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1. 5 topics to discuss with large case clients Are you working with high-net-worth business owner clients? It’s important to ask the right questions to get them interested in learning how corporate-owned life insurance might benefit their situation.
   
   Here are a few suggestions from our large case team:
   1. Capital Dividend Account: Are you taking full advantage of your company’s Capital Dividend Account for your family?
   2. Cash flow and surplus: Do you have surplus cash or cash flow in your corporation? Why is it there? If it is for tax deferral, would you like to make some or all of that deferral permanent?
   3. Legacy: What do you want to happen to your business when you’re no longer there? How much of what you have built do you want to preserve for your family? How much will be preserved?
   4. Shareholder’s agreement: Do you have a shareholder’s agreement? How is it funded? Does it deal with triggering events like death, disability, and retirement?
   5. Worse-case scenarios: If you were not able to show up at your business for 3 months, and no one expected it, what would happen? What would creditors, customers, suppliers, and employees do?
   
   Visit our large case webpage and watch Ask our Experts to learn more about the importance of careful planning when it comes to corporate policy ownership.
    
2. 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. 
    

3. 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
4. April 2026 eNews

   In this issue:

   Coming soon: Enhancements to Equitable EZBenefits plans for small business

   Register now: Free webinar connects nutrition and employee health

   Reminder: One-time passcodes will be added to our login experience*

   Service-related survey will go to clients in May*

    

   *Indicates content we will share with your clients.
   
    

   Coming soon: Enhancements to Equitable EZBenefits plans for small business

    

   Equitable EZBenefits® was created to provide a better benefits experience for small businesses in Canada. With a range of plan designs to fit the needs and budgets of companies with 2-25 employees, this unique solution is affordable, sustainable and easy to manage.

    

   Now, we’re enhancing EZBenefits to deliver even greater value for more small businesses.

    

   Overview of enhancements

    

   We’re making the following updates:

   • Dental coverage for new Bronze plans: Basic dental coverage will be available for Bronze-level EZBenefits plans. Coverage will be 70% with a $750/year maximum, 12-month recall and six scaling units.

   • Definition of earnings for long-term disability (LTD) coverage: Earnings for LTD coverage will include bonuses and commissions, to reflect common small business pay structures.

   • Part-time eligibility for Saskatchewan employers: For Saskatchewan-based employers with 10 or more employees, the definition of part-time employment will shift to 15 hours per week to match the province’s definition.

    

   These enhancements will be included in new EZBenefits plans with effective dates of June 1, 2026, or later.

    

   In-force EZBenefits clients can also access these enhancements starting June 1, 2026, by requesting a plan amendment.

    

   You may wish to discuss these enhancements with your EZBenefits clients so they can make the best decisions for their plans.

    

   An “EZ” solution for you

    

   EZBenefits is also designed with advisors’ needs in mind. By providing fast quotes, a streamlined implementation process and an advisor concierge service, we’ve reduced your administrative burden and made supporting your small business clients easier.

    

   To learn about EZBenefits or the upcoming enhancements, please contact your Group Account Executive.

   
   Register now: Free webinar connects nutrition and employee health

   
   Plan to attend this special virtual session where Dr. Jeffrey Alfonsi, Chief Medical Officer and Co-Founder of RxFood, will share research that links overall health and nutrition.

    

   Poor nutrition is often connected to chronic disease. And chronic disease is heavily affecting the Canadian workforce—impacting productivity, driving up incidence of disability among employees and health benefits costs for employers.
    

   During his presentation, Dr. Alfonsi will underscore the difference healthy eating can make in several areas, including:

   • Chronic disease management and prevention

   • Early return to work from disability leave

   • GLP-1 agonist need and usage rates

   • Mental health and wellness

      

   You’ll also learn how employers can make good nutrition more accessible to employees and support their holistic health.

   
   Nutrition matters

   The powerful connection between diet and employee health

   When: Thursday, May 21, 2026,
   10 a.m. PT/1 p.m. ET

   Where: Online (register here)

   The webinar will be presented in English only. CE credits will be available.

    

   Reminder: One-time passcodes will be added to our login experience

    

   Soon, you may need to complete a new security step when you log in to your account on EquitableHealth.ca^® and the Equitable EZClaim^® mobile app. Anyone who logs in with an email address and password may be required to enter a one-time passcode that’s provided via email.

    

   By adding this form of multi-factor authentication (MFA) to the login process, we’re further enhancing our digital security and helping safeguard your account access and our clients’ personal data.

    

   Skip the one-time passcode. Create a passkey.

    

   However, you won’t need to enter a one-time passcode if you create a passkey to log in. Passkeys are another form of MFA. They are safe and provide a quicker, easier, secure way to access your account, using either biometrics – your face or fingerprint – or a PIN authenticator to confirm your identity.

    

   Learn more about passkeys. You’ll see how easy it is to set up on your mobile device or computer. Please reach out to your Group Account Executive if you have any questions.

    

   Service-related survey will go to clients in May

    

   At Equitable, we’re committed to providing clients and plan members industry-leading service. And we’re continually looking for ways to improve.

    

   On May 11, we’ll invite clients to complete a survey to help us understand where we’re delivering exceptional service, and how we can better meet their needs and those of their plan members. Their feedback will be kept confidential. However, we may follow up with some clients to address any concerns they identify.

    

   Every client who completes the survey will be entered into a random draw for a chance to win one of three pre-paid $200 gift cards. Clients will have through May 25 to complete the questionnaire for a chance to win a gift card.

5. [pdf] Segregated Fund Semi-annual Report - June 30, 2025
6. Changes to coverage of Humira in BC BC Pharmacare recently announced it is adding Humira to the list of drugs included in its ongoing initiative to switch patients to biosimilar versions of high-cost biologics. Patients taking Humira for most conditions will be required to switch to a biosimilar version of the drug by Oct. 7, 2021 to maintain coverage under the public plan.
    
   Biologics are drugs that are engineered using living organisms like yeast and bacteria. The first version of a biologic developed is also known as the “originator” biologic. Biosimilars are also biologics. They are highly similar to the originator biologic drugs they are based on, and Health Canada considers them to be equally safe and effective for approved conditions. 
    
   How we are responding to protect our clients
   To help prevent this change from resulting in additional costs for our clients’ drug plans, while still providing plan members with access to safe and effective medications, we will no longer cover Humira for plan members in BC. Effective Oct. 7, 2021, claimants currently taking Humira will be required to switch to a biosimilar version of the drug to maintain coverage under their Equitable Life plan.
    
   We will be communicating this change to plan administrators later this week. And we will be communicating with affected claimants in early August to allow ample time to change their prescription and avoid any interruptions in their treatment or their coverage.
    
   If you have any questions about this change, please contact your Group Account Executive or myFlex Sales Manager.
    
7. Increased auto approval means more time to focus on your complex cases

   As the year draws to a close, we are pleased to reflect back on our many enhancements geared toward improving our auto-approval rates and the notable impact they have made on our service standards.
   
   Throughout 2021, we have invested significantly in our services and technology, including data & analytics to ensure that more of our new business applications are approved automatically without any intervention, leaving our teams available to engage in settling your complex cases. As a result of these enhancements, over the past 3 months we have improved from 8% of our new business flowing straight through to approval, to an impressive 25% of cases requiring no underwriting*. 
   
   There are a number of factors that contribute to this straight through approval success in processing applications, such as simpler cases, applicants with no medical history or medical issues, younger applicants and applications for lower face amounts. These factors, alongside our ongoing efforts to fortify our processes, has resulted in positive feedback from the field.
   
   Advisors have mentioned you’ve felt the impact on our speed and service, and we will continue forward into 2022 with this positive momentum, with further enhancements to help make it easier for you to do business with Equitable Life.
    
   *As of December 2021

8. Ride the same-day service wave with Equitable Life

   
   Sit back and relax – we’ve got your deposits covered. Make setting up one-time or recurring deposits flow like water with EZtransact™ - only from Equitable Life^®.
   
   Learn more

9. An important announcement about our Travel Assist provider Allianz Global Assistance, our Travel Assist emergency medical assistance provider, has informed us that it is exiting the Canadian group travel insurance market.
    
   Allianz will continue to accept and support new claims up to June 30, 2023, and they will support ongoing claims until Dec. 31, 2023.
    
   We are already meeting with potential new Travel Assist partners and plan to have a provider in place before June 30, 2023.
    
   In the meantime, we are working closely with Allianz to help ensure a smooth and seamless transition for your clients and their plan members. Allianz is committed to maintaining its staff to meet and exceed service levels throughout the transition, as follows:
    
   Before July 1, 2023:
   Allianz will continue to accept calls and open new claims up to June 30, 2023. Any claims opened on or prior to June 30, 2023, will continue to be processed by Allianz until Dec. 31, 2023.
    
   After July 1, 2023:
   New cases will be directed to our new service provider. Allianz will work alongside us and our new provider to make this transition as simple as possible.
    
   After Dec. 31, 2023:
   For any cases still open as of Dec. 31, 2023, Allianz will work with our new service provider to responsibly transfer these cases while ensuring a seamless client experience.
    
   We will communicate this news next week to your clients who have Travel Assist coverage on their plan. And we will continue to communicate more details to you about this transition in the coming weeks.
    
   If you have any questions, please contact your Group Account Executive or myFlex Sales Manager.
10. Announcing our new Travel Assist provider We are pleased to announce that we are partnering with Trident Global Assistance as our new Travel Assist provider, effective June 1, 2023.
     
    Based in Etobicoke, Ontario, Trident provides travel assistance for thousands of Group Benefits plan members. Trident has an experienced leadership team with decades of combined industry expertise. They have both the operational know-how and global networks to provide your clients and their plan members with 24/7 support for their travel health assistance needs.
     
    No action is required from plan sponsors or plan members. For clients with Travel Assist included in their plan, the transition to Trident will be seamless. The phone numbers for Travel Assist will remain the same and there is no requirement to download a new benefits card.
     
    As we previously announced, Allianz Global Assistance, our current Travel Assist provider, is exiting the Canadian group travel administration market. Allianz will continue to accept and support claims and inquiries received before June 1, 2023. All claims and inquiries received June 1 or later will be supported by Trident.
     
    In the meantime, we are working closely with Allianz and Trident to help ensure a smooth and seamless transition for our clients and their plan members.
     
    If you have any questions about the transition to Trident as our new Travel Assist provider, please contact your Group Account Executive or myFlex Sales Manager.