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1. 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.
    
2. What’s new in EZtransact We’re excited to introduce the latest enhancement for EZtransact™, our digital self-serve tool. EZtransact now allows you to help clients:
   
   •  Easily make segregated fund withdrawals. This functionality is available for all account types, and for the First Home Savings Account, it also eliminates the need to submit additional CRA paper forms.
   
   •  Transfer from one fund to another fund digitally, within the same policy and same sales charge options.
   
   These enhancements make it easier than ever to do business with Equitable^®. They will help reduce your time spent on paperwork, allowing to you focus on more value-add time and services for clients. 
   
   Check out EZtransact. Stay tuned for more exciting digital enhancements coming soon!
    
   If you have any questions, please contact your Director, Investment Sales. 
   
   
   Date posted: July 11, 2024
3. New Term Rider for Equitable Generations
   Affordable, Flexible Protection for Clients
   
   Great news! As of June 7, 2025 you can now offer clients a Term 30/65 Rider on Equitable Generations™ universal life plans. This new rider will help you provide clients more choice in affordable and flexible solutions to align with their financial goals.
   
   What this new rider means for clients:
   • Coverage until the later of 30 years or age 65
   • Premiums remain level
   ​​​​• Coverage convertible to a permanent plan until age 60
   
   The Term 30/65 Rider complements the 10 and 20 Yearly Renewable and Convertible Term Riders already offered on Equitable Generations.
   
   This enhancement reflects Equitable’s commitment to growing and evolving our products, ensuring you have the solutions to meet clients’ changing needs.
   
   
   Transition Rules
   Check out our Transition Rules for new and in-progress life applications, which took effect on June 7, 2025.
   
   Questions? Contact your Equitable^® wholesaler.
4. Spring update and dividend scale for 2025/2026
   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:
   
     
5. Large insurance case? Expert help starts here.

   Ask our Experts Episode 3

   At Equitable, we’re committed to the large case market. Our dedicated team of experts have a wealth of knowledge and experience. They’re here to support you and to help get your large case from application through to policy placement. 
   
   Today, we are thrilled to share the third episode of Ask our Experts featuring Mark Warywoda, Public Investments VP. Watch it now! 
   
   Mark shares his thoughts on:
   • The benefits of Equitable’s PAR fund
   • The key advantages of mutuality
   • The golden rule of investing: staying focussed on the long term.
   
   In case you haven’t seen it…
   • Watch Ask our Experts Episode 1 with Cindy Shirley, Chief Underwriter and Claims Risk Management. 
   • Watch Ask our Experts Episode 2 with Kevin Till, AVP of Individual Life Pricing. 
   
   
   
   
   
   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. 
6. Introducing Equitable Guaranteed Investment Funds

   
    

   We’re excited to introduce the next evolution of the product advisors know and trust most. You made segregated funds our #1 wealth solution. Now, we’ve made it even better with enhancements designed to help power your growth and help deliver even more value to clients.

   Discover Equitable Guaranteed Investment Funds™

   • More choice & flexibility when it comes to our investment fund lineup

   • Better pricing advantages including the option for clients to group account values together within a household

   • New features & tools like asset rebalancing to make portfolio management easier

   Individual Wealth is in growth mode — and advisors like you are the reason why.

   If you were already offering our segregated funds to clients or were on the fence about segregated funds altogether, there’s never been a better time to explore Equitable Guaranteed Investment Funds.
   
    

           

   
   Have questions or want a walkthrough? Our team is here to support your success every step of the way. Meet the team.

7. More time to complete and view applications on EZcomplete

   
   You asked for more time, we listened!
    
   Effective January 14, 2023, you will have more time to complete and view in-flight and completed applications on the EZcomplete® dashboard.  
   
   You will now have,
   
   
   There are no changes to EZcomplete’s Sandbox.  Applications in the Practice Site will continue to be deleted after 10 calendar days.

   Take me to the Sandbox	Take me to EZcomplete
   Play around in the Sandbox with a demo client account.	Submit your applications today.

   
   If you have any questions, contact your Regional Investment Sales Manager 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.

    
    
   *Insurance applications currently offer 30 calendar days
   ** In-flight applications created prior to January 14, 2023, will maintain the existing 10-day submission timeline.
   ® denote a trademark of The Equitable Life Insurance Company of Canada.
   Posted: January 14, 2023
8. Exchanges
9. Our Critical Illness Insurance Path to Success Program Our Critical Illness Insurance Path to Success program was designed with you, the Advisor, in mind.
   
   Path to Success: Expert Advice on navigating CI Sales provides you with actionable ideas and scripts that you can implement immediately into your critical illness insurance meetings. CE Credits are available if you review the program in its entirety and complete the quizzes at the end of each section.
   
   Learn more about the CI Path to Success Program
   Next steps:
   If you have any questions or are interested in getting access to this program, please reach out to your Regional Sales Manager directly.
   
   Enhancements to our Critical Illness Insurance product EquiLiving®
   The timing couldn’t be better for connecting with your Regional Sales Manager to gain access to this program, as we have made recent enhancements to our Critical Illness product that will help you offer more options to clients. We’ve enhanced our EquiLiving plans and riders with:
   
   •  20 pay options with coverage to age 75 or coverage for life
   •  Support from Cloud DX to help monitor a client’s well-being from treatment to recovery
   •  Added Acquired Brain Injury as a covered critical condition 
   •  30-day survival period removed for all non-cardiovascular covered conditions
   •  No age restriction to claim for Loss of Independent Existence (LOIE)
   •  Adult Covered Conditions definitions updated to 2018 CLHIA definitions
   •  Increased the number of Early Detection Benefit covered conditions from 4 to 8
   •  And so much more …
   
   Contact your Regional Sales Manager to get set up in the program and learn about other CE accredited presentations happening each week. 
10. Introducing Empathy – Compassion and care at times of loss
    We’re excited to announce our partnership with Empathy– the company behind the Empathy Loss Support benefit.
    
    As a trusted advisor, you play a vital role in guiding clients through some of life’s most difficult moments. We understand this and believe Empathy can provide vital support at a time of loss. This is why Equitable^® has added this new benefit to all new and existing individual life insurance policies at no additional cost.
    
    About Empathy
    Empathy Loss Support begins when a claim is initiated. When a client’s loved one notifies us, our Client Care Centre connects them to Empathy’s user-friendly app or website. They can choose the Empathy services they need, including human support, and helpful tools. Empathy will help them navigate both the emotional and logistical challenges following a loss.
     

    Introduced to loved ones at time of claim

    Easy to use co-branded app

    Adding value beyond the policy

    Share the good news
    Include Empathy in your client conversations about life insurance. Show clients how Equitable leads with Care, Compassion, and Empathy.  Our commitment to clients is at the heart of everything we do.
    
    To learn more, visit our Empathy page.
    
    Questions?  Please contact your Equitable wholesaler.
    
    
    
    
    
    This loss support benefit is provided by Empathy and is available to all Equitable life beneficiaries aged 18+ years and residing in Canada. Equitable does not have access to the information provided to Empathy and is not responsible or liable for the services provided by Empathy. Empathy does not represent Equitable nor have the right to bind Equitable. Equitable may modify access to or discontinue offering the Empathy service at any time.
    
    Empathy does not provide legal, medical, financial, or accounting advice, nor does Empathy provide mental health diagnosis or treatment. We recommend consulting a professional on such matters.