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1. EquiNet-FAQ
2. Your year-end momentum starts today! Just 79 days left to go in 2025!
   
   As the air turns crisp and the leaves change color, we hope you’re enjoying our beautiful Canadian fall season. But before you get too swept up in the season's fun, remember that the final quarter is also a great time of year to boost your business.
   
   Harvest season for success
   Many clients are reviewing their financial goals and plans now. According to LIMRA, nearly 30% of life insurance applications are submitted between October and December¹. This means you have a huge sales opportunity.
   
   Why choose Equitable^® ?
   Clients expect competitive solutions that fit their unique needs well. Equitable offers great products, digital tools, and outstanding service and support.  Learn more here.
   
   Act now to finish 2025 on a strong note:
   • Review your client list: Identify who needs a check-in before the year ends.
   • Spot the opportunities: Year-end financial planning opens doors—don't miss out.
   • Leverage our resources: From our e-apps to marketing materials and digital tools, we're here for you.
   
   So, grab your client list (and your pumpkin spiced latte) and make the most of this final quarter. Your Equitable team is here to support you all the way to 2026 — let's finish 2025 strong!
   
   
   ¹LIMRA, "Life Insurance Applications by Month," 2025.
3. [pdf] Equitable GIF Non-Registered Application
4. Path to Success Module 2
5. Make your next audit a breeze

   New – Online CE Course: Ensuring a Compliant, Needs-based Insurance sale

   
   When regulators and auditors come knocking on your door, make sure you are prepared. Well documented, needs-based sales evidence may help protect you and demonstrate that you were acting in your clients’ interest. 
   
   Make your next audit a breeze with the tips you will learn in this course and earn CE credits at the same time (AIC, Advocis and ICM credits available only). 
   
   “The Approach” to supporting suitable, needs-based sales
    
   The CLHIA recommends six supporting elements to make a suitable, needs-based sale. Equitable^® created this reference presentation, “Ensuring a Compliant, Needs-based Insurance Sale” that leverages The Approach to explain the requirements for each step, along with the documentation to retain in the client file.
   
   Get started now
   
   A few important notes:
   ● This program is hosted on Teachable: https://equitable-life-education.teachable.com/ 
   ● Username: Please use your email that you are contracted with.
   ● Password: Equitable
   ● Please use Google Chrome to access the courses.
   
   
   
   Looking for more CE accredited training courses?
   
   Check out our new individual insurance online learning centre on EquiNet^® to stay up to date on new courses and find out more information on the topics provided. 
   
   Questions?
   Contact your local wholesaler.
   
   Are you having trouble logging in?
   Email equitablelifemarketing@equitable.ca for assistance.
   
    
6. [pdf] G2 - Application for Change
7. [pdf] G3 - Application for Change
8. 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 will be 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.

   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.

   “We know plan members love the speed and convenience of EZClaim Mobile,” says Norma Crouse, Assistant Vice-President of Claims and Administration at Equitable Life. “With these enhancements, some claims submitted through the app will be processed and paid even faster.”

   We’re also adding 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.

9. Spring update and dividend scale for 2025/2026
   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:
   
     
10. RxFood nutrition app added to all group benefits plans

    In this issue:

    • RxFood nutrition app added to all group benefits plans*

    • Coming soon: Coverage information at plan members’ fingertips on EquitableHealth.ca*

    *Indicates content that will be shared with your clients.
    
     

    RxFood nutrition app added to all group benefits plans

     

    Equitable® has added the RxFood nutrition app to all group benefits plans at no extra cost—giving every plan member more opportunity to make healthy and informed food choices.

     

    RxFood is Canada’s first clinically validated nutrition platform that’s used and trusted by leading health care institutions across the country, such as SickKids Hospital and Diabetes Canada, to help support better health outcomes through nutrition.

     

    Using technology powered by artificial intelligence, RxFood turns everyday meals into personalized insights, practical tips and tailored recommendations that are easy for plan members to act on and build into their routines.

     

    For more information, read our previous eNews article.

     

    Promoting RxFood to plan members

     

    This week, clients will receive a digital toolkit to help them encourage plan members to register for RxFood. Plan members must register to access this free benefit.

     

    The toolkit includes an RxFood brochure, a poster, an email template plan administrators can use to help spread the word, and the video below.
     

    
     

    Coming soon: Coverage information at plan members’ fingertips on EquitableHealth.ca

     

    Starting this month, Equitable plan members will be able to find helpful information about their health coverage more quickly and easily. We’re putting the key details at their fingertips on the EquitableHealth.ca^® home page.

     

    Faster access to health coverage details

     

    Our new coverage panel will provide plan members fast access to information about their paramedical coverage for themselves and their covered dependants – including coverage maximums, reimbursement details and more.

     

    Plan members with Health Care Spending Accounts or Taxable Spending Accounts will also be able to check their balances from the home page.

     

    Later this spring, we’ll add information about vision and dental benefits to the coverage panel, too.

     

    Simpler way to find benefits resources

     

    We’re also making it easier for plan members to access key resources. Benefits cards, booklets and other important sections of the site will now be linked directly from the home page.

     

    The video below walks plan members through the new features:

    
     

    More new features to come

     

    The coverage panel and resources section are the latest enhancements to our new plan member web experience, which we launched last fall. We’ll continue introducing more self-serve features this year.

     

    To learn more about our enhanced plan member home page, contact your Group Account Executive or visit Equitable.ca/effortless.