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1. September is Life Insurance Awareness Month The perfect time to start conversations with clients.
   
   Many people don’t think about life insurance until it’s too late. This month is a good time to remind clients why life insurance matters. Life insurance can help provide financial protection for families and businesses when they need it most.
   
   As an advisor, you play a key role in helping clients make the right choices to protect the people and things they care about. At Equitable^®, we’re committed to supporting you in guiding clients through these important decisions. To help you start conversations about life insurance, we have created resources that explain the different types of life insurance and how each can help clients meet their unique financial needs.
   
   Use these tools during your client meetings, either in person or online. They can help you explain why life insurance matters, show the different plan options, and build trust with clients.
   
   Let’s work TOGETHER this month to help clients PROTECT TODAY and PREPARE TOMORROW^.
   
   Contact your Equitable wholesaler today to learn more!
   
   
    

   What kind of life insurance is right for you? (1197)

2. Access more fund performance information faster and easier

   
   
   Welcome to a new and improved Fund Overview & Performance  website for Equitable Life^® segregated funds.
   
   A central location for:

   • fund performance and quartile rankings

   • daily and historical unit prices

   • fund information (available in web and PDF)

   • Fund Facts documents

   • MERs

   
   
   Highlights:

   • Save your favourite funds for easy access.

   • New fund search and filter tools by product, guarantee, asset class and sustainability.

   • Share features allow you to easily share fund information with clients.

   • Ability to compare fund performance of Equitable Life segregated funds.

   • Simulated backcasted returns for funds with less than five years of performance history.

    
   Check out the new Fund Overview & Performance webpage today to see how Equitable Life is making fund information faster and easier to access. Speak to your Regional Investment Sales Manager to learn more!
    
    

    _{® denote a trademark of The Equitable Life Insurance Company of Canada.}

   Posted February 27, 2023

3. The average FHSA balance is $3,899—Let’s help clients aim higher The First Home Savings Account (FHSA) is a powerful tool for Canadians working toward homeownership. With tax-deductible contributions and tax-free withdrawals for qualifying purchases, it’s designed to make saving easier and more rewarding.
   
   Yet, with a lifetime contribution limit of $40,000 and an annual cap of $8,000, many clients may not be taking full advantage. The average FHSA balance currently sits at just $3,899*, leaving plenty of room for growth.
   
   Equitable offers three straightforward strategies to help clients boost their FHSA contributions and get closer to their first home—faster:
   
   Set it and forget it with automated contributions
   Consistency is key. By setting up automatic monthly deposits of up to $667, clients can effortlessly reach the annual maximum of $8,000. Equitable makes it easy to schedule recurring transfers from a bank account, helping clients stay on track without the hassle of manual deposits.
   
   Make the most of windfalls with lump sum deposits
   Bonuses, tax refunds, or inheritances can be powerful savings tools. Equitable allows clients to make one-time contributions anytime, helping them catch up on unused FHSA room from previous years and accelerate their savings.
   
   Transfer from RRSPs—tax-free
   Clients who’ve already been saving in an RRSP can transfer those funds into their FHSA—up to their available contribution room—without triggering taxes. This strategy lets them benefit from the FHSA’s tax-free withdrawal feature while staying within their overall savings plan.
   
   Bonus Opportunity: Win big with the Close to Home contest
   From May 1 to September 30, 2025, clients who contribute to an Equitable FHSA will be entered to win one of two $8,000 prizes. Whether opening a new account or making a contribution, it’s a great chance for clients to get closer to homeownership.
   
   Advisors, your efforts matter too!
   You have a chance to win a $1,000 prize if the client you are assisting, in alignment with their unique homeownership needs, is selected as a winner. At Equitable, we believe that when we grow together, success is mutual.
   Don’t forget about Equitable’s user-friendly online application platform, EZcomplete^®, or process an online transaction with ease using Equitable’s EZtransact^®. These tools are fast, simple, and could bring clients closer to achieving their goals.
   
   Want to learn more? Speak to your Director, Investment Sales.
   
   * Source: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/first-home-savings-account/fhsa-statistics.html
   ® and ™ denote trademarks of The Equitable Life Insurance Company of Canada.
   Equitable’s Close to Home Contest: No purchase necessary. Contest period May 1, 2025 to September 30, 2025.  Clients enter by making a deposit to an Equitable FHSA during the contest period or by submitting a no-purchase entry. Two prizes of $8,000 CAD each to be drawn on October 15, 2025 will be awarded. The servicing advisor for the policy to which the selected entrants made the deposit is also an eligible winner and will receive a $1,000 CAD prize. For example, if an Equitable client is a winner of the $8,000 prize, the client’s servicing advisor wins a $1,000 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 here.  
   Date posted: September 4, 2025
    
4. 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.
5. Savings & Retirement - Updated Application Forms There are some important updates to share with you. The applications listed below have been updated for content and formatting. The changes also include the removal of maximums for Quebec Life Income Funds.Equitable will accept the previous versions until March 31, 2025, but on April 1, 2025, only the new versions will be accepted.

   Form #	Application	New Version	Previous Version
   1383	Pivotal Select TFSA Application	2024/11/01	2023/05/29
   1384	Pivotal Select Registered/Non-Registered Application	2025/01/01	2023/05/29
   2086	Pivotal Select FHSA Application	2024/11/01	2023/08/01
   796	Daily/Guaranteed Interest Account TFSA Application	2024/11/01	2024/07/01
   799	Daily/Guaranteed Interest Account Registered/Non-Registered Application	2025/01/01	2024/07/01
   2087	Daily/Guaranteed Interest Account FHSA Application	2024/11/01	2024/07/01

   
   
   Updated Form Names
   
   Equitable has updated the names of the Special Quote Request forms for the DIA/GIA and Payout Annuity.

   New Name	Previous Name	When to use
   Custom Quote – DIA/GIA (Form # 686)	GIA Special Quote Request form	Any deposit to the Daily Interest Account or Guaranteed Interest Account that is equal to or greater than $1 million.
   Payout Annuity - Custom Quote (Form #687)	Payout Annuity Special Quote Request form	Any non-standard annuity quote (i.e., exceeds maximum deposit or age, pension matching, etc.)

   
   
   Simplified Conversion Process for Legacy Products
   
   The simplified conversion process should make things easier for advisors. By using the RRSP to RRIF Conversion Form #1673, you can convert legacy products, like RRSP to RRIF and LIRA to LIF, without the need to complete an application.
   
   If you have any questions, reach out to your Director, Investment Sales.
   
   Posted January 27, 2025
6. August 2019 Advisor eNews

   Coming soon:

   Tech updates for plan members

   Technology doesn’t stand still, and neither does your clients' businesses. That’s why we continually invest in technology to make things easier for your clients and their employees.

   Faster claims processing on Equitable EZClaim^® Mobile

   Equitable Life now provides real-time processing of massage therapy, physiotherapy and chiropractor claims submitted via the EZClaim Mobile app.

   That means plan members are able to find out the status of their claim almost instantaneously. And, for approved claims, they will receive payment even sooner - often in as little as 24 hours.

   In order to allow for instantaneous processing and faster payment, plan members will be prompted to enter some additional information including the practitioner’s name, the date of the expense, and the type and amount of the expense, when submitting their claims for these services.

   Equitable Life plan members can submit all types of health and dental claims via EZClaim Mobile, including co-ordination of benefits and Health Care Spending Account claims. Currently, 43% of all claims are submitted through the user-friendly app.

   AS part of our ongoing efforts to improve the mobile claims experience for plan members, we've also added biometric login functionality to allow plan members to sign in to the app using their face or fingerprint. And we've redesigned our landing page on the mobile app to make it easier for plan members to navigate the various features of the app.

   We will be announcing this enhancement to plan members on EquitableHealth.ca

   Introducing InpatProtect:

   Health coverage for employees who are new to Canada

   For a new employee starting to work in Canada, looking after basic health needs can be difficult.

   There’s a waiting period for provincial health coverage, and group benefits plans don’t cover the physician, hospital or emergency services that they or their eligible dependents may need during their initial months in the country. They could end up incurring significant unexpected health expenses.

   That’s why Equitable Life has launched InpatProtect^TM. InpatProtect provides temporary coverage to look after the basic health needs of employees and their eligible dependents during their transition to Canada. Your clients can recruit from outside the country knowing that their employees will have some protection in the event of a medical need, including an emergency.

   For up to 90 days, InpatProtect will cover employees and their eligible dependents for basic services that would normally be reimbursed under provincial health plans, such as:

   • Physician services
     • Prescriptions for medications
     • Diagnosis and treatment for illness or injury
   • Hospital services
     • In-patient services
     • Drugs prescribed and delivered as an inpatient in-hospital
     • Out-patient services
   • Emergency services
     • Ambulance services
   • Emergency dental services

   Contact your Group Marketing Manager or myFlex Sales Manager for more information about this new product from Equitable Life.

   De-listed service providers

   As part of our ongoing initiative to have Group Benefits plans only reimburse eligible claims, we conduct reviews of the billing and administrative practices of service providers, including clinics, facilities and medical suppliers.

   As a result of these reviews we may de-list certain providers.  We will no longer accept, or process claims for services and/or supplies obtained from those providers. The plan member can still choose to obtain services or supplies from these providers, but Equitable Life will not provide reimbursement for the claims.

   Review Equitable Life’s de-listed service providers

   The delisted service provider list is also posted on EquitableHealth.ca for plan members to review to determine if their claim(s) are eligible for reimbursement under their Group Benefits plan.

   For more information about protecting group benefits plans from abuse, check out our articles.

    

    

   ¹ Based on Equitable Life health and dental claims submitted between January 2019 – March 2019
   
   Google Home and Google Assistant are registered trademarks of Google LLC.
   ^® denotes a trademark of The Equitable Life Insurance Company of Canada unless otherwise indicated.

7. New online course available

   Boost your knowledge and earn CE Credits 

   Looking to deepen your understanding of Universal Life insurance and get a new CE Credit?
   
   Equitable is excited to offer a new addition to our online learning center: The mechanics of Universal Life. Whether you are new to the concept or looking to refresh your expertise, this course will help provide the knowledge you need to start conversations with clients.
   
   Our CE credit courses allow you to learn at your own pace and earn CE credits quickly and easily.
   
   Available Courses:
   • The mechanics of Universal Life *NEW*
   • Introduction to Whole Life Insurance
   • Participating Whole Life for the Children’s Market – A head start for tomorrow
   • Path to Success - Expert Advice on Navigating CI Sales  
   • Ensuring a Compliant, Needs-based Insurance Sale
   • Where UL Fits in your product portfolio
   • Building your business with Critical Illness insurance
   • Harness the Power of Whole Life Cash Value
   
   A few important notes before you get started:
   • The programs are hosted on Teachable: https://equitable-life-education.teachable.com
   • Username: Please use your email address that you are contracted with
   • Password: Equitable
   • Please use Google Chrome to access the courses
   
   You can earn CE credits right away when you complete these courses.
   Start earning CE Credits!
   
   Check out the individual insurance online learning centre on EquiNet to stay up to date on new courses. 
   
   All courses are accredited by Alberta Insurance Council, Insurance Council of Manitoba, The Institute for Advanced Financial Education, and Chambre de la sécurité financière*.
   
   Questions?
   Contact your local wholesaler.
    
   Are you having trouble logging in?
   Email equitableiimarketing@equitable.ca for assistance.
8. 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

9. A new look and feel for EZtransact, our digital self-serve tool We’re excited to introduce a new look and feel for EZtransact™, our digital self-serve tool.  EZtransact allows you to:
   • •  Help a client set up a one-time or recurring deposit or edit an existing pre-authorized debit.
   • •  Manage client segregated fund policies conveniently and eliminate the hassle of filling out forms and facilitating signatures.
    
   EZtransact now has a simplified and modern design that will make managing pre-authorized debit requests even easier!
    
   Check out EZtransact. And stay tuned for more exciting digital enhancements coming soon!
    
   If you have any questions, please contact your Regional Investment Sales Manager. 
   
   Posted November 27, 2023
10. COVID-19 Group Benefits FAQ