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1. Message from Equitable President and CEO Fabien Jeudy

   I’m pleased to share our new brand with you. It’s an expression of our renewed purpose and commitment to work together, with our partners, to focus exclusively on our clients, protecting today and preparing tomorrow.

   Our commitment to you

   The new Equitable^® brand signifies our focus on making it even easier to do business with us. To continuously refresh our products to meet the evolving needs of Canadians. And to strengthen our partnerships that enable growth and positive outcomes. The result is an uncompromising commitment to our clients, our partners, our advisors, and our people.

   A year of transitioning to our new brand

   Over the next year, we’ll make the transition away from our legacy look as our new look starts to emerge.  We’ll invest in building more brand awareness so that together we can help even more Canadians. What you should know is that no matter old or new, our commitment is always focused on our clients, together with our partners.

   Join us in the journey

   We’ll provide more details on the changes we’re making, and we welcome you to join in the journey. I encourage you to reach out to your Equitable point of contact or visit equitable.ca to learn more.
   
    
   Why Equitable? The Power of Together.  
   View video on Vimeo.
   
    
   Equitable’s New Logo.
   View video on Vimeo.
   
   
   Sincerely,
   Fabien Jeudy
   President and CEO

2. Making it easier to do business with Equitable We wanted to share some exciting updates with you that focus on enhancing your experience with Equitable^®. Improving your journey with us is a top priority, and we continually seek ways to make doing business simpler and more convenient.
   
   The following are our latest enhancements designed specifically to benefit you.
   
   New annual premium payment options for Life and Critical Illness plans
   ● Great news! We recently introduced new additional payment methods for clients making their first and subsequent annual insurance premium payments.
   ● And - we're thrilled to introduce a new lower annual premium requirement of $2,500 for clients who wish to pay their annual premiums by Pre-Authorized Debit (PAD)!
   ● Learn more about these changes here.
   
   Improved forms for requesting in-force illustrations
   ● We understand the importance of efficient workflows, and that's why we have recently updated and improved the following forms to make requesting inforce illustrations even easier:
   ● Term, CI & Whole Life Illustration and Quote for inforce policies
   ● Universal Life Illustration and Quote for inforce policies
   
   For these and other Equitable forms, navigate to EquiNet^® -> Individual Insurance -> Forms.
    
   We trust that these improvements will be met with enthusiasm! And this is just the beginning – stay tuned for more enhancements in the new year!
   
   Questions? Please reach out to your local wholesaler or our customer service team.
   
    

   ^® or ^TM denote trademarks of The Equitable Life Insurance Company of Canada

3. Open doors with our updated CI & UL solutions! Have you heard the news? On October 8th, we rolled out several updates to our competitive Equitable^® product lineup—including our Critical Illness (CI) and Universal Life (UL) plans. 
   
   These updates are all about cost savings for clients and helping advisors like you grow your business. And the response has been fantastic!

   
   What’s new for CI and UL?

   1. Lower monthly costs for new EquiLiving^® critical illness (CI) policies paid monthly – hello savings!

   •    The monthly modal factor for CI decreased from 0.09 to 0.0867.
   •    The monthly policy fee decreased from $4.50 to $4.34.
   
   *Note:  EquiLiving premium rates and annual policy fees have not changed. 
   
   2. Lower monthly costs for UL policies with CI riders added – now it’s more affordable to add CI coverage when selling UL!

   
   
   Commissions got a makeover too

   Good news! Commissions on Term and EquiLiving CI policies are now calculated based on the total premium paid for the policy year—even if clients opt for monthly payments. No more annual premium commission calculations!
   
   Learn more! 
   
   Questions? Contact your Equitable wholesaler for all the details.
   
   Cheers to savings and growing your business with Equitable!
   
   
   
   
   
   ^® or ^TM denotes a trademark of The Equitable Life Insurance Company of Canada.

4. 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.
    
5. 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
6. 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:
   
     
7. 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/
    
8. [pdf] Sales Illustration System FAQ
9. [pdf] Segregated Fund Semi-annual Report - June 30, 2025
10. [pdf] Segregated Fund Annual Report - December 31, 2025