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1. Equitable’s New Brand – The Power of Together!

   On November 1, 2023, we unveiled our new brand and announced the shortening of our brand name to Equitable^®. The rebranding includes a fresh new look, and a forward-looking vision for the future – one that honours our 103-year history and our unwavering commitment to clients.

   As we start 2024 with a renewed sense of purpose and commitment to clients, together with you, we are more determined than ever to provide more value and impact – to protect today and prepare tomorrow for our clients.

   “At Equitable, we champion the power of togetherness. It’s a mindset that drives our behaviours, decisions, and actions to power equitable outcomes for our clients, advisors, and partners,” said Fabien Jeudy, President, and CEO, Equitable.
   
   
   
   
   
   
   
   
   
   
   View the Power of Together video to learn more about Equitable’s renewed purpose and dedication to clients:

    
   View on Vimeo
   
   Questions about our new brand? Please contact your Equitable wholesaler or visit equitable.ca.
   
   
    ^® or ^TM denotes a trademark of The Equitable Life Insurance Company of Canada.
2. January 2026 eNews

   In this issue:

   Meet the next generation of myFlex Benefits® for small business
   Coming soon: A consistent login experience for Equitable Client Access® and EquitableHealth.ca®
   QDIPC updates terms and conditions for 2026*

   *We will share this content with your clients.

    

   Meet the next generation of myFlex Benefits® for small business

   
   Discover the newly enhanced myFlex Benefits®— Equitable’s game-changing solution for small businesses that now includes more flexible, affordable coverage options shaped by advisor feedback.

    

   Join our virtual session to see how myFlex Benefits can help your clients grow and thrive.
   
    

   Webinar: How to grow your block with flexible solutions
   Tuesday, Feb. 3 | 10–11 a.m. PT / 1–2 p.m. ET
   Register here

    

   The session will be held in English only.

    

   Coming soon: A consistent login experience for Equitable Client Access and EquitableHealth.ca

    

   Starting this month, users logging in to Equitable Client Access®, the secure website for our Individual Insurance and Wealth clients, will need to enter their email address instead of a username. This change will make the Client Access login experience easier and even more secure.

    

   Streamlining the login experience for group benefits clients

    

   When this change takes effect, clients who use the same email address to log into Client Access and EquitableHealth.ca will use one password for both sites.

    

   If a client updates their password on one site, the password for the other site will also automatically update—so they’ll always use the same credentials for both platforms.
    

   Clients who can’t remember the email address we have on file can click ‘Forgot email’ on the Client Access login page.

    

   For added security, a client logging into Client Access may be prompted to enter a one-time code that’s sent to them via email before they can log in.

    

   We will inform clients who have Client Access and EquitableHealth.ca accounts about these changes via email.

    

   Safer, simpler account access

    

   Logging in doesn’t need to include a password. Clients can save time logging in to Client Access and EquitableHealth.ca by creating a passkey.

    

   Passkeys use a person’s face or fingerprint to quickly authenticate their identity – adding an extra layer of protection to their account and eliminating the need to enter a password. And by logging in to the Client Access site with a passkey, clients won’t be asked to enter a one-time code.

    

   Creating a passkey is easy. The following video shows group benefits clients how to create a passkey to log in to EquitableHealth.ca.

    

   Clients who use the same email address to log into Client Access and EquitableHealth.ca will be able to use the same passkey to access both sites. If someone has registered for both sites with different email addresses, they’ll need to create separate passkeys.

    

    

   QDIPC updates terms and conditions for 2026

    

   Every year, the Quebec Drug Insurance Pooling Corporation (QDIPC) reviews the terms and conditions for the high-cost pooling system in the province. Based on its latest review, QDIPC is revising its pooling levels and fees for 2026 to reflect trends in the volume of claims submitted to the pool, particularly catastrophic claims. We will apply the new pooling levels and fees to future renewal calculations that involve Quebec plan members.

    

   Please note: QDIPC plans to redefine its group sizes in 2027. For more information on how group sizes will change in 2027, visit QDIPC's Terms and Conditions of Pooling.
   
   
   If you have any questions, please contact your Group Account Executive.

3. Equitable's Fresh Outlook DIA/GIA Contest

    

   CONGRATULATIONS to Immaculata A., Manitoba. Winner of the PRIZE of $1000.
    

   The contest is now over. Thank you to those who participated. 

    

    

   Win with Equitable’s Fresh Outlook DIA/GIA Contest 

   August 1 to October 31, 2024 

    

   ® or ^TM denotes a registered trademark of The Equitable Life Insurance Company of Canada.
   Fresh Outlook DIA/GIA Contest: No purchase necessary. Contest period is August 1, 2024 to October 31, 2024. One (1) prize to be awarded for a total value of $1,000 CAD. Correct answer to mathematical skill-testing question required to win. 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.

4. Secure your GIA rate with Equitable today! The Bank of Canada (BOC) recently cut its key interest rate for a second time this year to 4.5%. As inflation cools and the BOC hints at more interest rate cuts this year, the time has never been better to secure a Guaranteed Interest Account (GIA) rate.
   
   Equitable’s fresh client-focused approach to guaranteed investing means:
   • market leading interest rates¹, with even higher rates available for larger deposits,
   • a full suite of available account types including the First Home Savings Account, and
   • options to invest up to age 95².
   “This is a great opportunity for clients and advisors,” said Cam Crosbie, Executive Vice President of the Savings and Retirement Division at Equitable^®. “These are safe and secure investment solutions with potential for creditor protection, estate planning benefits, and so much more.”
   
   GIAs are simple fixed-income investment products that can provide increased choice and value to a client’s portfolio. Choosing Equitable provides competitive interest rates and protection from market volatility. For more information visit EquiNet^® and don’t forget to register for our interest rate change alert email.
   
   ¹ Equitable has made every effort to ensure accuracy of competitive information as of July 22, 2024. Accuracy is not guaranteed. 
   ² Some available term lengths may be limited starting at age 90.
   ^® or ™ denotes a trademark of The Equitable Life Insurance Company of Canada.  
   
   Posted August 15
5. Equitable's Fresh Outlook DIA/GIA Contest

   The recent launches of Equitable’s Daily Interest Account (DIA) and Guaranteed Interest Account (GIA) this summer have caused a bit of a buzz. So much so that we are launching Equitable’s Fresh Outlook DIA/GIA Contest.
   
   That’s right. To celebrate our fresh client-focused approach within a digital business solution, Equitable® is giving advisors a chance to win a prize of one $1,000 gift card.
   
   Between August 1, 2024 and October 31, 2024, every time advisors use Equitable’s EZcomplete® online application platform to submit a client's complete DIA/GIA application they will automatically be entered into the Fresh Outlook DIA/GIA Contest.
   
   Equitable is committed to offering valuable guaranteed investment solutions in a competitive market. Our fresh approach to guaranteed investing makes Equitable’s Daily Interest Account or Guaranteed Interest Account an easy choice.
   
   Speak to your Director, Investment Sales to learn more.
   
   ® or ^TM denotes a registered trademark of The Equitable Life Insurance Company of Canada.
   Fresh Outlook DIA/GIA Contest: No purchase necessary. Contest period is August 1, 2024 to October 31, 2024. One (1) prize to be awarded for a total value of $1,000 CAD. Correct answer to mathematical skill-testing question required to win. 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.

   
   Date posted: August 1, 2024
6. Equitable.ca gets a fresh new look
   We’re excited to introduce you to our refreshed Equitable.ca, marking another milestone in our ongoing commitment to elevate the Equitable brand and enhance your digital experience.  
   
   This upgrade is part of a broader initiative to update all our digital properties, making every interaction with Equitable easier, more intuitive, and more rewarding. 
   
   Our strengthened online presence is designed to reinforce our partnership with you and highlight the value of the independent advice you provide to Canadians.  
   By investing in these improvements, we’re driving brand awareness at a scale that’s unprecedented for our company. 
   
   We remain dedicated to making it simpler and more efficient to do business with us—today and into the future. Stay tuned for more updates as we continue to innovate and invest in your experience. 
7. New year tune-up for Equimax participating whole life

   It’s a new year and time for an Equimax^® tune up! We have made some exciting changes for new sales of Equimax Estate Builder^® and Equimax Wealth Accumulator^® effective February 11, 2023.

   
   These exciting enhancements make Equimax even more robust, simpler and cost effective, to ensure it continues to be the preferred participating whole life solution for clients and advisors alike.
   
   Watch our informative video to learn more.
    
   Check out our Equimax splash page for complete details on all the enhancements, our transition rules, and much more.
    
   
   
   
   
   
   
   
   
   What’s new?
   • All new children’s policies will now be issued as non-smoker for life – we will no longer request a non-smoker declaration for new children's policies.
   • We have also removed the policy fees on new Equimax sales, reducing total premium payments – allowing clients to buy even more coverage for the same payment.
   But there’s more to our Equimax tune-up!
   The following enhancements add more value, making it easier for you to recommend Equimax as your preferred whole life solution.
   • Monthly Excelerator Deposit Option(EDO) payments and EDO payments received off anniversary will now buy more paid-up additional insurance,
   • Dividends earned on EDO payment paid-up additions, and credited on the base policy, can now buy even more paid-up additions,
   • New clients now have the option to elect individual policies on joint last to die (JLTD) plans if their personal situation changes,
   • We have also changed the way we calculate monthly premiums – resulting in lower premium payments across the board,
   • And we have added our KIND™ benefit program to Equimax, as we did for our newest Generations Universal Life  solution last September – making it easier for families and beneficiaries at claim time.
   • And, finally, we are introducing some new sales illustration features, a Web-based software and more to help you market Equimax!
   Visit our splash page and watch our informative video to learn more and start selling the enhanced Equimax today.
    
   Plus, visit our Equimax product page on EquiNet^®, then click on the Marketing Materials tab for the latest Equimax marketing materials.
    
   Need more information? Please contact your local wholesaler.
    
    _{® and} ™ _{denotes a trademark of The Equitable Life Insurance Company of Canada.}
8. Equitable offers a fresh approach to guaranteed investing

   
   Please take a few minutes to watch the video.  
   
   
   Equitable’s Daily Interest Account and Guaranteed Interest Accounts offer a fresh client-focused approach within a digital business solution.  
   
   Clients will appreciate:  

   • • Market leading¹ interest rates with even higher rates available for larger deposits  

   • • A full suite of available account types including the First Home Savings Account, and 

   • • Options to invest up to age 95². 

   
   
   
   
   Advisors will value: 

   • Enhanced rate guarantees to secure the best rates available for clients, 

   • An easy digital application process using Equitable’s EZcomplete^® and, 

   • A simplified product design to save you time. 

   
   Equitable^® is committed to offering valuable guaranteed investment solutions in a competitive market. Our fresh approach to guaranteed investing makes Equitable’s Daily Interest Account or Guaranteed Interest Account an easy choice.  

   Learn more about Equitable’s Daily and Guaranteed Interest Accounts  

    

    

   1 Equitable has made every effort to ensure accuracy of competitive information as of July 22, 2024. Accuracy is not guaranteed. 
   2 Some available term lengths may be limited starting at age 90.  

   ® or ™ denotes a trademark of The Equitable Life Insurance Company of Canada.  
   
   Posted July 22

9. There is still time to set up a First Home Savings Account in 2024

   A First Home Savings Account (FHSA) allows prospective first-time homebuyers to save for their first home. The plan is tax-free and allows annual contributions up to$8,000 a year or a lifetime contribution limit of $40,000. If you have a client who wants to buy a first home, start them on their path to home ownership with a FHSA.

   With Equitable’s FHSA or Daily/Guaranteed Interest Account (DIA/GIA), they can put their money to work right away. Available on Pivotal Select™ Investment Class(75/75) and Pivotal Select Estate Class (75/100) and Daily/Guaranteed Interest Account (DIA/GIA), Equitable offers clients an array of investment products to suit their individual needs and risk tolerance.

   Do not wait. Get clients started today!

   For more information on FHSA or DIA/GIA, including a FAQ and client materials, visit EquiNet^® or contact your Director, Investment Sales.   
   
   Date posted: November 13, 2024

10. Fresh new look for Equitable’s Path to Invest

    When we grow together, success is mutual. At Equitable, we’re committed to supporting your professional growth. Path to Invest, our self-serve online education and training resource, has been redesigned to deliver a simpler and more streamlined experience for advisors.
    
    You can now register and log in to Path to Invest, complete the modules, download resources, contact us with questions and access your CE certificates all in one place. Plus, our always-on Path to Invest modules offer new engagement tools like Refer a Colleague, Meet the Team and Learn More, an AI feature that allows you to further your content journey using AI suggested content.
    
    Grow your knowledge - and your business - with Equitable. Check out our current selection of investment training modules today and watch for more modules coming later this year. 

    
    Date posted: March 12, 2025