Choosing Equitable Life. Top 10 countdown FOR ADVISOR USE ONLY

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1 Choosing Equitable Life Top 10 countdown

2 #10 We work for you We are one of Canada s largest mutual life insurance companies. Owned by our participating policyholders Focused on their long-term interests Stability and growth Dividends are not guaranteed. They are subject to change, and will vary based on the actual investment returns in the participating account as well as mortality, expense, lapse, claims experiences, taxes and other experience of the participating block of policies.

3 Our financial strength 2013 financial highlights Net income increased to 58.6 million, for a return on policyholders equity of 16.1%. Participating policyholders equity increased 17.3% to 394 million. Capital strength, as measured by the MCCSR ratio, ended the year at 228%. Premiums and deposits increased by 4.0% to 680 million. Assets under administration grew 4.2% to 3.04 billion.

4 #9 Regional sales support In the field, where you need it!

5 #8 Underwriting made easy Direct access to senior underwriters Non-medical for term life up to 249,999 (ages 18 45) Non-medical and saliva testing for whole life and universal life: up to 500,000 (ages 16 40) up to 250,000 (ages 41 45)

6 #7 Broad product shelf Payout Annuities

7 #6 Participating whole life Choice of two plan types: Equimax Estate Builder Equimax Wealth Accumulator Participating account investment advantages Competitive rates and values (ages 35 55) Dividends have been credited every year since we first launched participating whole life in Dividends are not guaranteed. They are subject to change, and will vary based on the actual investment returns in the participating account as well as mortality, expense, lapse, claims experiences, taxes and other experience of the participating block of policies.

8 Whole life comparison Rates as of October 2014, 6,000 annual deposit, PUA dividend option Male, age 35, non-smoker, life pay Equitable Life (Estate Builder) Basic face amount Company A Company B Company C 320, , , ,650 Year , , , ,493 Age , , , ,255 Age 85 1,342,462 1,169,503 1,206,408 1,256,224 Year , , , ,643 Age , , , ,018 Age 85 1,687,315 1,478,919 1,538,926 1,571,437 Total CSV Total death benefit Source: Canada Life, Sun Life and Manulife illustrations

9 #5 Pick of the crop Some of the hottest term rates in the industry. Term 10 & 20 Our most competitive rates ever Term 30/65 Lowest overall cost for 30 years of coverage

10 LifeGuide ranking Ranking as of October 2014

11 #4 Simply faster Living Protection critical illness insurance Final Protection whole life insurance No medical exam. Policies issued within 2 days. Guaranteed premiums.

12 #3 Growth potential with protection PIVOTAL SELECT segregated funds Featuring Estate Class Broad investment choice Annual death benefit resets 100% death benefit guarantee Eligible for deposits to age 85! Please refer to the Information Folder and contract for details.

13 #2 Easy to do business with Dedicated advisor site - EquiNet including: EZUpload and online policy inquiry tools make it easy to upload, submit and track the status of life and critical illness applications. Mobile EquiNet for Life new business pending inquiries from your mobile device. Online annuity quotation for payout annuities. Critical illness online needs analysis tool.

14 #1 Yes we are!

15 In the 2013 Distribution Service Satisfaction Survey, advisors ranked us: Overall service performance (including prompt responses and turn-around times, simple processes, ability to reach a live person, and knowledgeable, helpful staff); Easy to do business with; Ease of contacting a case manager for new business; Ease of obtaining head office help for inforce business; Prompt and efficient claims processing; Overall problem solving capabilities.

16 Visit us at or denotes a trademark of The Equitable Life Insurance Company of Canada.

17 Choosing Equitable Life Equitable Life is represented by more than 10,000 independent producers serving Equitable Life policyholders across Canada.