Equation Generation IV

LINKED INTEREST OPTION PERFORMANCE

LOW FEES

The following provides information on the past performance of the Linked Interest Options (LIOs) available with Equation Generation® IV Universal Life.

The below performance rates do not reflect the current LIO Administration Fees.

Linked Interest Options(L.I.O): As at October 31, 2024

LINKED INTEREST OPTION PERFORMANCE

WITH BONUS

The following provides information on the past performance of the Linked Interest Options (LIOs) available with Equation Generation® IV Universal Life.

The below performance rates do not reflect the current LIO Administration Fees.

Linked Interest Options(L.I.O): As at October 31, 2024

Past performance does not guarantee future results. Investment results will vary. Linked Interest Options are NOT Mutual Funds or Indexes: the policyholders are NOT acquiring units in an investment fund or other security. They are placing funds on deposit, earning interest, with the general funds of Equitable Life®. The Mutual Fund or Index being tracked may change at any time.

Notes: 

1. 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.
2. The Linked Interest Options’ interest earnings do not reflect the current Equation Generation® IV 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.
3. The interest earned for a Linked Interest Option can be either positive or negative depending on the performance of the applicable Index or Mutual Fund being tracked. A negative rate of return will result in a debit to the Account Value (negative interest). A positive return will result in a credit to the Account Value (positive interest). Example: If you have a value of $2,000.00 in one of the Index Interest Options and the index this option is tracking increases from 300.0 to 309.0 (a 3% increase), the value of your account will increase by the credited 3% interest to $2,060.00. On the other hand, if the index decreases from 300.0 to 288.0 (a 4% decrease), the value of your account will receive a debit of a negative rate of interest of 4% to $1,920.00.
4. “Since Inception” reflects the interest earnings since the Linked Interest Option became available with Equation®, Equation Generation® II, Equation Generation® III or Equation Generation® IV Universal Life, it does not reflect the actual inception date for the Mutual Fund or Index being tracked.
5. Inception Dates:

   Canadian Equity Index Interest Option	- November 14, 1994
   American Equity Index Interest Option	- October 13, 2000
   U.S. Technologies Index Interest Option	- October 13, 2000
   European Index Interest Option	- October 13, 2000
   U.S. Blue Chip Index Interest Option	- September 24, 2001
   Performance Fund Interest Option - Global	- November 1, 1995
   Performance Fund Interest Option - Canadian	- September 24, 2001
   Performance Fund Interest Option - Canadian Bond	- May 12, 2003
   Performance Fund Interest Option - Global Fixed Income	- May 12, 2003
   Performance Fund Interest Option - Canadian Value Stock	- May 12, 2003
   Performance Fund Interest Option - Large Cap Canadian Equity	- May 12, 2003
   Performance Fund Interest Option - Global Balanced	- May 12, 2003
   Portfolio Interest Option - Diversified Income	- June 14, 2004
   Portfolio Interest Option - Balanced Income	- June 14, 2004
   Portfolio Interest Option - Balanced Growth	- June 14, 2004
   Portfolio Interest Option - Growth	- June 14, 2004
   Portfolio Interest Option - Diversified Equity	- June 14, 2004

Equation Generation® IV universal life and the Linked Interest Options offered thereunder are not issued, sponsored, sold, or promoted by: Toronto Stock Exchange, STOXX Limited, (Dow Jones & Company Limited), Franklin Templeton Growth Fund Ltd., McLean Budden Limited or Mackenzie Financial Corporation. None of these entities make any representation or warranty, expressed or implied whatsoever regarding the advisability of selecting any Linked Interest Options, making any investment or acquiring the Contract. As such, none of these entities have any association, liability or responsibility with respect to the Contract. DJ Euro STOXX 50 and Dow Jones Industrial Average are trademarks of Dow Jones and Company, Limited.

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 Total Return Index (the “Nasdaq Indices”) 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 Index®, NDX®, Nasdaq-100®, and certain trade names of the Corporations and the use of the Nasdaq Indices 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 Indices.  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).

THE CORPORATIONS DO NOT GUARANTEE THE ACCURACY AND/OR UNINTERRUPTED CALCULATION OF THE NASDAQ INDICES OR ANY DATA INCLUDED THEREIN.  THE CORPORATIONS MAKE NO WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY LICENSEE, OWNERS OF THE PRODUCT(S), OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE NASDAQ INDICES OR ANY DATA INCLUDED THEREIN. THE CORPORATIONS MAKE NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIM ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE WITH RESPECT TO THE NASDAQ INDICES OR ANY DATA INCLUDED THEREIN.  WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL THE CORPORATIONS HAVE ANY LIABILITY FOR ANY LOST PROFITS OR SPECIAL, INCIDENTAL, PUNITIVE, INDIRECT, OR CONSEQUENTIAL DAMAGES, EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.

The S&P 500 Total Return Index and the S&P/TSX 60 Total Return Index (the “S&P 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.  S&P® and S&P 500®are trademarks of the S&P Global or its affiliates and have been licensed for use by SPDJI and The Equitable Life Insurance Company of Canada.  Equation Generation® IV universal life and the Linked Interest Options offered thereunder 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 S&P Indices.