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1. Fiera Capital
2. Convertibility - The Power of Term
3. Elite Advisor Program

   At Equitable^®, we believe that when we grow together, success is mutual. Our Elite Advisor Program recognizes our top investment advisors and provides unique benefits to support your business.
   
   This year, we have enhanced our Program to offer more valuable resources and opportunities to help you thrive.
   
   • Marketing and event support, and
   • invitations to our Business/Advisor Practice Support conferences for Platinum and Diamond production levels.
   
   
   
   
   While maintaining great benefits like:
   • Increased bonus rate on our Step Up Your Wealth Sales Program for Elite Advisor re-qualifiers¹.
   • Enhanced services including access to a priority phone line and a dedicated inside sale representative.
   
   You can check out all the details here.
   
   If you have any questions, you can reach your Director, Investment Sales.

    

   ¹Elite Advisor re-qualifiers are advisors who attained Elite Advisor status in2024 and 2025.
   Equitable reserves the right to end or alter the Elite Advisor Program and/or the Step Up Your Wealth sales campaign at any time and without notice.
   ® or TM denotes a trademark of The Equitable Life Insurance Company of Canada

4. Help your clients this tax season with Equitable Life
   It is tax time, and your clients should be receiving tax slips and deposit receipts by now. Check out the Tax Slips: A Quick Reference Guide which gives a taxation breakdown by product. Review Insights into Non-Registered Taxation that offers a detailed explanation on investment income, and why T3 tax slips generate on non-registered segregated funds. Does your client have questions about contribution limits? Retirement Income Fund minimums? or Canada pension maximums? Check out Equitable’s handy 2022 Facts & Figures guide.
   
   Did your clients sign up for tax slips on Equitable Client Access before December 31, 2021?
   If so, your clients can download or print their tax slips quickly and easily from their Equitable Client Access Inbox.
    
   For questions, contact Equitable's Advisor Services Team Monday to Friday, 8:30 a.m. – 7:30 p.m. ET at 1.866.884.7427 or by email at savingsretirement@equitable.ca. or your Regional Investment Sales Manager.
5. [pdf] Activate your group benefits account
6. EAMG Market Commentary July 2024
   Rates & Credit – In Q2 2024, U.S. inflation and economic growth data was mixed, leading to moderately higher interest rates in the U.S. Meanwhile, in Canada, long-end interest rates were little changed during the quarter, but short-term interest rates fell. That was due to the weaker economic outlook, as well as the Bank of Canada’s decision to reduce its overnight interest rate in June, with anticipation of further monetary policy easing to come. Canadian corporate bonds returned 1.1%, outperforming the 0.8% return of government bonds as well as the 0.9% return for the overall FTSE Canada Universe Bond index. Shorter-dated bonds outperformed longer-dated bonds.  Within corporate bonds, lower-rated BBBs outperformed higher-rated A bonds, while industries that have shorter-dated debt (e.g. real estate and financials) outperformed those that tend to have longer-dated debt (e.g. communications and infrastructure).
   
   Equity Overview – Against the backdrop of volatile inflation data and a lack of indication from the Federal Reserve that it was prepared to start cutting interest rates yet, U.S. equity markets decoupled from other regions. Crowding into AI-focused, mega-cap names accelerated in Q2. More specifically, investors defaulted toward the Magnificent 7 to navigate the current period, overlooking broadening earnings breadth and less expensive valuations from the remaining S&P 493. Outside the U.S., equity returns were generally mundane in dollar terms. That said, emerging markets proved to be a bright spot for investors seeking value, as the rebound in heavily discounted Chinese equities helped push frontier markets higher.
   
   U.S. Fundamentals – Corporate earnings continued to surpass expectations last quarter with stable operating margins helping businesses report better-than-expected bottom line results. Investors remain focused on the ability of companies to sustain debt levels ahead of renewing debt obligations, rewarding businesses with a strong ability to generate stable cash flows. Moreover, while prior quarters have witnessed earnings growth that was largely driven by highly profitable mega-cap technology stocks, U.S. markets are witnessing a broadening trend in earnings strength, with previously stunted segments of the market recovering. Our work shows that members of the Russell 1000 index, excluding the Magnificent 7, posted a median earnings growth of about 6% last quarter, with nearly 60% of companies increasing earnings versus the year prior. Furthermore, we observed an increase in the number of major companies that expect improving financial performance to approximately 27%, suggesting that the recovery in earnings breadth may persist.
   
   U.S. Quant Factors – As mentioned, concentration in the equity market drove a surge in valuations as investors continued to chase specific mega-cap technology stocks. In fact, within the Russell 1000 growth factor – which screens for companies whose earnings are expected to grow at an above-average rate relative to the market – the Magnificent 7 totaled nearly 55% of the entire index by quarter-end. In addition, the Nasdaq 100 – which is generally viewed as a technology-biased index – saw the weight of the Magnificent 7 rise to almost 43% of the entire index by the end of the quarter. Furthermore, the equal-weighted S&P 500 underperformed the cap-weighted index by nearly 7% last quarter, bringing the year-to-date divergence to about 10%. With concentration accelerating, the cap-weighted index outperformance has soared past Covid-era levels, a period that saw investors rapidly crowd into profitable technology names due to panic and economic uncertainty. We remain cautious of a severely crowded market that trades near all-time highs as strong performance from 5-7 names distorts the overall stature of market conditions.
   
   Canadian Fundamentals – Although Canadian companies exceeded bleak forecasts, earnings continue to contract on a year-over-year basis. Furthermore, earnings revisions have grinded lower with easing monetary conditions unable to offset concerns of a slowing economic environment. We note the sharp contrast versus the U.S. as the bifurcation of earnings performance widens. The CRB Raw Industrials Index, a measure of price changes of basic commodities, broke out of recent ranges as metals rallied higher despite a stronger U.S. dollar and elevated interest rates. The mining industry benefited from a sustained elevation in prices, helping the materials sector outperform over the quarter. Returns from the heavily-weighted Canadian banks were constrained last quarter with company-specific drivers – including regulatory challenges from TD, and underwhelming U.S. results from BMO – limiting performance. More broadly, the banks continue to build prudent credit provisions to mitigate uncertain economic forecasts and remain well capitalized.
   
   Canadian Quant Factors – With investors remaining attentive to businesses’ ability to create value relative to financing costs, we see value in high quality, dividend-paying companies with strong earnings sustainability and a healthy degree of leverage. Based on our work, investors of the Canadian banks appear well compensated, with the current premium between value creation and current yield remaining compressed. In our opinion, the market has modest expectations regarding prospects for value generation from the banks and, therefore, we believe the industry stands to benefit if the premium reverts closer to historical norms. We also continue to see sources of quality dividend opportunities within certain areas of the energy sector. More specifically, we believe companies that have taken steps to improve their balance sheets through deleveraging efforts, and with improved operating leverage, offer attractive prospects given their stable and high-yielding composition.
   
   Views From the Frontline
   
   Rates – During the first half of the second quarter, interest rates in both Canada and the U.S. increased, continuing the upward momentum from Q1. Higher-than-expected inflation data in the U.S. along with mixed economic growth data caused investors to push out expectations for when the U.S. Federal Reserve would start lowering its interest rate. This trend shifted in the second half of Q2, as positive economic momentum slowed in the U.S. economy and inflation data began to soften.  Interest rates in Canada declined more rapidly than in the U.S. due to more benign inflation, a weaker job market, and economic growth remaining below population growth. This economic weakening provided the confidence required for the Bank of Canada to cut rates by 25 basis points in June to 4.75%.  The Bank also signaled that if inflation continues to ease and the Bank’s confidence grows that inflation would continue to trend toward its 2% inflation target, it is reasonable to expect further cuts. The second quarter marked a pivotal point for the global policy easing cycle. Sweden, Canada, and the European Central Bank all began lowering their policy rates, and Switzerland made a second rate cut, following one in Q1.  The market continues to speculate on the timing of the U.S. Federal Reserve’s first rate cut.  Interest rate cut expectations are largely unchanged in Canada since last quarter, with a total of three rate cuts expected throughout 2024. Expectations for the rate cuts by the U.S. Federal Reserve declined slightly, however, to two cuts in 2024.
   
   Credit – The risk premium for corporate bonds (versus government bonds) was largely flat over the quarter, with spreads approaching the tight post-pandemic levels experienced in 2021.  Corporate bond supply continues to be very robust, with $41bn in new issuance.  Year-to-date, corporate issuance has set a new record, with an impressive $80bn in issuance.  On balance, we do not think the current risk premium adequately compensates for downside risk, particularly in longer-dated corporate bonds, and have a bias towards shorter-dated credit where we view the risk / reward trade-off as being more favourable.
   
   Equity – On the backdrop of a heavily concentrated U.S. market rally, we remain cautious of the distortion to market returns from high-flying technology stocks. As a result, we continue to favour a combination of the Dow Jones Industrial Average and the S&P 500 for our broad U.S. market exposure. The Dow provides a more diversified exposure to 30 prominent large-cap companies and less concentration in technology relative to the S&P. Broadening earnings strength presents an opportunity for previously out-of-favour names to “catch-up”. In our view, companies outside the Magnificent 7 that have demonstrated robust earnings growth, strong cash flow generation, along with decreased debt loads, are well-positioned to benefit from internal market rotations. As such, we gain exposure to these companies through the quality factor – companies with higher return-on-equity, strong operating performance, and healthy leverage levels – and the dividend growth factor – businesses with a lengthy and established history of increasing dividends.
   
   In Canada, we remain attentive to how efficiently corporations are generating profits relative to financing costs. Looking forward, we continue to monitor the ability of businesses to generate profits given a decline in capital spending. More specifically, we are focused on businesses’ ability to grow and sustain dividends amid the lag between easing monetary conditions and consumption. Due to this, we observe value in higher yielding companies that are higher on the spectrum of quality. Geographically, we maintain our overweight U.S. exposure, underpinned by encouraging U.S. inflation data trends, broadening corporate earnings growth, and normalizing consumption. In addition, sluggish Chinese data and the lack of positive earnings revisions from EAFE tilt the risk-adjusted return profile in favour of the U.S. Lastly, as a Canadian investor, fluctuations in the Loonie’s relative value versus other major currencies continues to present tactical trading opportunities within our investment mandate.
   
   Downloadable Copy
    

   Mark Warywoda, CFA VP, Public Portfolio Management	Ian Whiteside, CFA, MBA AVP, Public Portfolio Management	Johanna Shaw, CFA Director, Portfolio Management	Jin Li Director, Equity Portfolio Management
   Tyler Farrow, CFA Senior Analyst, Equity	Andrew Vermeer Senior Analyst, Credit	Elizabeth Ayodele Analyst, Credit	Francie Chen Analyst, Rates

   
   ADVISOR USE ONLY
   
   Any statements contained herein that are not based on historical fact are forward-looking statements. Any forward-looking statements represent the portfolio manager’s best judgment as of the present date as to what may occur in the future. However, forward-looking statements are subject to many risks, uncertainties, and assumptions, and are based on the portfolio manager’s present opinions and views. For this reason, the actual outcome of the events or results predicted may differ materially from what is expressed. Furthermore, the portfolio manager’s views, opinions or assumptions may subsequently change based on previously unknown information, or for other reasons. Equitable^® assumes no obligation to update any forward-looking information contained herein. The reader is cautioned to consider these and other factors carefully and not to place undue reliance on forward-looking statements. Investments may increase or decrease in value and are invested at the risk of the investor. Investment values change frequently, and past performance does not guarantee future results. Professional advice should be sought before an investor embarks on any investment strategy.
   
    
7. Equitable Life Group Benefits Bulletin – October 2020

   In this issue:

   • Group benefits enrolment just got a lot easier*
   • Critical Illness added to myFlex Benefits® selection tool**
   • ASO dental available down to 3 lives
   • QDIPC updates terms and conditions for 2021*

   *Indicates content that will be shared with your clients
   **Indicates content that will be shared with myFlex Benefits groups only

   Group benefits enrolment just got a lot easier*

   Our Online Plan Member Enrolment tool now makes it simple to add new employees to the benefits plan.

   Enrolling new plan members can be overwhelming – for both you, your clients and their employees. It’s challenging to ensure plan members complete the necessary paperwork before the enrolment deadline, and time consuming to manually load new members.

   That’s why we’re updating our plan member enrolment experience. Beginning November 2^nd, 2020, all Equitable Life groups will be able to easily enrol new employees in the benefits plan with our Online Plan Member Enrolment Tool.

   Benefits of Online Plan Member Enrolment

   Our Online Plan Member Enrolment tool offers a more secure and efficient option to traditional paper enrolment. Employees are able to enrol in their benefits plan in just minutes from their computer or mobile device.

   The user-friendly interface was built with the plan member in mind. They can easily enter all their enrolment information, including dependent details, banking information for direct deposit of claim payments and details for coordination of benefits. They can even designate their beneficiary electronically.

   The online enrolment tool also lessens the effort for plan administrators to onboard new hires. The tool reduces errors and rework that can occur due to spelling mistakes or missing information on paper forms. And the days of chasing plan members for their paper enrolment forms are gone. Once they enter a few employee details, our system will automatically send out an email to each plan member, inviting them to enrol in their benefits program. And there will be no need to send reminders or follow up with employees about their benefits enrolment. It’s all done automatically.

   Online plan member enrolment is available to all traditional and myFlex Benefits plan administrators with update access beginning November 2^nd, 2020. Plan administrators just choose “New” from the “Certificate” view in EquitableHealth.ca to get started.

   This enhancement is for plan administrators who have update access on EquitableHealth.ca. If your clients are not sure if they have update access, they can contact their Equitable Life Client Relationship Specialist or myFlex Benefits Team for support.

   Learn More

   We’ve created Online Plan Member Enrolment User Guides to support your clients and their plan members with this new tool:

   • Online Plan Member Enrolment 1-page flyer
   • Plan Member Online Plan Member Enrolment Quick Reference Guide
   • myFlex Plan Member Online Plan Member Enrolment Quick Reference Guide

   We’re also offering a series of webinars to help your clients learn about Online Plan Member Enrolment. Plan administrators will receive an invitation with links to register for the time that best suits their schedule.

   Help your clients spend less time administering group benefits. Contact your Group Account Executive or myFlex Sales Manager to learn more about our enhanced online plan member enrolment.

   Critical Illness added to myFlex Benefits selection tool*

   For many employers, mandatory Critical Illness (CI) coverage is an important part of their group benefits package. It provides proactive protection against life-altering illness, helping give plan members and their families a sense of security.

   While CI is available on myFlex Benefits plans, it was not built into our benefits selection tool since there is no action required by the plan member.

   Beginning November 2^nd, 2020, we are adding a CI page to the myFlex Benefits selection tool that appears when this coverage is included as part of the plan. There are no options to choose – plan members simply review their CI coverage and carry on with the benefits selection process. It keeps the process smooth, while ensuring plan members fully appreciate their employer’s contributions.

   Adding CI to the benefits selection tool also simplifies the budgeting process for employers. Now that CI is included in the selection tool, employers no longer need to break out the amount billed for CI from their contribution per employee when loading flex allocations.

   To learn more about our myFlex Benefits selection tool or Critical Illness coverage for myFlex Benefits, contact your myFlex Sales Manager.

   ASO dental available down to 3 lives

   Beginning November 2^nd, 2020, groups with as few as three full-time employees will be able to self-insure their Equitable Life dental benefits with an Administrative Services Only (ASO) funding arrangement.

   Currently, dental benefits are only available on an ASO basis for groups with 20 lives or more.

   In an ASO arrangement, Equitable Life administers the benefits plan but does not insure it. The plan sponsor pays for all eligible claims, as well as the expenses of administering the plan.

   Why ASO?

   Choosing an ASO funding arrangement allows plan sponsors to save on premiums. With a traditional insured funding arrangement, a portion of every premium dollar includes a charge for the risk that the insurer is assuming to cover the claims.

   With an ASO arrangement, the plan sponsor assumes all risk, so they avoid the risk charge. And since dental claims are usually more predictable than other benefits, there is typically less risk involved in covering those claims.

   For more information, contact your Group Account Executive or myFlex Sales Manager.

   QDIPC updates terms and conditions for 2021*

   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 2021 to reflect trends in the volume of claims submitted to the pool, particularly catastrophic claims.

   Size of group (# of certificates)	Threshold per certificate 2021	Annual factor (without dependents)	Annual factor (with dependents)
   Fewer than 25	$8,000	$251.00	$691.00
   25 - 49	$16,500	$165.00	$455.00
   50 - 124	$32,500	$94.00	$258.00
   125 - 249	$47,500	$68.00	$187.00
   250 - 499	$72,000	$49.00	$135.00
   500 - 999	$95,000	$40.00	$111.00
   1,000 - 3,999	$120,000	$35.00	$95.00
   4,000 - 5,999	$300,000	$16.00	$44.00
   6,000 and over	Free market - Groups not subject to Quebec Industry Pooling	Free market - Groups not subject to Quebec Industry Pooling	Free market - Groups not subject to Quebec Industry Pooling

   We will apply the new pooling levels and fees to future renewal calculations that involve Quebec plan members.

8. March 2026 eNews

   In this issue:

   Equitable is adding nutrition app to all group benefits plans*
   Coming soon: One-time passcodes will be added to account login process*
   Standardized CLHIA disability form is now part of our disability claims submission package*
   Reminder: Review manual allocations for HCSAs and/or TSAs*
   Protecting clients’ plans from benefits fraud*
   
   *Indicates content that will be shared with your clients.
    

   Equitable is adding nutrition app to all group benefits plans

    

   Equitable is making healthy eating easier and more accessible for all group benefits plan members. Beginning in April, access to the RxFood mobile app will be added to every Equitable group benefits plan—at no extra cost.

    

   This will put personalized nutrition insights, practical tips and tailored recommendations at every plan member’s fingertips—helping them make more informed food choices that can either help prevent or manage chronic conditions, such as diabetes, high cholesterol and heart disease.

    

   What is RxFood?

    

   RxFood is Canada’s first clinically validated nutrition platform that’s used and trusted by leading health care institutions across the country, including SickKids Hospital, Diabetes Canada, Children’s Hospital of Eastern Ontario (CHEO) and more, to support better health outcomes through nutrition.

    

   While we can track many aspects of our daily health—steps, heart rate, sleep, and blood sugar—food is often overlooked. RxFood helps close that gap by using technology that’s powered by artificial intelligence (AI) to turn everyday meals into meaningful health insights.

    

   How it works

    

   A plan member takes photos of their meals with their smartphone. RxFood will analyze what's on their plate, from nutritional quality to portion sizes, then provide personalized feedback, easy-to-follow suggestions and recipes with ingredient options tailored to their budget.

    

   After a few days of logging, they’ll receive a comprehensive nutrition summary showing how their eating patterns align with their personal health goals, and where to go from there.

    

   Check out the following video to learn more about RxFood— and how Equitable is putting the power to eat healthy in the hands of plan members.

   
    

   Coming soon: One-time passcodes will be added to account login process

    

   This spring, Equitable will launch a new multi-factor authentication (MFA) security measure to further enhance our digital security. When our new feature takes effect, anyone logging in to EquitableHealth.ca® and the Equitable EZClaim® mobile app with an email address and password may be required to enter a one-time passcode they receive via email. This will further safeguard their account access and personal data.

    

   Keep it simple – create a passkey

    

   If you don’t want to enter a one-time passcode when logging into your account, you can skip this extra step all together by creating a passkey on your mobile device or computer.

    

   Passkeys are safe and provide a quicker, easier way to log in while also enhancing account security. They use either biometrics–your face or fingerprint–or a PIN authenticator to confirm your identity.

    

   If you create and use a passkey to log in, you won’t need to enter a one-time passcode.

   Learn more about passkeys. The set-up process is simple. The two videos below guide you through creating a passkey on both your mobile device and computer.

    

   Client and plan member communications

    

   We will share this information with clients and group benefits plan members before we introduce our new security measure. Please reach out to your Group Account Executive if you have any questions.

    
   
   
   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.
    

   
   Standardized  CLHIA disability form is now part of our disability claims submission package

    

   Clients with employees who are submitting short-term or long-term disability claims should be aware that we’ve changed one of the required forms in our disability claim submission package.

    

   The Canadian Life and Health Insurance Association’s (CLHIA) Initial Disability Insurance Medical Statement has replaced our Attending Physician’s Statement (APS) form.
   
   
   Our disability claim application packages on Equitable.ca and EquitableHealth.ca now include the CLHIA standardized form instead of our APS form. Our old form is no longer available on our websites.
   
   
   We will continue accepting our previous APS form for initiating disability claims for now. However, we’re encouraging clients to begin using the standardized form as soon as possible. Using a standardized form for disability claims across the group insurance industry helps reduce the administrative burden on physicians by simplifying the disability application process.
   
   
   If you have any questions, please contact your Group Account Executive.

   
   Reminder: Review manual allocations for HCSAs and/or TSAs

   
   If your client’s Health Care Spending Account (HCSA) and/or Taxable Spending Account (TSA) has manual allocations, they need to allocate these amounts to plan members each year.
   
   Plan administrators can update these amounts on EquitableHealth.ca. Here are the steps:

   • Select View certificate
   • Select Health Care Spending Account or Taxable Spending Account
   • Select Update Allocation in Task Center
   • Enter amount in Revised Allocation Amount
   • Override Reason – Plan Administrator Request
   • Select Save

   Plan administrators who have reporting capability can determine which plan members have a zero allocation by running the HCSA Totals by Plan Member report online. Here are the steps:

   • Select Reports
   • Select New
   • Select Next
   • Select HCSA or TSA Totals by Plan Member
   • Select Next
   • Enter end date of 12/31/2026
   • Select Next
   • Select Finish
   • View Report

   Your clients can also contact us at GroupBenefitsAdmin@equitable.ca for help with updating the amounts.
    

   Protecting clients’ plans from benefits fraud

   
   March is Fraud Prevention month – the perfect time for clients to educate their plan members on the consequences of benefits fraud.
   
   According to the Canadian Life and Health Insurance Association (CLHIA), benefits fraud costs millions each year and can contribute to higher premiums for plan sponsors.
   
   These resources can help clients and plan members prevent benefits fraud:

   • CLHIA’s free 15-minute Protect Your Benefits online course for plan administrators and their members
   • CLHIA’s Fraud is Fraud program, including their FAQs on benefits fraud
   • CLHIA's 10 tips to 'Protect your benefits' for plan members

    

   How we protect against benefits fraud

   
   Our Investigative Claims Unit (ICU) uses a range of techniques, including CLHIA‑led tools, to detect and prevent benefits fraud: 

   • Joint Provider Fraud Investigation Program: Allows insurers to collaborate on fraud investigations that affect multiple insurers.
   • Data Pooling Program: Pools data between insurers and uses advanced artificial intelligence (AI) to further identify and reduce benefits fraud.
   • Provider Alert Registry: Allows insurers to view the results of other insurers’ anti-fraud investigations into specific practitioners. 

   
   To learn more, contact your Group Account Executive.
9. Saving time with our fully digital group benefits application On May 1, 2023, we are launching Equitable BenefitsApply™, our fully digital group benefits application.
    
   This enhancement to the benefits application process will help both you and your clients save time when applying for an Equitable Life group benefits policy. We designed and developed BenefitsApply with input and feedback from several advisors and clients, who tested the tool for themselves.
    
   In most cases, BenefitsApply will replace our traditional paper implementation process.*
    
   BenefitsApply eliminates the need for clients to complete and sign multiple, lengthy paper forms. Time-saving features for you and your clients include:
   • A fully digital online application that you can access wherever and whenever you need it,
   • Pre-filled standard fields,
   • Only one signature required from plan sponsors,
   • A smart application that only includes the sections relevant to the client and the plan design they have chosen, and
   • Automatic notifications of any missing fields. 
   Your Client Relationship Specialist is available to support you, provide a demo and provide training on how to use BenefitsApply.
    
   We will continue improving BenefitsApply’s features based on feedback from the people who use it—you and your clients. We encourage you to share any feedback you have with your Group Account Executive or your Client Relationship Specialist.
    
   *BenefitsApply is currently available for groups with up to four divisions and up to four classes. It is not available for myFlex Benefits plans, or for clients with a customized master application.
10. New publication: CLHIA consumer guide for critical illness In February, the Canadian Life and Health Insurance Association (CLHIA) published a new consumer guide for critical illness. This guide covers what clients need to know about critical illness.
    
    Some of the topics include:
    ● What critical illness insurance covers in Canada
    ● If critical illness insurance is the right choice for a client
    ● What critical illness insurance policies may or may not include
    ● Plan types and offerings
    ● And more!
    
    Equitable is committed to helping clients make informed decisions about their insurance needs. You can find links to the CLHIA critical illness consumer guide on equitable.ca and through EquiNet > Individual Insurance > Critical Illness. You can also find a link to the CLHIA agent guide for critical illness on EquiNet.
    
    Share this with clients in addition to the great resources below!
    
    Critical illness insurance with Equitable video: View on Vimeo.
    
    Critical illness prospective letter template – simply fill it out and send off to your clients!
    
    Want to earn CE credits? Check out our Critical Illness Path to Success program.
    
    Need more information?
    Your Equitable Wholesaler is here to help!
    
    
    
    ^® and ^TM denote trademarks of The Equitable Life Insurance Company of Canada.