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1. 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. 
2. Roll out the red carpet for a refreshed Term! We are pleased to announce that updates to our Term life insurance solution are now live! We believe that Term life insurance can deliver value to clients at every stage of their life journeys. Be it at renewal or at conversion, Term is a flexible and affordable life insurance solution for clients today and into tomorrow.
   
   On February 3^rd, 2024, we refreshed our Term life insurance solution. Some of the existing and new updates with our Term offering include:
   ●  More targeted, competitive pricing,
   ●  Benefits re-aligned under the KIND™ program,
   ●  Yearly renewals. After the initial term of level premiums, Term life insurance will now renew yearly with premiums gradually increasing each year. This will help clients keep their Term protection longer without large premium increases.
   
   With these updates and more, our Term solution doesn’t just “do the job,” it’s what clients want!
   
   Visit our splash page and watch our informative video to learn more and start selling today!
    
   
   
   
   View our Transition Rules for all the details on processing your applications.
    
   We’ve also updated our illustration tool:
   ● New Desktop illustration software
   
   Want to learn more?
   Contact your Equitable wholesaler anytime!
    
   
   ® or ™ denotes a trademark of The Equitable Life Insurance Company of Canada.
3. Summer is here and so is our new dividend scale

   Equitable’s Board of Directors has approved a new dividend scale for the period of July 1, 2024, to June 30, 2025.

   ● The interest rate* we use for the dividend scale will change. It will go from 6.25% to 6.40% on July 1, 2024.
   ● Other factors used to decide the dividend scale will remain the same.
   ● The interest rate for policies with dividends on deposit will change. It will go from 2.25% to 3.50% on July 1, 2024.
   ● The interest rate for most policy loans will remain at 6.50%. This applies to both new and existing policy loans, and automatic premium loans. It specifically applies to Equimax^® policies with a 9-digit policy number that starts with either "3" or "8". Older policies may have different loan rates as they are based on the prime interest rate.
   
   Learn more:
   ● 2024 Advisor Dividend Scale Notice
   ● 2024 Client Dividend Scale Notice
   ● Dividend Information Page 
   
   
   
   
   
   Did you miss our Spring update & 2024 Dividend Scale announcement? Watch it now: 
     
   (*The French and Chinese events will be partially in English, with sub-titles on screen).
   
   
   
   
   
   
   
   
   *The dividend scale interest rate (DSIR) is different from the participating account (PAR) rate of return. The PAR rate of return is the return on the investments in the participating account over the calendar year. The DSIR smooths out the ups and downs of the participating account experience.
4. Open doors with our updated CI & UL solutions! Have you heard the news? On October 8th, we rolled out several updates to our competitive Equitable^® product lineup—including our Critical Illness (CI) and Universal Life (UL) plans. 
   
   These updates are all about cost savings for clients and helping advisors like you grow your business. And the response has been fantastic!

   
   What’s new for CI and UL?

   1. Lower monthly costs for new EquiLiving^® critical illness (CI) policies paid monthly – hello savings!

   •    The monthly modal factor for CI decreased from 0.09 to 0.0867.
   •    The monthly policy fee decreased from $4.50 to $4.34.
   
   *Note:  EquiLiving premium rates and annual policy fees have not changed. 
   
   2. Lower monthly costs for UL policies with CI riders added – now it’s more affordable to add CI coverage when selling UL!

   
   
   Commissions got a makeover too

   Good news! Commissions on Term and EquiLiving CI policies are now calculated based on the total premium paid for the policy year—even if clients opt for monthly payments. No more annual premium commission calculations!
   
   Learn more! 
   
   Questions? Contact your Equitable wholesaler for all the details.
   
   Cheers to savings and growing your business with Equitable!
   
   
   
   
   
   ^® or ^TM denotes a trademark of The Equitable Life Insurance Company of Canada.

5. Here is what our advisors are saying about Equitable’s EZtransact

   You asked US to make EZtransact™ even easier, so we did. We asked YOU to tell us what you think, and you are! Here is what our advisors are saying about Equitable’s EZtransact:
   
   “EZtransact puts Equitable above all our product partners! This was so easy! Thank you!” - Michelle Rolston
   
   
   “You've done an amazing job with the forms that are so easy to deal with now! Thank you”. - Jane Hanson
   
   “You've got this thing running brilliant” - Gerald Kottke
   
   “Love the ease of this!” - Bradley Radke

   In case you missed the most recent updates to EZtransact, advisors can now help clients make segregated fund withdrawals for all account types, and transfer from one fund to another digitally using our self-serve tool. Comments from our advisors since these enhancements were made have been overwhelmingly positive. Thank you!
   
   Get to know EZtransact and fast-forward your sales process. If you have any questions, please contact your Director, Investment Sales, or Advisor Services Team Monday to Friday, 8:30 a.m. – 7:30 p.m. ET at 1-866-884-7427, or email savingsretirement@equitable.ca.
   
   Date posted: August 22, 2024 

6. Did you miss our Equimax update in December?
   Equimax – a better and stronger solution!
   
   Discover the latest Equimax updates

   
   Great news! We’ve made further updates to our Equimax^® insurance solution to better serve clients.  
   
   Here are some of the changes:
   
   ● A new guaranteed 10 pay premium option for Equimax Wealth Accumulator^®. 
   ● You can now add an Excelerator deposit option (EDO) on Equimax Estate Builder^® and Wealth Accumulator plans with a 10 Pay premium option (term rider not required at issue of the policy). 
   ● We increased our flexibility with EDO. This will make it easier for clients to stop and start EDO contributions without losing their maximum approved contribution room. On top of that, these changes will apply to all inforce policies. A single set of EDO rules will apply to every Equimax policy whether it’s issued tomorrow or 10 years ago, making it simpler to help clients manage their policies. 
   ● We increased the maximum amount of Equimax coverage that can be applied for without a special quote from $20M to $25M.
     
   
   
   
   
   Equimax is now an even better and stronger solution. For a full breakdown of these product updates visit our splash page.
   
     
   
   *Video available in English with French and Chinese sub-titles.
   
   
   
   Please refer to our Transition Rules for all the details on processing your applications.
   
   Need more information? Please contact your Equitable wholesaler.

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. [pdf] Now it’s even easier to grow your savings online!
9. [pdf] Investing in technology to make benefits easier
10. 2025 – Celebrating a year of growth!

    Individual Insurance roundup

    Kicking off 2026 with excitement— we’re proud to reflect on the wins Equitable’s individual insurance team achieved in 2025! We added nearly 50,000 new policies, serviced over 450,000 existing insurance clients, and paid more than 1,300 claims. But there’s more! 
    
    Through the year, we introduced new digital tools and smart ways of working that made things easier for advisors and clients alike. It was a year of remarkable growth and impact. 
    
    Here’s a recap of some of our best moments of 2025.
    ● Faster juvenile policy approvals
    We launched a new way to approve juvenile policies. Families can now get insurance faster, and advisors spend less time waiting. This lets you and your Equitable underwriters focus on approving more complex insurance applications.
    
    ● Easier payment updates online
    Our new “update payment” feature on Client Access and EquiNet made it simple for clients to change banking details and payments online — no paperwork needed. Updates are made within three business days, giving clients more choice in the way they connect with us.
    
    ● Better fund information
    With Fundata, we created an enhanced web page for universal life policy investments. Now, advisors and clients can easily find fund performance details and use simple “favourite funds, search, and compare” tools. This makes it easy for clients to stay informed on their UL investments.
    
    ● More choices for universal life (UL) clients
    Our new 30/65 Rider for Equitable Generations™ UL plans gives clients more choice and flexibility—an affordable new way to add more coverage to their policies when needed.
    
    ● Flexible term exchange options
    New term 30/65 exchange option — a great addition! It provides more choice for clients that need to change their coverage as their needs evolve.
    
    ● Stable dividend scale interest rate
    We kept our market-leading dividend scale interest rate of 6.40%, providing participating policyholders with confidence and stability.
    
    ● New web tool for UL illustrations
    This new online tool puts UL sales illustrations at your fingertips online. You can view and save them from your laptop, making it easier than ever to manage your UL business. Try the new web illustration tool here.
    
    ● New term insurance rates
    In November, we introduced new term insurance rates. Our term rates are now among the best available! This makes it easier for clients to get the insurance coverage they need.
    
    Looking ahead
    In 2025, Equitable showed that trying new ideas, making things easier, and putting clients first truly matters. As 2026 begins, we’re focused on continuing this exciting momentum.
    
    Thank you for being on this journey with us and wishing you a very happy and successful year ahead!