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1. Universal life (UL) enhanced – more options to reach more clients

   Great News!

   Explore the latest enhancements to Equitable Generations™ UL insurance, offering clients greater flexibility to meet their needs.
   
   What’s new for Equitable Generations UL:
   • Level cost of insurance (COI) option.* Available for new sales to offer even more choice for clients. Here is how these rates compare to Equation Generation IV Level COI:
         • Non-smoker rates have decreased on average by 4% across all ages and bands (Smoker rates have increased on average by 1%).
   • New rate bands. $1M and $5M for Level COI**, making our UL solution more attractive to a wide range of clients. * For Level COI, only Account Value Protector is offered as a death benefit option.
   **The rate bands for Level COI are $25,000, $100,000, $250,000, $500,000, $1 million and $5 million. The rate bands for YRT remain $25,000, $50,000, $100,000, $250,000 and $500,000.
   
   These enhancements offer a more competitive solution to grow your UL business. See for yourself – run a quote today!
   
   Equation Generation^® IV UL is retired. Equation Generation IV is no longer being offered for new sales effective March 21, 2026.
   We now have the essential UL features in one powerful solution, Equitable Generations UL.
   
   

   Video available French and Chinese.
   
   Please refer to the Transition Rules for all the details on processing your applications. 
   
   Visit our splash page for full product details

   
   More reasons to choose Equitable^® for your UL business
   • Wide range of investment choices through some of Canada’s most prominent fund managers (including sustainable investment options).
   • We are the only UL carrier to offer target-date investment options.
   • Guaranteed Investment Bonus.  An annual rate of 0.75% is added to the policy’s account value starting in year 1.
   • No policy administration fees. No Linked Interest Option (LIO) administration fees (except for LIOs that track indices).
   • Caring claim support through our KIND^TM program.   
   
   Need more information? Please contact your Equitable wholesaler.
   
   
   
   
   
   03/23/26

2. 2026/2027 Dividend scale announcement, plus new Performance and perspective par fund report

   Good news! Equitable’s Board of Directors has approved maintaining our current dividend scale, including the dividend scale interest rate of 6.40%, effective July 1, 2026, through June 30, 2027.*
   
   These factors are also staying the same:
   •  The interest rate* used to decide the dividend scale is unchanged at 6.40%.
   •  The interest rate for policies with dividends on deposit stays at 3.50%.
   •  The interest rate for most policy loans continues to be 6.50%. **
   
   A stable dividend scale reflects strong, long‑term management of the participating fund.
   
   Find out what’s new with Equitable Individual Insurance and hear the 2026 Dividend Scale announcement

   (*French and Chinese events will be partially in English, with sub-titles on screen).
   
   New! Performance and perspective participating fund report
   You now have a powerful new resource, Performance and perspective, to support your client conversations about Equitable’s participating fund. It’s designed to give you a transparent view of 2025 participating fund performance to help you explain long‑term value simply, and position Equimax^® participating whole life as a long‑term solution, not just a product.
   
   View the Performance and perspective report: English, French, Chinese
   
   Reasons to use Performance and perspective
   • It strengthens your conversations and builds client confidence by showing the participating fund asset mix, historical performance and long‑term approach all in one place.
   • It helps you explain with clear visuals how the participating account is managed, not just how it performed.
   
   Why this matters to clients
   • They get transparency into where their money is invested.
   • They can see how participating solutions are managed over time, not year to year.
   • They gain confidence in long‑term planning decisions, supported by facts.
   
   Need more information?
   • Dividend Information Page
   • 2026 Advisor Dividend Scale Notice
   • 2026 Client Dividend Scale Notice
   
   *Dividends are not guaranteed and are paid at the sole discretion of the Board of Directors.
   **Applies to new and existing policy loans and automatic premium loans, specifically Equimax^® policies with 9-digit policy numbers beginning with 3 or 8. Older policies may have different loan rates as they reflect the prime interest rate.
    
3. FHSA conversations that move clients closer to home

   Today’s first‑time homebuyers face higher housing costs, rising interest rates and the challenge of saving while renting.  A recent survey suggests two-thirds of Canadians still dream of owning a home despite a challenging market¹. As advisors, you can play a critical role in helping clients navigate these realities and make informed, tax‑efficient decisions.
   
   Join us for a webcast focused on the First Home Savings Account (FHSA) and how it can be integrated with other savings vehicles to support clients on their path to home ownership.
   
   You’ll learn:
   
     • FHSA basics like eligibility, contribution limits, deductions and withdrawals.
     • How the Home Buyers’ Plan via RRSPs, TFSAs and non-registered savings accounts work together with an FHSA.
     • Practical planning ideas using real‑life client scenarios.
     • How Equitable^® can support you with FHSA solutions and advisor tools.
   
   This session will help you confidently position the FHSA within a broader savings and home‑buying strategy, even for clients who may be unsure when or if they’ll buy.
   
   Date: Wednesday, June 17, 2026
   Time: 2:00 p.m. ET | 11:00 a.m. PT
   Duration: 1 hour
   Host: Joseph Trozzo, Investment Sales Vice President, Equitable
   Speaker: Ally Kulak, Inside Sales Associate, Equitable

   Strengthen your FHSA planning — register now! Help clients move closer to their first home.

   
   1 www.investmentexecutive.com
   
   Continuing Education Credits 
   This webcast has been accredited for 1.00 Life continuing education (CE) credit via the Insurance Council of Manitoba and Alberta Insurance Council for all provinces excluding Quebec. To be eligible for CE credits, you must register individually, watch the webcast in full, and complete a short quiz. It is the advisor's responsibility to ensure Continuing Education credits being offered are accepted by their licensing body. Alberta Insurance Council (AIC) credits are valid in Yukon, British Columbia, Alberta, Saskatchewan, Ontario, New Brunswick, Prince Edward Island and Nova Scotia. Insurance Council of Manitoba (ICM) credits are valid in Manitoba only. 
   
   This webcast is available in English only. 
   
   Date posted: June 3, 2026
4. Group Benefits - Premium relief for Dental and Extended Health Care benefits

   We know this is a difficult time for Canadian employers and that many of your clients are facing financial hardship as a result of the COVID-19 pandemic. We continue to look for ways to help employers manage while still supporting their employees.

   With many health practitioners closing their offices due to the pandemic restrictions, plan member use of dental benefits and some health benefits has declined.

   So, we are pleased to announce that we are offering premium relief for all Traditional and myFlex insured non-refund customers for Health and Dental benefits, as follows:

   • A 50% reduction on Dental premiums; and
   • A 20% reduction on vision and extended healthcare rates (excluding prescription drugs), which equates to an 8% reduction on Health premiums. 

   These reductions are retroactive to April 1, 2020 and will appear as a credit against the next available billing. We will assess the situation monthly and expect to continue with monthly refunds for as long as the current crisis period continues.

   We expect that claims experience and premiums will return to normal once the current pandemic restrictions are lifted.

   In the meantime, plan members will continue to have full access to their benefits coverage throughout the pandemic. In many cases, dental offices remain open for emergency services, and a variety of healthcare providers are available virtually.

   Commissions

   We know the pandemic has put financial strain on your business as well, so we will continue to pay full compensation. Although your overall commission will be unaffected by these premium reduction adjustments, you may see a temporary reduction in your commission payments if you are on a pay-as-earned basis while we put through mass changes. If so, we will then make an additional top-up payment to cover that shortfall as soon as we are able.

   Communication

   We will be communicating this premium relief program to your clients April 21st at 8:00am EST.
   
   A PDF of the communication is also available here.

   Questions?

   If you have any questions, please contact your Group Account Executive or myFlex Sales Manager. In the meantime, we have provided some Questions and Answers below.

   Will the premium reduction on Health and Dental benefits have an impact on the renewals that were deferred?
    
   No. Renewals will proceed as normal, with rate adjustments based only on months where full premium was paid. For most clients, we anticipate “normal” rate adjustments at renewal compared to rates paid prior to refunds taking effect.
    
   Does this adjustment apply equally to clients who have had their renewal deferred?
    
   Yes, these adjustments apply to all Traditional and myFlex insured, non-refund customers for Health and Dental benefits.
    
   How does this affect clients who have terminated or amended a plan?
    
   If a benefit is in-force during the month of April, the adjustment will be credited to the next available billing. For clients who have temporarily terminated all benefits, this will be applied against the first bill once benefits have been reinstated. No cash refunds will be paid.
    
   Will you recover any of the adjustment at a future point in time?
    
   No, we will not recover this adjustment.
    
   Instead of this premium reduction adjustment, can a client cancel or adjust some of the benefits on their plan?
    
   Yes, you and your clients always have the option of changing the coverage on a plan, such as reducing or removing a benefit to help control costs. Please speak to your Group Account Executive or myFlex Sales Manager about the options available.
    
   Are TPAs and self-administered groups eligible for the premium reduction?
    
   Yes. TPAs and self-administered groups are eligible for the premium reduction. However, timing for the credit will be dependent on the billing practices of the TPA or self-administered group. We will apply these credits as soon as we are able.

5. [pdf] Your Guide to EquiLiving (Client Guide)
6. [pdf] Benefits of segregated funds in a TFSA
7. [pdf] the myFlex Difference
8. With the Equitable Life FHSA, you don’t have to wait to get clients’ money working for them The Equitable™ First Home Savings Account is off and running! Thanks to your amazing support, many clients have already taken advantage of the great benefits the FHSA has to offer. Let’s keep the momentum going.
   
   Clients don’t need to wait to start making their dream of home ownership a reality!
   
   With the Equitable FHSA they can put their money to work right away.  Available on Pivotal Select™ Investment Class (75/75) and Pivotal Select Estate Class (75/100), the Equitable FHSA offers clients an array of investment products to suit their individual needs and risk tolerance.
   
   Don’t wait. Get clients started today!
   
   And, clients who open a FHSA before December 31, 2023, have a chance to win $8,000 towards their 2024 FHSA contribution. And, the advisor wins $2,000!   
   
   To open a FHSA for clients, log into EZcomplete®, our highly rated online application tool. It is easy to use, convenient, and fast.  
   
   For more information on FHSA, including a FAQ, and client materials, visit EquiNet® or contact your Regional Investment Sales Manager.  
   
   ® and ™ denotes a trademark of The Equitable Life Insurance Company of Canada. 
   
   Equitable FHSA Contest: No purchase necessary. Contest period September 11 to December 31, 2023. Enter by making a deposit to an Equitable FHSA during the contest period or by submitting a no-purchase entry. One prize for a total value of $8,000 CAD to be drawn on January 16, 2024, will be awarded. The servicing advisor for the policy to which the selected entrant made the deposit is also an eligible winner will receive a $2,000 CAD prize. For example, if an Equitable client is a winner of the $8,000 prize, the client’s servicing advisor wins a $2,000 prize. Open to legal residents of Canada of the age of majority. Odds of winning depend on number of eligible Entries received during the Contest Period. For full contest rules, including no-purchase method of entry, see full contest rules.
   
   Posted November 7, 2023
9. EZtransact Training and Resources
10. Responding to Alberta's Biosimilar Initiative

    Beginning March 15, 2021, we are changing coverage for some biologic drugs in Alberta in response to the province’s Biosimilar Initiative. These changes will help protect your clients from additional drug costs that may result from this new government policy while still providing access to equally safe and effective biosimilars.

    What is Alberta’s Biosimilar Initiative?

    Alberta’s Biosimilar Initiative will end provincial coverage of several originator biologic drugs for some or all conditions beginning on Jan. 15, 2021. Patients 18 and over who are using these drugs for the affected conditions will be required to switch to biosimilar versions of the drugs to maintain coverage under the province’s government drug plan.

    What is the impact on private drug plans?

    Industry response to Alberta’s Biosimilar Initiative has the potential to significantly impact your clients’ drug plan costs. If other insurance carriers follow suit with the province and delist the originator biologics, it could expose a plan that doesn’t delist them to significant coordination of benefits risk. (See Case Study below.)

    How is Equitable Life responding?

    To protect your clients’ plans from paying additional and avoidable drug costs, we are changing coverage in Alberta for most biologic drugs included in the provincial initiative.

    As of March 15, 2021, several originator biologic drugs will no longer be covered for plan members of all ages in Alberta. Plan members taking these biologics will be required to switch to the biosimilar versions of these drugs to maintain eligibility under their Equitable Life plan.

    What drugs and conditions are affected?

    The following table outlines the drugs and conditions that will be affected by this change. The list of affected drugs or conditions is dynamic and will change as Alberta includes more biologic drugs in its Biosimilar Initiative, as new biosimilars come onto the market, and as we make changes in drug eligibility.

    Drug name	Originator biologic   These drugs will no longer be covered in Alberta for the conditions listed in this table.	Biosimilar   Plan members will need to switch to these medications to maintain coverage under their Equitable Life plan.	Affected health conditions   The changes in coverage apply to these conditions.
    Etanercept	Enbrel	Brenzys Erelzi	Ankylosing Spondylitis Rheumatoid Arthritis Polyarticular juvenile idiopathic arthritis (JIA) Psoriatic Arthritis Plaque Psoriasis (adults and children)
    Infliximab	Remicade	Inflectra Renflexis Avsola	Ankylosing Spondylitis Plaque Psoriasis Psoriatic Arthritis Rheumatoid Arthritis Crohn's Disease (adults and children) Ulcerative Colitis (adults and children)
    Insulin glargine	Lantus	Basaglar	Diabetes (Type 1 and 2)
    Filgrastim	Neupogen	Grastofil Nivestym	Neutropenia
    Pegfilgrastim	Neulasta	Lapelga Fulphila Ziextenzo	Neutropenia
    Glatiramer*	Copaxone	Glatect TEVA-Glatiramer Acetate	Multiple Sclerosis

    *Glatiramer is a non-biologic complex drug.

    How will Equitable Life communicate this change to plan members?

    We will be communicating with affected claimants in January 2021 to allow them ample time to change their prescriptions and avoid any interruptions in their treatment or their coverage.

    Can my client maintain coverage of these biologic drugs?

    Traditional groups who wish to opt out of this change and maintain coverage of these originator biologics for Alberta plan members can submit a policy amendment. Amendments must be submitted no later than January 15, 2021. Advisors with myFlex Benefits clients who wish to maintain coverage of these originator biologics for Alberta plan members should speak to their myFlex Sales Manager to confirm their eligibility to opt out of this change.

    Will this change impact my clients’ rates?

    The rate impact of this change in coverage will be relatively insignificant. Any cost savings associated with the change will be factored in at renewal.

    If plan sponsors opt out of these changes and maintain coverage for the originator biologics, it may result in a rate increase. Any rate adjustment will be applied at renewal.

    What is the difference between biologics and biosimilars?

    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 drug they are based on and have been shown to have no clinically meaningful differences in safety or efficacy.

    Questions?

    If you have any questions about this change, please contact your Group Account Executive or myFlex Sales Manager.

    CASE STUDY: The Alberta Biosimilar Initiative and Coordination of Benefits (CoB) risk

    CoB risk is real and can be significant, even if a pharmaceutical savings program exists.

    The industry response to Alberta’s Biosimilar Initiative has the potential to significantly impact your clients’ drug plan costs. Some insurers may follow the province’s lead and delist these originator biologics. Others may cut back coverage to the cost of the biosimilars or maintain coverage of the originators. These differences could expose a plan that doesn’t delist the originator biologics to significant coordination of benefits risk. Here’s how:

    Let’s assume there are two private drug plans – Plan A and Plan B. Both plans are open plans with no deductible. Plan A has 80% co-insurance and Plan B has 100% co-insurance.

    BEFORE Alberta’s Biosimilar Initiative

    Before Alberta’s Biosimilar Initiative, both plans cover the originator biologics listed above.

    Plan A is the first private payer for an Alberta plan member taking an originator biologic drug for Rheumatoid Arthritis. Plan B is the second private payer. The cost of the originator biologic for the plan member is $30,000 annually. Here’s how the coordination of benefits would look before Alberta’s Biosimilar Initiative.

    

    
    AFTER Alberta’s Biosimilar Initiative

    In response to Alberta’s Biosimilar Initiative, the insurer for Plan A delists the originator biologic and requires plan members to switch to the biosimilar. The insurer for Plan B maintains coverage of the originator biologic. Under this scenario, if the plan member doesn’t switch, Plan B essentially becomes the first payer and sees their annual cost increase by 400% (from $6,000 to $30,000).

    

    
    Even if the insurer for Plan B cuts back coverage to the cost of the biosimilar or adjusts the paid amount because they have a savings program in place with the drug manufacturer, the impact could be significant. For example, if the insurer cuts back coverage to 50% (or $15,000 annually), Plan B would see a 150% annual cost increase (from $6,000 to $15,000):