QUALIFICATION PERIODJanuary 1, 2016 – December 31, 2017

QUALIFICATION REQUIREMENTS140,000 Conference Credits and20 settled policies

DESTINATIONIreland: Dromoland Castle – 3 nights

The Westin Dublin – 2 nights

CONFERENCE DATESApril 14 – 20, 2018

EQUITABLE LIFE’S 2018 MGA ADVISORS’ CONFERENCE

Equitable Life of Canada is pleased to invite you to qualify for our 2018 MGA Advisors’ Conference

in the Republic of Ireland. This conference is our opportunity to reward your loyalty and celebrate

your outstanding success.

Starting January 1, 2016 you will have two years to be eligible to receive an invitation to attend

this memorable conference.

Thank you for continuing to make Equitable Life your first choice for

providing financial security to your clients.

IRELAND . . . MYSTICAL. MAGICAL. MEMORABLE.

Ron Beettam

President & CEO Judy Williams

VP, Savings & Retirement Karen Mason

Senior VP, Individual

MYS T ICAL.DROMOLAND CASTLE

You’ll arrive in Dublin and will be shuttled

through the scenic countryside to the historic

Dromoland Castle in County Clare. Your 3

night stay will give you ample opportunity to

experience the mystery of staying in a luxury

5-star castle hotel that dates back to the 16th

century. Set on 450 acres of parkland in the

peaceful Clare countryside, the sprawling

Estate has much to offer, including golf,

clay shooting, archery, hawking and more.

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MAGICAL.During your stay you will explore the many

unique and scenic areas of Ireland and take in

the rich history of this magical country. Your

adventures will include many enchanting sites

such as Bunratty Village and castle, Cliffs of

Moher, Galway Bay to name just a few. And you

may even have time to raise a pint in the famous

Durty Nelly’s public house, established in 1620 -

the oldest pub in Ireland!

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MEMORABLE .THE WESTIN DUBLIN HOTEL

Located on its own city block in downtown Dublin, The Westin

Dublin is in the perfect location to explore Ireland’s capital city.

Formerly the Allied Irish Bank, this historic building has been

transformed into a luxury 5-star hotel. Located only steps

away from the Cultural Quarter, as well as the famous shops of

Grafton Street, the hotel is also within easy walking distance

of Dublin’s business and financial district. You’ll spend two

nights in this magnificent hotel before ending your memorable

experience in this mystical, magical country.

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HOW TO QUALIFY

TWO-YEAR QUALIFICATION PERIOD

January 1, 2016 - December 31, 2017

QUALIFICATION REQUIREMENTS

140,000 Conference Credits and

20 settled policies

Policies must be settled between January 1, 2016 and December 31, 2017.

HOW CONFERENCE CREDITS ARE AWARDED

TOP 6 RECOGNITION

Our top 6 Individual Advisors are rewarded for their excellence in business. In 2018

they will arrive in Dublin a day early to attend a special dinner in their honour, hosted

by Equitable Life’s senior executives.

TOP 6 CATEGORIES*

1. Top Overall Advisor

2. Top Life & Health sales

3. Top Investment sales

4. Top Western Region sales

5. Top Eastern Region sales

6. Top Combined sales

(Life & Health/Investment sales)

*Based on Conference Credits

ELIGIBLE PRODUCTS CONFERENCE CREDITS

Individual Life & Health products

Term, Whole Life, Universal Life and Critical Illness 1 credit per $1 of NAFYC*

Investment products

GIAs and Payout Annuities 0.50 credit per $1 of NAFYC on new deposits

All Segregated Fund products 1 credit per $40 of new deposits

* Net annualized first year commissions

EQUINET RESOURCES

For easy access to your total Conference Credits, full Conference Rules and qualifications, and other important conference information, login to EquiNet at http://advisor.equitable.ca/ advisorhome/ and click on the link for Events / Conferences in the Online Tools & Information menu.

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ELIGIBILITY1. Meeting the minimum qualification requirements

makes Individual Advisors eligible to receive an

invitation to Conference, subject to Equitable

Life’s discretion as outlined in these Conference

Rules. Once an advisor has qualified, attendance

of the advisor and spouse/guest is by invitation

only from Equitable Life (at company expense). It

is not a contractual right and invitations are not

transferrable. A qualifier who is unable to attend

or chooses not to attend the Conference will not

receive a substitute award or cash payment in lieu

of attending the Conference nor can they name a

substitute to attend in their place.

2. Eligibility is based on Individual Advisor Business.

Individual Advisor is a person who has a

Producer’s Agreement with Equitable Life, under

which sales credits are allocated to the identifiable,

singular Advisor and tracked accordingly. MGA

principals doing business as an Individual Advisor

may be eligible to be invited to this Conference

provided they meet the minimum qualification

requirements as outlined in this booklet and these

Rules.

3. Qualifiers must 1) be licensed, and have errors and

omissions insurance in those jurisdictions where

required, 2) have an active Producer’s Agreement

with Equitable Life on the date of the Conference,

3) be in good standing with Equitable Life, and 4)

comply with all provincial and federal regulations,

as well as Equitable Life rules and standards of

ethics and conduct.

4. Equitable Life reserves the right to determine in

its sole and absolute discretion, which Individual

Advisors it will invite to the Conference and if

the invitation for that Individual Advisor and/

or their guest should be cancelled, regardless of

the Individual Advisor satisfying the qualification

and eligibility requirements. The refusal or

cancellation of an invitation may be for any

reason whatsoever, including without limitation,

compliance or conduct review or investigation,

outstanding debt obligations, poor persistency

prior to, during or following the qualifying period,

Producer’s Agreement not in good standing, non-

compliance with legislation or Equitable Life rules

and standards of ethics and conduct, or it would,

in Equitable Life’s sole and absolute discretion, be

inappropriate for the Individual Advisor to attend

the Conference.

5. Individual Advisors are responsible for disclosing

to clients any aspect of their participation in

Equitable Life’s MGA Advisors’ Conference

qualification and their attendance at Conference,

should they attend. Advisors who are invited to

attend must provide Equitable Life with a copy of

the disclosure document used with their clients.

CONFERENCE GUESTS6. Individual Advisors who receive an invitation to

attend Conference are permitted to bring one

guest. Conference guests can include spouse,

partner or adult family member. Conference

guests are subject to approval by Equitable Life.

Children are not permitted at the Conference

or on conference premises. The Equitable Life’s

MGA Advisors’ Conference is designed to build

peer and Company relationships. Attendance and

participation in the Conference activities by the

Advisors and their spouse/guest contributes to

this goal through professional interaction by all

those attending.

TOP 6 RECOGNITION7. Top 6 Qualifiers based on the Top 6 Categories

will be invited to arrive in Ireland a day early

to attend a special dinner with Equitable Life

Senior Executives. Their achievements will also

be recognized in the conference program. An

Individual Advisor can qualify for only one

category. If an Individual Advisor qualifies for more

than one category, the next place finisher will

be selected. For the Top Combined Sales (Life/

Investments) under the Top 6 Categories, at least

35% of settled business must come from each of

these two product lines.

QUALIFYING FOR CONFERENCE8. Two-year Qualification Period is January 1, 2016 to

December 31, 2017.

9. Only business submitted under an Individual

Advisor code is eligible. Pooled business or

business under joint codes is not eligible.

10. The number of Conference Credits and settled

policies required to qualify and the allocation of

Conference Credits are outlined in this booklet

and these Rules.

11. Conference Credits are based on net annualized

first year commissions (NAFYC) for Individual

Life and Health and new GIA and Payout Annuity

deposits. For Segregated Fund products,

Conference Credits are based on the amount of

new deposits. Please see Rule 15 for details.

12. For new Individual Life and Health Insurance and

Investment sales, Conference Credits are based

on Net Settled Business as shown on Equitable

Life produced statements.

CONFERENCE RULESE

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13. Individual Advisors must have a total persistency

index1 of at least 85% on their Individual Life and

Health insurance business.

14. For Individual Life cases administered under the

Large Case Commission rules, Conference Credits

will be allocated in the same manner as commissions

credited to the Individual Advisor’s account.

15. Conference Credits on investment products are

earned on new deposits only for business known

as “Non-Participating Investment Plans”, such as

Segregated Funds, Immediate Annuities, Guaranteed

Interest Accounts, RRIFs, and LIFs, etc. New deposits

mean new money deposited into a Plan, or a transfer

of money within a Plan into Segregated Funds

provided the money being transferred has been out

of Segregated Funds for at least one year prior to

transfer into Segregated Funds.

16. Policies settled on the Individual Advisor’s life or the

lives of their immediate family members in the last

three months of the Conference Qualification Period

are excluded and will not count toward Conference

Credits or policies settled. This includes a policy

where the life insured, beneficiary, payor or owner is

the Individual Advisor. Immediate family members

include spouse/ life partner, children and spouse/

life partner’s children; however, Equitable Life’s

determination of who is an immediate family member

will apply.

17. Policies settled in the last three months of the

Conference Qualification Period must still be inforce

at the time of the Conference.

18. Conference Credits cannot be transferred from one

Individual Advisor to another Individual Advisor

under any circumstances.

19. No Conference Credits are given for bonuses or

overrides. Any chargebacks resulting from policies

terminating during the Conference Qualification

Period and between the end of the Conference

Qualification Period and the time of the Conference

will be deducted from the Individual Advisor’s

Conference Credits. This applies to all policies

settled prior to the qualifying period and during the

qualifying period.

20. All records with respect to qualification and eligibility

are maintained by Equitable Life at its Head Office

and are deemed to be accurate and conclusive.

All decisions made by Equitable Life are final and

binding.

21. By accepting an invitation from Equitable Life

to attend the Conference, the Individual Advisor

grants Equitable Life the right to publish their

name, province of residence and MGA association

in Conference materials, in standings order and be

recognized as a Top Performer or Top 6 Qualifier, if

applicable.

22. Equitable Life reserves the right to amend, at any

time, the rules, requirements, terms or conditions

set out in this document, as well as the event, event

location and itinerary. Should a matter arise which

is not addressed in this document, the decision of

Equitable Life shall be final.

CONTINUING EDUCATION CREDITS23. Participation in Conference business sessions may be

eligible for continuing education credits.

TAXATION

24. Equitable Life will pay for authorized transportation,

accommodation, and all organized Conference

functions. Income Tax regulations require that

a portion of each attendee’s cost to attend the

Conference is reportable for tax purposes. As a result,

Equitable Life will issue T4A slips for the 2018 tax

year. The amount reported will depend on actual

costs incurred. Following the Conference, a T4A will

be issued to the Individual Advisor based on these

Conference expenses for them and their spouse/

guest that include air and ground transportation,

accommodation, meals, cash allowances or any

other prizes or benefits. A letter will be provided that

details the taxable benefit breakdown, including the

basic Conference attendance.

1 For Individual Life and Health Products, Persistency Index measures the percentage of policies that have remained inforce for at least 36 months as of the end of the Conference Qualification Period. Included in the calculation are all individual life and health products issued during the period from January 1, 2015 to December 31, 2017 and any terminations of those policies. The following items are not considered terminations for the purpose of this calculation: involuntary claims such as death claims and critical illness claims, term conversions, maturities and expiries, premium waiver, rescinded and not taken policies. The formula is: persistency index = (count of policies issued - count of terminations) ÷ count of policies issued.

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AN IRISH BLESSING

May the road rise up to meet you. May the wind be always

at your back. May the sun shine warm upon your face, the

rains fall soft upon your fields and until we meet again,

may God hold you in the palm of his hand.

WHY IS EQUITABLE LIFE THE RIGHT CHOICE FOR YOU AND YOUR CLIENTS?

AT EQUITABLE LIFE WE PUT YOU AND YOUR

CLIENTS FIRST

Canadians have turned to Equitable Life since 1920 to

protect what matters most. We work with you to offer

solutions that provide good value, and help you navigate

those solutions to meet the needs of your clients.

But we’re not your typical financial services company.

We have the knowledge, experience and ability to find

solutions that work for you and your clients. We’re friendly,

caring and interested in helping. And we’re owned by our

participating policyholders, not shareholders. So we can

focus on your interests and provide you with personalized

service, security and wellbeing.

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