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1. 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.
    
2. 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.
3. Give clients guaranteed retirement income with Payout Annuities
   With increased market volatility and interest rates higher than we have seen for much of the past decade, now is a great time to consider payout annuities. Payout annuities can provide regular guaranteed income regardless of how markets perform. 
    
   Clients using only a Systematic Withdrawal Plan (SWP) for retirement income are potentially vulnerable during times of market volatility due to the sequence-of-returns risk.¹ When markets are down, more units are redeemed to cover income needs. When markets later rise, clients are not able to participate fully in the recovery because more units were redeemed to provide income. That is why having a guaranteed income component, like a payout annuity, as part of an overall retirement strategy is so important.
    
    
   Three great reasons to consider Equitable Life® for your payout annuity business:
   
   1. Choose from a variety of payout annuity options including:
      
        A. Life Annuity – guaranteed income for one life
        B. Joint Life Annuity – guaranteed income for two lives
        C. Term Certain – guaranteed income for a specific period of time (5 to 30 years)
        D. Term Certain to Age 90 – guaranteed income until age 90
   
   2. Attractive rates, particularly in Registered and Term Certain Annuities
   
   3. Step Up Your Wealth Sales program - 25% of payout annuity net sales qualify for the 0.75% bonus commission earned on net deposits for 2022²  
   
   
   
   For more information, please contact your Equitable Life Regional Investment Sales Manager.
    
    
   ¹Sequence-of-returns risk, or sequence risk, is the risk that an investor will experience negative portfolio returns very late in their working life and/or early in retirement.
    ²All eligible deposits, sales, and redemptions occurring between January 1 and December 31, 2022, will be used to calculate an advisor’s 2022 net deposits.
    ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
4. Making it easy to do business with us

   Online Term illustration now auto-populates the application 

   We have added a new online illustration for Equitable^® Term life insurance illustrations that automatically populates the fields in your Term application. 
   
   We’ve designed the online illustration to be intuitive so you can fill in client details with ease. 
   ●  Select term plans and coverages of choice, then get an illustration report in minutes. 
   ●  You can save your web illustration progress at any time and view it from the online application dashboard. 
   ●  We’ve combined the illustration with our online application to make the process seamless. The illustration details you provide will auto-populate in the fields needed to complete the application. 
   
   New: You can create a term illustration without logging in to EquiNet.   
   
   We are taking another step in the journey towards enhancing the ways we do business. 
   
   
   
   
   Check out this update on the new Illustrations page on EquiNet^®! 
   
   Learn more
   
   Have further questions? Your Equitable Wholesaler is here to help!
   
   ^® and ^TM denote trademarks of The Equitable Life Insurance Company of Canada.
    
5. The top five benefits of choosing the 10-pay premium option As part of our December 2024 Equimax^® update, we launched a new guaranteed 10-pay premium option for Equimax Wealth Accumulator^®. This option is a great way for clients to fund their life insurance policy.
   
   The top 5 benefits of the 10-pay premium option:
   
   1. Short Payment Period: After just 10 years, the policy will be completely paid-up, and clients won’t have to make any more payments while still having coverage.
   2. Growing Cash Value: By completing payments in a shorter time, clients can see their cash value grow faster. They can later access this value through policy loans or cash withdrawals if needed.
   3. Level Premiums: The premiums for the 10-pay option stay level over time. This makes it easier for clients to budget.
   4. Estate Planning: A fully paid-up life insurance policy can be a great planning tool for clients who want to leave a legacy for their loved ones.
   5. Tax Benefits: The cash value in a whole life policy grows tax-deferred, and the death benefit is paid out tax-free to beneficiaries.
   
   To learn more about our Equimax 10 pay premium option, visit our splash page:
   
           
   
   Need more information? Contact your local Equitable wholesaler with any questions.
   
   
   ^® or ^TM denotes a trademark of The Equitable Life Insurance Company of Canada.
    
6. See why choosing EquiLiving Critical Illness Insurance is the right choice for Ayo’s family
   Ayo’s just returned from maternity leave. Her baby David and her husband are the most cherished people in her life. 
   
   But a neighbour’s cancer diagnosis leaves her wondering how she can protect her family if a serious illness were to affect them. 
   
   Learn why Ayo decided EquiLiving^_® Critical Illness insurance was the right choice for her family.
   
   Watch our new Critical Illness 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 the benefits of Critical Illness Insurance. Check out our prospecting letter, that you can personalize and send to your clients to tell them about Critical Illness Insurance. 
   
   Plus, visit our Critical Illness product page, then click on the Marketing Materials tab for the latest Critical Illness marketing materials.
   
   Need more information? Please contact your local wholesaler.
   
   
   
   View on Vimeo or YouTube.
   
   
    
   
   ^® and ™ denotes trademarks of The Equitable Life Insurance Company of Canada.
7. 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. 
    
    
8. 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.
9. 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.
   
    
10. Start a Conversation with EZstart – Now Available for Equimax Wealth Accumulator Looking for an easy way to explain insurance? We have a digital tool to do just that!
     
    Start a Conversation with EZstart™
     
    EZstart helps to commence those initial client conversations. Think of it like a digital brochure: you start a conversation about life goals, enter a few details - and within a few clicks - get a quick quote on your phone or tablet instantly.
    
    We have a NEW EZstart for Equimax Wealth Accumulator® available. Go to the EZstart for Equimax Wealth Accumulator now.
    
    Don’t forget about our other EZstart tools that are available for you. Learn more. 
     
    _{^® and ^TM denote trademarks of The Equitable Life Insurance Company of Canada.}