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1. Let’s “Talk Money”: Helping clients feel better about their finances This November is Financial Literacy Month, and the theme is simple but powerful: “Talk Money.” The goal is simple—get Canadians talking about money. When people open up about budgeting, debt, or financial stress, they feel more confident and less alone.
   
   Money and mental health are connected
   Many Canadians feel stressed about money. That stress can affect their mental health. As an advisor, you can help by starting honest conversations. When clients talk about their worries, they’re more likely to take action and feel better.
   
   How advisors can help
   You don’t need to be a therapist. Just listen, ask questions, and offer simple steps. Here are a few ideas:
   
    
   • Ask how clients feel about their finances.
   • Share stories of others who overcame money stress.
   • Celebrate small wins, like setting a budget or saving a little more.
   • Use Equitable’s online learning modules to equip yourself with knowledge to help support client goals.
   • Watch our on-demand webcast: How to stay grounded in a changing world: Supporting financial and mental well-being
   
   Let’s talk money
   Talking about money helps people feel stronger and more in control. This month, let’s help clients open up, take action, and build better habits—financially and emotionally.
   
   If you have any questions, feel free to reach out to your Director, Investment Sales.
2. [pdf] DUCA Credit Union Lending Arrangement
3. NEW MARKETING MATERIAL! Equimax Participating Whole Life, Strong and Stable Dividends Participating whole life policyholders can get some of the participating account earnings back as dividends.^₁
   
   Dividend scales change over time. This new marketing piece shows how the actual values of policies look like against those that were estimated. It looks at two sample policies and compares them to the original sales illustrations. One example shows an Equimax Estate Builder^® policy. The other example shows an Equimax® Wealth Accumulator^® policy.
   
   We are proud of our strong and stable dividend results. We have paid dividends to our participating policyholders every year since 1936. And we’re still going strong!
   
   We want to make sure that we can continue to provide long-term income and growth to support the dividend scale and meet the product guarantees. We do this with constant focus on how we invest and manage risk to support the participating account.
   
   As a mutual life insurance company, we are owned by our policyholders who count on us and our services. Their trust in our knowledge, experience, and financial strength helps us keep our commitments to them—now and in the future.
   
   Dividend scales may change.² But with a balanced approach, Equitable Life’s Equimax® Participating Whole Life continues to deliver excellent value. It gives guaranteed life insurance protection with the potential for earnings.
   
   Want to learn more? Check out our new marketing piece: Equimax Participating Whole Life, Strong and Stable Dividends (2075).
   
   For more information, reach out to your local wholesaler.
    
    
   
   ^® and ^TM denote trademarks of The Equitable Life Insurance Company of Canada.
   ¹ Dividends are not guaranteed and are paid at the sole discretion of the Board of Directors. Dividends may be subject to taxation. Dividends will vary based on the actual investment returns in the participating account as well as mortality, expenses, lapse, claims experience, taxes, and other experience of the participating block of policies.
   ² If low interest rates continue, investment returns will be lower, and this may mean decreases in the dividend scale in the future. Dividend payments are not guaranteed, but they will never be negative.
4. 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
5. 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!
6. Disability Waiver of Premium Requirements
7. [pdf] Payout Annuities Product at a Glance
8. COVID-19 Group Benefits Updates