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  1. 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
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    (*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.
     
  2. 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. 
  3. Backdating of insurance applications – New rule now in effect

    Great news! We are making it even easier for you to do business with Equitable Life®. We now allow backdating of life insurance applications by up to 364 days. Previously, the maximum backdating period was six (6) months.

    Backdating can result in lower total premiums for the client over the life of a policy based on their younger age at time of application. But clients must pay all the premiums due for the backdated period up front. Thus, backdating is only beneficial when the total premium savings over the life of the policy are greater than the premium due for the backdated period.
     
    To request backdating beyond six (6) months (up to 364 days)
     No special approval is needed. Simply add a note to the Advisor Sheet requesting backdating or contact us at any time prior to policy issue. This step is only necessary when backdating beyond six (6) months as the application will automatically prompt to save age within the 6-month period.
     
    Note: The maximum backdating period for critical illness (CI) applications remains unchanged at three (3) months.

    Questions? Please contact your Equitable Life Regional Sales Manager for more information. 
     
     
     

  4. Crunch The Numbers With Equitable Life’s Savings Calculator

    Whether helping your client determine net worth or reviewing to see if your client’s retirement plan is on track, Equitable Life® is here to help with our online calculators. These number crunching tools can help you answer some of those challenging questions you get asked by your clients. From an RSP loan calculator to home budgeting to even figuring out if your client will be a future millionaire, check out our latest tools.


    Each week in March, we will be sharing an online calculator from our list.


    Share calculators using your Facebook, Twitter or LinkedIn account. 

     

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    Amina is going to get in the habit of saving by putting $25 a month into her RRSP. Her friends don’t think it is worth the effort. Does it matter how much you contribute?

     

    Did you know?

    Consistent investments over several years can be an effective strategy to accumulate wealth. Check out Equitable Life’s Savings Calculator.

  5. [pdf] Managing a Retirement Savings Plan tax refund
  6. Extending premium relief for Dental and Extended Health Care benefits

    We know this continues to be a challenging time for Canadian employers and we remain committed to looking for ways to help your clients manage while still supporting their employees.

    Although many health practitioners have re-opened as pandemic restrictions are lifted, plan member use of dental benefits and some health benefits still remains lower than normal in June.

    We are pleased to announce that we are extending premium relief for all Traditional and myFlex insured non-refund customers for Health and Dental benefits for the month of June, as follows:

    • A 25% reduction on Dental premiums; and
    • A 5% reduction on Extended Health Care premiums.

    These reductions are effective for June 2020 and will appear as a credit on the July bill, or against the next available billing. We will assess the situation monthly and will continue with monthly refunds for as long as the current crisis period continues. The size of the credit may change over time as dentists and other health practitioners gradually reopen their offices. We will confirm premium credits for July (if any) at a later date. Credits for subsequent months will be communicated on a month-by-month basis.

    In order to be eligible for the monthly credit calculation and payout, a policy must be in force on the first of the month and remain in force thereafter. The monthly credit calculation is based on employees in force on the June bill. If employees experienced layoffs during the month, that would not affect eligibility for a premium credit as long as the benefit itself is not terminated.

    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 have remained 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.

    Communication

    We will be communicating this premium relief program to your clients later this week.

    Questions?

    If you have any questions, please contact your Group Account Executive or myFlex Sales Manager. You can also refer to our online COVID-19 Group Benefits FAQ.

  7. Exciting update: External transfer now available on EZtransact! We are thrilled to announce a new feature that will make your work easier and more efficient.

    What’s new this quarter? 
    The External Transfer function was introduced to Equitable’s EZtransact® on May 14.

    Benefits of this enhancement:                                                                                                                                                                          
    This feature is part of our strategic plan to help make transactions smoother for you. It was already available in EZcomplete®, and now it’s on EZtransact too. This means you won’t have to search for information about the relinquishing institution anymore. You can submit requests with ease.

    External Transfer Functionality:

    •  You can digitally request a transfer of funds from other institutions to Equitable.
    •  Information about the relinquishing institution will be available on EZtransact, so you don’t have to search for it.
    •  Both full and partial transfer requests are available.
    •  It’s available for registration types that don’t need the RC720/RC721 form and for individual accounts.
    If you have any questions, reach out to your Director, Investment Sales.

    When we work together, success is mutual.

    Date posted: July 3, 2025 
  8. Equimax Estate Builder® reprice
  9. Get the Straight Talk on Equitable’s par account performance

    Real answers to big questions

    At Equitable, we understand how important it is to make confident decisions when dealing with large cases. When you have questions, you need concise, direct insights from leaders and subject matter experts.

    Introducing the Straight Talk video series

    Today, we are thrilled to share the first episode of Straight Talk. This episode features Mark Arruda, VP of Individual Insurance Pricing and Finance.

    Mark talks about how Equitable’s par account is built to perform in all kinds of conditions, with strong governance, disciplined risk management, and prudent capital practices that ensure stability even when large life insurance claims are paid out.

    Watch Straight Talk for straight answers to the questions that matter most.

    Contact your Equitable Wholesaler to learn more about Equimax.