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1. About
2. Manage more details within Contract Delivery for New Business applications We are excited to announce further enhancements to our eDelivery process to empower you, the advisor, the ability to manage client details more easily within Contract Delivery.
   
   Effective January 15, 2022, advisors will need to create a Password within Contract Delivery when choosing “eDelivery” as the contract delivery method and provide the password to the client to use as their password:
   
   The Password must be between 4 and 100 alpha/numeric characters, and cannot be the Policy number. For multiple signers the password (and email address) must be unique per each signer.
   
   Advisors can now edit and/or update an email address within Contract Delivery, in the event of a bounce back or email change, to keep the eDelivery process moving and avoid delays in processing time. If a lock out occurs, advisors can trigger a resend of the signing email once they add a new valid email address in Contract Delivery. Simply click the pencil icon beside the Email field to enter the valid email address:
   

   Another new feature- in the event a client has declined, the advisor will get an email from Equitable Life^®. Click through to EquiNet^® within the email to view the message within Contract Delivery that the client provided as the reason for decline under a new “Declined Details” section. This enables you to connect with the client to proceed with the sale by discussing the reasons for decline with them directly.

   Also new for clients with this enhancement, policy owners of a policy created after January 15 will be able to see a PDF copy of their policy within client access. Note: this PDF copy is as the policy was originally issued.
   
   Resources: 

   • eDelivery of a Contract - New Business
   • eDelivery FAQ
3. How to talk to clients about CI when they don’t want to
   Does this sound familiar? 
   
   You’re having a chat with your client about Critical Illness insurance. They suddenly interject: “Critical illness insurance isn’t for me.”
   
   “Why is that?” you ask. 
   
   “Because….
   -  Critical Illness insurance is expensive!
   -  I don’t understand what it covers exactly.
   -  I have money to cover me if I get sick, so I don’t need this.
   -  I’m healthy enough.
   -  It’s not life insurance, so I don’t need it right now. 
   -  I already have disability coverage through my work.”
   
   If you’ve heard any of these responses, and didn’t know how to respond, we can help. 
   
   
   Our Path to Success program covers all these objections and more with simple-to-follow PDFs and videos. You’ll learn conversation strategies and tips on how to navigate the sale. Most importantly, you’ll know exactly what to say the next time a client objects to Critical Illness insurance. 
   
   Want to learn more? Check out our CI Path to Success modules here!
   
   Need CE credits? Take our Path to Success program here. 
4. Sofie wants to provide for her children long after she’s gone with Equitable Generations Universal L Sofie knows the future is uncertain. As a mom of two children and in her late forties, Sofie wants to continue to help her kids with their life goals as they get older.
   
   She learns that Universal Life insurance from Equitable^® is a great fit for her. It has investment options, choices of death benefit and even flexibility on how she pays for her premiums. With the investment option, she can earn tax-advantaged growth*.
   
   Watch our new Universal Life Insurance from Equitable video to learn more. See it on Vimeo  
   
   This video can help you talk with clients about Universal Life insurance. It walks them through what it is, how it works, and the affordability and flexibility it features. It highlights just how Universal Life from Equitable is an insurance solution truly designed to meet the needs of clients today and into tomorrow.
   
   Not sure where to start? Send clients this draft prospecting letter which you can personalize specifically for them.
   
   Plus, check out our Universal Life solution page on EquiNet^®, then click on the Marketing Materials tab for the latest Universal Life Marketing Materials.
   
   Want to learn more? Ask your Equitable wholesaler!
   
   
   
   View on Vimeo 
   
   
   
   
   *Subject to the Income Tax Act of Canada.
    
5. Things keep getting EZer with Equitable and EZtransact! Equitable® continues to make great strides with our digital self-serve tool, EZtransact^®. To keep this momentum, we’ve given EZtransact a fresh new look and feel, with additional transaction management changes and a new dashboard to enhance your online transaction experience! This refresh embraces our new brand, as we continue to focus on making it easier for you to do business with us.
   
   What’s new with this update?
   New dashboard for client search
   • The existing client search screen has been replaced with a new user-friendly dashboard.
   • Upon accessing EZtransact, all contracts associated with the user’s EquiNet ID will be displayed.
   • Users can refine the results and search by client name or contract number.
   Transaction management
   • Transactions submitted through EZtransact within the last 12 months are available, including their status.
   • Transactions that have received all signatures will now allow the user to download a copy of the signed request and any supporting documents uploaded by the user.
   • Transactions that are pending client signatures will allow the user to manage and track the e-signature process:
     • Signing packages can be resent to clients who have not completed their e-signature.
     • Clients can be unlocked through the dashboard if locked out due to too many invalid attempts.
   Signing process changes
   • Advisor and dealer/MGA stakeholders have been removed from signing information and review screens.
   • Users are no longer required to provide an email address for the dealer/MGA to submit a transaction.
   Get to know EZtransact and fast-forward your sales process. If you have any questions, please contact your Director, Investment Sales
   
   Date published: October 3, 2024
6. Do clients imagine owning a dream home?

   
   We’re here to help make that happen! Clients who contribute to a First Home Savings Account between May 1 and September 30, 2025, will be entered for a chance to win an incredible $8,000 in our Close to Home contest. Whether opening a new account or making an annual contribution, this is a golden opportunity to help them get one step closer to homeownership.

    

   Advisors, Your Efforts Matter Too! By guiding clients towards their homeownership dreams, you’ll be entered to win $1,000 as a special thank you for your dedication and support. At Equitable^®, we believe that when we grow together, success is mutual.

   
   
   Don’t Miss Out! Enter today using Equitable’s user-friendly online application platform, EZcomplete^®, or process an online transaction with ease using Equitable’s EZtransact^®. It’s fast, simple, and could bring clients closer to their dream home.

    

   Want to learn more? Speak to your Director, Investment Sales, and help clients take the first step towards making homeownership a reality.

    

   Equitable’s Close to Home Contest: No purchase necessary. Contest period May 1, 2025, to September 30, 2025.  Enter by making a deposit to an Equitable FHSA during the contest period or by submitting a no-purchase entry. Two prizes for a total value of $8,000 CAD to be drawn on October 15, 2025, will be awarded. The servicing advisor for the policy to which the selected entrant made the deposit is also an eligible winner and will receive a $1,000 CAD prize. For example, if an Equitable client is a winner of the $8,000 prize, the client’s servicing advisor wins a $1,000 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 the full contest rules. 

7. Your year-end momentum starts today! Just 79 days left to go in 2025!
   
   As the air turns crisp and the leaves change color, we hope you’re enjoying our beautiful Canadian fall season. But before you get too swept up in the season's fun, remember that the final quarter is also a great time of year to boost your business.
   
   Harvest season for success
   Many clients are reviewing their financial goals and plans now. According to LIMRA, nearly 30% of life insurance applications are submitted between October and December¹. This means you have a huge sales opportunity.
   
   Why choose Equitable^® ?
   Clients expect competitive solutions that fit their unique needs well. Equitable offers great products, digital tools, and outstanding service and support.  Learn more here.
   
   Act now to finish 2025 on a strong note:
   • Review your client list: Identify who needs a check-in before the year ends.
   • Spot the opportunities: Year-end financial planning opens doors—don't miss out.
   • Leverage our resources: From our e-apps to marketing materials and digital tools, we're here for you.
   
   So, grab your client list (and your pumpkin spiced latte) and make the most of this final quarter. Your Equitable team is here to support you all the way to 2026 — let's finish 2025 strong!
   
   
   ¹LIMRA, "Life Insurance Applications by Month," 2025.
8. Let’s “Talk Money”: Helping clients feel better about their finances This November is Financial Literacy Month, and the theme is simple but powerful: “Talk Money.” The goal is simple—get Canadians talking about money. When people open up about budgeting, debt, or financial stress, they feel more confident and less alone.
   
   Money and mental health are connected
   Many Canadians feel stressed about money. That stress can affect their mental health. As an advisor, you can help by starting honest conversations. When clients talk about their worries, they’re more likely to take action and feel better.
   
   How advisors can help
   You don’t need to be a therapist. Just listen, ask questions, and offer simple steps. Here are a few ideas:
   
    
   • Ask how clients feel about their finances.
   • Share stories of others who overcame money stress.
   • Celebrate small wins, like setting a budget or saving a little more.
   • Use Equitable’s online learning modules to equip yourself with knowledge to help support client goals.
   • Watch our on-demand webcast: How to stay grounded in a changing world: Supporting financial and mental well-being
   
   Let’s talk money
   Talking about money helps people feel stronger and more in control. This month, let’s help clients open up, take action, and build better habits—financially and emotionally.
   
   If you have any questions, feel free to reach out to your Director, Investment Sales.
9. Wrapping up 2025 with our new term rates!
   Among the most competitive in the market
   Equitable^® is wrapping up 2025 with our new term rates effective November 22, 2025. Many Canadians view life insurance as unaffordable, with 34% saying cost is the top reason they go without coverage.¹ Our new term rates are designed to help address these concerns. They offer flexible and affordable options to help clients get the protection they need.    
   ¹ Investment Executive at Survey finds affordability, lack of trust, barriers to buying life insurance | Investment Executive 
   
   What’s New:
   Updated premium rates for Term coverage, included on:
   • Term 10, Term 20 and Term 30/65 plans
   • Including Term Riders on Critical Illness (CI), Whole Life (WL), Equitable Generations^® Universal Life (UL) and Equation Generation^® IV Universal Life
   
   View our Transition Rules for all the details on processing your applications. 
   
   
    
    
   New term rate highlights*:
   *Effective November 22, 2025. Our term rates ranked among the best on LifeGuide when compared against top carriers in key markets.
   
   Check out our new term rates for yourself. Run quotes monthly (versus annually) for our best term rates.
   
   Contact your Equitable wholesaler today to learn more!
   
   
   
    
10. Boost your knowledge and earn CE credits

    Need continuing education credits?

    Equitable is happy to offer online courses focusing on insurance. The courses allow you to learn at your own pace and earn CE credits quickly and easily. You can earn CE credits right away when you complete these courses. All courses are accredited by Alberta Insurance Council, Insurance Council of Manitoba, The Institute for Advanced Financial Education, and Chambre de la sécurité financière*.
     
    Existing courses:
    1.    Building your business with critical illness insurance
    2.    Ensuring a Compliant, Needs-based Insurance Sale
    3.    Harness the power of whole life cash value
    4.    Introduction to whole life insurance
    5.    Path to Success - Expert Advice on Navigating CI Sales
    6.    Participating whole life for the children's market: A head start for tomorrow
    7.    The mechanics of universal life 
    8.    Where UL Fits in your Product Portfolio
    
    
    A few important notes before you get started:
    •    The programs are hosted on Teachable: https://equitable-life-education.teachable.com/
    •    Username: Please use your email address that you are contracted with
    •    Password: Equitable
    •    Please use Google Chrome to access the courses
    
    Start Earning CE Credits!
    
    Check out the individual insurance online learning centre on EquiNet to stay up to date on new courses. 
    
    Questions?
    Contact your local wholesaler.
     
    Are you having trouble logging in or accessing certificates?
    Email equitableiimarketing@equitable.ca for assistance.
    
    *Please select the course with “QC credits” in the title for La Chambre credits.