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[pdf] Corporate Preferred Retirement Solution (shareholder borrowing) (generic flyer)
[pdf] Corporate Preferred Retirement Solution (corporate borrowing) Checklist
The value of Equitable Life’s EZcomplete online application for Pivotal Select
Necessity is the mother of invention. And COVID-19 has taken Equitable Life’s® EZcomplete® online application to the next level. Prior to the pandemic, EZcomplete was touted as being convenient and easy to use. Well, it is. But now…it is so much more.

Whether secure in an office or safe at home, EZcomplete’s non face-to-face capabilities include an alternative to physical verification. EZcomplete simply requires verification of ID using a third-party service provider. The third-party service provider completes the verification behind the scenes using information that was already required to complete an application. By removing the physical ID requirements, the ID verification process has been automated and simplified.

EZcomplete’s electronic signature functionality is also easy and secure. To enable a remote signature, your client just provides an e-mail address. Your client will receive a link and security code that you provide. The client enters the code, reviews the application and e-signs the documents.

Step by step directions ensure you have the right details without any confusing or unnecessary questions. Highlighted fields alert you to any missing information, eliminating any extra work or effort. The immediate processing also helps make it an attractive resource.

Whether selling segregated funds face to face or from the comfort of home, Equitable Life’s EZcomplete online application and Pivotal Select™ segregated fund line up provide the solution for even the most rattled and weary investor. Learn more, visit EquiNet or contact your Regional Investment Sales Manager.
[pdf] Equinet FAQ
EquiNet-FAQ
Equitable Sales Illustration System User Tips

Equitable Life Group Benefits Bulletin – October 2020

In this issue:

Group benefits enrolment just got a lot easier*
Critical Illness added to myFlex Benefits® selection tool**
ASO dental available down to 3 lives
QDIPC updates terms and conditions for 2021*

*Indicates content that will be shared with your clients
**Indicates content that will be shared with myFlex Benefits groups only

Group benefits enrolment just got a lot easier*

Our Online Plan Member Enrolment tool now makes it simple to add new employees to the benefits plan.

Enrolling new plan members can be overwhelming – for both you, your clients and their employees. It’s challenging to ensure plan members complete the necessary paperwork before the enrolment deadline, and time consuming to manually load new members.

That’s why we’re updating our plan member enrolment experience. Beginning November 2^nd, 2020, all Equitable Life groups will be able to easily enrol new employees in the benefits plan with our Online Plan Member Enrolment Tool.

Benefits of Online Plan Member Enrolment

Our Online Plan Member Enrolment tool offers a more secure and efficient option to traditional paper enrolment. Employees are able to enrol in their benefits plan in just minutes from their computer or mobile device.

The user-friendly interface was built with the plan member in mind. They can easily enter all their enrolment information, including dependent details, banking information for direct deposit of claim payments and details for coordination of benefits. They can even designate their beneficiary electronically.

The online enrolment tool also lessens the effort for plan administrators to onboard new hires. The tool reduces errors and rework that can occur due to spelling mistakes or missing information on paper forms. And the days of chasing plan members for their paper enrolment forms are gone. Once they enter a few employee details, our system will automatically send out an email to each plan member, inviting them to enrol in their benefits program. And there will be no need to send reminders or follow up with employees about their benefits enrolment. It’s all done automatically.

Online plan member enrolment is available to all traditional and myFlex Benefits plan administrators with update access beginning November 2^nd, 2020. Plan administrators just choose “New” from the “Certificate” view in EquitableHealth.ca to get started.

This enhancement is for plan administrators who have update access on EquitableHealth.ca. If your clients are not sure if they have update access, they can contact their Equitable Life Client Relationship Specialist or myFlex Benefits Team for support.

Learn More

We’ve created Online Plan Member Enrolment User Guides to support your clients and their plan members with this new tool:

We’re also offering a series of webinars to help your clients learn about Online Plan Member Enrolment. Plan administrators will receive an invitation with links to register for the time that best suits their schedule.

Help your clients spend less time administering group benefits. Contact your Group Account Executive or myFlex Sales Manager to learn more about our enhanced online plan member enrolment.

Critical Illness added to myFlex Benefits selection tool*

For many employers, mandatory Critical Illness (CI) coverage is an important part of their group benefits package. It provides proactive protection against life-altering illness, helping give plan members and their families a sense of security.

While CI is available on myFlex Benefits plans, it was not built into our benefits selection tool since there is no action required by the plan member.

Beginning November 2^nd, 2020, we are adding a CI page to the myFlex Benefits selection tool that appears when this coverage is included as part of the plan. There are no options to choose – plan members simply review their CI coverage and carry on with the benefits selection process. It keeps the process smooth, while ensuring plan members fully appreciate their employer’s contributions.

Adding CI to the benefits selection tool also simplifies the budgeting process for employers. Now that CI is included in the selection tool, employers no longer need to break out the amount billed for CI from their contribution per employee when loading flex allocations.

To learn more about our myFlex Benefits selection tool or Critical Illness coverage for myFlex Benefits, contact your myFlex Sales Manager.

ASO dental available down to 3 lives

Beginning November 2^nd, 2020, groups with as few as three full-time employees will be able to self-insure their Equitable Life dental benefits with an Administrative Services Only (ASO) funding arrangement.

Currently, dental benefits are only available on an ASO basis for groups with 20 lives or more.

In an ASO arrangement, Equitable Life administers the benefits plan but does not insure it. The plan sponsor pays for all eligible claims, as well as the expenses of administering the plan.

Why ASO?

Choosing an ASO funding arrangement allows plan sponsors to save on premiums. With a traditional insured funding arrangement, a portion of every premium dollar includes a charge for the risk that the insurer is assuming to cover the claims.

With an ASO arrangement, the plan sponsor assumes all risk, so they avoid the risk charge. And since dental claims are usually more predictable than other benefits, there is typically less risk involved in covering those claims.

For more information, contact your Group Account Executive or myFlex Sales Manager.

QDIPC updates terms and conditions for 2021*

Every year, the Quebec Drug Insurance Pooling Corporation (QDIPC) reviews the terms and conditions for the high-cost pooling system in the province. Based on its latest review, QDIPC is revising its pooling levels and fees for 2021 to reflect trends in the volume of claims submitted to the pool, particularly catastrophic claims.

Size of group (# of certificates)	Threshold per certificate 2021	Annual factor (without dependents)	Annual factor (with dependents)
Fewer than 25	$8,000	$251.00	$691.00
25 - 49	$16,500	$165.00	$455.00
50 - 124	$32,500	$94.00	$258.00
125 - 249	$47,500	$68.00	$187.00
250 - 499	$72,000	$49.00	$135.00
500 - 999	$95,000	$40.00	$111.00
1,000 - 3,999	$120,000	$35.00	$95.00
4,000 - 5,999	$300,000	$16.00	$44.00
6,000 and over	Free market - Groups not subject to Quebec Industry Pooling	Free market - Groups not subject to Quebec Industry Pooling	Free market - Groups not subject to Quebec Industry Pooling

We will apply the new pooling levels and fees to future renewal calculations that involve Quebec plan members.

[pdf] Preferred Retirement Solution using Equimax
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.
Quickly calculate first home savings with Equitable Have clients thinking about buying a first home? Equitable^® has a calculator that can help.

Check out our new First Home Savings Account (FHSA) calculator to see how much clients could save. It’s simple to use and shows how money can grow when invested in an Equitable FHSA.

With the calculator, you can:
• Show clients how much they might save
• Demonstrate how savings can grow over time
• Motivate clients to reach their goal

Try the FHSA calculator with clients today. Want to learn more? Talk to your Director, Investment Sales.

Date posted: September 8, 2025