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1. [docx] Client Letter Advisor Disclosure Combo
2. [pdf] Equitable Generations Client Guide
3. Choosing the right funds
4. 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.
5. Equitable Generations at a glance
6. Reminder: Deadline to opt out of Alberta biosimilar coverage changes

   In November 2020, we announced via eNews that on March 15, 2021, we are changing coverage for some biologic drugs in Alberta in response to the province’s Biosimilar Initiative. These changes will help protect your client’s plans from additional drug costs while still providing access to equally safe and effective biosimilars.

   Do my clients need to take any action?

   Traditional groups who wish to opt out of this change and maintain coverage of these originator biologics for Alberta plan members can submit a policy amendment. Amendments must be submitted no later than January 15, 2021.

   Advisors with myFlex Benefits clients who wish to maintain coverage of these originator biologics for Alberta plan members should speak to their myFlex Sales Manager to confirm their eligibility to opt out of this change.

   Otherwise, no action is required on their part. Plan members taking these biologics will be contacted directly to allow them ample time to change their prescription. Any cost savings associated with the change will be factored in at renewal.

   Questions?

   We have compiled a list of frequently asked questions to help you understand Alberta’s Biosimilar Initiative. If you have a question that isn’t answered here, please contact your Equitable Life Group Account Executive or myFlex Sales Manager.

7. Product Enhancements - Critical Illness Equitable Life has exciting product enhancements that will help you offer more options to clients. 
   
   Access our Virtual Product Launch NOW. Grab a coffee and get ready for this exciting news! Hear from our leaders and learn about our exciting product enhancements.
   
   NEW! EquiLiving plans and riders enhanced with:
   • 20 pay options with coverage to age 75 or coverage for life
   • Support from Cloud DX to help monitor a client’s well-being from treatment to recovery.
   • Added Acquired Brain Injury as a covered critical condition 
   • 30-day survival period removed for all non-cardiovascular covered conditions
   • No age restriction to claim for Loss of Independent Existence (LOIE)
   • EquiLiving Benefit now pays the higher of the EquiLiving Benefit or the Return of Premium Rider Benefit (not including Return of Premium on Death)
   • And so much more …
   New Illustration software available on February 11, 2022 
   The updated illustration software will be available for download after 9 a.m. ET on Friday, February 11, 2022, and will include all the Equimax and EquiLiving enhancements.
   
   See the Equitable Sales Illustrations Update for information on how to download the software or check for updates. 
   
   Please review updates to the commission schedule A for these new enhancements.
   
   Learn more
   • Transition rules are available
   • Watch our virtual launch event video now! (Approx. 20 minutes)
   • Watch our product launch intro video here
   • Visit our launch event page with product change details and more here
   • Marketing Materials
   Get ready to make 2022 your best year yet for your sales! 
   
   Please contact your Regional Sales Manager for more information. 
8. Make your next audit a breeze

   New – Online CE Course: Ensuring a Compliant, Needs-based Insurance sale

   
   When regulators and auditors come knocking on your door, make sure you are prepared. Well documented, needs-based sales evidence may help protect you and demonstrate that you were acting in your clients’ interest. 
   
   Make your next audit a breeze with the tips you will learn in this course and earn CE credits at the same time (AIC, Advocis and ICM credits available only). 
   
   “The Approach” to supporting suitable, needs-based sales
    
   The CLHIA recommends six supporting elements to make a suitable, needs-based sale. Equitable^® created this reference presentation, “Ensuring a Compliant, Needs-based Insurance Sale” that leverages The Approach to explain the requirements for each step, along with the documentation to retain in the client file.
   
   Get started now
   
   A few important notes:
   ● This program is hosted on Teachable: https://equitable-life-education.teachable.com/ 
   ● Username: Please use your email that you are contracted with.
   ● Password: Equitable
   ● Please use Google Chrome to access the courses.
   
   
   
   Looking for more CE accredited training courses?
   
   Check out our new individual insurance online learning centre on EquiNet^® to stay up to date on new courses and find out more information on the topics provided. 
   
   Questions?
   Contact your local wholesaler.
   
   Are you having trouble logging in?
   Email equitablelifemarketing@equitable.ca for assistance.
   
    
9. Universal life product linked interest option changes
   
   On July 1, 2025, we will be changing the index that is tracked for the linked interest options shown far below.
   
   Clients can change their investment options at any time if they choose. This includes the Linked Interest Option(s) for money currently invested and future deposits.
   
   Requests for this change can be done:
    
   • In writing – Submit the Reallocation and transfer of funds – universal life form (form 693UL).
   • Online by advisors – Go to Policy Inquiry on EquiNet^® (advisor site).
   • Online by clients – Links in Client Access® through Equitable.ca.
   Please contact your Equitable^® Wholesaler for more information. 
    

   Linked Interest Option	Universal life insurance solution	Currently tracking	Effective July 1, 2025
   Canadian Equity Index	• Equitable GenerationsTM	S&P/TSX 60® Total Return Index	S&P/TSX Composite® Total Return Index
   Canadian Equity	• Equation Generation® IV • EquiLife® • Equation Generation III • Equation Generation II • Equation • Direction 2000 Plus

   
   S&P/TSX® 60 Total Return Index and S&P/TSX Composite® Total Return Index registered trademarks of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and S&P Global. All others are registered trademarks of The Equitable Life Insurance Company of Canada.
    
10. New internal transfer enhancement available on Equitable’s EZcomplete

    Advisors will now notice a new internal transfer enhancement in EZcomplete®, Equitable’s online application platform — and it’s designed to make life a whole lot easier. With this update, moving a client’s funds from an existing Equitable® segregated fund contract into a new Equitable Guaranteed Investment Funds™ contract is now faster, smoother and far more intuitive. 

    Here’s what you can expect: 

    • A clear, consolidated view of clients’ current contracts. 

    • Key details — like product type, current market value, sales charge and Guaranteed Interest Account terms — displayed right up front. 

    • Options to complete full or partial transfers. 

    • Helpful alerts that guide you through each step and help prevent mistakes. 

    Everything you need to complete an internal transfer is now in one spot — no more digging through old statements or searching for external documents. It’s a more streamlined, transparent experience for both you and clients. 

    You can access the enhancement directly within EZcomplete (Individual Wealth).  
     

                           
     

    If you have questions, speak with your Director, Investment Sales or Advisor Services Team Monday to Friday, 8:30 a.m. – 7:30 p.m. ET at 1.866.884.7427, or email individualwealth@equitable.ca. 

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