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1. 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.
    
2. Understanding debt: A key to building wealth Why debt matters in wealth conversations
   Debt is part of life for many Canadians. But not all debt is the same. As an advisor, you can help clients understand their debt and how to manage it. This is key to building wealth and confidence. Financial Literacy Month is a great time to “Talk Money.”
   
   Types of debt¹
   • Secured: This is backed by something the client owns, like a house or car. Its cost of borrowing or interest rate is usually lower.
   • Unsecured: This includes credit cards and personal loans. These debts have no asset behind it and often cost more.
   • Revolving: These are like credit cards. The balance owing can carry over to the next month.
   • Installment: These are like car loans. Clients pay a set amount each month.
   
   Helping clients manage debt
   • Pay off high-interest debt first:  Credit cards are often a good place to start.
   • Consolidate: One lower-interest loan payment can replace many.
   • Make a budget: Include debt payments and savings.
   • Use insurance-based investments: Segregated funds and Daily/Guaranteed Interest Accounts offer protection and guarantees. These can help clients manage risk while growing wealth.
   
   Why reducing debt matters
   Less debt can mean more financial freedom. Clients can save more, stress less, and plan better for retirement. It also helps them leave a financial legacy.
   
   Your role as an advisor
   You do more than sell products. You guide clients to make smart choices. Use this article to start a simple, clear conversation about debt—and how Equitable Individual Wealth solutions might fit into their overall financial picture.
   
   Talk to your Director, Investment Sales today for more strategies to help clients with debt.
   
   ¹ Source : ARC, 2025-03-28
3. Update on our service levels during the COVID-19 pandemic

   Supporting your clients and their plan members is more important than ever during the ongoing COVID-19 pandemic

   So, we’re providing an update on our service levels.

   We acted quickly to ensure there were no disruptions in service – most of our staff were working remotely from home and fully functional within a few days. We’ve reallocated resources from functions where volumes are down, such as dental claims, to those experiencing higher volumes. We also created a separate queue for COVID-19-related STD claims.

   As a result, we’ve been able to maintain the industry-leading service levels you have come to expect from us, and our turnaround times continue to be well within our targets.

   Here’s a summary of what you and your clients can currently expect in terms of average turnaround times:

   Service category	Average Turnaround Time (as of April 26th)
   Customer Care Centre wait times	89% of calls answered within 20 seconds
   Responses to emails to our Service Team	Within 24 hours
   Health claims	2 days
   Dental claims	2 days
   Life claims	1 day
   STD claims	4 days
   LTD claims	4 days
   Plan member updates	2 days
   New customer implementations	16 days
   COVID-19-related plan amendments	4 days
   Other plan amendments	8 days
   Quotes	2 days ahead of deadline

   We will closely monitor the situation and continue to adapt to ensure we maintain our service levels. And we will do our best to resolve any service issues that arise as quickly as possible.

   Please feel free to contact your Group Account Executive or myFlex Sales Manager and let us know how we’re doing.

4. Welcome EZtransact from Equitable Life
   On July 28, 2021, Savings & Retirement is launching online transactions for segregated funds. A new way to make managing your client’s policies quick and convenient. With a growing need for digital solutions, Equitable Life’s new EZtransact eliminates the hassle of filling out forms, facilitating signatures yourself, submitting copies to your MGA and being tied down to business hours for submitting transactions.
   
   Available on EquiNet's secure website, EZtransact’s first service will allow advisors to setup a one-time or recurring deposit or edit an existing pre-authorized debit already in place. In just five simple steps, EZtransact:
   1. Collects the deposit details,
   2. Pre-populates pre-existing relevant details,
   3. Alerts you to any missing information,
   4. Facilitates the signing process and
   5. Sends a copy of the transaction to your MGA, eliminating any need for duplicate copies, or additional steps.
   
   “We are excited to be able to launch a new digital solution for our advisors”, said Vice-President, Savings and Retirement, Judy Williams. “We feel this new application complements our existing highly rated EZcomplete® online application process. With both solutions available to advisors, we are making it even easier to do business with Equitable Life”.
   
   If you are already registered with EquiNet, go online today, and give EZtransact a try. If you are not registered, contact your local Regional Investment Sales Manager or, call our Advisor Services Team to have a Regional Investment Sales Manager in your area contact you.
    

   To learn more, click here. 

   
   

   ® and TM denote trademarks of The Equitable Life Insurance Company of Canada

5. Making it easier to do business with Equitable We wanted to share some exciting updates with you that focus on enhancing your experience with Equitable^®. Improving your journey with us is a top priority, and we continually seek ways to make doing business simpler and more convenient.
   
   The following are our latest enhancements designed specifically to benefit you.
   
   New annual premium payment options for Life and Critical Illness plans
   ● Great news! We recently introduced new additional payment methods for clients making their first and subsequent annual insurance premium payments.
   ● And - we're thrilled to introduce a new lower annual premium requirement of $2,500 for clients who wish to pay their annual premiums by Pre-Authorized Debit (PAD)!
   ● Learn more about these changes here.
   
   Improved forms for requesting in-force illustrations
   ● We understand the importance of efficient workflows, and that's why we have recently updated and improved the following forms to make requesting inforce illustrations even easier:
   ● Term, CI & Whole Life Illustration and Quote for inforce policies
   ● Universal Life Illustration and Quote for inforce policies
   
   For these and other Equitable forms, navigate to EquiNet^® -> Individual Insurance -> Forms.
    
   We trust that these improvements will be met with enthusiasm! And this is just the beginning – stay tuned for more enhancements in the new year!
   
   Questions? Please reach out to your local wholesaler or our customer service team.
   
    

   ^® or ^TM denote trademarks of The Equitable Life Insurance Company of Canada

6. Take advantage of our online services today!
7. 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
8. Get to know our large case experts

   New episode in our Ask our Experts video series

   At Equitable^®, we’re committed to the large case market. Our dedicated team of experts is here to support you from application through to policy placement.
   
   Today, we are thrilled to share the second episode of Ask our Experts. This mini docuseries features key members of our large case team. They talk about their work, their perspectives, and their role in the large case experience.
   
   Watch Ask our Experts Episode 2 featuring Kevin Till, AVP of Individual Life Pricing.
   
   Kevin chats with us about:
        • What he finds interesting about large case pricing.
        • How quickly Equitable can turn around a large case quote.
        • The difference between a mutual and a stock insurance company.
        • Equitable’s reinsurance strategy.
   
   
   
   In case you haven’t seen it…
   Watch Ask our Experts Episode 1 with Cindy Shirley, Chief Underwriter and Claims Risk Management.
   
   Learn more:
   Visit our large case markets webpage to learn more about our team of dedicated experts.
   
   Do you have a large case opportunity? Talk to your wholesaler to learn more.
   
   ® and ™ denote trademarks of The Equitable Life Insurance Company of Canada.
    
9. Let’s “Talk Money”: Helping clients feel better about their finances This November is Financial Literacy Month, and the theme is simple but powerful: “Talk Money.” The goal is simple—get Canadians talking about money. When people open up about budgeting, debt, or financial stress, they feel more confident and less alone.
   
   Money and mental health are connected
   Many Canadians feel stressed about money. That stress can affect their mental health. As an advisor, you can help by starting honest conversations. When clients talk about their worries, they’re more likely to take action and feel better.
   
   How advisors can help
   You don’t need to be a therapist. Just listen, ask questions, and offer simple steps. Here are a few ideas:
   
    
   • Ask how clients feel about their finances.
   • Share stories of others who overcame money stress.
   • Celebrate small wins, like setting a budget or saving a little more.
   • Use Equitable’s online learning modules to equip yourself with knowledge to help support client goals.
   • Watch our on-demand webcast: How to stay grounded in a changing world: Supporting financial and mental well-being
   
   Let’s talk money
   Talking about money helps people feel stronger and more in control. This month, let’s help clients open up, take action, and build better habits—financially and emotionally.
   
   If you have any questions, feel free to reach out to your Director, Investment Sales.
10. [pdf] Payout Annuities Product at a Glance