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1. The top five benefits of choosing the 10-pay premium option As part of our December 2024 Equimax^® update, we launched a new guaranteed 10-pay premium option for Equimax Wealth Accumulator^®. This option is a great way for clients to fund their life insurance policy.
   
   The top 5 benefits of the 10-pay premium option:
   
   1. Short Payment Period: After just 10 years, the policy will be completely paid-up, and clients won’t have to make any more payments while still having coverage.
   2. Growing Cash Value: By completing payments in a shorter time, clients can see their cash value grow faster. They can later access this value through policy loans or cash withdrawals if needed.
   3. Level Premiums: The premiums for the 10-pay option stay level over time. This makes it easier for clients to budget.
   4. Estate Planning: A fully paid-up life insurance policy can be a great planning tool for clients who want to leave a legacy for their loved ones.
   5. Tax Benefits: The cash value in a whole life policy grows tax-deferred, and the death benefit is paid out tax-free to beneficiaries.
   
   To learn more about our Equimax 10 pay premium option, visit our splash page:
   
           
   
   Need more information? Contact your local Equitable wholesaler with any questions.
   
   
   ^® or ^TM denotes a trademark of The Equitable Life Insurance Company of Canada.
    
2. Making it easier to do business with us At Equitable^® we are always looking for ways to improve your experience with us. We’ve made the following enhancements to make it easier for you to put your business with us.  
   
   New and Improved UL Fund Performance page
   
   Access more fund performance information faster and easier on our new and improved Fund Overview & Performance website for funds held within Equitable universal life policies. 
    
   We partnered with Fundata to build a central location for fund performance, fund information (available in web and PDF) and Management Expense Ratios (MERs). This fund reporting will be available for all our universal life business (both legacy products and products currently being sold).
   
   Highlights include: 
   ● Save your favourite funds for easy access. 
   ● Fund search and tools to filter by product, asset class and sustainability. 
   ● Share feature allows you to easily share fund information with clients. 
   ● Ability to compare fund performance. 
   
   Check out the new Fund Overview & Performance website today. See how Equitable is making fund information faster and easier to access. 
   
   New “Update Payment” feature for banking changes has launched!
   
   Great news! We have launched a new self-serve "Update Payment" feature in Client Access and on EquiNet^®. This new online capability enables clients and advisors to easily submit key banking change requests for eligible insurance policies*, with no need to complete a physical form.  
   *The Update Payment transactions are only available for eligible policies: those that have not lapsed, are not on Automatic Premium Loan, and are not owned by a corporation or other entity.
   
   What’s new? Clients and advisors can now submit banking changes via EquiNet under Policy Inquiry. It allows them to easily submit requests for the following: stop and resume pre-authorized payments or change banks. Learn more. 
   
   Speak to your individual life wholesaler to learn more about these great enhancements!
   
   ^® or ^TM denotes a trademark of The Equitable Life Insurance Company of Canada
3. Equitable receives FundGrade A awards for outstanding performance Equitable^® is thrilled to announce that several of our funds have received Fundata FundGrade A awards for their exceptional performance in the first half of 2025.
   
   The FundGrade rating system is a great tool for identifying top-performing funds. This recognition highlights our commitment to providing high-quality investment options to clients.
   
   And the winners are…
   The following funds from Equitable's lineup have received a FundGrade A rating this year:
   
   Pivotal Select:
   • Equitable Life NASDAQ 100 ESG Index Fund Select
   • Equitable Life Fidelity^® Climate Leadership Balanced Fund Select
   • Equitable Life Fidelity^® Global Innovators Fund Select
   
   Personal Investment Portfolio/Pivotal Solutions:
   • Equitable Life Invesco Global Bond Fund
   
   
   An enhanced fund performance page
   Equitable has also introduced several new features to our fund performance page to enhance user experience. These updates include:
   • Printable performance reports: Easily accessible and printable reports for detailed fund performance.
   • Equity and Fixed Income breakdowns: Detailed breakdowns by fund displayed on the Fund Details tab.
   • Fund Category display: Clear display of fund categories on the Fund Details tab.
   • Filter enhancements:
     • New “Risk Rating” filter.
     • New “U.S. Equity” filter.
     • Renamed “Domestic Equity” to “Canadian Equity”.
     • Moved “Index Funds” and “Portfolio Solutions” out of asset class filters into “Additional filters”.
   
   For more information on these funds and their performance, and to see the latest enhancements, visit our Fund Performance page.
   
   Questions? Contact your Director, Investment Sales.
   
   FundGrade A is used with permission from Fundata Canada Inc., all rights reserved.
   Date posted: June 10, 2025
4. A bright start to July: our Dividend Scale is now active!

   Effective July 1^st - just in time for summer conversations!

   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. Sharpen your skills with Equitable’s Path to Invest summer learning modules

   Want to stay ahead, bring more value to clients, and earn Continuing Education (CE) credits?

   Equitable^® now offers new online summer modules to help you grow your financial knowledge. These self-paced Path to Invest modules are available on our ON24 platform. You can learn on your own schedule and earn CE credits with ease.

   Whether you want to boost your investment skills or have better client conversations, these courses are here to support your growth.

   The first module, Index Investing, explores the basics of index investing, how it compares to active management, and how using indexes can help diversify client portfolios.

   The second module, Saving for a Home with Equitable, equips you with strategies and tools to guide clients through the homebuying journey, including insights on savings vehicles, intergenerational wealth transfers, and mortgage planning.

   Each course is approved by the Alberta Insurance Council and the Insurance Council of Manitoba. You will earn 1 CE credit for each course after passing the quiz.

   Start learning today! Visit our Learning Centre to begin. 
   
   If you have any questions, reach out to your Director, Investment Sales. When we work together, success is mutual.

   
   Continuing Education Credits
   To be eligible for CE credits, you must register individually, watch the webcast in full and complete a short quiz. These webcasts are available in English only. It is the advisor's responsibility to ensure Continuing Education credits being offered are accepted by the 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.
   
   Date posted: July 17, 2025

6. Equitable’s DSIR leads the way
   Equitable^® offers a 6.40% dividend scale interest rate (DSIR) – the best in our industry¹. But our DSIR is only one of the many benefits of choosing Equitable!
   
   Why choose Equitable?
   • Equitable proudly leads the way: We are the #1 seller of PAR whole life policies in Canada²!
   • Our top DSIR: Helps clients save for the future and builds lasting value.
   • Our Canadian heritage: Established in 1920, we are 100% Canadian-owned, based in Canada and dedicated exclusively to serving the needs of the Canadian market.
   • Our financial strength & growth momentum: We invest with care, keeping clients’ savings safe and growing over time.
   • Our mutuality: As a mutual, our clients come first – and eligible clients share in our success through dividends³.
   • Our service & support: We offer great service, easy-to-use digital tools, and support at every step, making Equitable a trusted choice for clients and advisors alike.
   
   In client meetings, be sure to share these outstanding benefits with clients. Doing so can demonstrate real value and boost your sales.
   
   Questions? Reach out to your Equitable wholesaler or visit EquiNet. We’re ready to help you succeed.
   
   Resources:
   The Power of Together (Video)
   5 Reasons to choose Equitable (1271)
   Dividend Scale Announcement - 2024/2025
   
   ¹ Source: Latest posted DSIR data on competitor websites – 2025.
   ² Source: LIMRA – Canadian Individual Life Insurance Sales Participant Report - Q4 2024.
   ³ Dividends are not guaranteed and are paid at the sole discretion of the Board of Directors. To learn more about our dividend policy and participating account management policy, please visit www.equitable.ca/en/already-a-client/dividend-information/
    
7. Earth Day: A simple way to talk about sustainable investing Earth Day is a great time to talk with clients about investing with purpose. This year’s theme—Our Power, Our Planet—highlights the impact of individual and collective choices, including how we invest.
   
   Many Canadians are interested in sustainable investing, which looks at environmental, social, and governance (ESG) factors alongside long term returns. Clients want to understand how the power of their money can support positive change—without sacrificing performance. Sustainable investing can look at things like reducing carbon impact, supporting fair workplaces, and encouraging strong company leadership.
   
   Watch out for greenwashing
   Not all investments labeled “sustainable” are the same. Some products may use the term without real environmental efforts or strategies. This is known as greenwashing.
   That’s where advisors can add value. By understanding how funds are built and what they hold, you can help clients make informed choices they feel confident about.
   
   How Equitable can help
   Equitable^® offers sustainable investing fund options that include ESG considerations as part of a disciplined investment approach. Take this opportunity to review available options and fund details.
   
   You can also support sustainability through how you work with clients. Equitable’s paperless tools help reduce paper consumption and improve efficiency:
   •    Equitable Client Access^® for online account viewing
   •    EZtransact^® for fast, digital transactions
   •    EZcomplete^® for easy, paper free applications
   
   Take action
   Earth Day is a great time to:
   •    Start simple conversations about sustainable investing
   •    Share Equitable’s sustainable fund options with clients
   •    Promote paperless tools that are better for clients and the environment
   
   Small steps—done consistently—can make a meaningful difference for clients and the planet. If you have questions, speak with your Director, Investment Sales.
   
   Date posted: April 22, 2026
8. [pdf] Equitable HealthConnector
9. [pdf] Third Party Form
10. Equitable Life Group Benefits Bulletin – May 2021

    In this issue:

    • Graduating dependents losing coverage?*  
    • New Brunswick expands the use of biosimilars*
    • Proposed changes to federal recovery and EI benefits*
    • Removal of plan administrator access to update plan member banking*
    • BioScript recognized as one of Canada’s Best Managed Companies*
    *Indicates content that will be shared with your clients
     

    Graduating dependents losing coverage?

    Let plan members know about Coverage2go

    As we reach the end of spring, some of your clients’ plan members may have dependents who are graduating from university or college and will no longer be eligible for coverage under the benefits plan.
     
    Fortunately, we offer Coverage2go®. It allows individuals who are losing their group coverage to purchase personal month-to-month health and dental coverage that is affordable, reliable and works like their previous group benefits plan. They can choose the level of coverage and protection that suits their personal situation.
    
    There are no medical questions – they simply need to apply within 60 days of losing their health coverage under their group benefits plan.*
     
    Help your plan members and their dependents who are losing coverage by letting them know about Coverage2go. They can visit our website to learn more about Coverage2go and to get a quote.
     
    *Quebec residents are not eligible for Coverage2go

    New Brunswick expands the use of biosimilars

    The New Brunswick government recently announced that it will be implementing a biosimilar transition program.
     
    Patients using originator biologic drugs for diseases such as inflammatory arthritis, inflammatory bowel disease, diabetes and psoriasis, will have until November 30, 2021 to switch to the biosimilar version of their medications in order to maintain coverage under the province’s public drug plans. This process will be completed in consultation with the patients’ physicians.
     
    Biosimilars are highly similar to the drugs they are based on and Health Canada considers them to be equally safe and effective for approved conditions.
    
    Equitable Life^® actively monitors and investigates all biosimilar policy changes and the ongoing evolution of biosimilar drugs entering Canada.  We will keep you informed of any impact on private drug plans and how we are responding.

    Proposed changes to federal recovery and EI benefits

    In its recent 2021 budget, the federal government proposed a variety of changes to its benefit programs.
    
    The proposed changes include providing up to 12 additional weeks of the Canada Recovery Benefit to a maximum of 50 weeks. The first 12 weeks of this benefit would be paid at $500 per week and the remaining eight weeks at $300 per week. 
    
    Multiple changes have also been proposed to make Employment Insurance (EI) more accessible to Canadians. The changes include: maintaining uniform access to EI benefits across all regions, supporting multiple job holders and those who switch jobs by ensuring that all insurable hours and employment count towards their eligibility, and simplifying many rules around EI to ensure Canadians can receive benefits sooner. It has also been proposed that the regular EI benefits be extended to no later than November 20, 2021, if needed.
    
    We are analyzing the impact these changes may have to disability benefits. We will provide more details later in the year. 

    Removal of plan administrator access to update plan member banking

    In early June, plan administrators will no longer be able to update banking information for their plan members on EquitableHealth.ca after their initial enrolment. This change has been made to allow plan members to have full control over where they want their claim payments deposited.

    Plan members can update their banking information online through their plan member web portal or through the EZClaim mobile app. They will continue to be notified via email if and when they make any changes.

    BioScript Solutions recognized as one of Canada’s Best Managed Companies

    Congratulations to our partner, BioScript Solutions, for being recognized as one of Canada’s Best Managed Companies of 2021 by Deloitte.
     
    We have partnered with BioScript since 2016 for our Specialty Drug Preferred Pharmacy Network (PPN). This partnership offers cost savings while providing comprehensive, best-in-class patient care.
     
    BioScript is one of Canada’s leading specialty pharmacies and recently celebrated its 20^th anniversary.