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1. Clients could win $8,000 with an Equitable Life FHSA!

   
         

   
   The Equitable Life^® First Home Savings Account (FHSA) is available!  

   
   Offered on Pivotal Select™ Investment Class (75/75) and Pivotal Select Estate Class (75/100), this is a great opportunity to help clients achieve their dream of home ownership. 

   
   Clients who open a FHSA between September 11 and December 31, 2023, have a chance to win $8,000 towards their 2024 FHSA contribution.  And the advisor wins $2,000!   

   
   Help make a client’s dream of homeownership a reality, starting today!   

   
   To open a FHSA for clients, log into EZcomplete, our highly rated online application tool. It is easy to use, convenient, and fast.  

   
   For more information on FHSA, including an FAQ and client materials, visit EquiNet or contact your Regional Investment Sales Manager.  

    

   
   ® and ™ denotes a trademark of The Equitable Life Insurance Company of Canada. 

   Equitable Life FHSA Contest: No purchase necessary. Contest period September 11 to December 31, 2023.  Enter by making a deposit to an Equitable Life FHSA during the contest period or by submitting a no-purchase entry. One prize for a total value of $8,000 CAD to be drawn on January 16, 2024, will be awarded. The servicing advisor for the policy to which the selected entrant made the deposit is also an eligible winner will receive a $2,000 CAD prize. For example, if an Equitable Life client is a winner of the $8,000 prize, the client’s servicing advisor wins a $2,000 prize.  Open to legal residents of Canada of the age of majority. Odds of winning depend on number of eligible Entries received during the Contest Period.  For full contest rules, including no-purchase method of entry, see full contest rules. 

   Posted September 11, 2023

2. Easier group enrolment and more group benefits updates

   Make enrolment easier for your clients with online plan member enrolment (OPME)

   Enrolling new plan members can be overwhelming – for both you, your clients and their employees. It’s time-consuming to manually load new members and challenging to ensure they complete the necessary paperwork before the enrolment deadline.
   
   Our Online Plan Member Enrolment (OPME) tool is available at no extra cost for all your Equitable Life clients and offers a more secure and efficient alternative to traditional paper enrolment. Using their computer or mobile device, employees can enrol in their benefits plan in just minutes.
    
   The user-friendly tool allows plan members to easily enter all their enrolment information, including:
   • Dependent details
   • Banking information for direct deposit of claim payments
   • Details for coordination of benefits
   • Beneficiary designation 
   The online enrolment tool can be used by both new groups and existing clients enrolling new plan members. The tool reduces errors and rework that can occur due to spelling mistakes or missing information on paper forms. 
   
   The days of chasing plan members for their paper enrolment forms are gone. Once plan administrators enter a few employee details, our system automatically sends an email to each plan member, inviting them to enrol in their benefits program. And there will be no need for your clients to send reminders or follow up with employees about their benefits enrolment. It’s all done automatically. 

   Support with using OPME

   To learn more about the benefits of using OPME, check out our Online Plan Member Enrolment Flyer. We also encourage you to share more information with your clients:
   • Online Plan Member Enrolment Overview
   • Quick Reference Guide
   We also have helpful reference guides for plan members, to help them use the tool: 
   • Online Plan Member Enrolment Quick Reference Guide
   • myFlex Online Plan Member Enrolment Quick Reference Guide
   To learn more about accessing OPME, your clients can contact their Equitable Life Client Relationship Specialist or myFlex Benefits Team for support.
   
   Help your clients spend less time administering group benefits. Contact your Group Account Executive or myFlex Sales Manager to learn more about our online plan member enrolment.
    

   Coming soon: A survey to help us serve your clients better*

   We are committed to providing your clients and their plan members with industry-leading service. We’ve introduced several enhancements over the past year to make it easier to do business with us. And we’re continually looking for ways to improve.
    
   This month, we will conduct a survey of your clients to help us understand how we can better serve them. Plan administrators will receive an email with a link to the survey, which will take between five and 10 minutes to complete. 
   
   Please encourage your clients to participate. Their feedback will be confidential, and their responses will help us improve our service and ensure we’re meeting their expectations. We will also allow them to provide their name so that we can follow up with them to address any concerns they’ve identified.
    
   We know your clients’ time is valuable. So, each plan administrator who completes the survey will be entered into a random draw for a chance to win one of 3 prepaid gift cards for $200.
    

   Improved mental assessment features for FeelingBetterNow®*

   Mensante has enhanced its FeelingBetterNow® online platform to make it easier for plan members to assess the state of their mental health and talk to their health care provider about treatment options. FeelingBetterNow is part of our Equitable HealthConnector suite of wellness solutions and is available for an additional cost. It can help plan members easily identify if they are at risk for a number of common mental health issues, including depression, anxiety and substance abuse.  

   Upgrades to the platform include:

   • New features to help plan members better gauge their progress in the assessment.
   • A printable Action Plan that plan members can share with their health care provider to initiate conversations about managing their mental health challenges.
   • A new “follow-up” module to help plan members assess the care they’ve received from their health care provider and identify care gaps.
   • An Assessment Outcome Page, which allows plan members to view their diagnostic risks across mental health disorders for a more holistic picture of their health.
   To learn more about how FeelingBetterNow can help your clients’ plan members take charge of their mental health, view our overview or contact your Group Account Executive or myFlex Sales Manager. 
    

   Over-age dependants losing coverage?*

   Your clients’ plan members may have dependants approaching the maximum age for eligibility under their group benefits plan. If so, members should be aware of their options for dependant coverage. 

   Coverage for full-time students and dependants with disabilities

   The dependants of your clients’ plan members may be eligible to continue their coverage under the current plan if: 
   • The dependant is attending a post-secondary school full-time; or
   • The dependant is disabled. 
   In either case, the plan member can complete the Application for Coverage of Dependent Child Over Age 21 (Form #441) and submit it through our online document submission tool. The tool is available under My Resources in the plan member’s Group Benefits account at EquitableHealth.ca.  

   Coverage2go for over-age dependants

   Dependants who aren’t eligible for continued coverage under the plan can apply for Coverage2go®, a month-to-month health and dental plan for individuals losing their group coverage.**
   
   Coverage2go is affordable, reliable and allows the over-age dependants to choose the level of coverage and protection that suits their personal situation. With no medical questions required as long as they apply within 60 days of losing their coverage, your clients’ plan members can ensure that their over-age dependants have the coverage they need.
   
   Plan members can receive a quote within minutes. Please direct your clients to Coverage2go on Equitable.ca to learn more.  
    
   **Quebec residents are not eligible for Coverage2go.

   Forfeiture reports for HCSAs and TSAs on EquitableHealth.ca*

   As a reminder, your clients can access forfeiture reports for their Health Care Spending Account (HCSA) and Taxable Spending Account (TSA) usage on EquitableHealth.ca.  

   HCSA summary by plan member

   HCSA summary reports provide an overview of each plan member’s account activity and balances. These reports include the total amounts allocated, the amount claimed to date, the net balance, and the amount of funds that will be forfeited based on claims paid to date. Please note that plan members’ claim submissions will remain confidential and will not be viewable by the employer on this summary.
   
   Your clients can provide each plan member with their HCSA summary, if they wish.  

   HCSA account forfeiture by plan member

   HCSA forfeiture reports detail the amount that each member will forfeit if they do not use it. The amount is based on claims that have been paid to date within the benefit year period.  

   HCSA account totals by plan member

   Your clients may wish to access the HCSA account totals reports, which reflect the information in each plan member’s HCSA summary report. For terminated employees, the Funds Available field will display as zero, regardless of the balance in the account when terminated. 
   
   At least three months before the end of the benefits period, your clients should remind their members to use their allocated HCSA and TSA amounts.
   
   If your clients need help accessing these reports, they can reach out to their Regional Office Service team for assistance.
   
   * Indicates content that will be shared with your clients.
   
   
   
    
3. Join us for an Equitable Life Master Class webcast featuring Daryl Diamond, Dynamic Funds

   Building Your Business in the Retirement Income Market featuring Daryl Diamond, Chief Retirement Income Strategist, Dynamic Funds 
   
   You’re invited to our next Equitable Life Master Class webcast offering compelling topics and unique ideas from leading experts to help you manage and grow your business. 
   
   Daryl Diamond is an author, educator and sought-after speaker on how clients can achieve the greatest security and satisfaction during the retirement years. 
   
   
   In this Master Class, Daryl Diamond will discuss how the last four years have been extremely challenging for retirees, pre-retirees and for the advisors who service them. He will focus on key aspects of retirement income planning from the perspective of: 

   • delivering and sustaining tax-efficient income, 

   • managing high inflation, 

   • investing in volatile markets, and 

   • navigating high interest rates. 

   
   Learn more

   
   Posted October 11, 2023

   Continuing Education Credits 

   This webinar has been submitted for continuing education (CE) approval with the Insurance Council of Manitoba and Alberta Insurance Council for all provinces excluding Quebec. Upon approval, you will be sent an email notification to come back to the webinar presentation console to download your personalized certificate from the tool bar. To be eligible for CE credits, you must register individually, watch the webcast in full and complete a short quiz. This webcast is available in English only. 

   
   
   ® denote a registered trademark of The Equitable Life Insurance Company of Canada
4. Additional details for age and amount increase
5. When we grow together, success is mutual

   Equitable^® announces the return of its popular Step Up Your Wealth sales campaign! Again, this year, we are rewarding advisors who promote Equitable’s Savings & Retirement products to both existing and new clients, as part of a comprehensive investment strategy.

   At Equitable, we offer a complete range of investment products designed to meet the savings, accumulation, and income needs of Canadians. Our strength as a mutual company, combined with our diverse lineup of competitive solutions, can help clients achieve their financial goals with confidence.
   
   
   Join us and take advantage of the opportunity to grow clients’ wealth while being rewarded for your efforts. Together, we can help Canadians achieve their financial dreams. For more information, visit our website or speak to your Director, Investment Sales today.

   *The bonus amount will be calculated at the end of 2025 based on net deposits. The bonus will be paid within 90 days following December 31, 2025. Maximum bonus payable is $100,000 for re-qualifying Elite advisors; $75,000 otherwise. ¹ Re-qualifying Elite advisors are advisors who attained Elite status at the end of 2024 and maintain Elite status at the end of 2025. To attain Elite advisor status, an advisor must have $1,250,000 in gross deposits in at least five policies or $10,000,000 in assets. For re-qualifying Elite advisors that reach $10,000,000 or more in net deposits in both 2024 and 2025, the maximum payment is $200,000. Equitable reserves the right to end or after the Step Up Your Wealth sales campaign at any time and without notice.
   
   Date posted: January 6, 2025
    
6. Equitable Sales Illustration System User Tips
7. AI – Not a replacement for good judgement

   When it comes to AI, clients’ interests come first   

   Artificial intelligence, or AI, is changing how we work in Canada. It helps us do things faster, makes talking to others easier, and takes care of many daily tasks. As of mid-2025, studies show that more than 68% of Canadian financial firms — including about 15,000 advisors and 2,500 agencies — have already started using AI to stay ahead, reach clients, and handle routine tasks.^_1,2
   
   For financial advisors, AI can be useful and exciting, as long as it’s used wisely and always with client privacy and regulatory compliance in mind.
   
   AI can make your day-to-day work easier but use it with care:
   • Know the risks as well as the rewards
   • Remember, AI is a tool —it can’t replace your expertise and good judgement!
   • When using AI, always protect client privacy and follow the rules
   
   AI is changing how we all work. To help you keep up, we encourage you to stay up to date with industry news and tips about AI. For example, the following recent news article has some helpful tips on using AI safely and effectively in your practice: Using artificial intelligence can pose risks for advisors
   
   When you use AI, stay vigilant and informed, use your good judgement—and always put the client’s interests first.
   
   
   
   ¹Canadian Artificial Intelligence Business Adoption Survey 2025, Finance and Technology Insights Canada.
   ²Financial Advisors & Agency Technology Integration Report, Canadian InsurTech Analytics, July 2025.
    
8. Are Canadians more FHSA-savvy in 2025? Recent insights have shown that a significant number of Canadians are unfamiliar with the First Home Savings Account (FHSA). However, the landscape is gradually evolving. While many are still getting acquainted with the features and benefits of this savings tool, financial advisors and industry experts note that awareness is steadily increasing. The knowledge gap is beginning to close. The largest group of contributors were Canadians aged 25 to 34, accounting for over 57% of all FHSA users¹. This suggests that Generation Z and younger millennials are leading the charge in embracing the FHSA.
   
   Why is this age group so quick to adopt? The FHSA offers a unique blend of benefits. These include contributions that are tax-deductible like an RRSP and withdrawals for a first home purchase are tax-free like a TFSA. Financial author David Chilton even called it “the greatest deal in the history of Canadian savings.”¹
   
   Despite the strong uptake among younger, higher-earning Canadians, there’s still work to be done. Many older Canadians and those with lower incomes remain unaware of the FHSA’s benefits and unsure how it fits into their financial plans. This presents a clear opportunity for advisors to continue educating—especially through digital channels and personalized advice.
   
   The FHSA is proving to be more than just a niche product—it’s becoming a cornerstone of first-time homebuyers’ strategy. With continued outreach and education, more Canadians will be empowered to take advantage of this valuable savings tool.
   
   Want to learn more? Speak to your Director, Investment Sales.
   
   ¹ Source: https://www.canadianmortgagetrends.com/2025/04/fhsa-sees-strong-uptake-among-young-high-earning-canadians-in-its-first-year/
   
   Date posted: October 2 2025
9. Lin covers her life, her partner, her home, and business with Equitable’s Term Life insurance Lin has just opened her new business. Her partner Terri has supported her through it all, managing the bills and the mortgage so Lin can focus on getting her store established. Lin knows they’ve both worked so hard to achieve what they have.
   
   She wants to make sure they’re covered in case anything happens to either of them.
   With Equitable Life^® Term Insurance, Lin can get affordable life insurance, which covers her and Terri’s current needs but is also flexible enough to change as their needs change.
   
   This video can help you start the conversation with clients about Term insurance. It walks them through the different term options and the value of being able to convert term coverage to a permanent life insurance policy later on. It also details the KIND^TM benefits that are currently available with Term insurance.
   
   Plus, check out our Term product page, then click on the Marketing Materials tab for the latest Term marketing materials.
   
   Want to learn more? Reach out to your local wholesaler.
   
   
   
   
   Watch our new Term insurance with Equitable Life of Canada video to learn more. See it on Vimeo or YouTube.
   
   
   
    
   ^® and ™ denote trademarks of The Equitable Life Insurance Company of Canada.
10. 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