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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
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.
The top individual insurance marketing materials! In 2025 there were five marketing pieces that advisors turned to most. If you haven’t seen them yet, now’s your chance to catch up. We want to help you connect with clients. These materials help make important topics easy to explain.

Top five individual insurance marketing materials:
1. 1024 Guide to individual underwriting. This guide shows how medical and non-medical conditions can affect insurance approvals.
2. 1038 Understanding participating whole life. Explains Equimax^® participating whole life insurance. It also discusses the Participating Account, how dividends are calculated, and how they can impact a policy.
3. 1343 Evidence of insurability. Includes a chart showing the underwriting rules for life insurance products.
4. 1530 Temporary resident underwriting guidelines. This is a list of the documents temporary residents need when applying for individual insurance.
5. 1505 Dividend scale interest rate 30-year historical performance. This chart shows Equitable’s dividend scale interest rate history. It also compares our dividend scale rate to other major economic indicators.

For a list of all our marketing pieces visit our marketing materials page on EquiNet.

Have further questions? Your Equitable Wholesaler is here to help!
December 2023 eNews
Insights on EZBenefits from our Executive Vice-President, Group Insurance

When it comes to advising small business owners, it can be tough to find the right group benefits solution. Offering a competitive benefits plan is more important than ever to help small business owners attract and retain talent. They need an affordable solution that’s easy to implement, renew and maintain.

That’s why we launched EZBenefits for small business earlier this year. It’s a unique group benefits solution designed with you and your small business clients in mind.
Marc Avaria, Executive Vice-President, Group Insurance, explains:

Find out more
Visit info.equitable.ca/EZBenefits for more details or to request a quote. If you have questions, contact your Equitable Group Account Executive.

Supporting plan members through cold and flu season with Dialogue Virtual Healthcare*
Now that cold and flu season is here, many Canadians will start calling in sick or missing work to visit their doctor – if they can get an appointment. Now’s the time to remind your clients that Equitable offers Dialogue Virtual Healthcare. It can be added to any Equitable plan for an additional cost.

Eligible plan members and dependants receive fast, on-demand access to virtual primary medical care—24/7, 365 days a year. Available for a variety of non-urgent health concerns, Dialogue Virtual Healthcare can make it easier to navigate cold and flu season by providing:
- Access to the largest, most experienced bilingual medical team in Canada,
- In-app prescription renewals and refills,
- Personalized follow-ups after each consultation, and
- An all-in-one patient journey to address health issues. This reduces long waits and means less time away for doctor appointments.
Benefits of Virtual Healthcare for plan sponsors
When your clients provide Virtual Healthcare for their plan members, they can help:
- Drive employee engagement;
- Reduce absenteeism related to in-person medical appointments;
- Manage chronic health issues;
- Attract and retain top talent; and
- Build a healthier workforce.
Learn how it works

Adding Dialogue Virtual Healthcare to your clients' plans
To learn more about adding Virtual Healthcare to your clients’ benefits plans, contact your Group Account Executive or myFlex^® Account Executive. You can also share this resource from Dialogue on managing cold and flu season.

Changes to Short-Term Disability benefits calculations*
The Canada Employment Insurance Commission and Canada Revenue Agency have announced the 2024 changes to Maximum Insurable Earnings, and premiums for employment insurance. The following changes to Employment Insurance (EI) will take effect January 1, 2024:
How does this affect your clients?
To comply with client policy provisions, Equitable will revise Short-Term Disability (STD) benefits with the updated maximums based on the percentage of EI Maximum Weekly Insurance Earnings for policies that meet these conditions:
- Policies that include a STD benefit that is tied to the EI Maximum Weekly Insurable Earnings, and
- Policies with a classification of employees that has less than a $668 maximum.
- The additional premium for any increase from their previous STD amounts and new STD amounts will be shown on your clients’ January 2024 Group Insurance Billings (as applicable).
If a client’s STD maximum is currently higher than $668 or based on a flat amount (not based on a percentage or regular earnings), no change will be made to their plan unless otherwise directed.

If your clients wish to provide direction regarding revising their STD maximum, or have questions about the process, they can email Kari Gough, Manager, Group Issue and Special Projects.

*Indicates content that will be shared with your clients.
A message from Cam Crosbie, EVP, Savings and Retirement, Equitable Life
The first half of 2023 has been an exciting and busy year for us at Equitable Life^®.

In this short video, I share with you some of the things we’ve done to show our commitment to you and some of the great things we’ve got planned for the remainder of the year.

I want to thank you again for your continued support and trust in us. We value our partnership and are always working hard to make things better.

Please take a few minutes to watch the video.

Thank you,

Cam Crosbie, Executive Vice-President, Savings and Retirement Division
Equitable Life of Canada

Posted: July 6, 2023

® denotes a trademark of The Equitable Life Insurance Company of Canada.
Delay in Pivotal Select segregated fund client statements

We apologize for the delay in the delivery of our Pivotal Select™ segregated fund client statements. We understand how crucial these statements are for you and clients. We are working hard to resolve the issue. We will post an update on EquiNet® on or before February 7.

We appreciate your understanding and patience during this time. If you have questions or need further assistance, reach out to our Client Care Team at 1.866.884.7427.

Best Regards,

Cam Crosbie,
Executive Vice-President, Savings and Retirement Division
Equitable

Posted February 4, 2025
Update on delivery of Pivotal Select segregated fund client statements
We continue to work on resolving the issue relating to our Pivotal Select™ segregated fund client statements. We understand the importance for you and clients to receive statements in a timely manner. That is why we are working to resolve the situation as quickly as possible. We will provide a further update on February 12, 2025.

We appreciate your understanding and patience during this time. If you have questions or need further assistance, reach out to our Client Care Team at 1.866.884.7427.

Best Regards,

Cam Crosbie,
Executive Vice-President, Savings and Retirement Division
Equitable

Posted February 7, 2025
Delivery Update of Pivotal Select segregated fund client statements
We understand the importance of timely delivery of our Pivotal Select™ segregated fund client statements. We have resolved the issue with delivery of these statements. I can confirm that our Pivotal Select segregated fund client statements will be delivered on February 17, 2025.

We regret the impact this delay may have had on you and clients. Rest assured, we are committed to delivering the highest standard of service and will continue to work hard to earn your business and that of clients. If you have questions or need further assistance, reach out to our Client Care Team at 1.866.884.7427.

Best Regards,

Cam Crosbie,

Executive Vice-President, Savings and Retirement Division

Equitable

Posted: February 12 2025
A message from Cam Crosbie, EVP, Savings and Retirement, Equitable The first half of 2025 has been an exciting and busy year for us at Equitable^®. In this short video, I share with you some of the things we’ve done to show our commitment to you and some of the great things we’ve got planned for the remainder of the year.

I want to thank you again for your continued support and trust in us. We value our partnership and are always working hard to make things better. When we work together, success is mutual.

Please take a few minutes to watch the video.

Thank you,

Cam Crosbie, Executive Vice-President,
Savings and Retirement Division
Equitable

Date posted: June 19, 2025
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