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1. Earth Day: A simple way to talk about sustainable investing Earth Day is a great time to talk with clients about investing with purpose. This year’s theme—Our Power, Our Planet—highlights the impact of individual and collective choices, including how we invest.
   
   Many Canadians are interested in sustainable investing, which looks at environmental, social, and governance (ESG) factors alongside long term returns. Clients want to understand how the power of their money can support positive change—without sacrificing performance. Sustainable investing can look at things like reducing carbon impact, supporting fair workplaces, and encouraging strong company leadership.
   
   Watch out for greenwashing
   Not all investments labeled “sustainable” are the same. Some products may use the term without real environmental efforts or strategies. This is known as greenwashing.
   That’s where advisors can add value. By understanding how funds are built and what they hold, you can help clients make informed choices they feel confident about.
   
   How Equitable can help
   Equitable^® offers sustainable investing fund options that include ESG considerations as part of a disciplined investment approach. Take this opportunity to review available options and fund details.
   
   You can also support sustainability through how you work with clients. Equitable’s paperless tools help reduce paper consumption and improve efficiency:
   •    Equitable Client Access^® for online account viewing
   •    EZtransact^® for fast, digital transactions
   •    EZcomplete^® for easy, paper free applications
   
   Take action
   Earth Day is a great time to:
   •    Start simple conversations about sustainable investing
   •    Share Equitable’s sustainable fund options with clients
   •    Promote paperless tools that are better for clients and the environment
   
   Small steps—done consistently—can make a meaningful difference for clients and the planet. If you have questions, speak with your Director, Investment Sales.
   
   Date posted: April 22, 2026
2. [pdf] Payout Annuities Client Brochure
3. [pdf] Claimant Statement for Individuals
4. 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!
5. A New Universal Life Insurance Solution for the 21st Century – Available NOW! Introducing a new universal life solution built for the 21st century: Equitable Generations™ universal life insurance is available for sale NOW!

   
   Check out our Equitable Generations universal life splash page: www.equitable.ca/ul

    
   Our new Equitable Generations universal life insurance
   Equitable Generations is a universal life product that offers investment options that resonate with today’s 21^st century client while reducing every fee possible. It also reduces the cost of insurance to help clients maximize their opportunity to purchase coverage and build tax-advantaged wealth.
   
   NEW: EZstart^TM Generations
   Today we are launching EZstart Generations which is:
    
   • A mobile-optimized tool for advisors
   • Designed to start a conversation and provide a possible universal life solution in under one minute
   • Goals based - you can see how Equitable Generations™ universal life insurance can perform at different stages of a client’s life.
   Give it a try and use this tool as you are starting the conversation about universal life solutions with clients. EZstart links directly to the EZcomplete® online application for an easy digital experience.
    
   NEW: SMS
   Effective today, September 26, 2022 when you submit an application, you can opt-in to receive text message updates for your new business applications.
   That’s a text message when:
   • The application is received,
   • A decision has been made by Equitable Life,
   • The policy is ready for delivery, and
   • The commissions have been triggered.
   Please note, this number is not monitored for incoming texts. Please contact Customer Service with any questions.
   Learn more
   
   Find all the exciting details on our virtual launch splash page (www.equitable.ca/ul) and watch our informative videos to get all the information you need to start selling Equitable Generations universal life.

   
   Check out our Equitable Generations universal life splash page: www.equitable.ca/ul

   
   Click on the Marketing Materials tab on EquiNet® for all of our new Equitable Generations marketing materials.

   Please contact your Regional Sales Manager for more information. 

    
   ^TM and ® denote trademarks of The Equitable Life Insurance Company of Canada. 
    
    
6. Total Cost Reporting: understanding what's coming next
7. Policy change begins eDelivery of contracts and documentation Effective February 16, requested contract changes for inforce Life policies will be completed as per our usual process. However, the contracts and documentation will now be sent out electronically.
    
   We are leveraging the same electronic delivery solution as the New Business process currently in place. An acknowledgement or e-signature will be required to electronically complete the requested change.
    
   Advisors/MGA and Policy Owners will receive an e-mail notification when review, acceptance or eSignature are required.
    
   Looking for more information?
   Additional details regarding the process can be found here and in the FAQ.
   Please contact your Regional Sales Manager if you have any questions.
8. Equitable Life Webcast Series featuring Fidelity Investments

   
   Equitable Life^® continues to spotlight various aspects of our competitive fund lineup and product offerings. This series gives advisors an opportunity to:

   • learn more about products and product features,

   • hear from industry professionals,

   • learn about investment strategies; and so much more.

   
   
   
   In this webcast, we welcome
   
   
   
   Join us to learn about the Equitable Life Fidelity^® Climate Leadership Balanced Fund Select and Equitable Life Fidelity^® Climate Leadership Fund Select now available in Pivotal Select^TM Investment Class (75/75). Learn about the funds’ people, process, philosophy, and performance.

   
   Learn more
   
   You won’t want to miss it!

9. Submit transfer forms automatically with EZcomplete!

   
   Save time, effort and the hassles of transfer forms with EZcomplete^®!

    
   
   
   
   
   
   
   
   
   
   
   
   
    
   
   
   With EZcomplete you can now automatically submit transfer forms to the relinquishing institution online quickly and easily.* 
   
   1. Pick the name of the relinquishing institution
   2. Choose the e-signature option
   3. Save the transfer form for your records  
   
   Easy as 1-2-3!
    

   Want to take EZcomplete for a test drive? Play around in the sandbox with a demo client account.	Ready to start with the real thing? Submit your transfer form request today.
   Take me to the sandbox	Take me to EZcomplete

   
   * Available for e-signatures only
   ^® denotes a trademark of The Equitable Life Insurance Company of Canada.
   December 6, 2022
    

10. Submit transfer forms automatically with EZcomplete!

    
    Save time, effort and the hassles of transfer forms with EZcomplete^®!

    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
     
    With EZcomplete you can now automatically submit transfer forms to the relinquishing institution online quickly and easily.* 
    
    1. Pick the name of the relinquishing institution
    2. Choose the e-signature option
    3. Save the transfer form for your records  
    
    Easy as 1-2-3!
     

    Want to take EZcomplete for a test drive? Play around in the sandbox with a demo client account.	Ready to start with the real thing? Submit your transfer form request today.
    Take me to the sandbox	Take me to EZcomplete

    
    
    * Available for e-signatures only
    ^® denotes a trademark of The Equitable Life Insurance Company of Canada.
    
    December 6, 2022