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  1. Get the Straight Talk from Equitable’s public investments expert Real answers to big questions
    When you have questions about par whole life insurance, you need concise, direct insights from leaders and subject matter experts. And that’s where Straight Talk can help!

    Straight Talk with Mark Warywoda
    What’s really behind consistent long-term performance? Find out in this next episode of Straight Talk, hosted by Rob Hollingsworth, Head of Insurance Distribution.

    Watch Mark Warywoda, VP of Public Investments, break down how disciplined sourcing and a scalable strategy help sustain Equitable’s long-term par fund performance.

    In case you missed it .... Straight Talk with Mark Arruda
    In the first episode of Straight Talk, Mark Arruda, VP of Individual Insurance Pricing and Finance, talks about how Equitable’s par account is built to perform in all kinds of conditions, with strong governance, disciplined risk management, and prudent capital practices that allow Equitable’s par account to perform at top-tier levels.



    Learn more
    Learn how Equimax® whole life insurance can benefit clients. Contact your individual insurance wholesaler today.

  2. [pdf] Edelivery policy change FAQ
  3. Levelizing taxes on fixed income investments
    A smart strategy to promote with clients
    Many clients choose fixed income investments because they are more stable and predictable than other investment types. However, there is a downside to this approach that many don’t think about – taxes, which increase as the investment grows. As an advisor, you can help clients reduce some of the money they pay in taxes by suggesting a different approach.

    The tax challenge
    In most cases, fixed income investments are taxed yearly. To pay these taxes, clients usually take out some of the interest income earned, and leave the rest invested. This in turn increases the tax that must be paid on the interest earned the next year. As a result, a large amount of the investment income earned each year goes straight to taxes with a growing amount of tax that must be paid each year. You can show clients a solution that can help lower total taxes they pay on their fixed income investments. 

    The solution: levelize the tax
    Using participating whole life (WL) insurance as part of a financial solution, you can help clients levelize their annual tax payment. And lower the cumulative tax they must pay on their fixed income investments. 



    How it works 
    Each year the client takes out the full amount of the interest earned on the fixed income investment. They leave only the principal amount. Part of the interest income withdrawn is used to pay the taxes on the fixed income investment. The remaining amount is used to pay premiums for a participating WL policy. Because the client is leaving only the principal amount invested, the tax they pay each year is a levelized amount. This reduces the cumulative taxes they pay over the life of the fixed income investment.

    With this solution, the value of the fixed income investment along with the potential value provided by the participating WL policy, can mean a higher estate value. And a lower cumulative tax bill than what can be achieved through only the fixed income investment.

    The participating life insurance not only provides valuable life insurance coverage, but also offers tax-advantaged growth and the potential for dividends. 

    To help explain this concept to individual clients, feel free to share Levelize the tax on your fixed income investments with participating whole life (1799).

    This concept also works with corporate owned participating whole life policies. Feel free to share Levelize the tax on fixed income investments with corporately-owned participating whole life (1874).  

    Why it matters
    This solution isn’t just about lowering taxes. It’s about helping clients grow their money, plan for their future, and protect what matters most. As an advisor, guiding clients toward solutions that address both immediate and future needs can set you apart and help build trust.

    Contact your wholesaler to learn more.
  4. April 2026 eNews

    In this issue:

    Coming soon: Enhancements to Equitable EZBenefits plans for small business

    Register now: Free webinar connects nutrition and employee health

    Reminder: One-time passcodes will be added to our login experience*

    Service-related survey will go to clients in May*

     

    *Indicates content we will share with your clients.

     

    Coming soon: Enhancements to Equitable EZBenefits plans for small business

     

    Equitable EZBenefits® was created to provide a better benefits experience for small businesses in Canada. With a range of plan designs to fit the needs and budgets of companies with 2-25 employees, this unique solution is affordable, sustainable and easy to manage.

     

    Now, we’re enhancing EZBenefits to deliver even greater value for more small businesses.

     

    Overview of enhancements

     

    We’re making the following updates:

    • Dental coverage for new Bronze plans: Basic dental coverage will be available for Bronze-level EZBenefits plans. Coverage will be 70% with a $750/year maximum, 12-month recall and six scaling units.

    • Definition of earnings for long-term disability (LTD) coverage: Earnings for LTD coverage will include bonuses and commissions, to reflect common small business pay structures.

    • Part-time eligibility for Saskatchewan employers: For Saskatchewan-based employers with 10 or more employees, the definition of part-time employment will shift to 15 hours per week to match the province’s definition.

     

    These enhancements will be included in new EZBenefits plans with effective dates of June 1, 2026, or later.

     

    In-force EZBenefits clients can also access these enhancements starting June 1, 2026, by requesting a plan amendment.

     

    You may wish to discuss these enhancements with your EZBenefits clients so they can make the best decisions for their plans.

     

    An “EZ” solution for you

     

    EZBenefits is also designed with advisors’ needs in mind. By providing fast quotes, a streamlined implementation process and an advisor concierge service, we’ve reduced your administrative burden and made supporting your small business clients easier.

     

    To learn about EZBenefits or the upcoming enhancements, please contact your Group Account Executive.


    Register now: Free webinar connects nutrition and employee health


    Plan to attend this special virtual session where Dr. Jeffrey Alfonsi, Chief Medical Officer and Co-Founder of RxFood, will share research that links overall health and nutrition.

     

    Poor nutrition is often connected to chronic disease. And chronic disease is heavily affecting the Canadian workforce—impacting productivity, driving up incidence of disability among employees and health benefits costs for employers.
     

    During his presentation, Dr. Alfonsi will underscore the difference healthy eating can make in several areas, including:

    • Chronic disease management and prevention

    • Early return to work from disability leave

    • GLP-1 agonist need and usage rates

    • Mental health and wellness

       

    You’ll also learn how employers can make good nutrition more accessible to employees and support their holistic health.


    Nutrition matters

    The powerful connection between diet and employee health

    When: Thursday, May 21, 2026,
    10 a.m. PT/1 p.m. ET

    Where: Online (register here)

    The webinar will be presented in English only. CE credits will be available.

     

    Reminder: One-time passcodes will be added to our login experience

     

    Soon, you may need to complete a new security step when you log in to your account on EquitableHealth.ca® and the Equitable EZClaim® mobile app. Anyone who logs in with an email address and password may be required to enter a one-time passcode that’s provided via email.

     

    By adding this form of multi-factor authentication (MFA) to the login process, we’re further enhancing our digital security and helping safeguard your account access and our clients’ personal data.

     

    Skip the one-time passcode. Create a passkey.

     

    However, you won’t need to enter a one-time passcode if you create a passkey to log in. Passkeys are another form of MFA. They are safe and provide a quicker, easier, secure way to access your account, using either biometrics – your face or fingerprint – or a PIN authenticator to confirm your identity.

     

    Learn more about passkeys. You’ll see how easy it is to set up on your mobile device or computer. Please reach out to your Group Account Executive if you have any questions.

     

    Service-related survey will go to clients in May

     

    At Equitable, we’re committed to providing clients and plan members industry-leading service. And we’re continually looking for ways to improve.

     

    On May 11, we’ll invite clients to complete a survey to help us understand where we’re delivering exceptional service, and how we can better meet their needs and those of their plan members. Their feedback will be kept confidential. However, we may follow up with some clients to address any concerns they identify.

     

    Every client who completes the survey will be entered into a random draw for a chance to win one of three pre-paid $200 gift cards. Clients will have through May 25 to complete the questionnaire for a chance to win a gift card.

  5. [pdf] UL Transfers & Allocations How To
  6. Taking the guess work out of market volatility with Equitable Life

     

    Investing during market highs and market lows can leave even the most seasoned investors scratching their heads. Knowing when to buy and when to sell is not easy, but disciplined investing can be.

    Dollar cost averaging with Equitable Life® is designed to provide a long-term investment solution. This strategy helps take the guesswork out of knowing when to get into the market. It can also provide consistency for a long-term financial plan regardless of whether there is a lot or a little to invest.
     
    And for a limited time only, we’ve increased the initial commission for the CB5 sales option from 5.6% to 7.0% on Pivotal Select™ segregated funds*, effective from May 20 to August 31, 2022.** During this time, advisors earn the increased full initial commission even if funds are placed into Equitable Life Money Market Fund to start the PAC.
     
    For more information on dollar cost averaging, please contact your Equitable Life Regional Investment Sales Manager.

     

     
     
    * Applies to FundSERV trades occurring between May 20 and August 31, 2022. Initial commission on non-FundSERV trades occurring between May 20 to August 31, 2022 increases from 4% to 5%. Initial commission is subject to a chargeback.
    ** Equitable Life reserves the right to end the campaign at any time and without notice.
     
    ™or ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
     
     
  7. What's new?
  8. Making it easy to do business with us

    Online Term illustration now auto-populates the application 

    We have added a new online illustration for Equitable® Term life insurance illustrations that automatically populates the fields in your Term application. 

    We’ve designed the online illustration to be intuitive so you can fill in client details with ease. 
    ●  Select term plans and coverages of choice, then get an illustration report in minutes. 
    ●  You can save your web illustration progress at any time and view it from the online application dashboard. 
    ●  We’ve combined the illustration with our online application to make the process seamless. The illustration details you provide will auto-populate in the fields needed to complete the application. 

    New: You can create a term illustration without logging in to EquiNet.   

    We are taking another step in the journey towards enhancing the ways we do business. 




    Check out this update on the new Illustrations page on EquiNet®! 

    Learn more

    Have further questions? Your Equitable Wholesaler is here to help!

    ® and TM denote trademarks of The Equitable Life Insurance Company of Canada.
     
  9. [pdf] How to access in-force illustrations
  10. [pdf] Segregated Fund Sales DSC Disclosure Form