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1. Application cloning option now available on EZcomplete As of September 10^th, you will now have the option to clone any Life Insurance and Critical Illness applications that is showing on the EZcomplete dashboard. “Cloning” means the information that has been completed in the existing application is duplicated in a new application.
    
   This feature is meant for situations where multiple applications are being completed and at least one of the parties (the policy owner or insured person) is the same. For example, a single policy owner might own policies on the lives of each of their children. Cloning the application will save re-typing the information about the policy owner into each application.
    
   Please note the following important details regarding cloning:
    
   • Cloning the application will duplicate all information that has been completed in the existing application into the new application.
   • In the family situation described above, the information about the policy owner should be completed in the original application. The application should then be cloned before entering any information about the insured person, as there will be a different insured person for the new application.
   • Cloning applications can be convenient, but it carries risk. It is imperative that the advisor review every section of the new cloned application to ensure that the information is meant to apply to the new application. If an advisor incorrectly includes information about an individual in the new application, this could give risk to a privacy breach or to liability for the advisor if the questions are answered incorrectly for that individual.
   • If the application was submitted and is no longer on the dashboard you will not have the option to clone it.
   • You will not be able to change the product type on a cloned application so if you need to select a different product, you will need to start a new application.
   • Any documents that were attached to the previous application will not be cloned. The documentation will need to be attached again if required.
   • All information from an existing application will be duplicated to the cloned app up to the Signatures step (step 8). Signatures/advisor report will need to be obtained and completed again on the new cloned application.
    
   Resources
   • EZcomplete FAQ
    
   Please contact your Regional Sales Manager for more information
    
2. EXCITING NEWS! Digital Transactions for Universal Life Plans Now Available We are happy to announce a major update to our digital systems that makes managing Equitable Universal Life (UL) policies easier than ever. Starting now, you can use digital transactions to submit your clients’ instructions to change their UL deposit allocations and transfer funds between accounts.
    
   This update builds on the recent launch of our digital policy loan request on EquiNet^® and is another step towards making your Equitable^® experience easier and more convenient.
   
   What's New?
   In the past, you had to submit written requests for UL deposit allocation changes and account value transfers using the Universal Life Form 693UL (you can still use this method if you prefer).
    
   Now, you can manage these transactions directly through the secure EquiNet advisor portal. This new process also allows clients to securely approve their requested changes by email.
    
   To get started, simply log into your account on EquiNet and go to the Policy Inquiry tab.
   We have provided a brief user guide to help you through the steps.
    
   We trust that this digital upgrade will enhance the way you work with Equitable. Stay tuned for more digital enhancements in the near future!
    
   Thank you for your continued support and partnership.
    
   Questions? For more information, please reach out to your wholesaler or our customer service team.
    
    
   ^® or ^TM denotes a trademark of The Equitable Life Insurance Company of Canada.
    
3. A bright start to July: our Dividend Scale is now active!

   Effective July 1^st - just in time for summer conversations!

   Good news! The Equitable^® Board of Directors has approved continuing our current dividend scale for the period of July 1, 2025, to June 30, 2026.
   
   • The interest rate* we use to decide the dividend scale will stay at 6.40%.
   • Other factors used to decide the dividend scale will stay the same.
   • The interest rate for policies with dividends on deposit will stay at 3.50%.
   • The interest rate for most policy loans will stay at 6.50%. This applies to both new and existing policy loans, and automatic premium loans. It specifically applies to Equimax^® policies with a 9-digit policy number that starts with either "3" or "8". Older policies may have different loan rates as they are based on the prime interest rate.
   
   *The dividend scale interest rate (DSIR) is different from the participating account (PAR) rate of return. The DSIR smooths out the ups and downs of the participating account experience. The PAR rate of return is the return on the investments in the participating account over the calendar year.
   
   Need more information?
   • 2025 Advisor Dividend Scale Notice
   • 2025 Client Dividend Scale Notice
   • Dividend Information Page
   
   Did you miss our Spring Update & 2025 Dividend Scale Announcement?
   Watch it now:
   
     
4. [pdf] Introducing Equitable
5. [pdf] Limited Trading Authorization
6. See how choosing Equimax Participating Whole Life can help Raj plan for his family’s future
   Raj wants to buy life insurance. He has wealth he’s grown over the years. He wants it to go to his family. He likes what participating whole life has to offer.
   
   By choosing an Equimax participating whole life insurance policy with Equitable Life, Raj gets permanent insurance coverage with tax-advantaged cash growth. His policy can also earn annual dividend payments.
   
   He learns about how his premiums go into a participating account and are invested. Some of that investment can come back to him as dividends.
   
   With Equitable Life, dividends are shared only with participating policyholders. This makes Equimax Participating Whole Life an easy choice for Raj.
   
   Watch our new Dividends with Equitable Life of Canada video to learn more. View on Vimeo or YouTube.
   
   
   
   
   
   
   You can use this video to send to clients before or after meetings to help them understand Dividends with Equitable Life.
   
   Plus, visit our Equimax product page, then click on the Marketing Materials tab for the latest Dividend marketing materials.
   
   Need more information? Please contact your local wholesaler.
   
   
   
   ^® and ^™ denotes trademarks of The Equitable Life Insurance Company of Canada.
   To learn more about our dividend policy and participating account management policy, please visit www.equitable.ca/en/already-a-client/dividend-information/
   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.
7. 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/
    
8. About
9. [pdf] Transfer Authorization
10. [pdf] Beneficiary Change Form