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1. Important cybersecurity readiness guidance As an advisor, you collect and store clients’ sensitive personal information. Protecting this information is essential. In July 2023, the Canadian Insurance Services Regulatory Organization (CISRO) released a guide on Cybersecurity Readiness. It includes tips on keeping this sensitive client data and your business systems safe. 
   
   Please read the guide in full. Also, check your own practices to be cyber ready and reduce your risk of an incident. 
   
   Some key tips in the guide include:
   
   1. Make cybersecurity a priority: Stay alert to cyber threats. These can be suspicious emails, texts or calls. Make sure your team knows how to keep your data and systems safe and has clear, documented processes to follow.
   
   2. Know what to protect: Understand what data and business systems need to be protected. 
   
   3. Identify the risks: Spot the risks in your practice and those from third-party service providers.
   
   4. Implement security measures: Take steps to protect your data and business systems.
   
   
   5. Be ready to respond: Know how to spot and react to cyber incidents. The guide has useful tips on creating a Cyber Incident Response Plan.
   
   And lastly – if you receive client instructions electronically (by email, text, or messaging apps), always confirm these over the phone to ensure it’s really the client sending the instructions.
   
   Keep your business and important client data safe by staying informed and alert. We encourage you to read the full  Cybersecurity Readiness document to learn more about how to prepare for cyber threats.
   
   In our industry, protecting clients’ sensitive data and systems is essential. Thank you for your commitment to cybersecurity!
   
   ^® or ^TM denotes a trademark of The Equitable Life Insurance Company of Canada.
2. [pdf] Pay Instruction Changes
3. Repositioned Wealth Accumulator available

   Repositioned Equimax Wealth available now

   As we continue to grow to meet the needs of various market segments, our product options for your high net worth (HNW) clients have also been improved. Equimax Wealth Accumulator^® has been repositioned to meet the needs of your high net worth clients by providing more deposit room and competitive early cash values.

   Equimax Wealth is now repositioned for your high net worth clients

   Equimax Wealth Accumulator is now targeted for clients ages 45 to 65 with an insurance need but also looking for tax advantaged growth as an alternative to traditional investments. It allows your clients to achieve both while diversifying their portfolio and saving taxes, particularly for corporations.
   

   Highlights of the repositioned Equimax Wealth Accumulator:

   • More deposit room - Allows for significantly more deposit room by reducing the initial death benefit. This means more money can be paid into the policy to promote the tax-advantaged investment growth.
   • Higher early cash surrender values - We are more competitive on total cash value in years 1 to 10 in the target market ages of 45-65. The higher extra deposit room and early surrender cash value allows the illustration to show an earlier premium offset, which is key for the HNW market.
   • More competitive on life pay - Improvements to life pay more notable than 20 pay. Reduced premiums for most male and female non-smokers in our target market (ages 45-65) as well as 2, 3, and 4 year improvement in illustration of premium offset.
   • More competitive at older ages - A shift in the target market means you can support older clients in the HNW market. The Equimax Wealth Accumulator is now more competitive at ages 45-65.

   Learn more

   For full details on the transition, please see our transition rules.

   For more information on this product, please visit the Equimax page on Equinet.

4. [pdf] Cloud DX FAQ
5. About
6. Claims payments and notifications will go fully digital on July 1, 2023 We are committed to providing a better benefits experience. We have secure and convenient digital options to make it easier for plan members to access and use their benefits plan, including EquitableHealth.ca and the EZClaim Mobile app.
   
   Most plan members are already using these tools to set up email claim notifications and direct deposit. They get their claim updates faster and their claims paid more quickly, right into their bank account.
   
   To help ensure that all plan members benefit from faster claim payments and notifications, we are making these services fully digital as of July 1, 2023. That means, in most cases, we will no longer mail paper claim cheques or explanation of benefits (EOB) notifications.**
   
   Plan members who haven’t already activated direct deposit and email notifications will need to activate these services via their plan member account on EquitableHealth.ca. 

   How we’ll help plan members get set up

   Fortunately, it’s simple for plan members to set up these features. And it only takes a few minutes. To make it even easier, we’ve created a Plan Member Guide to Getting Started Online. It includes simple instructions to help plan members use our digital features and get the most from their benefits plan. 
   
   We have also created a toolkit that plan administrators can email to their plan members to walk them through the simple steps. Access the toolkit here.
   
   And we’re available to guide plan members who may need help. They can call us at 1.800.265.4556 and select “Plan Member Web Support”. Our Client Care Centre Team is happy to help them activate these services. 

   How we’ll communicate with plan members

   We will start communicating this change to plan members in April. For plan members who aren’t taking advantage of these convenient features, we will send them an email to let them know about the change, with instructions and support on getting set up.
   
   We will also include an insert with all mailings of paper cheques and EOB notifications sent out. And we will post an announcement and banner on EquitableHealth.ca to let plan members know about the change.
    

   How we’ll support plan members who need extra help or accommodations

   After July 1, 2023, we will follow up with plan members who have not yet activated direct deposit or email notifications for their claims and provide any extra help and support they may need. And, of course, we’ll make exceptions for plan members who aren’t willing or reasonably able to use these features. 

   Questions?

   If you have any questions, please contact your Group Account Executive or myFlex Sales Manager.
   
   ** Disability claimants will continue to receive paper Explanation of Benefits notifications in the mail. Some pay-direct drug claims will also continue to be paid by cheque.
7. PAR whole life Highlights
8. Enhanced flexibility and features make Equimax whole life a great choice for your clients

   WHAT’S NEW ON MARCH 23, 2020?

    
   The following features are available on Equimax Estate Builder^® and Equimax Wealth Accumulator^® plans!   
   
   60 months of EDO payment flexibility¹ that fits your clients’ situation

   • Clients can start EDO payments¹ up to 60 months from the date the application was signed, or resume up to 60 months from the last EDO payment made, without additional evidence of insurability.
   • Applies to Equimax² policies with an effective date of March 23, 2020 or later. 
   
   
   
   
   EDO is available on cases rated 300% or less³ for new and existing clients
   • For existing clients, if approved, the EDO contract provisions that apply will be based on the effective date of the insurance policy, not the date the EDO was added.
   • Applies to Equimax² policies issued under the 2017 tax rules.
   
   
   
   Built-in Disability Benefit Disbursement provides access to cash value in the event of a disability
   • The Disability Benefit Disbursement may provide a tax-free, lump sum payment of up to 100% of the policy’s cash value if the insured becomes disabled.⁴
   • Will be included on Equimax² policies issued under the 2017 tax rules.⁵

   
   
    

   Want more information?

   More information is available on EquiNet^® on the Whole Life Insurance Product page under the Resources tab. 
   
   Ask your Equitable Life^® Regional Sales Manager about Equimax today.

   COVID-19 & social distancing: Strategy for insurance applications   Using our EZcomplete® online application allows you to keep your distance … while keeping your business moving forward.   Learn more

    

   
   ¹ This applies only to policies with an effective date of March 23, 2020 or later. The amount of the EDO payment allowed may be limited to the maximum EDO payment made in previous years depending on the policy year. For approved EDO amounts exceeding $150,000 annually ($12,500 monthly), clients have up to 12 months from the date the EDO application was signed or the date of the last EDO payment to make an EDO payment before a contribution cap may apply. See Admin Guide for full details.  ² Applies to Equimax Estate Builder and Wealth Accumulator; all ages; life pay and 20 pay; single and joint lives. ³ Not available if the policy has a flat extra rating. ⁴ See sample policy contract for full details, including the qualifications for the disbursement. Policy cash value and death benefit will decrease. Tax laws are subject to change. The payment of the disability benefit disbursement may affect the adjusted cost basis (ACB) of the policy as it is considered payment of a capital benefit. Changes in ACB can affect the future taxation of the policy.  ⁵Subject to our administrative rules and guidelines in effect at the time of the disbursement

9. February 2026 eNews

   In this issue:

   Save time and add protection — log in to your Equitable account with a passkey*
   New form offers a simpler way for clients to submit special claims*
   2026 dental fee guide updates*
   
   *Indicates content that will be shared with your clients.
    

   Save time and add protection — log in to your Equitable account with a passkey

    

   Passkeys offer an easier, faster way for you and your clients to log in to EquitableHealth.ca^®. They also add an extra layer of account protection.

    

   Easy set-up. Secure access.

    

   If you haven’t created a passkey yet – now is a great time. You can create one on both your computer and mobile device.

    

   When you set up a passkey on your mobile device, you’ll use biometrics –your face or fingerprint–to log in. This verifies your identity, so only you can access your account on your device.

    

   Setting up a passkey on your computer is slightly different. You may have more options to verify your identity, such as biometrics, a personal identification number (PIN) or a password.

   
   To learn more about  passkeys, visit Equitable.ca/effortless.

    

   You hold the ‘key’ to further protecting your account

    

   You’re the only one who can create passkeys. We can’t create them for you.

    

   The set-up process is quick and easy. The videos below guide you through creating a passkey on your mobile device and computer.
   
    

   
   
   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.
   
    

   New form offers a simpler way for clients to submit special claims

    
   
   Equitable has simplified the special claim process for clients by introducing an interactive Special Claims Services form.
   
   
   The new form, which replaces our previous online calculator, automatically calculates the fees and taxes based on province, so clients can clearly see the total of a special claim – and how much they need to pay.
    

   What is a special claim?

    
   A plan sponsor can submit a claim for Special Claims Services – sometimes referred to as Cost Plus – to pay for a plan member’s health and dental expenses that are either not included or not covered in full by their group benefits plan.
   
   
   When submitting the claim, the plan sponsor also pays us for the cost of the expense, plus a service fee and taxes. Then, we reimburse the plan member or another designated payee.
   
   
   Anything eligible under a health-care spending account (HCSA) is eligible under Special Claims Services. Our HCSA list of eligible expenses matches the Canada Revenue Agency’s list of eligible medical expenses that can be claimed on a tax return.
   
   
   When a plan sponsor submits a special claim, there is no impact to the claims experience, pooling or taxes. Given that every situation is unique, however, the plan sponsor is responsible for consulting with an accountant on tax impacts and/or claim limitations that may apply.
   
   
   For more information on Special Claims Services, check out this brochure or email SpecialClaimsServices@equitable.ca.
    

   2026 dental fee guide updates

    
   Several Canadian dental associations have published their 2026 fee guides. We use these guides to help set benefits reimbursement limits for dental procedures.
   
   For your reference, here is the list of this year’s fee increases for general practitioners.
   
   Source: Canadian Life and Health Insurance Association (CLHIA) 2026 Dental Fee Increase Guide
   
   If you have any questions, please contact your Group Account Executive.
10. [pdf] B2B Investment Loan Product Brochure