From whole life plans to income protection and group benefits, UB Trust Insurance Services builds cover around your family, your business and your future.
Permanent cover with a savings side you direct. Choose guaranteed interest accounts, or options that follow stock markets in Canada, the United States and Europe.
These charts use figures published by Equitable Life of Canada, to year-end 2025. They show history, which is useful evidence and never a promise.
Whole life
Equitable's dividend scale interest rate has stayed above 6% since 1989
The rate Equitable uses to set dividends on participating whole life policies, compared with 5-year GICs and Government of Canada bonds.
6.40%Dividend scale interest rate, effective July 1, 2026
6.05%Lowest rate in the period, 1989 to 2025
3.67%5-year GIC rate at year-end 2025
Dividend scale interest rate5-year GICGovernment of Canada 5 to 10 year bonds
View the figures as a table
Dividends are not guaranteed and are paid at the sole discretion of Equitable's Board of Directors. The dividend scale interest rate is one factor used to set dividends. It is smoothed, gross of expenses, and is not the return on a policy. Past performance is not indicative of future performance.
Universal life
Five market options, year by year
Equitable's universal life plans offer five index options that follow major stock markets, and you can hold more than one. Pick an option to see its record for the last ten calendar years.
Up yearDown year
View the figures as a table
These figures follow each market index and do not include Equitable's annual administration fee (listed at 1.75% on its current universal life plan), so they are not the return on a policy. Interest on index options can be negative, and you are not investing directly in the index. Ten years is a short window: over a longer period the Canadian index fell 33.00% in 2008 and rose 35.05% in 2009. Past performance does not guarantee future results.
Source: The Equitable Life Insurance Company of Canada, dividend scale interest rate historical performance (form 1360, July 2026) and universal life linked interest option performance (reports as of October 31, 2026). Calendar-year figures are to December 31 and are updated here when Equitable publishes new ones. UB Trust Insurance Services is independent of Equitable.
For business owners
Turn payroll into tax-deductible benefits
The Canadian tax system lets incorporated businesses deduct the cost of group benefits. Structuring part of payroll as benefits can lower taxable income while giving your team real cover.
Example: a business paying $300,000 a year in payroll
Scenario
No change
$20K to benefits
$40K to benefits
Structured into benefits
$0
$20,000
$40,000
Payroll
$300K
$280K
$260K
Illustration only. Results vary based on tax rates and business structure. Speak with your accountant about your situation.
Lower taxable income
Group benefit premiums are a deductible business expense for incorporated companies.
Keep your best employees
Your team stays where they feel taken care of. Less turnover means lower hiring and training costs.
A professional brand
Insurance, dental, vision and retirement plans show candidates you run an established company.
Group benefits provided through ManulifeOne of Canada's largest insurance providers.
A client story
My client was 56 when he had a heart attack. He couldn't work while he recovered. His critical illness coverage paid $50,000, helping him support his family during that time.
His plan also included $100,000 in whole life and $400,000 in term life coverage.
Shared by Uday Brar. Coverage and claims are subject to policy terms.
How it works
Three steps to a plan
It starts with an email or a text. The info session is free and there is no obligation.
Email or text
Tell us what you want to protect: your family, your income, your children's education or your business.
Meet on Zoom or in person
We schedule an info session at a time that suits you and walk through the cover, the cost and what it does and does not include.
Put your plan in place
Uday handles the application with you and stays your contact as your life and business change.
Book an info session
Let's plan for your future today
Email or text first. Fill in the form and it writes the message for you. Uday will reply to schedule a Zoom call or an in-person info session.