, Equitable Life currently absorbs certain operating expenses. This absorption of expenses can be discontinued at any time at the discretion of Equitable Life.

The Management Fee will not be duplicated in cases where an underlying Portfolio, Mutual Fund or Pooled Fund is being used.


Segregated Fund Management Fee Insurance Fee Insurance Fee Limits Estimated MER

Money Market

Money Market Fund 1.36% 0.00% 0.50% 1.50%

Fixed Income Funds

Canadian Bond Fund 1.71% 0.05% 0.55% 2.50%

Equitable Life Templeton Global Bond Fund 2.30% 0.05% 0.55% 2.86%


Asset Allocation Fund 2.39% 0.05% 0.55% 2.90%

Equitable Life Active Balanced ETF Portfolio Fund 1.62% 0.10% 0.60% 2.45%

Equitable Life Acuity Canadian Balanced Fund 2.72% 0.10% 0.60% 3.25%

Equitable Life Acuity Diversified Income Fund 2.40% 0.10% 0.60% 3.40%

Equitable Life Dynamic Value Balanced Fund 2.46% 0.10% 0.60% 3.20%

Equitable Life Mackenzie Founders Income and Growth Fund 2.66% 0.10% 0.60% 3.45%

Equitable Life Mackenzie Saxon Balanced Fund 2.48% 0.10% 0.60% 3.15%

Equitable Life Trimark Global Balanced Fund 2.88% 0.10% 0.60% 3.35%

Equitable Life Trimark Income Growth Fund 2.73% 0.10% 0.60% 3.40%

Portfolio Funds

Equitable Life Quotential Balanced Growth Portfolio 2.95% 0.10% 0.60% 3.05%

Equitable Life Quotential Balanced Income Portfolio 2.70% 0.05% 0.55% 3.34%

Equitable Life Quotential Diversified Income Portfolio 2.60% 0.05% 0.55% 2.95%

Equitable Life Quotential Global Growth Portfolio 3.15% 0.10% 0.60% 3.56%

Equitable Life Quotential Growth Portfolio 3.00% 0.10% 0.60% 3.40%

Equitable Life Quotential Maximum Growth Portfolio 3.25% 0.10% 0.60% 3.69%


Canadian Stock Fund 2.14% 0.10% 0.60% 2.90%

Equitable Life Acuity Pure Canadian Equity Fund 2.76% 0.10% 0.60% 3.25%

Equitable Life Bissett Dividend Income Fund 2.35% 0.05% 0.55% 2.94%

Equitable Life Invesco Canadian Premier Growth Fund 2.70% 0.10% 0.60% 3.27%

Equitable Life MB Canadian Equity Value Fund 2.15% 0.10% 0.60% 2.90%

US Equity Funds

American Growth Fund 2.35% 0.10% 0.60% 3.32%

Equitable Life Mackenzie Universal U.S. Emerging Growth Fund 3.05% 0.10% 0.60% 3.65%


Equitable Life Dynamic Far East Value Fund 2.72% 0.10% 0.60% 3.25%

Equitable Life Dynamic Power Global Growth Fund 2.72% 0.10% 0.60% 3.24%

Equitable Life Templeton Growth Fund 2.94% 0.10% 0.60% 3.40%

Equitable Life Trimark Europlus Fund 3.20% 0.10% 0.60% 3.70%

Equitable Life Trimark International Companies Fund 2.77% 0.10% 0.60% 3.26%

PIVOTAL SOLUTIONS MERs


Segregated Fund Management Fee Insurance Fee Insurance Fee Limit Estimated MER

Money Market

Money Market Fund 1.36% 0.00% 0.50% 1.50%

Fixed Income Funds

Canadian Bond Fund 1.71% 0.35% 0.55% 2.50%

Equitable Life Templeton Global Bond Fund 2.30% 0.26% 0.55% 2.86%


Asset Allocation Fund 2.39% 0.22% 0.55% 2.90%

Equitable Life Active Balanced ETF Portfolio Fund 1.62% 0.10% 0.60% 2.45%

Equitable Life Acuity Canadian Balanced Fund 2.72% 0.10% 0.60% 3.25%

Equitable Life Acuity Diversified Income Fund 2.40% 0.10% 0.60% 3.40%

Equitable Life Dynamic Value Balanced Fund 2.46% 0.10% 0.60% 3.20%

Equitable Life Mackenzie Founders Income and Growth Fund 2.66% 0.10% 0.60% 3.45%

Equitable Life Mackenzie Saxon Balanced Fund 2.48% 0.10% 0.60% 3.15%

Equitable Life Trimark Global Balanced Fund 2.88% 0.13% 0.60% 3.35%

Equitable Life Trimark Income Growth Fund 2.73% 0.10% 0.60% 3.40%

Portfolio Funds

Equitable Life Quotential Balanced Growth Portfolio 2.95% 0.13% 0.60% 3.34%

Equitable Life Quotential Balanced Income Portfolio 2.70% 0.07% 0.55% 3.05%

Equitable Life Quotential Diversified Income Portfolio 2.60% 0.09% 0.55% 2.95%

Equitable Life Quotential Global Growth Portfolio 3.15% 0.13% 0.60% 3.56%

Equitable Life Quotential Growth Portfolio 3.00% 0.13% 0.60% 3.40%

Equitable Life Quotential Maximum Growth Portfolio 3.25% 0.13% 0.60% 3.69%


Canadian Stock Fund 2.14% 0.40% 0.60% 2.90%

Equitable Life Acuity Pure Canadian Equity Fund 2.76% 0.10% 0.60% 3.25%

Equitable Life Bissett Dividend Income Fund 2.35% 0.31% 0.55% 2.94%

Equitable Life Invesco Canadian Premier Growth Fund 2.70% 0.23% 0.60% 3.27%

Equitable Life MB Canadian Equity Value Fund 2.15% 0.40% 0.60% 2.90%

US Equity Funds

American Growth Fund 2.35% 0.40% 0.60% 3.32%

Equitable Life Mackenzie Universal U.S. Emerging Growth Fund 3.05% 0.21% 0.60% 3.65%


Equitable Life Dynamic Far East Value Fund 2.72% 0.10% 0.60% 3.25%

Equitable Life Dynamic Power Global Growth Fund 2.72% 0.10% 0.60% 3.24%

Equitable Life Templeton Growth Fund 2.94% 0.13% 0.60% 3.40%

Equitable Life Trimark Europlus Fund 3.20% 0.13% 0.60% 3.70%

Equitable Life Trimark International Companies Fund 2.77% 0.10% 0.60% 3.26%

PIVOTAL SOLUTIONS DSC MERs

How Fund Units are Allocated and ValuedThe unit values of each Segregated Fund are valued each business day (known as Valuation Day). The unit value is determined by dividing the market value of the assets of the fund on the Valuation Day (less all applicable management fees and expenses) by the total number of outstanding units on the Valuation Day. The number of units acquired in the Segregated Fund will be determined by dividing the premium allocated to the Fund by the current Unit Value of the respective fund prevailing at the date of unit acquisition.


DEATH AND MATURITY BENEFIT GUARANTEES

The death and maturity benefit guarantees are two key benefits of owning Equitable Life Segregated Funds. The following examples demonstrate the value that Segregated Funds can add to the growth and stability of your client’s portfolio and long-term financial plan.

Death Benefit Guarantees*Equitable Life Segregated Funds offer a 100% death benefit guarantee. In the event of the annuitant’s deathprior to the maturity date of the contract, Equitable Life will guarantee a Death Benefit equal to the greater of:

• 100% of all gross premiums deposited to the contract that were immediately or subsequently allocated to the Segregated Funds, reduced proportionately by transfers and surrenders or cash withdrawals from the Segregated Funds (transfers between Segregated Funds within the same contract have no impact on the death benefit guarantee)

AND• the account value of the Segregated Funds, based on the current unit value of the Segregated Funds on the date

Equitable Life receives written notice of the death of the Annuitant (surrender charges, if applicable, do not apply when a death benefit is paid).

Maturity Benefit Guarantees*The Segregated Funds within your client’s Segregated Fund account (except RRIF in certain circumstances) provide a 75% maturity benefit guarantee. Provided that your client’s maturity date is at least 15 years after the effective date of the contract, Equitable Life will guarantee the annuitant receives an amount that is the greater of:

• 75% of all gross premiums deposited to the contract that were immediately or subsequently allocated to the Segregated Funds, reduced proportionately by transfers and surrenders or cash withdrawals from the Segregated Funds (transfers between Segregated Funds within the same contract have no impact on the maturity benefit guarantee)

AND• the cash value of the contract on the maturity date.

Payment of either the Death Benefit or Maturity Benefit will terminate the contract. The value of units surrendered is not guaranteed and will be based on the current unit value prevailing on the date of surrender.

*Please note that both the Death Benefit Guarantee and Maturity Benefit Guarantee amounts may be increased as a result of applicable guarantee resets.

The “Contract-Based” AdvantageEquitable Life’s Segregated Fund Maturity Guarantees provide your clients with a big advantage. The Maturity Guarantee runs from the Contract Effective Date, not from the date that each individual premium was deposited. Your clients’ premiums will carry a Maturity Benefit of 75%, reduced proportionately by withdrawals and transfers, as long as their contract has been in force for a minimum of 15 years regardless of when subsequent premiums were deposited. The following example and chart provide a comparison between Equitable Life’s 75% “Contract Based” guarantee and a 100%, 15 year “Deposit Based” guarantee.

At age 54, your client opens a registered Pivotal Solutions contract and makes contributions of $10,000 per year to age 69 or 2026, his/her selected maturity date. At this point the account is converted to a RRIF. Regardless of stock market performance the Segregated Funds will have a minimum guaranteed value of $112,500 (75% x $150,000) at maturity.

Contract Based Deposit BasedContract Effective Date January 2011 January 2011

Selected Term to Maturity 15 years 15 years

Maturity Guarantee Percentage 75% 100%

Annual Contributions $10,000 $10,000

Total Contributions $150,000 $150,000

Guaranteed Minimum Account Value at Maturity (Jan 2026) $112,500 $10,000

In contrast, with a deposit based guarantee, each premium must remain on deposit for a minimum of 15 years in order to qualify for the maturity benefit guarantee. In the example above, the deposit based guarantee only provides a minimum guarantee at maturity of $10,000 since only 1 premium deposit has been invested for a minimum of 10 years.


CONTRACT MATURITY DATES

With the Pivotal Solutions or Pivotal Solutions DSC plans, your client has the option to elect a contract maturity date. If a maturity date is not elected at the time of application, the plan will mature as follows:

Registered Plans

Registered plans mature on the contract anniversary date in December of the year your client turns age 71 or as required by legislation. At this time, your client’s RRSP or LIRA account will terminate and a RRIF or LIF contract will become effective immediately. CRA currently requires that all RRSPs be withdrawn or converted to a RRIF or annuity by December 31st of the year in which your client turns 71. A TFSA contract will mature in December of the year your client turns age 105.

Your client’s registered Pivotal Solutions contract will become a Pivotal Solutions RRIF/LIF contract. A Pivotal Solutions DSC contract will become a Pivotal Solutions DSC RRIF/LIF contract.

Non-Registered Plans

Non-registered plans mature in December of the year your client turns 105. At this point, the contract will terminate and Maturity Option 5, “Proceeds on Deposit” will automatically apply. Please refer to the following Maturity Options for further details.

Maturity Options

There are a wide variety of maturity options available to provide the utmost in flexibility of income options for your clients.

Equitable Life of Canada Payout Annuities offer an excellent income option. They provide your clients with a guaranteed income for life or for a specified period, the choice is theirs. Payout annuities take the worry out of investing and can provide a simple, straightforward solution to your clients’ income needs.

1. Life Annuity – A guaranteed periodic income will be paid to the annuitant for life. The option to choose a guarantee period is available.

2. Joint and Survivor Annuity – A guaranteed periodic income will be paid as long as at least one spouse or common-law partner is living. Again, a guarantee period is available.

3. Term Certain Annuity – A guaranteed periodic income will be paid to the annuitant for a specified period of time, chosen at the time of application. If the source of funds being used to purchase this annuity is registered, then a Term Certain to Age 90 must be purchased.

Note: Details regarding guarantee periods and payment mode are elected at the time of application. Income from the Payout Annuities can be paid monthly, quarterly, semi-annually or annually. Additional information on Equitable Life Payout Annuities is available in the Payout Annuities Financial Advisor Guide.

4. Registered Retirement Income Fund (RRIF)*– Available for non locked-in registered plans only. Allows for complete control with respect to the timing and amount of income payments your clients receive (subject to required minimum payments). A wide selection of investment options with powerful guarantees are available including Segregated Funds and guaranteed investments. *If funds are locked-in, this option will be a Life Income Fund (LIF) except in the province of Saskatchewan where this option must be a “Saskatchewan” Prescribed Registered Retirement Income Fund (a Saskatchewan PRRIF).

5. Proceeds on Deposit – The proceeds will be left on deposit earning interest based on the rates in effect on the date the option is elected.


WITHDRAWALS / INCOME PAYMENT OPTIONS

Your client’s goals and circumstances will continually change. Equitable Life’s Savings and Retirement plans have been designed with this in mind. Investments within your client’s contract are always accessible.*

*Registered locked-in contracts have certain restrictions and maximum withdrawal limits as prescribed by provincial pension legislation.

Lump Sum or Unscheduled WithdrawalsThe minimum lump sum withdrawal for all contracts is $500 and may be subject to applicable surrender charges. The contract will terminate if the entire cash value of the contract is withdrawn.

Other than surrender charges, there are no additional fees or costs associated with the first two unscheduled withdrawals from any investment option in any calendar year. A $25 fee will be charged for each unscheduled withdrawal thereafter.

Note: If your client’s contract is registered and is not a TFSA, withholding taxes will apply to amounts withdrawn for any purpose other than the Homebuyer’s Withdrawal Plan, the Lifelong Learning Plan or the required minimum payment for a RRIF or LIF. TFSA withdrawals are tax-free.

Systematic Withdrawal Plans (SWP)For non-registered contracts, your clients have the option of requesting regularly scheduled withdrawals. Ideal for providing or supplementing their income, regular withdrawals can be scheduled monthly, quarterly, semi-annually or annually. There are no additional costs or fees associated with scheduled withdrawals other than applicable surrender charges.

RRIF and LIF Income Payment OptionsEquitable Life’s RRIF and LIF accounts offer your clients incredible flexibility and allow them to tailor the timing and amount of income to suit their needs. They have the option of electing an initial income date from the 1st to the 28th of the month. Payments can be received monthly, quarterly, semi-annually or annually. In addition, your clients can elect the investment options from which their income will be drawn.

Payments can begin anytime but cannot start later than the end of the calendar year following the year that the RRIF or LIF was purchased.

• Minimum Payment – Canada Revenue Agency (CRA) requires that all RRIF and LIF contracts pay out a prescribed minimum amount each calendar year. As a payment is not required in the year the contract is purchased, if you select Minimum Payment as your income option, no payment will be made in the initial year.

• Flat Dollar Payment* – Your clients have the option to elect a fixed or flat annual payment amount.• Indexed Payment* – To keep pace with inflation and the increasing cost of living, your clients can elect to have their

Flat Dollar Payments indexed each year. Payments can be indexed up to 15% per year.• Maximum Payment (LIF only) – For clients that wish to maximize their available pension income, they can elect to receive

Maximum Payments. Provincial pension benefits legislation has placed a maximum withdrawal limit on LIF plans. The Maximum Payment is based on your client’s age, account value, and investment return. Depending on the province of residence, your clients may be required to convert their LIF to a Life Annuity at age 80.

*Total payments must meet the required annual minimum payment and cannot exceed the Maximum Payment for LIF contracts.

Equitable Life will calculate both the Minimum and Maximum Payment amounts each year and will provide this information to your client. No surrender charges are payable up to the Minimum Payment required by CRA.


Surrender Charges

Your clients have access to the Segregated Funds within their contracts at anytime provided the funds are not locked-in. The Segregated Funds in a Pivotal Solutions DSC or Pivotal Solutions DSC RRIF/LIF contract are sold on a back-end load or deferred sales charge basis. Surrender charges will apply, according to the schedules below. Units of the Segregated Funds will be surrendered on a first in, first out basis. Units that have been held in the Contract for more than six years will not be subject to surrender charges.

Pivotal Solutions DSC, Pivotal Solutions DSC RRIF/LIFYears since units allocated Surrender ChargeYear 1 6.0%Year 2 5.0%Year 3 4.0%Year 4 3.0%Year 5 2.0%Year 6 1.0%

To provide the greatest flexibility possible, charge-free withdrawals out of the Segregated Funds totaling 10% of the account value within these plans will be permitted each calendar year. The 10% charge-free withdrawal is reduced proportionately by the number of units withdrawn or transferred from the Segregated Funds. An annual charge-free withdrawal of 20% is permitted from RRIF and LIF. The charge-free withdrawals will not apply if the entire Cash Value is withdrawn.

TRANSFERS

Your clients have the option to transfer funds between investment options on a lump sum or periodic basis. These transfers may be subject to surrender charges. The minimum permitted lump-sum transfer amount is $500. Remember that transfers between the non-registered Segregated Funds may trigger capital gains or losses that must be reported and may result in tax consequences to your client.

Internal Dollar Cost AveragingYour clients also have the option of scheduling regular transfers between investment options from the 1st to the 28th of the month. For example, your clients may contribute a lump sum to their Daily Interest Account (DIA). From the DIA, regular periodic transfers can be made to their Segregated Funds. Making periodic contributions, commonly referred to as Dollar Cost Averaging, is an investment technique whereby a fixed dollar amount is invested at regular intervals. This allows the investor to purchase a larger number of units when the price is lower and fewer units when the price is higher. Dollar Cost Averaging may help to increase investment returns while reducing the volatility of your clients’ Segregated Funds.

Asset RebalancingThe relationship between asset mix and the variability of a portfolio’s return is a strong one. Your client’s asset mix will be partly determined by his/her risk tolerance, time horizon and financial goals. The optional Asset Rebalancing feature may help ensure that your client’s Segregated Fund asset mix will remain consistent with his/her financial objectives.

Because Segregated Funds each have their own separate and distinct investment objectives, they will increase or decrease in value over time at different rates, altering your client’s original asset mix. Your client can choose the funds and corresponding percentages that he/she would like to have rebalanced.

With Asset Rebalancing, transfers are done between the elected Segregated Funds internally to restore your client’s asset mix to the same percentage as their desired investment allocation. Your clients have the choice of rebalancing as many funds as they choose on a monthly, quarterly, semi-annual or annual basis. To increase flexibility and allow for changing client circumstances, Asset Rebalancing percentages can be changed at any time. As with any transfer between funds, rebalancing accounts within non-registered contracts may create taxable dispositions that your client should be aware of.


Unscheduled Transfers – Equitable Life reserves the right to limit the number of unscheduled transfers in any calendar year and reserves the right to charge an administrative fee of 2% of the transfer value of units from a fund within 90 days of acquiring them. This fee does not apply to a transfer out of the Money Market Fund.

TAXATION

Your client’s investments will generate taxable income over time. It is important to understand the impact of taxes on the performance of your client’s investments and to make a distinction between the different types of income allocated to them.

Registered PlansEquitable Life Segregated Funds can be registered under Section 146 of the Income Tax Act (Canada). Unlike a non-registered plan, income and growth attributed to investments within the registered plans are permitted to accumulate on a tax-deferred basis. Transfers between investment options within the registered plans are also tax-free.

Contributions to an RRSP are fully tax-deductible and Equitable Life will provide your clients with a tax receipt. Contributions to a RRIF/LIF are not permitted; however, a transfer to a RRIF/LIF from an existing RRIF/LIF will be accepted provided account minimum requirements are met.

Your clients have enjoyed the tax deductibility available through contributing to an RRSP over the years. As a result, any withdrawals from either their RRSP or RRIF/LIF are fully taxable at the annuitant’s marginal tax rate. Any withdrawals from an RRSP or withdrawals from a RRIF/LIF that exceed the required annual minimum will be subject to withholding taxes per CRA regulations.

*TSFA contributions are not tax-deductible; however, TFSA earnings are not subject to income tax and may be withdrawn at any time without income tax liability.

Spousal PlansIt is important to keep in mind taxation and income attribution rules as they apply to Spousal RRSPs. In order to avoid attribution, contributions made to a Spousal RRSP must remain within the plan for the remainder of the current calendar year and the two following calendar years. Withdrawals made prior to this time will be attributed back to the contributor spouse. Withholding tax will also apply on withdrawals from a Spousal RRSP as prescribed by the Income Tax Act (Canada). The same attribution rules also apply to Spousal RRIFs only for any amounts withdrawn that exceed the required minimum for that year.

Example: Your client has chosen to rebalance three of his/her four Segregated Funds annually.

In this instance, $300 is transferred out of fund 3, $40 is transferred to fund 1 and $260 is transferred to fund 2. Fund 4 is left alone.

Opening Value Selected Rebalancing Percentage

Value at End of Year

Percentage End of Year

Value after Rebalancing

Percentage after Rebalancing

Fund 1 $3,000 30% $3,200 29.60% $3,240 30%

Fund 2 $2,000 20% $1,900 17.60% $2,160 20%

Fund 3 $5,000 50% $5,700 52.80% $5,400 50%

Fund 4 $1,500 N/A $1,580 N/A $1,580 N/A


Non-Registered Plans

With a Segregated Fund, the Income Tax Act (Canada) deems your client’s contract to be an inter-vivos trust for income tax purposes. Any income generated by the Segregated Funds, whether interest, dividends, capital gains or losses, is allocated to the contractholders on a time-weighted basis (the actual time the contract-holder had an interest in the Fund). As investment income is allocated, the allocations will either increase or decrease the adjusted cost base (ACB) of your client’s units. This is unlike a Mutual Fund, which distributes income, resulting in a change to the Fund’s unit value. The allocation of capital losses generated by a Segregated Fund provides a tremendous tax savings opportunity for your client. Capital losses can be used to offset realized capital gains from your client’s other investments. With a mutual fund, capital losses incurred within the Fund must be carried forward and used to offset future capital gains within the fund.

Segregated Funds are considered “flow-through” investments which means all income allocated retains its character for investment purposes. For non-registered contracts, interest income is taxed at your client’s top marginal rate, Canadian dividends are subject to the “gross-up” and are eligible for the dividend tax credit, while capital gains are taxable at your client’s regular inclusion rate. Registered contracts are tax sheltered and, as a result, no tax is payable until the funds are withdrawn.

Your client can also trigger a capital gain or loss by selling units in the Segregated Funds. A gain or loss will be triggered if the proceeds differ from the ACB of the Funds. Equitable Life tracks and reports all capital gains and losses as well as any income allocated to the Segregated Funds, DIA, GDAs or TDAs to your clients annually on a T3 tax receipt. Traditional mutual fund investors are responsible for tracking their own ACB and reporting any income received from their funds. Segregated Funds eliminate the need for time consuming and complicated calculations.

This summary does not include all possible tax considerations. A personal tax advisor should be consulted regarding your client’s individual tax situation.

ANY AMOUNT THAT IS ALLOCATED TO A SEGREGATED FUND IS INVESTED AT THE RISK OF THE CONTRACT-HOLDER AND MAY INCREASE OR DECREASE IN VALUE.

STATEMENTS AND CLIENT REPORTING

Your clients will receive statements outlining the current financial status of their accounts at least annually. The statements will include a current Account Value and Cash Value, as well as a detailed summary of all transactions occurring within the plan over the last quarter. For RRIF and LIF contracts, statements will also outline the Account Value at the beginning of the year, total payments made in the current year and the minimum that must be paid out as income during the year.

The Audited Segregated Funds Annual Report as at December 31st of the previous year is available upon request and can be accessed through the internet at www.equitable.ca. This report will include the financial statements, management expense ratios, management fees and rates of return for each fund.


GLOSSARY

Account Value The Account Value of the DIA, GDA or TDA is the sum of the premiums or transfers in, less amounts withdrawn or transferred out, plus accrued interest. The Account Value of the Funds is the total value of the units held in the Funds. The Account Value of the Funds is based on the current Unit Value of the particular Fund in effect at that time multiplied by the number of units credited to the Contract in that Fund. The Account Value of the Policy Contract is the sum of the Account Values of the: Daily Interest Account, Guaranteed and Term Deposit Accounts and the Segregated Funds.

Annuitant This is the individual on whose life the maturity and death benefit guarantees are based. For registered contracts the Annuitant must be the Contractholder.

Annuity An annuity pays a fixed amount to the annuitant for life or until the end of the annuity’s term.

Assuris The insurance industry equivalent of the Canadian Deposit Insurance Corporation (CDIC). Assuris is an industry-funded organization that provides varying amounts of protection for different types of insurance company products. The death and maturity benefits for the Segregated Funds are protected by Assuris up to certain limits.

Beneficiary This is the individual who is entitled to receive the death benefit proceeds should the Annuitant die prior to the Contract maturity.

Business Day This is a day on which the Toronto Stock Exchange is open for trading in securities.

Capital Gain/Loss A capital gain is the profit that results when a capital asset is sold for more than its cost. A capital loss arises when a capital asset is sold for less than its cost. The costs associated with the purchase or sale will reduce your client’s capital gain or increase your client’s loss. The inclusion rate on capital gains and losses is currently 50%.

Cash Value The Cash Value of the Policy Contract is equal to the Account Value of the Policy Contract minus the sum of any Market Value Adjustments applicable to the Guaranteed and Term Deposit Accounts and any surrender charges applicable to investments in the Segregated Funds.

Contract An agreement between two parties, written and enforceable by law. For example, Pivotal Solutions, Pivotal Solutions DSC, RRIF and LIF are represented by a Contract.

Contractholder This is the owner of the Contract. For registered contracts, the contractholder must be the Annuitant.

Death Benefit Guarantee This is the benefit payable under the Contract on the death of the annuitant. This benefit is fully guaranteed by Equitable Life.


Effective Date The Policy Contract comes into effect on the date that the premium submitted with your client’s signed accumulation annuity application is paid to us, or the date that the transferred fund relating to the previously submitted payout annuity application is received by us. Equitable Life will send you a subsequent Confirmation Notice to affirm our receipt of your client’s first premium.

Guarantee Reset This is a feature available to the contract-holder of a Pivotal Solutions DSC contract allowing him/her to lock in the maturity and death benefit guarantee value of his/her segregated funds. Resets are available up to December 31st in the year the client turns 81.

LIF A Life Income Fund is a type of Registered Retirement Income Fund that is exclusively used to invest monies from a Registered Pension Plan, a LIRA or Locked-in RSP. LIF annuitants must withdraw a minimum amount of income each year but cannot withdraw an amount in excess of the stipulated maximum calculated according to provincial pension regulations. Depending on your clients’ province of residence they may be required to convert their LIF to a Life Annuity in the year they turn 80.

LIRA/Locked-in RSP A Locked-in Retirement Account is a type of Registered Retirement Savings Plan that is used to invest monies transferred from a Registered Pension Plan or another locked-in registered plan.

Management Fee A fee that an investment or insurance company receives in exchange for the portfolio management services provided for the Segregated Funds. This fee is charged directly to the Segregated Fund.

Marginal tax rate This is the top rate of income tax that is charged to individuals on their last dollar of earnings. The rate also indicates how much tax you would save on each dollar of income that does not need to be reported on your tax return. For example, if your client’s marginal tax rate is 46% and he/she contributed $1,000 to an RRSP, the amount saved in income tax would be $460.

Maturity Benefit Guarantee This is the benefit your client will be entitled to upon maturity of the Pivotal Solutions, Pivotal Solutions DSC or any RIF/LIF contract (provided it has been in place for a minimum of 15 years). This benefit is fully guaranteed by Equitable Life.

MER The Management Expense Ratio is the ratio of the total expenses of the Segregated Fund to its total assets. It is calculated by dividing the Management Fee plus the operating expenses including GST of the Fund incurred during the year by the average net asset value of the Fund in that same year.

Mutual Fund A pool of money that is professionally managed and invested on behalf of individual investors. The fund may invest in a wide variety of securities including stocks, bonds, options, commodities, or money market securities. The investment in a mutual fund is represented by shares or units. The value of the units depends on the value of assets owned by the mutual fund, less expenses incurred by the Fund.


Premium The payment an annuitant makes to an insurance contract.

RRIF A Registered Retirement Income Fund provides income during retirement and is one of several maturity options for an RRSP. Investments within the RRIF continue to grow on a tax-sheltered basis. New contributions cannot be made to a RRIF (other than transfers from existing RRSPs), and a minimum annual payment must be withdrawn beginning the year following the year that the plan is opened as stipulated by CRA. RRIFs provide your clients with the option to make their own investment choices.

RRSP A Registered Retirement Savings Plan is a savings vehicle that shelters earnings within the plan from income tax. Within prescribed limits, contributions to an RRSP are tax-deductible while income earned within the RRSP is permitted to grow tax free. Withdrawals from an RRSP are fully taxable as income and the plan must be wound up by December 31st in the year in which the contract-holder turns 71.

Segregated Fund Refers to a managed investment Fund offered by a life insurance company that invests in a portfolio of securities on behalf of its contractholders. The Segregated Fund offers death benefit and maturity benefit guarantees. The assets of the Segregated Funds are held separate from the general assets of the insurance company.

Surrender Charge A surrender charge is a percentage of the value of the units surrendered in a particular Segregated Fund. It applies only for 6 years after the date the units of the Funds are allocated to your client’s contract. It is applied against the value of the units surrendered depending on the number of years since they were allocated to the Funds. Surrender charges are treated as withdrawals for purposes of calculating the guaranteed benefits.

TFSA A Tax-Free Savings Account is a registered savings vehicle that can be used for any purpose (ie. education, home purchase, vacation) or as a supplement or alternative to retirement funding. Contributions are not tax deductible, but growth is not taxable and withdrawals are tax-free.

Transfer This refers to the movement of funds from one investment option to another, within the same contract.

Unit Value The unit value of a Fund (referred to as “current Unit Value”) is determined by dividing the market value of the assets of the Fund on a valuation date (less any applicable management fees and operating costs) by the total number of units outstanding at the time of valuation.

This information does not constitute legal, tax or other professional advice.Unless otherwise indicated, ™ or ® denotes a trademark of The Equitable Life Insurance Company of Canada.

Quotential, Franklin Templeton and the Franklin Templeton Investments logo are all trademarks of Franklin Templeton Investments Corp.

® FundSERV is a registered trademark of FundSERV Inc.

S&P and S&P 500 are trademarks of the McGraw-Hill Companies Inc.

ADVISOR USE ONLY – NOT INTENDED FOR PUBLIC DISTRIBUTION

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Visit our website: www.equitable.ca

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EQUITABLE LIFEOF CANADA.A wise choice.

Through personal service, superior products and an

ongoing commitment to mutuality, Equitable Life can

assist you in reaching your financial goals. Whether

you’re making your first investment, building your

financial plan, or looking for ways to protect what

is most important to you, we have the solutions you

need. With customer-centred staff, and a prudent

investment strategy focused on long-term stability,

growth and profitability, we also have the focus

and expertise you need. In all aspects of your life,

we’re committed to helping you achieve the financial

future you’re looking for, by putting you first.

® denotes a trademark of The Equitable Life Insurance Company of Canada.

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