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1. Universal life product linked interest option changes
   
   On July 1, 2025, we will be changing the index that is tracked for the linked interest options shown far below.
   
   Clients can change their investment options at any time if they choose. This includes the Linked Interest Option(s) for money currently invested and future deposits.
   
   Requests for this change can be done:
    
   • In writing – Submit the Reallocation and transfer of funds – universal life form (form 693UL).
   • Online by advisors – Go to Policy Inquiry on EquiNet^® (advisor site).
   • Online by clients – Links in Client Access® through Equitable.ca.
   Please contact your Equitable^® Wholesaler for more information. 
    

   Linked Interest Option	Universal life insurance solution	Currently tracking	Effective July 1, 2025
   Canadian Equity Index	• Equitable GenerationsTM	S&P/TSX 60® Total Return Index	S&P/TSX Composite® Total Return Index
   Canadian Equity	• Equation Generation® IV • EquiLife® • Equation Generation III • Equation Generation II • Equation • Direction 2000 Plus

   
   S&P/TSX® 60 Total Return Index and S&P/TSX Composite® Total Return Index registered trademarks of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and S&P Global. All others are registered trademarks of The Equitable Life Insurance Company of Canada.
    
2. New secure encryption process for outstanding Equitable S&R business requirements
   The Equitable^® Savings and Retirement Operations team is improving how they send secure email messages to advisors. These emails are sent when there are outstanding requirements for an application or missing information for requests.
   
   
   Previously, advisors had to manually password protect or unlock PDF documents. This caused delays and difficulties for recipients. The new encryption process will remove that confusion and make it easier for advisors to send and receive secure, encrypted messages.
   
   
   Advisors will now receive secure, encrypted emails from the QA annuity operations mailbox. These emails will use an encrypt option to protect personal client information, such as attachments or requests for personal documents. Recipients will get an email with a subject line saying they have a secure private message. They will need to sign in to view the message or choose to get a one-time passcode (OTP).
   
   
   
   
   
   
   Please ensure to check the SPAM folder for the OTP option as it will expire in 15 minutes. Enter the OTP in the secure message
   portal.
   
   
   
   Emails are sent in both English and French, with automatic translation based on browser settings. Recipients must click the view button to access the message in the secure web portal where they can see the encrypted attachment.
   
   Make sure to click Reply in the top right corner of the encrypted message to keep communications within the secure portal.
   
   
   
   For more information or assistance, please contact your Director, Investment Sales.
   
   Date posted: May 22, 2025
3. New online course available

   Boost your knowledge and earn CE Credits 

   Looking to deepen your understanding of Universal Life insurance and get a new CE Credit?
   
   Equitable is excited to offer a new addition to our online learning center: The mechanics of Universal Life. Whether you are new to the concept or looking to refresh your expertise, this course will help provide the knowledge you need to start conversations with clients.
   
   Our CE credit courses allow you to learn at your own pace and earn CE credits quickly and easily.
   
   Available Courses:
   • The mechanics of Universal Life *NEW*
   • Introduction to Whole Life Insurance
   • Participating Whole Life for the Children’s Market – A head start for tomorrow
   • Path to Success - Expert Advice on Navigating CI Sales  
   • Ensuring a Compliant, Needs-based Insurance Sale
   • Where UL Fits in your product portfolio
   • Building your business with Critical Illness insurance
   • Harness the Power of Whole Life Cash Value
   
   A few important notes before you get started:
   • The programs are hosted on Teachable: https://equitable-life-education.teachable.com
   • Username: Please use your email address that you are contracted with
   • Password: Equitable
   • Please use Google Chrome to access the courses
   
   You can earn CE credits right away when you complete these courses.
   Start earning CE Credits!
   
   Check out the individual insurance online learning centre on EquiNet to stay up to date on new courses. 
   
   All courses are accredited by Alberta Insurance Council, Insurance Council of Manitoba, The Institute for Advanced Financial Education, and Chambre de la sécurité financière*.
   
   Questions?
   Contact your local wholesaler.
    
   Are you having trouble logging in?
   Email equitableiimarketing@equitable.ca for assistance.
4. Boost your knowledge and earn CE credits

   Need continuing education credits?

   Equitable is happy to offer online courses focusing on insurance. The courses allow you to learn at your own pace and earn CE credits quickly and easily. You can earn CE credits right away when you complete these courses. All courses are accredited by Alberta Insurance Council, Insurance Council of Manitoba, The Institute for Advanced Financial Education, and Chambre de la sécurité financière*.
    
   Existing courses:
   1.    Building your business with critical illness insurance
   2.    Ensuring a Compliant, Needs-based Insurance Sale
   3.    Harness the power of whole life cash value
   4.    Introduction to whole life insurance
   5.    Path to Success - Expert Advice on Navigating CI Sales
   6.    Participating whole life for the children's market: A head start for tomorrow
   7.    The mechanics of universal life 
   8.    Where UL Fits in your Product Portfolio
   
   
   A few important notes before you get started:
   •    The programs are hosted on Teachable: https://equitable-life-education.teachable.com/
   •    Username: Please use your email address that you are contracted with
   •    Password: Equitable
   •    Please use Google Chrome to access the courses
   
   Start Earning CE Credits!
   
   Check out the individual insurance online learning centre on EquiNet to stay up to date on new courses. 
   
   Questions?
   Contact your local wholesaler.
    
   Are you having trouble logging in or accessing certificates?
   Email equitableiimarketing@equitable.ca for assistance.
   
   *Please select the course with “QC credits” in the title for La Chambre credits.
5. New internal transfer enhancement available on Equitable’s EZcomplete

   Advisors will now notice a new internal transfer enhancement in EZcomplete®, Equitable’s online application platform — and it’s designed to make life a whole lot easier. With this update, moving a client’s funds from an existing Equitable® segregated fund contract into a new Equitable Guaranteed Investment Funds™ contract is now faster, smoother and far more intuitive. 

   Here’s what you can expect: 

   • A clear, consolidated view of clients’ current contracts. 

   • Key details — like product type, current market value, sales charge and Guaranteed Interest Account terms — displayed right up front. 

   • Options to complete full or partial transfers. 

   • Helpful alerts that guide you through each step and help prevent mistakes. 

   Everything you need to complete an internal transfer is now in one spot — no more digging through old statements or searching for external documents. It’s a more streamlined, transparent experience for both you and clients. 

   You can access the enhancement directly within EZcomplete (Individual Wealth).  
    

                          
    

   If you have questions, speak with your Director, Investment Sales or Advisor Services Team Monday to Friday, 8:30 a.m. – 7:30 p.m. ET at 1.866.884.7427, or email individualwealth@equitable.ca. 

   ® or ™ denotes a trademark of The Equitable Life Insurance Company of Canada. 
    

6. Path to Success Module 4
7. Total Cost Conversation — Navigating Client Relationship Model Phase 3 (CRM3) with clients
   Discover how to navigate CRM3 conversations to build trust, clarity and stronger client relationships.
   
   Join our May Master Class, featuring Invesco Global Consulting’s Program “Total Cost Conversation — Navigating Client Relationship Model  Phase 3 (CRM3) with clients.”
   Total Cost Reporting with CRM3 will become mandatory on client statements in January 2027 and now is the right time to start the conversation. This session will help you speak clearly and confidently with clients about what’s changing, using language that builds trust and understanding.
   
   In this session, Invesco will explore:
   •  What to say about CRM3 and how to explain it in a way clients understand.
   •  How trust differs across generations, including Boomers, Gen X and Millennials.
   •  How to clearly communicate and reinforce your value to clients.
   Why attend?
   • Learn practical ways to build trust and confidence when discussing CRM3 with clients.
   • Support client conversations with greater transparency and clarity.
   • Gain access to a research‑based script to open discussions about Total Cost Reporting.
   Hosted by Joseph Trozzo, Vice President, National Investment Sales at Equitable, with featured presentation by Rob Kochel, Director, Invesco Global Consulting at Invesco. This webcast is available in English only. Don’t miss this opportunity.
   
   Learn more
8. March 2026 eNews

   In this issue:

   Equitable is adding nutrition app to all group benefits plans*
   Coming soon: One-time passcodes will be added to account login process*
   Standardized CLHIA disability form is now part of our disability claims submission package*
   Reminder: Review manual allocations for HCSAs and/or TSAs*
   Protecting clients’ plans from benefits fraud*
   
   *Indicates content that will be shared with your clients.
    

   Equitable is adding nutrition app to all group benefits plans

    

   Equitable is making healthy eating easier and more accessible for all group benefits plan members. Beginning in April, access to the RxFood mobile app will be added to every Equitable group benefits plan—at no extra cost.

    

   This will put personalized nutrition insights, practical tips and tailored recommendations at every plan member’s fingertips—helping them make more informed food choices that can either help prevent or manage chronic conditions, such as diabetes, high cholesterol and heart disease.

    

   What is RxFood?

    

   RxFood is Canada’s first clinically validated nutrition platform that’s used and trusted by leading health care institutions across the country, including SickKids Hospital, Diabetes Canada, Children’s Hospital of Eastern Ontario (CHEO) and more, to support better health outcomes through nutrition.

    

   While we can track many aspects of our daily health—steps, heart rate, sleep, and blood sugar—food is often overlooked. RxFood helps close that gap by using technology that’s powered by artificial intelligence (AI) to turn everyday meals into meaningful health insights.

    

   How it works

    

   A plan member takes photos of their meals with their smartphone. RxFood will analyze what's on their plate, from nutritional quality to portion sizes, then provide personalized feedback, easy-to-follow suggestions and recipes with ingredient options tailored to their budget.

    

   After a few days of logging, they’ll receive a comprehensive nutrition summary showing how their eating patterns align with their personal health goals, and where to go from there.

    

   Check out the following video to learn more about RxFood— and how Equitable is putting the power to eat healthy in the hands of plan members.

   
    

   Coming soon: One-time passcodes will be added to account login process

    

   This spring, Equitable will launch a new multi-factor authentication (MFA) security measure to further enhance our digital security. When our new feature takes effect, anyone logging in to EquitableHealth.ca® and the Equitable EZClaim® mobile app with an email address and password may be required to enter a one-time passcode they receive via email. This will further safeguard their account access and personal data.

    

   Keep it simple – create a passkey

    

   If you don’t want to enter a one-time passcode when logging into your account, you can skip this extra step all together by creating a passkey on your mobile device or computer.

    

   Passkeys are safe and provide a quicker, easier way to log in while also enhancing account security. They use either biometrics–your face or fingerprint–or a PIN authenticator to confirm your identity.

    

   If you create and use a passkey to log in, you won’t need to enter a one-time passcode.

   Learn more about passkeys. The set-up process is simple. The two videos below guide you through creating a passkey on both your mobile device and computer.

    

   Client and plan member communications

    

   We will share this information with clients and group benefits plan members before we introduce our new security measure. Please reach out to your Group Account Executive if you have any questions.

    
   
   
   If you use the same email address to log in to your accounts on EquitableHealth.ca, EquiNet^® and Equitable Client Access^®, you can use the same passkey. Equitable Client Access is our secure site for Individual Insurance and Individual Wealth clients.
    

   
   Standardized  CLHIA disability form is now part of our disability claims submission package

    

   Clients with employees who are submitting short-term or long-term disability claims should be aware that we’ve changed one of the required forms in our disability claim submission package.

    

   The Canadian Life and Health Insurance Association’s (CLHIA) Initial Disability Insurance Medical Statement has replaced our Attending Physician’s Statement (APS) form.
   
   
   Our disability claim application packages on Equitable.ca and EquitableHealth.ca now include the CLHIA standardized form instead of our APS form. Our old form is no longer available on our websites.
   
   
   We will continue accepting our previous APS form for initiating disability claims for now. However, we’re encouraging clients to begin using the standardized form as soon as possible. Using a standardized form for disability claims across the group insurance industry helps reduce the administrative burden on physicians by simplifying the disability application process.
   
   
   If you have any questions, please contact your Group Account Executive.

   
   Reminder: Review manual allocations for HCSAs and/or TSAs

   
   If your client’s Health Care Spending Account (HCSA) and/or Taxable Spending Account (TSA) has manual allocations, they need to allocate these amounts to plan members each year.
   
   Plan administrators can update these amounts on EquitableHealth.ca. Here are the steps:

   • Select View certificate
   • Select Health Care Spending Account or Taxable Spending Account
   • Select Update Allocation in Task Center
   • Enter amount in Revised Allocation Amount
   • Override Reason – Plan Administrator Request
   • Select Save

   Plan administrators who have reporting capability can determine which plan members have a zero allocation by running the HCSA Totals by Plan Member report online. Here are the steps:

   • Select Reports
   • Select New
   • Select Next
   • Select HCSA or TSA Totals by Plan Member
   • Select Next
   • Enter end date of 12/31/2026
   • Select Next
   • Select Finish
   • View Report

   Your clients can also contact us at GroupBenefitsAdmin@equitable.ca for help with updating the amounts.
    

   Protecting clients’ plans from benefits fraud

   
   March is Fraud Prevention month – the perfect time for clients to educate their plan members on the consequences of benefits fraud.
   
   According to the Canadian Life and Health Insurance Association (CLHIA), benefits fraud costs millions each year and can contribute to higher premiums for plan sponsors.
   
   These resources can help clients and plan members prevent benefits fraud:

   • CLHIA’s free 15-minute Protect Your Benefits online course for plan administrators and their members
   • CLHIA’s Fraud is Fraud program, including their FAQs on benefits fraud
   • CLHIA's 10 tips to 'Protect your benefits' for plan members

    

   How we protect against benefits fraud

   
   Our Investigative Claims Unit (ICU) uses a range of techniques, including CLHIA‑led tools, to detect and prevent benefits fraud: 

   • Joint Provider Fraud Investigation Program: Allows insurers to collaborate on fraud investigations that affect multiple insurers.
   • Data Pooling Program: Pools data between insurers and uses advanced artificial intelligence (AI) to further identify and reduce benefits fraud.
   • Provider Alert Registry: Allows insurers to view the results of other insurers’ anti-fraud investigations into specific practitioners. 

   
   To learn more, contact your Group Account Executive.
9. How Equitable is responding to the generic Ozempic shortage

   Health Canada recently approved generic versions of Ozempic for the treatment of Type 2 diabetes. The generic has been deemed interchangeable with the brand drug in some provinces.

    

   Since then, however, a severe and widespread shortage of generic Ozempic has occurred across the country and among major drug distributors.

    

   What this means for drug plans with generic pricing

    

   Our pharmacy benefits manager, TELUS Health, normally limits reimbursement to the cost of the generic for clients who have drug plans with generic pricing once the province deems it interchangeable. This helps lower costs for clients and members.  

    

   Otherwise, plan members taking Ozempic would only be reimbursed up to the cost of the generic, even if the generic isn’t available. If a plan member filled the brand-name version, they would be responsible for paying the difference in cost.

    

   How we’re protecting plan members

    

   To help protect plan members from excessive out-of-pocket costs, we’ve chosen to align with TELUS Health’s decision to delay applying these limits while the generic Ozempic supply remains unstable.

    

   We will work to monitor availability of the generic and update you as supply changes and once interchangeability limits are applied. In the meantime, you may wish to remind your clients that this approach is intended to support smoother access for their plan members while the generic supply may be inconsistent.

    

   We will share this information with your clients.

10. [pdf] Your Guide to EquiLiving (Client Guide)