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1. Repositioned Wealth Accumulator available

   Repositioned Equimax Wealth available now

   As we continue to grow to meet the needs of various market segments, our product options for your high net worth (HNW) clients have also been improved. Equimax Wealth Accumulator^® has been repositioned to meet the needs of your high net worth clients by providing more deposit room and competitive early cash values.

   Equimax Wealth is now repositioned for your high net worth clients

   Equimax Wealth Accumulator is now targeted for clients ages 45 to 65 with an insurance need but also looking for tax advantaged growth as an alternative to traditional investments. It allows your clients to achieve both while diversifying their portfolio and saving taxes, particularly for corporations.
   

   Highlights of the repositioned Equimax Wealth Accumulator:

   • More deposit room - Allows for significantly more deposit room by reducing the initial death benefit. This means more money can be paid into the policy to promote the tax-advantaged investment growth.
   • Higher early cash surrender values - We are more competitive on total cash value in years 1 to 10 in the target market ages of 45-65. The higher extra deposit room and early surrender cash value allows the illustration to show an earlier premium offset, which is key for the HNW market.
   • More competitive on life pay - Improvements to life pay more notable than 20 pay. Reduced premiums for most male and female non-smokers in our target market (ages 45-65) as well as 2, 3, and 4 year improvement in illustration of premium offset.
   • More competitive at older ages - A shift in the target market means you can support older clients in the HNW market. The Equimax Wealth Accumulator is now more competitive at ages 45-65.

   Learn more

   For full details on the transition, please see our transition rules.

   For more information on this product, please visit the Equimax page on Equinet.

2. Deposits to the Fidelity Special Situations mutual fund are being limited but the segregated fund is
   Fidelity Investments^® recently said they would no longer accept deposits from new investors into the Fidelity^® Special Situations Fund. This notice however does not affect Equitable Life^® clients.
   
   The Special Situations Fund will continue to be open to new and existing Equitable Life clients. This includes clients with Pivotal Select™, Pivotal Solutions* or Personal Investment Portfolio segregated funds contracts.
   
   Why is Fidelity limiting access to the mutual fund?
   This award-winning mutual fund has grown significantly and now has $3.6 billion of managed assets. To preserve the integrity of the fund’s investment strategy, Fidelity^® decided to limit inflows to the fund. Limiting the amount of managed assets held within the fund allows the fund’s portfolio manager to focus on what he does best - finding special situation investment opportunities and capitalizing on positive change within companies and industries across Canada and around the world.
   
   If you like the Special Situations mutual fund, you will value the Equitable Life Fidelity^® Special Situations segregated fund. Segregated funds are similar to mutual funds but offer different features and guarantees. To learn about these features, check out the Investment Advantage. To learn more about the Special Situations segregated fund, click here.
   
   
   For more information about Equitable Life’s segregated funds, speak to your Regional Investment Sales Manager or visit our segregated funds page on EquiNet^®.
    
   References:
   Fidelity’s press release announcing the limited fund closure
   Fidelity^® Special Situations portfolio management strategy, webinar featuring Mark Schmehl, Portfolio Manager.

   
   
   *No Load, Deferred Sales Charge, Pivotal Solutions II
   ® or ™ denotes a trademark of The Equitable Life Insurance Company of Canada, except as noted below.
   Fidelity and Fidelity Investments are registered trademarks of 483A Bay Street Holdings LP. Used with permission.

3. Individual Insurance product enhancements

   Equitable Life has exciting product enhancements that will help you offer more options to clients. 
   
   Watch our Virtual Product Launch NOW. Grab a coffee and get ready for this exciting news! Hear from our leaders and learn about our exciting product enhancements.

   - Full Product Launch Video (approx. 20 minutes). 
   - Introduction video (View on Vimeo) / Product launch page 

   
   Highlights of the product changes effective February 12, 2022, include:

    

   NEW! 10 pay premium option with Equimax Estate Builder^®

   - The new EquiLiving® 20 pay rider options will be available on Equimax^® plans

   
   NEW! EquiLiving plans and riders enhanced with:

   - 20 pay options with coverage to age 75 or coverage for life
   - Support from Cloud DX to help monitor a client’s well-being from treatment to recovery.
   - Added Acquired Brain Injury as a covered critical condition 
   - 30-day survival period removed for all non-cardiovascular covered conditions
   - No age restriction to claim for Loss of Independent Existence (LOIE)
   - EquiLiving Benefit now pays the higher of the EquiLiving Benefit or the Return of Premium Rider Benefit (not including Return of Premium on Death)          
   - And so much more …
   
   New Illustration software available on February 11, 2022 
   The updated illustration software will be available for download after 9 a.m. ET on Friday, February 11, 2022, and will include all the Equimax and EquiLiving enhancements.
   
   See the Equitable Sales Illustrations Update for information on how to download the software or check for updates. 
   
   Please review updates to the commission schedule A for these new enhancements.
   
   Learn more
   • Transition rules are available
   • Watch our virtual launch event video now! (Approx. 20 minutes),
   • Watch our product launch intro video here. Watch on Vimeo
   • Visit our launch event page with product change details and more
   • Marketing Materials
   Get ready to make 2022 your best year yet for your sales! 
   
   Please contact your Regional Sales Manager for more information. 
4. Product Enhancements - Critical Illness Equitable Life has exciting product enhancements that will help you offer more options to clients. 
   
   Access our Virtual Product Launch NOW. Grab a coffee and get ready for this exciting news! Hear from our leaders and learn about our exciting product enhancements.
   
   NEW! EquiLiving plans and riders enhanced with:
   • 20 pay options with coverage to age 75 or coverage for life
   • Support from Cloud DX to help monitor a client’s well-being from treatment to recovery.
   • Added Acquired Brain Injury as a covered critical condition 
   • 30-day survival period removed for all non-cardiovascular covered conditions
   • No age restriction to claim for Loss of Independent Existence (LOIE)
   • EquiLiving Benefit now pays the higher of the EquiLiving Benefit or the Return of Premium Rider Benefit (not including Return of Premium on Death)
   • And so much more …
   New Illustration software available on February 11, 2022 
   The updated illustration software will be available for download after 9 a.m. ET on Friday, February 11, 2022, and will include all the Equimax and EquiLiving enhancements.
   
   See the Equitable Sales Illustrations Update for information on how to download the software or check for updates. 
   
   Please review updates to the commission schedule A for these new enhancements.
   
   Learn more
   • Transition rules are available
   • Watch our virtual launch event video now! (Approx. 20 minutes)
   • Watch our product launch intro video here
   • Visit our launch event page with product change details and more here
   • Marketing Materials
   Get ready to make 2022 your best year yet for your sales! 
   
   Please contact your Regional Sales Manager for more information. 
5. Product Enhancements - 10 Pay Equitable Life has exciting product enhancements that will help you offer more options to clients. 
   
   Access our Virtual Product Launch NOW. Grab a coffee and get ready for this exciting news! Hear from our leaders and learn about our exciting product enhancements.
   
   NEW! 10 pay premium option with Equimax Estate Builder®
   • The new EquiLiving® 20 pay rider options will be available on Equimax® plans
   New Illustration software available on February 11, 2022 
   The updated illustration software will be available for download after 9 a.m. ET on Friday, February 11, 2022, and will include all the Equimax and EquiLiving enhancements.
   
   See the Equitable Sales Illustrations Update for information on how to download the software or check for updates. 
   
   Please review updates to the commission schedule A for these new enhancements.
   
   Learn more
   • Transition rules are available
   • Watch our virtual launch event video now! (Approx. 20 minutes)
   • Watch our product launch intro video here
   • Visit our launch event page with product change details and more here
   • Marketing Materials
   Get ready to make 2022 your best year yet for your sales! 
   
   Please contact your Regional Sales Manager for more information. 
6. EquiLiving offers more options to clients facing a covered Critical Illness condition Consider these statistics…1 in 2 Canadians will develop cancer in their lifetimes¹. They’re just numbers…until the day someone you know is diagnosed, someone who didn’t see it coming. Then it becomes very real - no longer incidence statistics, but costs. Today more people than ever are surviving and living with not only just the physical, but also the financial effects of their illness.
    
   We’re there to help when illness strikes
   
   NEW! EquiLiving® plans and riders have recently been enhanced including:
   
   ●  20 pay options with coverage to age 75 or coverage for life
   ●  Support from Cloud DX to help monitor a client’s well-being from treatment to recovery.
   ●  Added Acquired Brain Injury as a covered critical condition 
   ●  30-day survival period removed for all non-cardiovascular covered conditions
   ●  No age restriction to claim for Loss of Independent Existence (LOIE)
   ●  EquiLiving Benefit now pays the higher of the EquiLiving Benefit or the Return of Premium Rider Benefit (not including Return of Premium on Death)
   ●  And so much more …
   
   Learn more
   ●  CI product enhancement video
   ●  Visit our launch event page with product change details and more
   ●  Marketing Materials
   
   Please contact your Regional Sales Manager for more information. 
    
   1 www.cancer.ca
    
7. New 350 Life and CI Applications

   On August 2^nd, 2023, Equitable Life^® will be updating the privacy and legal sections on some forms. This includes the form 350 Paper Application for Life and/or Critical Illness Insurance. This change will also be applied on our websites and our online application EZComplete^®. These changes are part of Bill 64. The Bill is about the protection of personal and private information in Quebec. This will take effect on September 1^st, 2023.
   
   Due to this change, we ask all advisors to use the latest version dated May 2023 of the paper application after August 2^nd. Applications in Quebec must use the lastest version from September 1, 2023 onwards. 
   
   For all regions outside Quebec, we will support a transition period from ‘old’ to ‘new’ applications until December 31^st, 2023. After this date, we will no longer accept older versions of our Life and Critical Illness application.
   
   
   
   
   
   
   
   
   To make sure you are using the latest version of the application, check the date on the title page. It should say May 2023. See the image below:
   
   
   
   To order paper copies, click here.
   
   Email completed applications to supply@equitable.ca.
   
   To learn more about Bill 64, please visit Assemblee nationale du Quebec - Bill 64. You may also contact your wholesaler.
   
   ^® denote a registered trademark of The Equitable Life Insurance Company of Canada.

8. See why choosing EquiLiving Critical Illness Insurance is the right choice for Ayo’s family
   Ayo’s just returned from maternity leave. Her baby David and her husband are the most cherished people in her life. 
   
   But a neighbour’s cancer diagnosis leaves her wondering how she can protect her family if a serious illness were to affect them. 
   
   Learn why Ayo decided EquiLiving^_® Critical Illness insurance was the right choice for her family.
   
   Watch our new Critical Illness with Equitable Life of Canada video to learn more. View on Vimeo or YouTube.
   
   You can use this video to send to clients before or after meetings to help them understand the benefits of Critical Illness Insurance. Check out our prospecting letter, that you can personalize and send to your clients to tell them about Critical Illness Insurance. 
   
   Plus, visit our Critical Illness product page, then click on the Marketing Materials tab for the latest Critical Illness marketing materials.
   
   Need more information? Please contact your local wholesaler.
   
   
   
   View on Vimeo or YouTube.
   
   
    
   
   ^® and ™ denotes trademarks of The Equitable Life Insurance Company of Canada.
9. Clients could win $8,000 with an Equitable Life FHSA!

   
         

   
   The Equitable Life^® First Home Savings Account (FHSA) is available!  

   
   Offered on Pivotal Select™ Investment Class (75/75) and Pivotal Select Estate Class (75/100), this is a great opportunity to help clients achieve their dream of home ownership. 

   
   Clients who open a FHSA between September 11 and December 31, 2023, have a chance to win $8,000 towards their 2024 FHSA contribution.  And the advisor wins $2,000!   

   
   Help make a client’s dream of homeownership a reality, starting today!   

   
   To open a FHSA for clients, log into EZcomplete, our highly rated online application tool. It is easy to use, convenient, and fast.  

   
   For more information on FHSA, including an FAQ and client materials, visit EquiNet or contact your Regional Investment Sales Manager.  

    

   
   ® and ™ denotes a trademark of The Equitable Life Insurance Company of Canada. 

   Equitable Life FHSA Contest: No purchase necessary. Contest period September 11 to December 31, 2023.  Enter by making a deposit to an Equitable Life FHSA during the contest period or by submitting a no-purchase entry. One prize for a total value of $8,000 CAD to be drawn on January 16, 2024, will be awarded. The servicing advisor for the policy to which the selected entrant made the deposit is also an eligible winner will receive a $2,000 CAD prize. For example, if an Equitable Life client is a winner of the $8,000 prize, the client’s servicing advisor wins a $2,000 prize.  Open to legal residents of Canada of the age of majority. Odds of winning depend on number of eligible Entries received during the Contest Period.  For full contest rules, including no-purchase method of entry, see full contest rules. 

   Posted September 11, 2023

10. Message from Equitable President and CEO Fabien Jeudy

    I’m pleased to share our new brand with you. It’s an expression of our renewed purpose and commitment to work together, with our partners, to focus exclusively on our clients, protecting today and preparing tomorrow.

    Our commitment to you

    The new Equitable^® brand signifies our focus on making it even easier to do business with us. To continuously refresh our products to meet the evolving needs of Canadians. And to strengthen our partnerships that enable growth and positive outcomes. The result is an uncompromising commitment to our clients, our partners, our advisors, and our people.

    A year of transitioning to our new brand

    Over the next year, we’ll make the transition away from our legacy look as our new look starts to emerge.  We’ll invest in building more brand awareness so that together we can help even more Canadians. What you should know is that no matter old or new, our commitment is always focused on our clients, together with our partners.

    Join us in the journey

    We’ll provide more details on the changes we’re making, and we welcome you to join in the journey. I encourage you to reach out to your Equitable point of contact or visit equitable.ca to learn more.
    
     
    Why Equitable? The Power of Together.  
    View video on Vimeo.
    
     
    Equitable’s New Logo.
    View video on Vimeo.
    
    
    Sincerely,
    Fabien Jeudy
    President and CEO