LINKED INTEREST OPTION PERFORMANCE

The following provides information on the past performance of the underlying indices or funds being tracked through Equitable GenerationsTM universal life Linked Interest Options (LIOs). Past performance of the underlying index or fund does not guarantee future performance of the Linked Interest Option. 

Below performance rates do not reflect the current LIO Administration Fees.

Linked Interest Options(L.I.O): As at October 31, 2022


INDEX OPTIONS   Annual L.I.O. Admin. Fee 1m 6m 1y 2y 3y 5y 10y
American Equity Index
Currently tracking S&P 500® Total Return Index
  1.75% 6.69% 0.84% -5.89% 11.83% 11.56% 11.71% 16.36%
Canadian Equity Index
Currently tracking S&P/TSX 60® Total Return Index
  1.75% 5.65% -4.68% -4.04% 16.00% 9.47% 7.80% 8.46%
U.S. Technologies Index
Currently tracking NASDAQ 100® Total Return Index
  1.75% 2.65% -4.90% -20.06% 3.62% 14.46% 15.14% 20.72%


ESG INDEX OPTIONS   Annual L.I.O. Admin. Fee 1m 6m 1y 2y 3y 5y 10y
American Equity Index (ESG)
Currently tracking S&P 500® ESG Total Return Index
ESG ICON 1.75% 7.45% 1.16% -4.93% 13.02% 13.19% 13.05% 16.77%
Canadian Equity Index (ESG)
Currently tracking S&P/TSX® Comp ESG Total Return Index
ESG ICON 1.75% 4.59% -5.04% -6.43% 13.31% - - -
European Equity Index (ESG)
Currently tracking STOXX Europe 600 Paris-Aligned Total Return Index (ESG)
ESG ICON 1.75% 5.13% -8.30% -17.51% 2.74% 1.06% - -


MANAGED FUND OPTIONS–FIXED INCOME   Annual L.I.O. Admin. Fee 1m 6m 1y 2y 3y 5y 10y
Canadian Bond
Currently tracking Equitable Life Active Canadian Bond Fund Internal Linked
  0.00% -1.16% -3.66% -12.26% -8.54% -4.33% -1.64% -
Global Fixed Income
Currently tracking Invesco Global Bond Fund
  0.00% -0.51% -7.84% -15.26% -7.29% -3.49% -1.05% -


MANAGED FUND OPTIONS–DOMESTIC EQUITIES   Annual L.I.O. Admin. Fee 1m 6m 1y 2y 3y 5y 10y
Canadian Equity
Currently tracking Franklin Bissett Canadian Equity Fund
  0.00% 4.97% -3.26% 3.85% 17.91% 8.73% 5.30% 7.36%
Large Cap Canadian Equity
Currently tracking Dynamic Equity Income Fund
  0.00% 5.20% -3.84% -1.70% 14.07% 6.80% 6.58% 7.60%
Special Situations
Currently tracking Fidelity Special Situations Fund
  0.00% 6.44% -9.16% -17.08% 2.67% 12.64% 9.34% 14.21%


MANAGED FUND OPTIONS–FOREIGN EQUITIES   Annual L.I.O. Admin. Fee 1m 6m 1y 2y 3y 5y 10y
American Equity
Currently tracking Dynamic American Fund
  0.00% 7.23% 0.67% -11.02% -2.85% 2.77% 7.67% 11.30%
American Growth Equity
Currently tracking Fidelity US Focused Stock
  0.00% 5.12% -4.38% -18.21% 3.36% 10.19% 11.73% 14.79%
Global Equity
Currently tracking Templeton Growth Fund
  0.00% 6.76% -3.60% -11.06% 0.88% -0.79% -1.39% 6.21%
Global Innovators Equity
Currently tracking Fidelity Global Innovators® Class
  0.00% 2.93% -12.07% -28.31% -3.31% 16.68% - -
International Equity
Currently tracking Invesco International Companies Fund
  0.00% -3.60% -14.68% -33.53% -21.74% -9.58% -5.66% 5.16%


MANAGED FUND OPTIONS–BALANCED   Annual L.I.O. Admin. Fee 1m 6m 1y 2y 3y 5y 10y
Global Equity Balanced
Currently tracking Mackenzie Ivy Global Balanced Fund
  0.00% 3.12% -4.28% -11.41% -1.25% 0.96% 1.95% 6.42%


MANAGED FUND OPTIONS–SUSTAINABLE INVESTMENT   Annual L.I.O. Admin. Fee 1m 6m 1y 2y 3y 5y 10y
Sustainable Balanced
Currently tracking Fidelity Climate Leadership Balanced Fund™
ESG ICON 0.00% 1.07% -7.47% -22.71% - - - -
Sustainable Bond
Currently tracking Fidelity Climate Leadership Bond Fund™
ESG ICON 0.00% -1.01% -10.41% -20.95% - - - -
Sustainable Equity
Currently tracking Fidelity Climate Leadership Fund™
ESG ICON 0.00% 2.39% -5.92% -24.38% - - - -


PORTFOLIO OPTIONS   Annual L.I.O. Admin. Fee 1m 6m 1y 2y 3y 5y 10y
Balanced Growth Portfolio
Currently tracking Franklin Quotential Balanced Growth Portfolio
  0.00% 2.50% -3.81% -11.02% 0.90% 1.64% 1.60% 4.56%
Balanced Income Portfolio
Currently tracking Franklin Quotential Balanced Income Portfolio
  0.00% 1.28% -4.00% -11.49% -1.95% -0.18% 0.59% 3.26%
Canadian Balanced Portfolio
Currently tracking Equitable Life Active Balanced Portfolio Select
  0.00% 2.50% -4.38% -10.09% 1.26% 0.14% 1.30% -
Canadian Neutral Portfolio
Currently tracking Equitable Life Active Balanced Income Portfolio Select
  0.00% 2.03% -4.73% -10.00% 0.61% -0.19% 1.01% -
Diversified Equity Portfolio
Currently tracking Franklin Quotential Diversified Equity Portfolio
  0.00% 4.91% -3.23% -13.38% 2.97% 4.19% 3.47% 7.47%
Diversified Income Portfolio
Currently tracking Franklin Quotential Diversified Income Portfolio
  0.00% 0.43% -3.55% -11.28% -4.05% -1.52% -0.12% 2.03%
Global Equity Portfolio
Currently tracking Equitable Life Active Balanced Growth Portfolio Select
  0.00% 3.63% -4.15% -9.61% 3.98% 1.85% 2.39% -
Growth Portfolio
Currently tracking Franklin Quotential Growth Portfolio
  0.00% 3.71% -3.62% -10.51% 3.87% 3.50% 2.67% 5.84%


TARGET DATE OPTIONS   Annual L.I.O. Admin. Fee 1m 6m 1y 2y 3y 5y 10y
Target Date 2035
Currently tracking Fidelity ClearPath® 2035 Portfolio
  0.00% 2.28% -6.06% -15.62% 0.67% 1.92% 2.45% 6.40%
Target Date 2040
Currently tracking Fidelity ClearPath® 2040 Portfolio
  0.00% 2.98% -6.12% -16.02% 2.60% 3.26% 3.27% 7.02%
Target Date 2045
Currently tracking Fidelity ClearPath® 2045 Portfolio
  0.00% 3.31% -6.08% -16.08% 2.86% 3.45% 3.38% 7.18%
Target Date 2050
Currently tracking Fidelity ClearPath® 2050 Portfolio
  0.00% 3.31% -6.08% -16.09% 2.85% 3.44% 3.38% -
Target Date 2055
Currently tracking Fidelity ClearPath® 2055 Portfolio
  0.00% 3.31% -6.09% -16.10% 2.83% 3.42% 3.37% -
Target Date 2060
Currently tracking Fidelity ClearPath® 2060 Portfolio
  0.00% 3.31% -6.09% -16.11% 2.81% 3.41% - -


ESG ICON  Sustainable Investments include investments that intend to apply one or more ESG (Environmental, Social and Governance) principles in their investment strategy.

 

The above reflects past performance of the underlying index or fund, not the Linked Interest Option. Past performance does not guarantee future results. Investment results will vary. 

For more information, please see document titled Universal Life Savings & Investment Options

Notes:


Values under 1 year reflect the actual percentage change for the period in question. All values shown for reporting periods of 1 year or greater reflect average annual compound rates of return.

Linked Interest Options are NOT mutual funds, segregated funds, indices, or any other kind of investment fund: the policyholders are NOT investing in or acquiring units in an investment fund or other security. Funds are placed on deposit, earning interest, with the general funds of Equitable Life®. Policyholders may be credited positive or debited negative interest depending on the performance of the underlying fund or index being tracked. The underlying fund or index being tracked may change at any time. Linked Interest Option administration fees will apply.

The linked interest options available with the Equitable Generations universal life insurance policy offer exposure to both equity and fixed income markets. While linked interest options may provide the potential for greater rates of return over the long term, there is an inherent risk in selecting them as investment options. Unlike the daily interest account or the guaranteed deposit accounts where there are guarantees with respect to the credited interest rates, investments in the linked interest options are NOT GUARANTEED. It is possible to receive negative interest, which will result in a decrease to account value. Policyholders should ensure that there are always sufficient funds to cover the monthly charges, including cost of insurance, administration and any riders and benefits. Interest earnings shown above do not reflect the current Equitable GenerationsTM Linked Interest Option Administration Charges. The Linked Interest Option Administration Charges must be taken into consideration when determining interest credited or debited to the policy. Please see the policy contract for details.

Equitable Generations® universal life insurance is not issued, sponsored, sold, or promoted by: Toronto Stock Exchange, the McGraw-Hill companies, Inc., Franklin Templeton Investments, Mackenzie Financial Corporation, 1832 Asset Management LP, Invesco Canada Ltd or Fidelity Investments Canada ULC. None of these entities or their affiliates make any representation or warranty, expressed, or implied whatsoever regarding the advisability of selecting any Linked Interest Options, making any investment with The Equitable Life Insurance Company of Canada, or acquiring an Equitable Generations universal life insurance policy. As such, none of these entities have any association, liability, or responsibility with respect to the policy.

Equitable Life, Equitable Life of Canada, and Equitable Generations are trademarks of The Equitable Life Insurance Company of Canada.

NASDAQ - The Product(s) is not sponsored, endorsed, sold or promoted by Nasdaq, Inc., or its affiliates (Nasdaq, with its affiliates, are referred to as the “Corporations”). The Corporations have not passed on the legality or suitability of, or the accuracy or adequacy of descriptions and disclosures relating to, the Product(s).  The Corporations make no representation or warranty, express or implied to the owners of the Product(s) or any member of the public regarding the advisability of investing in securities generally or in the Product(s) particularly, or the ability of the Nasdaq-100 ESG Index™, and Nasdaq-100 ESG™, NASDAQ 100® Total Return Indexes, to track general stock market performance. The Corporations' only relationship to The Equitable Life Insurance Company of Canada (“Licensee”) is in the licensing of the Nasdaq®, Nasdaq-100 ESG Index™, and Nasdaq-100 ESG™, NASDAQ 100® Total Return Index, and certain trade names of the Corporations and the use of the index, which is determined, composed, and calculated by Nasdaq without regard to Licensee or the Product(s).  Nasdaq has no obligation to take the needs of the Licensee or the owners of the Product(s) into consideration in determining, composing or calculating the Nasdaq-100 ESG Index™, and Nasdaq-100 ESG™, NASDAQ 100® Total Return Indexes.  The Corporations are not responsible for and have not participated in the determination of the timing of, prices at, or quantities, of the Product(s) to be issued or in the determination or calculation of the equation by which the Product(s) is to be converted into cash. The Corporations have no liability in connection with the administration, marketing, or trading of the Product(s).

Fidelity is a registered trademark of 483A Bay Street Holdings LP. Used with permission.

Dynamic Funds is a registered trademark of its owner, used under license, and a division of 1832 Asset Management L.P.

Invesco® and all associated trademarks are trademarks of Invesco Holding Company Limited, used under licence.  Invesco is a registered business name of Invesco Canada Ltd.

S& P - The S&P 500® Total Return Index, S&P/TSX® 60 Total Return Index, S&P 500® ESG Total Return Index, S&P/TSX® Comp ESG Total Return Index (the “Underlying Funds/Indices”) are products of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and S&P Global or its affiliates and has been licensed for use by The Equitable Life Insurance Company of Canada.  Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by The Equitable Life Insurance Company of Canada. The American Equity Index, Canadian Equity Index, American Equity Index (ESG), Canadian Equity Index (ESG) Linked Interest Options under Equitable Life’s Equitable Generations universal life insurance product are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, or S&P Global or its affiliates and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the Underlying Funds/Indices.