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1. Equitable Life Group Benefits Bulletin - September 2020

   In this issue:

   Enhancements to Equitable EZClaim Mobile
   New reports available on EquitableHealth.ca

   * Indicates content that will be shared with your clients.

   Enhancements to Equitable EZClaim^® Mobile*

   We’ve updated our Equitable EZClaim mobile app to process vision claims faster, to provide a new option for submitting documents and to increase password security.

   Faster vision claims processing and payment

   Equitable Life now provides faster processing of vision claims submitted via EZClaim Mobile.

   This means plan members can find out the status of their vision claim almost instantaneously. And, for approved claims, they will receive payment even sooner – often in as little as 24 hours.

   In order to allow for instant processing and faster payment, plan members will be prompted to enter some additional information, including their practitioner’s name, the date of the expense, the type of expense and amount of the expense when submitting their claims for these services.

   Equitable Life plan members can submit all vision claims via Equitable EZClaim, including coordination of benefits and Health Care Spending Account claims.

   Submit documents from a mobile device

   We have added our Document Submission tool to EZClaim Mobile so plan members can conveniently submit documents directly from their mobile device. Applications, change forms, statement of health forms and more can all be easily uploaded whenever and wherever they are.

   Improved security with stronger passwords

   To help you, your clients and plan members better protect personal information, we have increased the maximum length of passwords for both EZClaim Online and EZClaim Mobile from 12 to 32 characters. This longer character limit makes it easier to create stronger and more secure passwords.

   There is no change for plan members, plan administrators or advisors. All existing passwords will continue to function. However, if you choose to update your password you will now be able to choose longer passwords or passphrases.

   Why should I change my password?

   Changing your password frequently helps keep your information safe. The longer and more random the password, the more secure it is. To improve security even more, a passphrase is recommended.

   A passphrase is a series of words or other text used like a password. Because it is much longer, a passphrase is more secure. Although the words in the phrase may be meaningful to you and easy to remember, they can be random enough that the full phrase is difficult for someone else to guess. It’s even better if you use numbers or other characters in your passphrase.

   Your passphrase should be:

   • Long enough to be hard to guess;
   • Not a famous quotation;
   • Easy to remember and type; and
   • Not used in multiple places.

   To change your password:

   1. Log in to EquitableHealth.ca
   2. Click on My Information > User Profile
   3. Click Edit
   4. Confirm your information and enter your new password
   5. Click Save

   We will be announcing this enhancement to plan members on EquitableHealth.ca.

   New reports available on EquitableHealth.ca*

   Plan administrators and advisors with reporting access can now download three additional reports any time via the plan administrator and advisor websites on EquitableHealth.ca:

   • Premium and Tax – This report provides a breakdown of premiums and taxes paid per plan member for any specific time period for all applicable benefits.
   • Occupation and Earnings – This report provides current plan member earnings and occupation information and gives plan administrators an efficient way to report updates to us.
   • Employee listing – This report lists all plan members’ information, including name, certificate number, date of birth, province, occupation and salary, as well as benefit coverage currently in place and HCSA allocations.

   These reports can be downloaded in Excel format for easy updating, filtering or sorting.

   For more information, please contact your Client Relationship Specialist.

    

   *Indicates content that will be shared with your clients

2. MER + TER = FER: what it means for clients
3. Step Up Your Wealth is Back—and It’s All About You!

   
   Equitable^® is excited to bring back our Step Up Your Wealth Sales campaign for 2026! This is your opportunity to grow your business, deepen client relationships and earn rewards for doing what you do best—helping Canadians achieve financial confidence.
   
   As an advisor, you know the value of a strong partner. At Equitable, we combine the strength of a mutual company with a full suite of competitive wealth solutions designed to help support every stage of a clients’ financial journey.
   
   
   
   
   Your Advantage Starts Here
   
   Expand Your Offering: Access a comprehensive range of products to meet diverse client needs—from accumulation to retirement income.
   Build Stronger Relationships: Position yourself as a trusted advisor with solutions backed by Equitable’s proven track record.
   Earn More: Receive a Growth Bonus* as our way of recognizing your commitment and success.
   
   This campaign is designed to help you grow your book of business while delivering exceptional value to clients. Together, we can make 2026 your most successful year yet because when we grow together, success is mutual.
   
   Ready to Step Up? Visit our website or connect with your Director, Investment Sales today for full details.

   
   
   *The bonus amount will be calculated on December 31, 2026 based on net deposits to Equitable Individual Wealth products for 2026. The bonus will be paid within 90 days following December 31, 2026. Maximum bonus payable is $100,000 for re-qualifying Elite Advisors; $75,000 otherwise. Re-qualifying Elite Advisors are advisors who attained Elite status at the end of 2025 and maintain Elite status at the end of 2026. To attain Elite advisor status, an advisor must have $1,250,000 in gross deposits in at least five Equitable policies in 2026 or $10,000,000 in assets with Equitable’s Individual Wealth at the end of 2026. For re-qualifying Elite Advisors that reach $10,000,000 or more in net deposits in both 2025 and 2026, the maximum payment is $200,000. Equitable reserves the right to end or after the Step Up Your Wealth Sales campaign or the Elite Advisor Program at any time and without notice.
4. Streamline your transactions with EZtransact

   Skip the forms and submit more transactions digitally with EZtransact^® to see how Equitable^® has continued to make it easier for you to do business with us.
   
   What’s new with these updates?

   
   One-time PAD functionality for Daily/Guaranteed Interest Account

   With the recent addition of DIA/GIA PAD to EZcomplete, you can now utilize EZtransact for one-time pre-authorized debits. This means faster processing with one-time deposits for investment instructions to either a DIA and/or GIA (multiple terms) with end-of-term instructions.
    

   Key benefits of these enhancements include:
   •  enhanced rate guarantees to secure the best rates available for clients,
   •  daily updated interest rate guide informs you of the latest rates,
   •  interest rate guarantee valid for three business days, for direct deposits from clients.
   
   Be sure to use EZtransact on your next DIA/GIA one-time deposit request to experience these improvements.
   
   
   Reduce RSP to RIF conversion time

   Reduce time and effort submitting Retirement Savings Plan (RSP) to Retirement Income Fund (RIF) conversion requests. EZtransact is continuing to reduce the amount of time it takes advisors to submit conversion requests.
    
   Features include:
   •  RSP/Spousal RSP to RIF Conversion to effortlessly submit request digitally.
   •   RIF Calculator to easily calculate your conversions.
   
   Save time with our enhanced digital experience.
   
   
   Sort & Filter Enhancements
   We’ve taken your feedback and made it easier than ever to find the contracts and clients you’re searching for. This improved advisor experience ensures you can:
   
   •  Filter “My Clients” By Product Type/ Registration Type
   •  Sort “My Clients” By Contract Number/ Client Name
   •  Filter “Transactions” By Transactions Status/ Transaction Type
   •  Sort “Transactions” By Date

   

   You asked, and we listened! Keep providing us with your feedback on our digital tools. When we grow together, success is mutual.
   
   Get to know EZtransact and accelerate your sales! If you have any questions, please contact your Director, Investment Sales.
   
   Date posted: April 3, 2025

5. THREE new ways to help make your Savings & Retirement business run smoother
   As of August 20, 2022, EZcomplete® will include several new features that allow applications to be completed faster and easier:
   
   1. Prefilled Fund Transfer Form
   The transfer form will be generated with the information from EZcomplete and included in the EZcomplete signing package, saving you time.
   
   
   
   2. Client eSignature Audit History and Document Download
   If you choose the e-signature option for the client, you’ll be able to download a copy of the e-signed transfer forms and the signature audit history.
   
   
   3. Email the Client Contract Info and Fund Facts Before Signing
   You'll now be able to email Point of Sale materials (Contract & Info Folder and Fund Facts) to clients before they provide their e-signature.
   
   
   Log in to EZcomplete today!
    
   Speak to your Regional Investment Sales Manager to learn more!
   
   
   
    
6. Ride the wave this RSP season with Equitable Life

   
   You can't stop the RSP wave. But you can ride it. Ride the wave this RSP season with tools that make it easy to complete applications and deposits online - only from Equitable Life.
   
   Learn more.

    
    
7. EZtransact enhancements: New “Internal Transfer” and “Other Institution” options

   At Equitable^®, we’re always looking for ways to make it easier to support clients. That’s why we’re excited to share new enhancements in EZtransact^® that give you more flexibility and simplify transfer processes. 
   
   What’s new
   As of January 22, EZtransact now offers:   
   •  Internal Transfers that streamline digital movement of investments between eligible client accounts within Individual Wealth.
   •  An “Other Institution” option when you’re initiating an external transfer. This means you can request transfers from financial institutions that are not listed in our existing dropdown menu.
   
   These enhancements remove the need for manual workarounds and help ensure transfers are captured clearly and accurately the first time. 
   
   These updates support:
   •  Advisors working with Individual Wealth clients
   •  Clients who need to move investments either within Equitable or from another financial institution
   
   To transfer funds between existing Equitable contracts, simply go to EZtransact, select Make a Transfer on the policy you want to receive the funds, and view your client’s existing contracts all in one place. 

   
   
   Use the new “Other Institution” option to start transfers from any financial institution, even if it’s not part of the standard list.
   
   You’ll see these enhancements in the “Make a Transfer” flow within EZtransact on EquiNet^®. It appears right at the point where you select the financial institution for the transfer. 
    

   
   These updates are designed to:
   •  Give you more flexibility when managing external transfers
   •  Remove the need for manual steps or workaround solutions
   •  Help reduce errors that can happen during manual processing
   •  Improve efficiency for you and deliver a smoother experience for clients 
   
   You asked, and we listened! Keep providing us with your feedback on our digital tools. When we grow together, success is mutual. Get to know EZtransact! If you have any questions, please contact your Director, Investment Sales.
   
   Date posted: April 1, 2026

8. A year of celebration - 100 years of protecting what matters most to Canadians We’re proud to be celebrating 100 years of experience in the insurance industry. Over the last 100 years, through significant historic and financial challenges – two World Wars, the Great Depression, economic crises in the 80s and 90s, regulatory challenges and significant growth and expansion in the face of stiff industry competition – Equitable Life of Canada^® has become one of Canada’s largest and most financially stable mutual companies. 
    
   2020 marks our 100^th anniversary and we want to thank everyone who has been a part of this journey. A special 100^th anniversary website, www.equitable100.ca, highlights the company’s historic milestones and shares information about the anniversary-related activities. Special celebrations will be taking place including:
    
   • The Equitable Gives Back Contest that will award five charitable organizations in Canada a grant of $10,000 each based on their winning entries;
   • The $100 a day giveaway where randomly selected clients will receive $100. In addition, there will be three grand prizes awarded to randomly selected clients at the end of the year; and
   • The 100^th Anniversary Legacy Donation, that will be announced in May, to an organization in  Waterloo Region that helps strengthen our community.
   You provide us with the support we need to keep our promises to Canadians. We’ve built Equitable Life^® together over the last 100 years and, together, we’ll thrive for the next 100. We’re proud of our past, and we’re excited for the future as we begin the next chapter for Equitable Life of Canada.
    

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

9. Update - Travel Assist Coverage*

   Last Friday, we announced that plan members with Travel Assist on their benefits plan will not be eligible for coverage if they departed the country after the Government of Canada issued its Global Travel Advisory.

   When the Government issued its advisory late Friday afternoon, we felt an obligation to let prospective travellers know as soon as possible so they could make informed choices about their travel. Since then, we have been made aware of a number of situations where plan members were unable to change their travel plans and need our continued support.

   To provide that support, we have revised our position. We will continue to cover plan members for all eligible emergency medical expenses, including those related to COVID-19, for trips outside Canada. Given the global situation is evolving quickly, we will continue to monitor developments and update you accordingly.

   In spite of this, we strongly urge your clients to advise their employees not to travel outside of the country at this time. The risk is high and the options for returning to Canada are becoming limited. Further, we urge your clients to advise their employees who are outside the country to return to Canada earlier than scheduled, if possible.

   If a plan member is currently travelling abroad and is experiencing symptoms or is hospitalized with suspicion of the coronavirus, they should contact Travel Assist at the numbers listed below for assistance and to confirm their coverage.

   • Toll-free Canada/USA: 1.800.321.9998
   • Global call collect: 519.742.3287
   • Allianz Global Assistance ID #9089

   We will continue to update you as the situation develops.

   We will update the announcement on our Plan Member website to reflect this change.

   We apologize for any confusion or inconvenience our earlier announcement may have caused.

   *Indicates content that will be shared with your clients

10. 5 topics to discuss with large case clients Are you working with high-net-worth business owner clients? It’s important to ask the right questions to get them interested in learning how corporate-owned life insurance might benefit their situation.
    
    Here are a few suggestions from our large case team:
    1. Capital Dividend Account: Are you taking full advantage of your company’s Capital Dividend Account for your family?
    2. Cash flow and surplus: Do you have surplus cash or cash flow in your corporation? Why is it there? If it is for tax deferral, would you like to make some or all of that deferral permanent?
    3. Legacy: What do you want to happen to your business when you’re no longer there? How much of what you have built do you want to preserve for your family? How much will be preserved?
    4. Shareholder’s agreement: Do you have a shareholder’s agreement? How is it funded? Does it deal with triggering events like death, disability, and retirement?
    5. Worse-case scenarios: If you were not able to show up at your business for 3 months, and no one expected it, what would happen? What would creditors, customers, suppliers, and employees do?
    
    Visit our large case webpage and watch Ask our Experts to learn more about the importance of careful planning when it comes to corporate policy ownership.