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1. 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
2. [pdf] Equitable GIF FHSA Application
3. Can’t meet in person? EZcomplete is an EZ way to meet online

   
   Instead of canceling your meeting, why not meet online instead? Our EZcomplete^® application makes it easy to process your non-face-to-face applications and do business with Equitable Life.
    
   EZcomplete is available on Pivotal Select™ segregated funds and all life products – Term, Whole Life, CI and Universal Life – and allows for the signing process to change from in-person to non face-to-face at the end of the application, despite how it was started.  This gives you and your clients the option to easily and efficiently connect remotely.
   
   
   
   How does it work?
    
   EZcomplete gives you the option to conduct your non face-to-face business easily and quickly, enabling your clients to provide their signature remotely on their own device. You simply need to enter their email address and provide them with a secret passcode to securely access the documents to review and sign.
    
   There is no limit on the face amounts or product options and the time to settle is reduced when using the application. It is a flexible, intuitive tool to use, and helps keep business on track now that many clients and advisors are opting for more social distance.

   
   For Life Advisors, please refer to the New Business and Underwriting page on Equinet for details about non-face-to-face delivery.

4. Manage more details within Contract Delivery for New Business applications We are excited to announce further enhancements to our eDelivery process to empower you, the advisor, the ability to manage client details more easily within Contract Delivery.
   
   Effective January 15, 2022, advisors will need to create a Password within Contract Delivery when choosing “eDelivery” as the contract delivery method and provide the password to the client to use as their password:
   
   The Password must be between 4 and 100 alpha/numeric characters, and cannot be the Policy number. For multiple signers the password (and email address) must be unique per each signer.
   
   Advisors can now edit and/or update an email address within Contract Delivery, in the event of a bounce back or email change, to keep the eDelivery process moving and avoid delays in processing time. If a lock out occurs, advisors can trigger a resend of the signing email once they add a new valid email address in Contract Delivery. Simply click the pencil icon beside the Email field to enter the valid email address:
   

   Another new feature- in the event a client has declined, the advisor will get an email from Equitable Life^®. Click through to EquiNet^® within the email to view the message within Contract Delivery that the client provided as the reason for decline under a new “Declined Details” section. This enables you to connect with the client to proceed with the sale by discussing the reasons for decline with them directly.

   Also new for clients with this enhancement, policy owners of a policy created after January 15 will be able to see a PDF copy of their policy within client access. Note: this PDF copy is as the policy was originally issued.
   
   Resources: 

   • eDelivery of a Contract - New Business
   • eDelivery FAQ
5. 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
6. 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.

7. This year’s RSP deadline is March 2, 2026

   
   RRSP deposits to be considered for the 2025 tax year must be:
   • Dated March 2, 2026, or before
   • Must be submitted to Head Office in good order by March 6, 2026, by 4:00 p.m. ET
   
   RRSP applications to be considered for 2025 contribution year must be submitted in good order by:
   • March 2, 2026, 11:59 p.m. ET
   
   RRSP B2B Loans:
   • RRSP loan deposits must be received from B2B by March 13, 2026, by 4:00 p.m. ET
   Note: Transactions submitted after these dates will not receive a 2025 contribution receipt
   
   
   Please note that all requirements must be received in Head Office by the above dates to guarantee settlement for year end.
   
   Have you started talking to your clients about their Registered Retirement Savings Plan (RRSP) contributions yet? Equitable^® has a range of RRSP solutions that can help meet their needs, including:

   • Daily/Guaranteed Interest Account
   • Equitable Guaranteed Investment Funds™, available in:
     • o Investment Class (75/75)
     • o Estate Class (75/100)
     • o Protection Class (100/100)
   Tools and materials to help you start the conversation
   Most clients genuinely want to save for retirement, but intentions alone aren’t enough—they need a plan. As their trusted advisor, you can help them understand why making their RRSP a priority is an important step toward long‑term financial security.
   
   To support those conversations
   Most clients genuinely want to save for retirement, but intentions alone aren’t enough—they need a plan. As their trusted advisor, you can help them understand why making their RRSP a priority is an important step toward long‑term financial security.
   
   To support those conversations, we’ve pulled together helpful tools and marketing materials that show how an Equitable RRSP can make a meaningful difference in reaching their retirement goals. Resources include:
   • Investment calculators
   • A retirement savings plan is just a relevant now as it was over 60 years ago
   • Borrowing money to save money
   And don’t forget…
   
   From January 1 to March 2, 2026, when clients open or add money to an Equitable TFSA or RRSP, they’ll automatically be entered into Equitable’s Snowball Your Savings contest. Two lucky clients will win — and their advisors get to celebrate too!
8. [pdf] Application for Contract To Sell Insurance Products and Request for Sponsorship
9. [pdf] How to access in-force illustrations
10. EZCOMPLETE TRAINING AND RESOURCES