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1. Have you heard about Equitable Client Access?
   Equitable Client Access^® allows clients to self-serve on some of the more popular requests. Thousands of clients have already signed up for Equitable Client Access and are enjoying the benefits of accessing their secure information 24/7.
   
   •   Does your client need to change or stop existing Pre-Authorized payment (PAD)? Equitable Client Access can do that.
   •   Does your client need to change a withdrawal date for a PAD? Equitable Client Access can do that too.
   •   Address or banking information changes? Equitable Client Access has your clients covered.
   •   Does your client need to change her beneficiary from Aunt Flora to Uncle Ned? Equitable Client Access can even do that.
   
   Equitable Client Access is a secure online client site that connects clients with policy information, right at their fingertips. In addition to the self-serve features, Equitable Client Access can also provide:
   
   •    Insurance coverage and guarantees
   •    Investment allocation, performance and market values
   •    Transaction history
   •    Statements and letters
   •    Advisor contact information, along with so much more.
   
   
   If your clients have not signed up for Equitable Client Access, direct them to client.equitable.ca - it only takes a few minutes to set up an account, and connects your clients with their policy information online – anytime!
   
   Have a question about Equitable Client Access? Want to tell your client how to go paperless? Check out our updated FAQ or contact your Regional Investment Sales Manager today.
    
2. [pdf] Equinet FAQ
3. EquiNet-FAQ
4. 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.
5. [pdf] Equitable Guaranteed Investment Funds – Estate Class
6. Quickly calculate first home savings with Equitable Have clients thinking about buying a first home? Equitable^® has a calculator that can help.
   
   Check out our new First Home Savings Account (FHSA) calculator to see how much clients could save. It’s simple to use and shows how money can grow when invested in an Equitable FHSA.
   
   With the calculator, you can:
      •  Show clients how much they might save
   •  Demonstrate how savings can grow over time
   •  Motivate clients to reach their goal
   
   Try the FHSA calculator with clients today. Want to learn more? Talk to your Director, Investment Sales.
   
   Date posted: September 8, 2025
   
    
7. Advisor Guide
8. Sharpen your skills with Equitable’s Path to Invest summer learning modules

   Want to stay ahead, bring more value to clients, and earn Continuing Education (CE) credits?

   Equitable^® now offers new online summer modules to help you grow your financial knowledge. These self-paced Path to Invest modules are available on our ON24 platform. You can learn on your own schedule and earn CE credits with ease.

   Whether you want to boost your investment skills or have better client conversations, these courses are here to support your growth.

   The first module, Index Investing, explores the basics of index investing, how it compares to active management, and how using indexes can help diversify client portfolios.

   The second module, Saving for a Home with Equitable, equips you with strategies and tools to guide clients through the homebuying journey, including insights on savings vehicles, intergenerational wealth transfers, and mortgage planning.

   Each course is approved by the Alberta Insurance Council and the Insurance Council of Manitoba. You will earn 1 CE credit for each course after passing the quiz.

   Start learning today! Visit our Learning Centre to begin. 
   
   If you have any questions, reach out to your Director, Investment Sales. When we work together, success is mutual.

   
   Continuing Education Credits
   To be eligible for CE credits, you must register individually, watch the webcast in full and complete a short quiz. These webcasts are available in English only. It is the advisor's responsibility to ensure Continuing Education credits being offered are accepted by the licensing body. Alberta Insurance Council (AIC) credits are valid in Yukon, British Columbia, Alberta, Saskatchewan, Ontario, New Brunswick, Prince Edward Island and Nova Scotia. Insurance Council of Manitoba (ICM) credits are valid in Manitoba only.
   
   Date posted: July 17, 2025

9. Equitable Life Group Benefits Bulletin – December 2021 In this issue:
   • Supporting plan members affected by the flooding in Nova Scotia and Newfoundland*
   • Update: Changing certificate numbers on EquitableHealth.ca*
   • Help plan members take advantage of convenient digital options*
   • Ontario optometrists and government to restart negotiations*
   • QDIPC updates terms and conditions for 2022*
   *Indicates content that will be shared with your clients

   Supporting plan members affected by the flooding in Nova Scotia and Newfoundland*

   The recent flooding in Nova Scotia and Newfoundland is having a devastating impact on the province’s residents.
   
   Here are some of the ways we can help support your clients’ plan members who are affected by the flooding.
    
   Prescription refills
   Until Dec. 31, our pharmacy benefit manager, TELUS Health, will allow early refills for plan members who have been evacuated and/or lost their medication due to the flooding.
    
   Replacement of medical or dental equipment and appliances
   If plan members in Nova Scotia or Newfoundland need to replace any eligible medical or dental equipment or appliances (e.g. prescription eyeglasses, dentures, etc.) due to the flooding, they can call us at 1.800.265.4556 before incurring additional expenses to see how we can support them.
   
   Disability or other benfit cheques
   If plan members affected by the flooding are receiving disability benefits or other benefit reimbursements by cheque, they can visit www.equitable.ca/go/digital for easy instructions on how to sign up for direct deposit. It’s easy and takes just a few minutes. They can call us at 1.800.265.4556 if they need help. We can also arrange for a different mailing address or replacement cheques if necessary.
    
   Mental Health Support
   A natural disaster can also take a serious toll on people’s mental health. All of our plan members have access to the Homeweb online portal and mobile app, including numerous articles, tools and resources designed to provide guidance and support in difficult times. Homewood has put together some suggestions on how to help employees affected by a natural disaster. 
    
   For your clients with an Employee and Family Assistance Program, remind them that their plan members have 24/7 access to confidential counselling through a national network of mental health professionals. Whether it’s face-to-face, by phone, email, chat or video, plan members will receive the most appropriate, most timely support for the issue they’re dealing with.
    
   If a client wishes to add the EFAP to their plan, we can do this quickly – often in just a few days. Simply contact your Group Account Executive or myFlex Sales Manager.
    
   Plan Administrator support
   We realize that the flooding may also be having an impact on the regular business operations of your clients in Nova Scotia and Newfoundland. If any of your clients are unable to carry out day-to-day plan administration, they can call us at 1.800.265.4556 to see how we can support them.
    
   We know this is a challenging time for many of your clients and their plan members. We will continue to monitor the situation and provide additional updates as appropriate. 
    

   Update: Changing certificate numbers on EquitableHealth.ca*

   Effective Dec. 10th, plan administrators will no longer be able to update or change plan members’ certificate numbers on EquitableHealth.ca. This change will ensure we can manage these changes more effectively to provide a smoother plan member experience.
    
   If your clients need to update a plan member’s certificate number, please have them reach out to Group Benefits Administration for assistance at groupbenefitsadmin@equitable.ca.
    

   Help plan members take advantage of convenient digital options*

   We have several digital options available to make it easier for your clients to do business with us and for their plan members to access and use their benefits plan.
    
   To help build awareness among plan members, we’ve created two posters that your clients can post on their intranet sites or in their office. The posters provide easy instructions on how to activate our secure, digital options.
    
   Please click on the links below to download the posters.
    
   EquitableHealth.ca posters:                                         EZClaim mobile app posters:
   EquitableHealth.ca English                                             EZClaim mobile app English poster                   
   EquitableHealth.ca French poster                                  EZClaim mobile app French poster
    

   Ontario optometrists and government to restart negotiations*

   The Ontario Association of Optometrists (OAO) announced it has paused its job action and will restart negotiations with the Ontario Ministry of Health on funding for optometry services.
    
   In September, Ontario optometrists began withholding services from patients covered by OHIP, including children, senior citizens and other patients with certain medical conditions, after negotiations with the Ministry of Health over compensation broke down.
    
   Residents of Ontario between the ages of 20 to 64 who aren’t eligible for coverage of eye services under OHIP were not affected by the job action. They were able to continue to receive eye exams from their optometrist and submit eligible claims to their benefits plan.
    

   QDIPC updates terms and conditions for 2022*

   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 2022 to reflect trends in the volume of claims submitted to the pool, particularly catastrophic claims.
    

   Size of group (# of certificates)	Threshold per certificate 2022	Annual factor (without dependents	Annual factor (with dependents)
   Fewer than 25	$8,000	$276.00	$771.00
   25 – 49	$16,500	$188.00	$527.00
   50 – 124	$32,500	$97.00	$328.00
   125 – 249	$55,000	$66.00	$223.00
   250 – 499	$80,000	$51.00	$173.00
   500 – 999	$105,000	$39.00	$153.00
   1,000 – 3,999	$130,000	$34.00	$133.00
   4,000 – 5,999	$300,000	$18.00	$71.00
   6,000 and over	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.
10. [pdf] Corporate Preferred Estate Transfer using universal life