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1. NEW – Online courses for CE Credits from Individual Insurance Needing continuing education credits?
   Equitable^® is excited to introduce two new online courses focusing on Universal Life and Critical Illness insurance that provide immediate CE credits upon completion. The courses allow you to learn at your own pace and earn CE Credits quickly and easily. Both courses are accredited by AIC, ICM, the Institute, and La Chambre*.
    
   New courses:
   1) Where UL fits in your product portfolio
   2) Building your business with Critical Illness insurance
    
   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 that you are contracted with.
   ● Password: Equitable
   ● Please use Google Chrome to access the 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. While you’re there, don’t forget to take our Path to Success course!
    
   Questions?
   Contact your local wholesaler.
    
   Are you having trouble logging in?
   Email equitablelifemarketing@equitable.ca for assistance.
    
   
    
   *Please select the course with “QC credits” in the title for La Chambre credits.
   ^® or ™ denotes a trademark of The Equitable Life Insurance Company of Canada.
    
2. 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.
   
    
3. Things keep getting EZer with Equitable and EZtransact! Equitable® continues to make great strides with our digital self-serve tool, EZtransact^®. To keep this momentum, we’ve given EZtransact a fresh new look and feel, with additional transaction management changes and a new dashboard to enhance your online transaction experience! This refresh embraces our new brand, as we continue to focus on making it easier for you to do business with us.
   
   What’s new with this update?
   New dashboard for client search
   • The existing client search screen has been replaced with a new user-friendly dashboard.
   • Upon accessing EZtransact, all contracts associated with the user’s EquiNet ID will be displayed.
   • Users can refine the results and search by client name or contract number.
   Transaction management
   • Transactions submitted through EZtransact within the last 12 months are available, including their status.
   • Transactions that have received all signatures will now allow the user to download a copy of the signed request and any supporting documents uploaded by the user.
   • Transactions that are pending client signatures will allow the user to manage and track the e-signature process:
     • Signing packages can be resent to clients who have not completed their e-signature.
     • Clients can be unlocked through the dashboard if locked out due to too many invalid attempts.
   Signing process changes
   • Advisor and dealer/MGA stakeholders have been removed from signing information and review screens.
   • Users are no longer required to provide an email address for the dealer/MGA to submit a transaction.
   Get to know EZtransact and fast-forward your sales process. If you have any questions, please contact your Director, Investment Sales
   
   Date published: October 3, 2024
4. Here is what our advisors are saying about Equitable’s EZtransact

   You asked US to make EZtransact™ even easier, so we did. We asked YOU to tell us what you think, and you are! Here is what our advisors are saying about Equitable’s EZtransact:
   
   “EZtransact puts Equitable above all our product partners! This was so easy! Thank you!” - Michelle Rolston
   
   
   “You've done an amazing job with the forms that are so easy to deal with now! Thank you”. - Jane Hanson
   
   “You've got this thing running brilliant” - Gerald Kottke
   
   “Love the ease of this!” - Bradley Radke

   In case you missed the most recent updates to EZtransact, advisors can now help clients make segregated fund withdrawals for all account types, and transfer from one fund to another digitally using our self-serve tool. Comments from our advisors since these enhancements were made have been overwhelmingly positive. Thank you!
   
   Get to know EZtransact and fast-forward your sales process. If you have any questions, please contact 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 savingsretirement@equitable.ca.
   
   Date posted: August 22, 2024 

5. Why tax refunds aren't always good It’s important for advisors to help clients understand their finances. Many people think getting a tax refund is good, but that's not always true. Here are some reasons why.
   
   1. Overpaying Taxes
   A refund on a tax return means the client paid too much in taxes during the year. This is like giving the government an interest-free loan. Instead, clients could use that money each month for savings or investments.
   
   2. Missed Investment Chances
   When clients overpay taxes, they miss chances to invest that money. It could have been earning interest or growing in value instead of sitting with the government.
   
   3. Poor Financial Planning
   A big tax refund can show poor financial planning. It's better if clients break even, meaning they don't owe much and don't get a big return. This shows their tax withholdings are accurate.
   
   4. False Sense of Security
   A large tax refund can make clients feel falsely secure. They might spend it quickly instead of saving or investing it wisely.
   
   5. Financial Hardship
   Overpaying taxes can make it hard for clients to manage their money during the year. They might struggle with monthly expenses or saving for emergencies.
   
   Advisors should teach clients about the downsides of tax refunds. By adjusting their withholdings, clients can manage their money better and take advantage of investment opportunities. Aim for a balanced tax situation to improve financial health.
   
   Help clients make the most of their investment opportunities this tax season. For more information, contact your Director, Investment Sales.
   
   Date posted: March 20, 2025
6. Do clients imagine owning a dream home?

   
   We’re here to help make that happen! Clients who contribute to a First Home Savings Account between May 1 and September 30, 2025, will be entered for a chance to win an incredible $8,000 in our Close to Home contest. Whether opening a new account or making an annual contribution, this is a golden opportunity to help them get one step closer to homeownership.

    

   Advisors, Your Efforts Matter Too! By guiding clients towards their homeownership dreams, you’ll be entered to win $1,000 as a special thank you for your dedication and support. At Equitable^®, we believe that when we grow together, success is mutual.

   
   
   Don’t Miss Out! Enter today using Equitable’s user-friendly online application platform, EZcomplete^®, or process an online transaction with ease using Equitable’s EZtransact^®. It’s fast, simple, and could bring clients closer to their dream home.

    

   Want to learn more? Speak to your Director, Investment Sales, and help clients take the first step towards making homeownership a reality.

    

   Equitable’s Close to Home Contest: No purchase necessary. Contest period May 1, 2025, to September 30, 2025.  Enter by making a deposit to an Equitable FHSA during the contest period or by submitting a no-purchase entry. Two prizes for a total value of $8,000 CAD to be drawn on October 15, 2025, will be awarded. The servicing advisor for the policy to which the selected entrant made the deposit is also an eligible winner and will receive a $1,000 CAD prize. For example, if an Equitable client is a winner of the $8,000 prize, the client’s servicing advisor wins a $1,000 prize.  Open to legal residents of Canada of the age of majority. Odds of winning depend on number of eligible Entries received during the Contest Period.  For full contest rules, including no-purchase method of entry, see the full contest rules. 

7. Your year-end momentum starts today! Just 79 days left to go in 2025!
   
   As the air turns crisp and the leaves change color, we hope you’re enjoying our beautiful Canadian fall season. But before you get too swept up in the season's fun, remember that the final quarter is also a great time of year to boost your business.
   
   Harvest season for success
   Many clients are reviewing their financial goals and plans now. According to LIMRA, nearly 30% of life insurance applications are submitted between October and December¹. This means you have a huge sales opportunity.
   
   Why choose Equitable^® ?
   Clients expect competitive solutions that fit their unique needs well. Equitable offers great products, digital tools, and outstanding service and support.  Learn more here.
   
   Act now to finish 2025 on a strong note:
   • Review your client list: Identify who needs a check-in before the year ends.
   • Spot the opportunities: Year-end financial planning opens doors—don't miss out.
   • Leverage our resources: From our e-apps to marketing materials and digital tools, we're here for you.
   
   So, grab your client list (and your pumpkin spiced latte) and make the most of this final quarter. Your Equitable team is here to support you all the way to 2026 — let's finish 2025 strong!
   
   
   ¹LIMRA, "Life Insurance Applications by Month," 2025.
8. Deposits using online banking
9. Wrapping up 2025 with our new term rates!
   Among the most competitive in the market
   Equitable^® is wrapping up 2025 with our new term rates effective November 22, 2025. Many Canadians view life insurance as unaffordable, with 34% saying cost is the top reason they go without coverage.¹ Our new term rates are designed to help address these concerns. They offer flexible and affordable options to help clients get the protection they need.    
   ¹ Investment Executive at Survey finds affordability, lack of trust, barriers to buying life insurance | Investment Executive 
   
   What’s New:
   Updated premium rates for Term coverage, included on:
   • Term 10, Term 20 and Term 30/65 plans
   • Including Term Riders on Critical Illness (CI), Whole Life (WL), Equitable Generations^® Universal Life (UL) and Equation Generation^® IV Universal Life
   
   View our Transition Rules for all the details on processing your applications. 
   
   
    
    
   New term rate highlights*:
   *Effective November 22, 2025. Our term rates ranked among the best on LifeGuide when compared against top carriers in key markets.
   
   Check out our new term rates for yourself. Run quotes monthly (versus annually) for our best term rates.
   
   Contact your Equitable wholesaler today to learn more!
   
   
   
    
10. Lin covers her life, her partner, her home, and business with Equitable’s Term Life insurance Lin has just opened her new business. Her partner Terri has supported her through it all, managing the bills and the mortgage so Lin can focus on getting her store established. Lin knows they’ve both worked so hard to achieve what they have.
    
    She wants to make sure they’re covered in case anything happens to either of them.
    With Equitable Life^® Term Insurance, Lin can get affordable life insurance, which covers her and Terri’s current needs but is also flexible enough to change as their needs change.
    
    This video can help you start the conversation with clients about Term insurance. It walks them through the different term options and the value of being able to convert term coverage to a permanent life insurance policy later on. It also details the KIND^TM benefits that are currently available with Term insurance.
    
    Plus, check out our Term product page, then click on the Marketing Materials tab for the latest Term marketing materials.
    
    Want to learn more? Reach out to your local wholesaler.
    
    
    
    
    Watch our new Term insurance with Equitable Life of Canada video to learn more. See it on Vimeo or YouTube.
    
    
    
     
    ^® and ™ denote trademarks of The Equitable Life Insurance Company of Canada.