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1. 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.
2. Equitable’s DSIR leads the way
   Equitable^® offers a 6.40% dividend scale interest rate (DSIR) – the best in our industry¹. But our DSIR is only one of the many benefits of choosing Equitable!
   
   Why choose Equitable?
   • Equitable proudly leads the way: We are the #1 seller of PAR whole life policies in Canada²!
   • Our top DSIR: Helps clients save for the future and builds lasting value.
   • Our Canadian heritage: Established in 1920, we are 100% Canadian-owned, based in Canada and dedicated exclusively to serving the needs of the Canadian market.
   • Our financial strength & growth momentum: We invest with care, keeping clients’ savings safe and growing over time.
   • Our mutuality: As a mutual, our clients come first – and eligible clients share in our success through dividends³.
   • Our service & support: We offer great service, easy-to-use digital tools, and support at every step, making Equitable a trusted choice for clients and advisors alike.
   
   In client meetings, be sure to share these outstanding benefits with clients. Doing so can demonstrate real value and boost your sales.
   
   Questions? Reach out to your Equitable wholesaler or visit EquiNet. We’re ready to help you succeed.
   
   Resources:
   The Power of Together (Video)
   5 Reasons to choose Equitable (1271)
   Dividend Scale Announcement - 2024/2025
   
   ¹ Source: Latest posted DSIR data on competitor websites – 2025.
   ² Source: LIMRA – Canadian Individual Life Insurance Sales Participant Report - Q4 2024.
   ³ Dividends are not guaranteed and are paid at the sole discretion of the Board of Directors. To learn more about our dividend policy and participating account management policy, please visit www.equitable.ca/en/already-a-client/dividend-information/
    
3. International Women’s Day

   Reflecting on inclusion in our industry
   
   International Women’s Day is a great opportunity to pause and think about how we support the women clients we serve. In wealth management, inclusion is not just a theme for one day a year — it plays a critical role in building stronger relationships and long‑term business growth.
   
   Our recent Master Class – From Insight to Inclusion: Engaging Women Investors with Confidence –reinforced this.

   The 60-minute session, featuring Susan Silma, Client Experience Transformation Leader and industry speaker and columnist, looked at why many women still feel under‑served in our industry and what advisors can do to create a more engaging and supportive experience.
   
   Here are a few key takeaways from the conversation:

   •  Inclusion strengthens your practice. When women feel heard and understood, trust grows —and so does loyalty.
   •  Start with better conversations. Susan shared ways to turn research and insights into everyday discussions that feel relevant and meaningful to women.
   •  Consistency builds confidence. A clear, repeatable process for prospecting, onboarding and reviewing plans with women clients helps ensure they feel included from day one.
   
   Did you know: 82% of advisors who attended the live Master Class identified the need to add more women clients to their business.
   
   As we celebrate International Women’s Day, it is a good reminder that creating a space where women feel comfortable, informed and valued benefits everyone — and positions your practice for long‑term success.
   
   If you missed the session — or would like to revisit the ideas — the Master Class recording is now available on demand. On behalf of everyone at Equitable, Happy International Women’s Day, Canada!
   
   
   
   Date posted: Thursday, March 5, 2026
4. Show term and critical illness illustrations with ratings

   
   Rating options are now available in term and critical illness web illustrations. When you add a rating, the premium changes so clients can see the difference. This makes it easier to compare options and set expectations early.
   
   What’s new
   You can apply ratings to your term and critical illness web illustrations. When you choose a rating, the illustration and report update right away with the new premium.
   
   Benefits
      • Clear side‑by‑side comparisons
      • Illustrated options better fit client’s needs
      • Talk about options with more confidence
   
   How to use the rating feature
     1. In the web illustration, go to Personal Information.
     2. Select the Ratings checkbox.
        • This option also appears when adding a term rider or critical illness rider.
   
     3. Choose the rating type you want to illustrate:
        • Permanent amount (term)
        • Permanent percentage (term and critical illness)
        • Temporary amount (term)
   Once applied, the premium updates automatically and appears in the illustration report.
   
   Important to know
      • Illustrated ratings are for comparison purposes only.
      • When you submit an application, the system removes the illustrated rating.
      • The final rating is determined through underwriting.
   
   Improving your experience with more digital enhancements
   We’re always working to improve the web illustration experience based on your valued feedback.
   Here are some improvements you've asked for:
      • A confirmation box appears showing the rider selected is included in the illustration report.
      • When you’re signed into EquiNet your name and advisor code are included at the bottom of the illustration report.
   New design updates to the illustration reports now make it easier for you and clients to review. Use these clear and refreshed illustrations to help clients get the protection that best meets their needs.
   
   Questions
   Contact your Equitable wholesaler. For specific case support be sure to include:
      • the client name (if applicable);
      • the product (term or CI);
      • screenshot of the illustration settings.

5. Advisor Guide
6. [pdf] DUCA Credit Union Lending Arrangement
7. [pdf] myFlex Options Guide
8. [pdf] Equitable GIF Contract Provisions and Information Folder
9. August 2019 Advisor eNews

   Coming soon:

   Tech updates for plan members

   Technology doesn’t stand still, and neither does your clients' businesses. That’s why we continually invest in technology to make things easier for your clients and their employees.

   Faster claims processing on Equitable EZClaim^® Mobile

   Equitable Life now provides real-time processing of massage therapy, physiotherapy and chiropractor claims submitted via the EZClaim Mobile app.

   That means plan members are able to find out the status of their claim almost instantaneously. And, for approved claims, they will receive payment even sooner - often in as little as 24 hours.

   In order to allow for instantaneous processing and faster payment, plan members will be prompted to enter some additional information including the practitioner’s name, the date of the expense, and the type and amount of the expense, when submitting their claims for these services.

   Equitable Life plan members can submit all types of health and dental claims via EZClaim Mobile, including co-ordination of benefits and Health Care Spending Account claims. Currently, 43% of all claims are submitted through the user-friendly app.

   AS part of our ongoing efforts to improve the mobile claims experience for plan members, we've also added biometric login functionality to allow plan members to sign in to the app using their face or fingerprint. And we've redesigned our landing page on the mobile app to make it easier for plan members to navigate the various features of the app.

   We will be announcing this enhancement to plan members on EquitableHealth.ca

   Introducing InpatProtect:

   Health coverage for employees who are new to Canada

   For a new employee starting to work in Canada, looking after basic health needs can be difficult.

   There’s a waiting period for provincial health coverage, and group benefits plans don’t cover the physician, hospital or emergency services that they or their eligible dependents may need during their initial months in the country. They could end up incurring significant unexpected health expenses.

   That’s why Equitable Life has launched InpatProtect^TM. InpatProtect provides temporary coverage to look after the basic health needs of employees and their eligible dependents during their transition to Canada. Your clients can recruit from outside the country knowing that their employees will have some protection in the event of a medical need, including an emergency.

   For up to 90 days, InpatProtect will cover employees and their eligible dependents for basic services that would normally be reimbursed under provincial health plans, such as:

   • Physician services
     • Prescriptions for medications
     • Diagnosis and treatment for illness or injury
   • Hospital services
     • In-patient services
     • Drugs prescribed and delivered as an inpatient in-hospital
     • Out-patient services
   • Emergency services
     • Ambulance services
   • Emergency dental services

   Contact your Group Marketing Manager or myFlex Sales Manager for more information about this new product from Equitable Life.

   De-listed service providers

   As part of our ongoing initiative to have Group Benefits plans only reimburse eligible claims, we conduct reviews of the billing and administrative practices of service providers, including clinics, facilities and medical suppliers.

   As a result of these reviews we may de-list certain providers.  We will no longer accept, or process claims for services and/or supplies obtained from those providers. The plan member can still choose to obtain services or supplies from these providers, but Equitable Life will not provide reimbursement for the claims.

   Review Equitable Life’s de-listed service providers

   The delisted service provider list is also posted on EquitableHealth.ca for plan members to review to determine if their claim(s) are eligible for reimbursement under their Group Benefits plan.

   For more information about protecting group benefits plans from abuse, check out our articles.

    

    

   ¹ Based on Equitable Life health and dental claims submitted between January 2019 – March 2019
   
   Google Home and Google Assistant are registered trademarks of Google LLC.
   ^® denotes a trademark of The Equitable Life Insurance Company of Canada unless otherwise indicated.

10. [pdf] How to access in-force illustrations