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  1. Unique solution can help your business grow in the group benefits market Are you ready to grow your business in the group benefits market? Then the Equitable EZBenefits™ experience should be on your radar.

    Join our online session May 22, at 1 p.m. ET and learn why companies with two to 25 employees are choosing this unique solution. Reasons like affordability, sustainability, and how easy managing the plan is for their members and administrators.

    We’ll also explore its features:
    • Plan design options for various needs and budgets
    • Embedded health and wellness services
    • Built-in HR support services
    • ‘EZ’ process for rapid quotes, hassle-free plan implementation and renewals
    • Dedicated advisor concierge service

    A question-and-answer (Q&A) period will follow the presentation.

    Register here to attend our session.




    ® and TM denote trademarks of The Equitable Life Insurance Company of Canada.
     
  2. Life insurance check-ins matter

    Life can change

    As an advisor, you know clients' lives—and their insurance needs—can change over time. Checking in with clients doesn’t have to be complicated. Even a quick insurance mention during regular financial discussions, like upcoming RRSP reviews, could reveal gaps and make sure their coverage still matches their situation.

    Did you know?
    • Over 50% of Canadian life insurance clients haven’t reviewed their coverage in the last two years.1
    • Clients who have annual reviews with their advisor report greater satisfaction with both their policy and the service they receive.2

    If you haven’t spoken with some of your clients lately, scheduling a quick life insurance review can help them feel more supported. It can also help strengthen your client relationships and help you grow your business.


    1 LIMRA Canadian Life Insurance Consumer Study, 2024.
    2 LIMRA Insurance Engagement Report, 2025.
     
  3. Canoe Financial
  4. Message from Ron Beettam
    As COVID-19 continues to spread, we want to reassure you that we remain ready and committed to support you and your clients.

    We have a robust and well-tested business continuity plan in place and our business is almost 100% digital. Almost 90% of our employees are now working remotely from home and are maintaining the high level of service you have come to expect from us. We still have a fully functioning Document Services Centre that is managing our incoming and outgoing mail. Our sales and customer service teams remain open to support you and your clients. 

    Equitable Life’s online application process, EZcomplete®, offers non face-to-face capability and continues to be your go-to resource for managing your business virtually. We are receiving a record number of online applications and are committed to helping you maintain a certain degree of daily activity. EZcomplete® non-face-to-face works for all life, critical illness and segregated fund applications.

    Advisors will be pleased to know that we have increased non-medical limits for life insurance. We are also looking at other underwriting changes, digital delivery of life insurance contracts and additional digital payment options.

    Our Savings & Retirement advisors will find our new Transaction Authorization Requirements table a valuable resource for submitting forms and documents. Can’t meet with your client in person to get a signature? Not to worry. You can have your  client sign a letter of direction and take a picture to authorize a number of transactions.

    Transacting in a non face-to-face environment can be a challenge but we will continue to revisit existing processes and look for ways to modify requirements to help you to continue managing your business. All of us are facing an unprecedented number of urgent situations where there is no established protocol. Our commitment to you and your clients is to respond quickly, and to be flexible where we can, tailoring solutions to specific needs.

    To stay up-to-date, please refer to Equitable Life’s COVID-19 information page. There you will find the latest information for all lines of business. 

    As the global situation continues to evolve rapidly, we ask for your patience as our solutions also evolve quickly and accordingly. Rest assured that Equitable Life is unwavering in our support, and we will be here to help you protect what matters most to Canadians.

    Ron Beettam, President and CEO
  5. Paramedicals are Re-opening Shortly We are pleased to announce that face-to-face insurance testing paramedical services, including the collection of vitals & fluids, are resuming shortly.  Our service providers, Dynacare and ExamOne, have been monitoring the public health standards and have established standards they will operate under to protect the health of both the applicant and health professionals.
     
    Our commitment to your client’s safety
    It is Equitable Life's commitment that both clients and advisors will be provided clear and thoughtful communication before initiating any testing. Clients should fully understand the potential risks associated with having a paramedical test taken at this time and are always able to choose not to attend the appointment if they do not feel comfortable or safe.
     
    How will paramedical services be conducted?
    Dynacare is conducting appointments at fixed site facilities where clients will travel to the health professional for their appointment. The paramedical questions will be covered by video or telephone to minimize the time spent in the fixed site facility. For more information, see Dynacare’s COVID-19 client guide that will be provided to the client directly.
     
    ExamOne examiners will travel to the client’s home for their appointment and the entire paramedical will be conducted at that time. Information about ExamOne’s COVID-19 processes and their Preparing for my exam client guide will also be provided to the client directy.
     
    When are paramedical services re-opening?
    In person paramedical services for Equitable Life cases will begin opening gradually. We have worked closely with our service providers, the CLHIA & provincial governments and believe it is prudent to begin re-opening services in the provinces that have a lower incidence of COVID-19.  We will expand the schedule as the incidence of COVID-19 lowers or is expected to lower in specific regions.
     
    Please note if you had an order in process prior to services shutting down, the provider will be looking to re-open and complete those orders. If requirements are no longer needed given the non-med limit changes, the order will remain closed.
     
    Schedule for re-opening paramedical services:
    Province Start Date
    Saskatchewan June 1-Dynacare, June 11-ExamOne
    New Brunswick June 8-Dynacare, June 11-ExamOne
    PEI and Newfoundland June 15, Dynacare and ExamOne
    Manitoba June 15, Dynacare and ExamOne
    Alberta June 18, Dynacare and ExamOne
    British Columbia June 22, Dynacare and ExamOne
    Nova Scotia June 22, Dynacare and ExamOne
    Ontario* By June 30, Dynacare and ExamOne
    Quebec * By June 30, Dynacare and ExamOne
     
    Note: Start dates are subject to change based on the progress of COVID-19.
     
    *Ontario & Quebec to re-open regionally (starting with areas with lower incidence of COVID-19). Specifics for Ontario and Quebec will be communicated closer to the implementation dates for these provinces. Further details can be found in this communication.
  6. May 2026 eNews

    In this issue:

    • Save the date: Group benefits advisor roadshow is returning to a city near you

    • One-time passcodes will be added to our login experience this week*

    • Delisted service providers: What clients need to know*

    • Keeping plan member information up to date*

       

    *Indicates content we will share with your clients.
     

    Save the date: Group benefits advisor roadshow is returning to a city near you

     

    Mark your calendars—our annual group benefits advisor roadshow will be travelling across Canada this fall.

     

    Watch your inbox for an invitation with more details soon. In the meantime, here’s our full list of event dates and cities.

     

    • Monday,  Sept. 28 – Vancouver, BC

    • Tuesday, Sept. 29 – Edmonton, AB

    • Wednesday, Sept. 30 – Calgary, AB

    • Thursday, Oct. 1 – Saskatoon, SK

    • Friday, Oct. 2 – Winnipeg, MB

    • Tuesday, Oct. 6 – Halifax, NS

    • Wednesday, Oct. 7 – Ottawa, ON

    • Thursday,  Oct. 8 – Markham, ON

    • Tuesday,  Oct. 20 – London, ON

    • Wednesday, Oct. 21 – Kitchener, ON

    • Thursday, Oct. 22 – Oakville, ON

     

    One-time passcodes will be added to our login experience this week

    Starting next week, anyone who logs in to EquitableHealth.ca® or the Equitable EZClaim® mobile app with an email address and password may also need to enter a one-time passcode to access their account. The one-time passcode will be provided by email.

     

    Adding this form of multi-factor authentication (MFA) to our login process will further enhance our digital security and help safeguard your account and our clients’ personal data.

     

    Don’t forget—you can create a passkey instead.

     

    Passkeys are another form of MFA. They provide a quick, easy and secure way to access your account, using either biometrics—your face or fingerprint—or a PIN authenticator to confirm your identity.

     

    Anyone who uses a passkey to log in to their account will never be required to enter a one-time passcode.

     

    In case you get questions…

     

    If a client asks you about these changes to our login process, consider sharing this fact sheet with them. The fact sheet highlights the value of adding MFA to the login process and describes the differences between logging in with a one-time passcode versus a passkey.

     

    More information about one-time passcodes and passkeys is included at equitable.ca/effortless. There, you’ll also find short videos that show how easy it is to create a passkey on your mobile device and computer.

     

    Please reach out to your Group Account Executive if you have any questions.

    If you use the same email address to log in to your accounts on EquitableHealth.ca, EquiNet® and Equitable Client Access®, you can use the same passkey. Equitable Client Access is our secure site for Individual Insurance and Individual Wealth clients.

     

    Delisted service providers: What clients need to know

     

    Protecting clients’ group benefits plans is our priority. That’s why we regularly assess healthcare service providers, clinics, facilities and medical suppliers in our network. These reviews help ensure the claims plan members submit meet eligibility requirements.

     

    If our review indicates a provider is not meeting those requirements, we may delist them.  

     

    Common reasons we delist providers include:

    • Billing for services that weren’t provided or aren’t medically required

    • Changing information about treatments provided (e.g., service dates or patient names)

    • Incomplete records or treatment notes

    • Lack of cooperation with an audit

    • Suspension of the provider by their licensing college or association

    • Criminal convictions

       

    What clients need to know

     

    If a provider is delisted, we will not accept or process claims for services or supplies they provide. However, plan members can still choose to use delisted providers at their own expense.
     

    We provide clients instructions on where to find our current list of delisted providers in each Plan Administrator eNews announcement. We also encourage them to share the list with their plan members.
     

    Whenever we delist a provider, we try to contact plan members, who have recently submitted claims for their services, to inform them of the change and help prevent future claim submissions. However, plan members are responsible for checking our list of delisted providers before purchasing any product or service to avoid having to pay at their expense. The list is available on EquitableHealth.ca.
     

    If you have questions about our list of delisted service providers or our process of reviewing providers, please contact your Group Account Executive.
     

    Keeping plan member information up to date

     

    Keeping plan member information current helps ensure accurate benefits coverage and premium calculations.

     

    When a plan member’s earnings or occupation changes, the plan administrator must update this information as soon as possible. Updates made before a benefits plan renewal helps ensure renewals are based on current data.

     

    If a plan includes short-term disability (STD) or long-term disability (LTD) benefits, outdated earning information can affect disability claim payments for plan members.
     

    We send an annual reminder to plan administrators before renewal. The email includes step-by-step instructions on how to review and update plan members’ earnings and occupation information.

     

    Three ways to update earnings and occupation information

     

    Plan administrators can review and update plan members’ information by either:

    1. Making updates directly through the plan administrator site (update access required),

    2. Generating an earnings and occupations worksheet through the plan administrator site (online reporting access required), or

    3. Requesting a worksheet by emailing groupbenefitsadmin@equitable.ca.

       

    The worksheet includes instructions on how to submit completed updates to us. If you have any questions, please contact your Client Relationship Specialist or email groupbenefitsadmin@equitable.ca.

  7. [pdf] Equitable HealthConnector
  8. Group Benefits - Premium relief for Dental and Extended Health Care benefits

    We know this is a difficult time for Canadian employers and that many of your clients are facing financial hardship as a result of the COVID-19 pandemic. We continue to look for ways to help employers manage while still supporting their employees.

    With many health practitioners closing their offices due to the pandemic restrictions, plan member use of dental benefits and some health benefits has declined.

    So, we are pleased to announce that we are offering premium relief for all Traditional and myFlex insured non-refund customers for Health and Dental benefits, as follows:

    • A 50% reduction on Dental premiums; and
    • A 20% reduction on vision and extended healthcare rates (excluding prescription drugs), which equates to an 8% reduction on Health premiums. 

    These reductions are retroactive to April 1, 2020 and will appear as a credit against the next available billing. We will assess the situation monthly and expect to continue with monthly refunds for as long as the current crisis period continues.

    We expect that claims experience and premiums will return to normal once the current pandemic restrictions are lifted.

    In the meantime, plan members will continue to have full access to their benefits coverage throughout the pandemic. In many cases, dental offices remain open for emergency services, and a variety of healthcare providers are available virtually.

    Commissions

    We know the pandemic has put financial strain on your business as well, so we will continue to pay full compensation. Although your overall commission will be unaffected by these premium reduction adjustments, you may see a temporary reduction in your commission payments if you are on a pay-as-earned basis while we put through mass changes. If so, we will then make an additional top-up payment to cover that shortfall as soon as we are able.

    Communication

    We will be communicating this premium relief program to your clients April 21st at 8:00am EST.

    A PDF of the communication is also available here.

    Questions?

    If you have any questions, please contact your Group Account Executive or myFlex Sales Manager. In the meantime, we have provided some Questions and Answers below.

    Will the premium reduction on Health and Dental benefits have an impact on the renewals that were deferred?
     
    No. Renewals will proceed as normal, with rate adjustments based only on months where full premium was paid. For most clients, we anticipate “normal” rate adjustments at renewal compared to rates paid prior to refunds taking effect.
     
    Does this adjustment apply equally to clients who have had their renewal deferred?
     
    Yes, these adjustments apply to all Traditional and myFlex insured, non-refund customers for Health and Dental benefits.
     
    How does this affect clients who have terminated or amended a plan?
     
    If a benefit is in-force during the month of April, the adjustment will be credited to the next available billing. For clients who have temporarily terminated all benefits, this will be applied against the first bill once benefits have been reinstated. No cash refunds will be paid.
     
    Will you recover any of the adjustment at a future point in time?
     
    No, we will not recover this adjustment.
     
    Instead of this premium reduction adjustment, can a client cancel or adjust some of the benefits on their plan?
     
    Yes, you and your clients always have the option of changing the coverage on a plan, such as reducing or removing a benefit to help control costs. Please speak to your Group Account Executive or myFlex Sales Manager about the options available.
     
    Are TPAs and self-administered groups eligible for the premium reduction?
     
    Yes. TPAs and self-administered groups are eligible for the premium reduction. However, timing for the credit will be dependent on the billing practices of the TPA or self-administered group. We will apply these credits as soon as we are able.

  9. EAMG Market Commentary August 2022 HEADER.png
     

    August 2022

    The S&P 500 fell into bear market territory over the first half of 2022 with the index down -20.6%. This represented a top 10 ranking amongst the most dismal back-to-back quarterly performances going back to 1928. While comparisons have been made to the inflation driven bear market of 1973-74, the economic backdrop today has some significant differences including greater production capacity (factory utilization rates are running about 20% lower vs the 70’s) and a meaningful decline in raw industrial prices which have fallen -11% over the quarter. While these economic anecdotes are potential positives for the future, it’s important to remain cognizant that prices remain elevated.

    As such, the US Federal Reserve seems to be taking every opportunity to telegraph their intentions of raising interest rates at the expense of both market and economic performance, so long as inflation remains a threat. Given this hawkish tone, the market narrative has morphed from fears of inflation to a fed driven recession. As a result, the move in the bond market has been swift with the 10-year treasury yield peaking at approximately 3.5% in June to today’s level of 2.7% (lower rates = higher bond prices). This positive bond performance reflects the consensus view that inflation is temporary (2023 CPI forecasts are approximately 3.6% vs the second quarter’s 8.7% CPI reading) and could allow the Fed to adjust their higher interest rate trajectory downward. The Fed also remains confident that a soft landing is achievable, and a recession avoidable.

    Investors seem less convinced however, given the Fed has never been able to engineer a soft landing before, and so it’s no surprise equity markets entered a bear market over the quarter, and currently remain in a technical correction (defined as losses greater than -10%). To better assess future performance, we closely monitor earnings results to understand how companies are navigating these economic trends. With nearly 80% of the S&P 500 reported, the results have been better than expected, but still the EPS beat rate and magnitude of beats (actual vs expectation) remain below 5-year averages. This tells us companies are finding today’s economic conditions more challenging than the recent past. Consumer sectors including marketing, retail, autos and textiles posted the 2nd worst performance vs other sectors while the Financials sector saw the greatest challenges with aggregate EPS falling by -15% year-over-year. Wall Street analysts have started to revise S&P 500 forward growth estimates lower, a trend which we expect will continue for several quarters ahead. The forward (12-month blended) P/E ratio of 17.5 times remains 1.5 multiple points above the long-term average which potentially suggests risks may not be fully priced in.

    In terms of the S&P/TSX Composite, after declining nearly -14% in Q2 as recession fears around the world jeopardized the global demand outlook, its’ since rebounded over 4.0%. Still, valuation remains below longer-term averages at 11.8x forward earnings with the heavier weighted Financials and Energy sectors trading at 9.5x and 7.9x, respectively. TSX earnings expectations have stalled as of late but downward revisions are lagging US and European counterparts. Additionally, the domestic labour market remains tight which has allowed the Bank of Canada to continue its aggressive rate hike path to curb soaring inflation. For most of 2022 the TSX has benefitted from surging commodity prices but an economic slowdown in China resulting from its commitment to a zero-Covid policy and a potential global recession could prove to be a challenge for the Canadian market.

    Equity markets on average lose 30% of their value in recession led bear markets. If we use this as a potential road map, it suggests the S&P 500 could have further to fall. Using past performance as a forward-looking tool however is an imperfect technique and used in isolation of what’s happening today can often mislead.

    Accounting for today’s backdrop, we come up with three scenarios of varying probabilities. The first is the most optimistic and includes an engineered soft landing by the Fed, meaning no recession and inflation cools. A less optimistic view is the fed tames inflation with higher interest rates but tips the economy into a mild-to-moderate recession. The outcome would be consumer spending and corporate hiring slow as a result of tighter financial conditions, and therefore financial results are negatively impacted. The least optimistic scenario is one where stagflationary conditions emerge as inflation continues to accelerate at the expense of growth despite higher interest rates, in other words the Fed loses control. The net result would be similar to our second scenario but with much more dire results in terms of unemployment, household spending and impacts to corporate profitability. While we don’t rule out any of the above scenarios completely, we assign the highest probability to the second one where macro economic issues get resolved at some point in the future, but the full effects of inflation and a possible recession have yet to be priced into the market. Currently, this view translates into a slight underweight equity position versus our benchmark with a tilt towards low volatility and defensive strategies along with an overlay of value and dividend paying securities. In other words, we’ve de-risked the portfolios relative to our benchmark to manage potential downside risks but remain meaningfully invested an on absolute basis. As always, time in the market tends to overcome trying to time the market, and so employing a strategic and diversified strategy is often the most prudent approach.


    Downloadable Copy



    ADVISOR USE ONLY
    Any statements contained herein that are not based on historical fact are forward-looking statements. Any forward-looking statements represent the portfolio manager’s best judgment as of the present date as to what may occur in the future. However, forward-looking statements are subject to many risks, uncertainties and assumptions, and are based on the portfolio manager’s present opinions and views. For this reason, the actual outcome of the events or results predicted may differ materially from what is expressed. Furthermore, the portfolio manager’s views, opinions or assumptions may subsequently change based on previously unknown information, or for other reasons. Equitable Life of Canada® assumes no obligation to update any forward-looking information contained herein. The reader is cautioned to consider these and other factors carefully and not to place undue reliance on forward-looking statements. Investments may increase or decrease in value and are invested at the risk of the investor. Investment values change frequently, and past performance does not guarantee future results. Professional advice should be sought before an investor embarks on any investment strategy.

  10. [pdf] Annuity Settlement Option