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  1. There is still time for your clients to contribute to their Tax-Free Savings Account


    If you have clients that have not contributed to their Tax-Free Savings Account (TFSA) this year, great news… there is still time!

    You know that an Equitable Life® TFSA is a great way to save. Each year residents of Canada who are at least 18 years of age are eligible to invest up to $6,000* into their TFSA, in addition to any previously unused contribution room. Deposits made into a TFSA are made with after-tax dollars. This means that withdrawals can be made at any time on a tax-free basis.

    Interested in increasing an existing Pre-Authorized Debit (PAD) TFSA deposit?
    Clients with an existing PAD (or who had one in the previous six months), can go online to make any adjustments to a scheduled deposit to their TFSA. Clients can simply login to Equitable Life’s Client Access®. Client Access is Equitable’s secure online client site that connects clients to tools and policy information.
     
    Consider a one-time deposit or set up a PAD?
    To get started with one-time deposit, clients simply log in to their online bank account and select the option to add a new bill/payee and search for Equitable Life Savings Plan. The Equitable Life savings plan policy number will serve as the account number.

    Clients that complete their deposits using online banking do not have to worry about mailing a cheque or missing the deadline. Deposits are applied based on the investment direction on file.

    If you have clients that would like to set up a PAD, simply complete Form #378. For details on how to submit forms during COVID-19, refer to the NEW APPLICATIONS & TRANSACTION AUTHORIZATION REQUIREMENTS webpage.
     
    If you have any questions, please reach out to your local Regional Investment Sales Manager or Advisor Services at 1.866.884.7427 Monday to Friday, 8:30 a.m. to 7:30 p.m. ET or email savingsretirement@equitable.ca.
     

    *The annual TFSA limit is set by Canada Revenue Agency (CRA) and is currently $6,000. Your notice of assessment will tell you if you have unused contribution room from previous years. Contributions over the maximum will be charged a monthly penalty of 1% by CRA.
     
    ® denotes a trademark of The Equitable Life Insurance Company of Canada
  2. Enhancing the Transfer Process: Equitable's New Signature Guarantee Service Equitable® is making transfers even easier with EZcomplete®.

    This enhancement will help advisors and clients by reducing the number of rejections from other institutions that need a signature guarantee. Reducing transfer rejections means less time and effort for advisors, and faster transfers from other institutions. 

    Signature Guarantees
    Equitable will now offer signature guarantees on most transfers requested through EZcomplete. 

    When is a signature guarantee not available?

    •  For entity owned accounts
    •  If a Power of Attorney is signing on behalf of an owner
    •  If the transferring account has an irrevocable beneficiary 

    Watch the quick Identity Check with Persona video or read through instructions below. 





    To offer a signature guarantee, Equitable first needs to check the identity of all owners using Persona, a third-party service provider.
    The advisor starts by selecting a signature guarantee in EZcomplete. An email link is sent to all proposed owners.


    Clients can click the link within the email to Persona's verification process.
    They will be prompted to take a picture of their photo ID and a selfie, turning their head slightly left and right by following the prompts.
    Their identity can then be confirmed in seconds.






    Sending Transfer Forms:
    •  If all owners' identities are verified, Equitable will send the transfer form with a signature guarantee stamp and the e-signature audit log to the transferring institution.
    •  If ID verification fails, clients will be prompted to try up to three times. If still unsuccessful, the transfer form and e-signature audit log is sent to the transferring institution without the signature guarantee stamp.

    Handling Issues:
    •  Advisors’ obligations to verify ID is not affected by this process; ID verification is still required.
    •  If the client times out or loses the email to access Persona, the advisor can resend the link.
    •  If the client’s name or email changes after ID verification, the advisor will need to redo the ID verification with the updated information to get a signature guarantee.

    This update strives to make processes smoother and more efficient for everyone. Just another reason to do business with Equitable. When we work together, success is mutual.

    For more information or assistance, please contact your Director, Investment Sales.

    ​​​​​​Date published: May 7, 2025
  3. Elevate your business with industry best practices and needs-based selling Keeping your business aligned with industry best practices is vital for your success. It not only supports the fair treatment of clients – it also helps you meet certain market conduct requirements and Equitable’s expectations for needs-based selling.

    The Financial Services Regulatory Authority of Ontario (FSRA) has a program that checks how well advisors follow the Insurance Act and its conduct rules. FSRA looks at how well advisors follow industry best practices and fair treatment of clients guidance (see CLHIA’s guidance document, “The Approach”). Their focus is on key areas such as giving sound advice, managing conflicts of interest, and putting clients’ needs first. FSRA selects advisors’ client files and looks for documentation that indicates needs-based selling. 

    In December 2024, FSRA released its latest Market Conduct Supervision Report. It highlights the need for advisors to follow certain rules and industry best practices. The report found five key areas where improvement is needed:

    1. Missing notes from client meetings and calls
    2. Inadequate advisor disclosure
    3. Missing sales illustrations for different product options
    4. Missing insurance needs analysis
    5. Missing policy delivery receipts


    By following industry best practices and keeping thorough records, you show your commitment to providing clients with the solutions they need. For example, taking notes during client meetings helps you track all discussions that support your recommendations. Having an insurance needs analysis shows you are providing clients with suitable advice to buy the solutions that best meet their needs.

    Resources: Equitable® has resources that can help improve your business practices and help you treat clients fairly. We encourage you to check these out:

    1. PPT: “Ensuring a Compliant, Needs-based Insurance Sale”. The steps to follow in needs-based selling and the records to keep.

    Get CE credits! We offer the above as a self-study course that qualifies for 1 Continuing Education (CE) credit. Access it here: https://equitable-life-education.teachable.com/. (Use your contracted email to log in).

    2. Client File Reference: The records to keep when selling investments, life insurance, or critical illness insurance, including key documents insurers and regulators look for during compliance audits.

    3. Investor Profile Questionnaires: These will help you document your sales recommendations for:
    ● Universal Life (UL) sales: 1190.pdf, and
    ● Pivotal Select (Segregated Fund) sales: 1165.pdf

    Questions? Contact your Equitable wholesaler. They are ready to support your success!
  4. 2026/2027 Dividend scale announcement, plus new Performance and perspective par fund report
    Good news! Equitable’s Board of Directors has approved maintaining our current dividend scale, including the dividend scale interest rate of 6.40%, effective July 1, 2026, through June 30, 2027.*

    These factors are also staying the same:
    •  The interest rate* used to decide the dividend scale is unchanged at 6.40%.
    •  The interest rate for policies with dividends on deposit stays at 3.50%.
    •  The interest rate for most policy loans continues to be 6.50%. **

    A stable dividend scale reflects strong, long‑term management of the participating fund.

    Find out what’s new with Equitable Individual Insurance and hear the 2026 Dividend Scale announcement
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    (*French and Chinese events will be partially in English, with sub-titles on screen).

    New! Performance and perspective participating fund report
    You now have a powerful new resource, Performance and perspective, to support your client conversations about Equitable’s participating fund. It’s designed to give you a transparent view of 2025 participating fund performance to help you explain long‑term value simply, and position Equimax® participating whole life as a long‑term solution, not just a product.

    View the Performance and perspective report: English, French, Chinese

    Reasons to use Performance and perspective
    • It strengthens your conversations and builds client confidence by showing the participating fund asset mix, historical performance and long‑term approach all in one place.
    • It helps you explain with clear visuals how the participating account is managed, not just how it performed.

    Why this matters to clients
    • They get transparency into where their money is invested.
    • They can see how participating solutions are managed over time, not year to year.
    • They gain confidence in long‑term planning decisions, supported by facts.

    Need more information?
    • Dividend Information Page
    • 2026 Advisor Dividend Scale Notice
    • 2026 Client Dividend Scale Notice

    *Dividends are not guaranteed and are paid at the sole discretion of the Board of Directors.
    **Applies to new and existing policy loans and automatic premium loans, specifically Equimax® policies with 9-digit policy numbers beginning with 3 or 8. Older policies may have different loan rates as they reflect the prime interest rate.
     
  5. [pdf] Online Plan Member Enrolment Quick Reference Guide
  6. April 2026 eNews

    In this issue:

    Coming soon: Enhancements to Equitable EZBenefits plans for small business

    Register now: Free webinar connects nutrition and employee health

    Reminder: One-time passcodes will be added to our login experience*

    Service-related survey will go to clients in May*

     

    *Indicates content we will share with your clients.

     

    Coming soon: Enhancements to Equitable EZBenefits plans for small business

     

    Equitable EZBenefits® was created to provide a better benefits experience for small businesses in Canada. With a range of plan designs to fit the needs and budgets of companies with 2-25 employees, this unique solution is affordable, sustainable and easy to manage.

     

    Now, we’re enhancing EZBenefits to deliver even greater value for more small businesses.

     

    Overview of enhancements

     

    We’re making the following updates:

    • Dental coverage for new Bronze plans: Basic dental coverage will be available for Bronze-level EZBenefits plans. Coverage will be 70% with a $750/year maximum, 12-month recall and six scaling units.

    • Definition of earnings for long-term disability (LTD) coverage: Earnings for LTD coverage will include bonuses and commissions, to reflect common small business pay structures.

    • Part-time eligibility for Saskatchewan employers: For Saskatchewan-based employers with 10 or more employees, the definition of part-time employment will shift to 15 hours per week to match the province’s definition.

     

    These enhancements will be included in new EZBenefits plans with effective dates of June 1, 2026, or later.

     

    In-force EZBenefits clients can also access these enhancements starting June 1, 2026, by requesting a plan amendment.

     

    You may wish to discuss these enhancements with your EZBenefits clients so they can make the best decisions for their plans.

     

    An “EZ” solution for you

     

    EZBenefits is also designed with advisors’ needs in mind. By providing fast quotes, a streamlined implementation process and an advisor concierge service, we’ve reduced your administrative burden and made supporting your small business clients easier.

     

    To learn about EZBenefits or the upcoming enhancements, please contact your Group Account Executive.


    Register now: Free webinar connects nutrition and employee health


    Plan to attend this special virtual session where Dr. Jeffrey Alfonsi, Chief Medical Officer and Co-Founder of RxFood, will share research that links overall health and nutrition.

     

    Poor nutrition is often connected to chronic disease. And chronic disease is heavily affecting the Canadian workforce—impacting productivity, driving up incidence of disability among employees and health benefits costs for employers.
     

    During his presentation, Dr. Alfonsi will underscore the difference healthy eating can make in several areas, including:

    • Chronic disease management and prevention

    • Early return to work from disability leave

    • GLP-1 agonist need and usage rates

    • Mental health and wellness

       

    You’ll also learn how employers can make good nutrition more accessible to employees and support their holistic health.


    Nutrition matters

    The powerful connection between diet and employee health

    When: Thursday, May 21, 2026,
    10 a.m. PT/1 p.m. ET

    Where: Online (register here)

    The webinar will be presented in English only. CE credits will be available.

     

    Reminder: One-time passcodes will be added to our login experience

     

    Soon, you may need to complete a new security step when you log in to your account on EquitableHealth.ca® and the Equitable EZClaim® mobile app. Anyone who logs in with an email address and password may be required to enter a one-time passcode that’s provided via email.

     

    By adding this form of multi-factor authentication (MFA) to the login process, we’re further enhancing our digital security and helping safeguard your account access and our clients’ personal data.

     

    Skip the one-time passcode. Create a passkey.

     

    However, you won’t need to enter a one-time passcode if you create a passkey to log in. Passkeys are another form of MFA. They are safe and provide a quicker, easier, secure way to access your account, using either biometrics – your face or fingerprint – or a PIN authenticator to confirm your identity.

     

    Learn more about passkeys. You’ll see how easy it is to set up on your mobile device or computer. Please reach out to your Group Account Executive if you have any questions.

     

    Service-related survey will go to clients in May

     

    At Equitable, we’re committed to providing clients and plan members industry-leading service. And we’re continually looking for ways to improve.

     

    On May 11, we’ll invite clients to complete a survey to help us understand where we’re delivering exceptional service, and how we can better meet their needs and those of their plan members. Their feedback will be kept confidential. However, we may follow up with some clients to address any concerns they identify.

     

    Every client who completes the survey will be entered into a random draw for a chance to win one of three pre-paid $200 gift cards. Clients will have through May 25 to complete the questionnaire for a chance to win a gift card.

  7. February 2026 eNews

    In this issue:

    Save time and add protection — log in to your Equitable account with a passkey*
    New form offers a simpler way for clients to submit special claims*
    2026 dental fee guide updates*

    *Indicates content that will be shared with your clients.
     

    Save time and add protection — log in to your Equitable account with a passkey

     

    Passkeys offer an easier, faster way for you and your clients to log in to EquitableHealth.ca®. They also add an extra layer of account protection.

     

    Easy set-up. Secure access.

     

    If you haven’t created a passkey yet – now is a great time. You can create one on both your computer and mobile device.

     

    When you set up a passkey on your mobile device, you’ll use biometrics –your face or fingerprint–to log in. This verifies your identity, so only you can access your account on your device.

     

    Setting up a passkey on your computer is slightly different. You may have more options to verify your identity, such as biometrics, a personal identification number (PIN) or a password.


    To learn more about  passkeys, visit Equitable.ca/effortless.

     

    You hold the ‘key’ to further protecting your account

     

    You’re the only one who can create passkeys. We can’t create them for you.

     

    The set-up process is quick and easy. The videos below guide you through creating a passkey on your mobile device and computer.

     

    Using passkey for Equitable EZClaim mobile Creating a desktop passkey

    If you use the same email address to log in to your accounts on EquitableHealth.ca, EquiNet® and Equitable Client Access®, you can use the same passkey. Equitable Client Access is our secure site for Individual Insurance and Individual Wealth clients.

     

    New form offers a simpler way for clients to submit special claims

     

    Equitable has simplified the special claim process for clients by introducing an interactive Special Claims Services form.


    The new form, which replaces our previous online calculator, automatically calculates the fees and taxes based on province, so clients can clearly see the total of a special claim – and how much they need to pay.
     

    What is a special claim?

     
    A plan sponsor can submit a claim for Special Claims Services – sometimes referred to as Cost Plus – to pay for a plan member’s health and dental expenses that are either not included or not covered in full by their group benefits plan.


    When submitting the claim, the plan sponsor also pays us for the cost of the expense, plus a service fee and taxes. Then, we reimburse the plan member or another designated payee.


    Anything eligible under a health-care spending account (HCSA) is eligible under Special Claims Services. Our HCSA list of eligible expenses matches the Canada Revenue Agency’s list of eligible medical expenses that can be claimed on a tax return.


    When a plan sponsor submits a special claim, there is no impact to the claims experience, pooling or taxes. Given that every situation is unique, however, the plan sponsor is responsible for consulting with an accountant on tax impacts and/or claim limitations that may apply.


    For more information on Special Claims Services, check out this brochure or email SpecialClaimsServices@equitable.ca.
     

    2026 dental fee guide updates

     
    Several Canadian dental associations have published their 2026 fee guides. We use these guides to help set benefits reimbursement limits for dental procedures.

    For your reference, here is the list of this year’s fee increases for general practitioners.

    Source: Canadian Life and Health Insurance Association (CLHIA) 2026 Dental Fee Increase Guide

    If you have any questions, please contact your Group Account Executive.
  8. Investment loans
  9. Investment loans
  10. Disability Waiver of Premium Requirements