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Have you heard about Equitable Client Access?
Equitable Client Access^® allows clients to self-serve on some of the more popular requests. Thousands of clients have already signed up for Equitable Client Access and are enjoying the benefits of accessing their secure information 24/7.

•   Does your client need to change or stop existing Pre-Authorized payment (PAD)? Equitable Client Access can do that.
•   Does your client need to change a withdrawal date for a PAD? Equitable Client Access can do that too.
•   Address or banking information changes? Equitable Client Access has your clients covered.
•   Does your client need to change her beneficiary from Aunt Flora to Uncle Ned? Equitable Client Access can even do that.

Equitable Client Access is a secure online client site that connects clients with policy information, right at their fingertips. In addition to the self-serve features, Equitable Client Access can also provide:

•    Insurance coverage and guarantees
•    Investment allocation, performance and market values
•    Transaction history
•    Statements and letters
•    Advisor contact information, along with so much more.

If your clients have not signed up for Equitable Client Access, direct them to client.equitable.ca - it only takes a few minutes to set up an account, and connects your clients with their policy information online – anytime!

Have a question about Equitable Client Access? Want to tell your client how to go paperless? Check out our updated FAQ or contact your Regional Investment Sales Manager today.
Equitable 2024 dividend scale!

Equitable’s Board of Directors has approved a new dividend scale for the period of July 1, 2024, to June 30, 2025.
● The interest rate* we use for the dividend scale will change. It will go from 6.25% to 6.40% on July 1, 2024.
● Other factors used to decide the dividend scale will remain the same.
● The interest rate for policies with dividends on deposit will change. It will go from 2.25% to 3.50% on July 1, 2024.
● The interest rate for most policy loans will remain 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.

Learn more:
● 2024 Advisor Dividend Scale Notice
● 2024 Client Dividend Scale Notice
● Dividend Information Page

Did you miss our Spring update & 2024 Dividend Scale announcement? Watch it now:

(*The French and Chinese events will be partially in English, with sub-titles on screen).

*The dividend scale interest rate (DSIR) is different from the participating account (PAR) rate of return. The PAR rate of return is the return on the investments in the participating account over the calendar year. The DSIR smooths out the ups and downs of the participating account experience.
Summer is here and so is our new dividend scale
Equitable’s Board of Directors has approved a new dividend scale for the period of July 1, 2024, to June 30, 2025.
● The interest rate* we use for the dividend scale will change. It will go from 6.25% to 6.40% on July 1, 2024.
● Other factors used to decide the dividend scale will remain the same.
● The interest rate for policies with dividends on deposit will change. It will go from 2.25% to 3.50% on July 1, 2024.
● The interest rate for most policy loans will remain 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.

Learn more:
● 2024 Advisor Dividend Scale Notice
● 2024 Client Dividend Scale Notice
● Dividend Information Page

Did you miss our Spring update & 2024 Dividend Scale announcement? Watch it now:

(*The French and Chinese events will be partially in English, with sub-titles on screen).

*The dividend scale interest rate (DSIR) is different from the participating account (PAR) rate of return. The PAR rate of return is the return on the investments in the participating account over the calendar year. The DSIR smooths out the ups and downs of the participating account experience.
PAR whole life Highlights
December 2023 eNews
Insights on EZBenefits from our Executive Vice-President, Group Insurance

When it comes to advising small business owners, it can be tough to find the right group benefits solution. Offering a competitive benefits plan is more important than ever to help small business owners attract and retain talent. They need an affordable solution that’s easy to implement, renew and maintain.

That’s why we launched EZBenefits for small business earlier this year. It’s a unique group benefits solution designed with you and your small business clients in mind.
Marc Avaria, Executive Vice-President, Group Insurance, explains:

Find out more
Visit info.equitable.ca/EZBenefits for more details or to request a quote. If you have questions, contact your Equitable Group Account Executive.

Supporting plan members through cold and flu season with Dialogue Virtual Healthcare*
Now that cold and flu season is here, many Canadians will start calling in sick or missing work to visit their doctor – if they can get an appointment. Now’s the time to remind your clients that Equitable offers Dialogue Virtual Healthcare. It can be added to any Equitable plan for an additional cost.

Eligible plan members and dependants receive fast, on-demand access to virtual primary medical care—24/7, 365 days a year. Available for a variety of non-urgent health concerns, Dialogue Virtual Healthcare can make it easier to navigate cold and flu season by providing:
- Access to the largest, most experienced bilingual medical team in Canada,
- In-app prescription renewals and refills,
- Personalized follow-ups after each consultation, and
- An all-in-one patient journey to address health issues. This reduces long waits and means less time away for doctor appointments.
Benefits of Virtual Healthcare for plan sponsors
When your clients provide Virtual Healthcare for their plan members, they can help:
- Drive employee engagement;
- Reduce absenteeism related to in-person medical appointments;
- Manage chronic health issues;
- Attract and retain top talent; and
- Build a healthier workforce.
Learn how it works

Adding Dialogue Virtual Healthcare to your clients' plans
To learn more about adding Virtual Healthcare to your clients’ benefits plans, contact your Group Account Executive or myFlex^® Account Executive. You can also share this resource from Dialogue on managing cold and flu season.

Changes to Short-Term Disability benefits calculations*
The Canada Employment Insurance Commission and Canada Revenue Agency have announced the 2024 changes to Maximum Insurable Earnings, and premiums for employment insurance. The following changes to Employment Insurance (EI) will take effect January 1, 2024:
How does this affect your clients?
To comply with client policy provisions, Equitable will revise Short-Term Disability (STD) benefits with the updated maximums based on the percentage of EI Maximum Weekly Insurance Earnings for policies that meet these conditions:
- Policies that include a STD benefit that is tied to the EI Maximum Weekly Insurable Earnings, and
- Policies with a classification of employees that has less than a $668 maximum.
- The additional premium for any increase from their previous STD amounts and new STD amounts will be shown on your clients’ January 2024 Group Insurance Billings (as applicable).
If a client’s STD maximum is currently higher than $668 or based on a flat amount (not based on a percentage or regular earnings), no change will be made to their plan unless otherwise directed.

If your clients wish to provide direction regarding revising their STD maximum, or have questions about the process, they can email Kari Gough, Manager, Group Issue and Special Projects.

*Indicates content that will be shared with your clients.
[pdf] Additional/Updated Client Information
[pdf] UL Chargeback changes FAQ
[pdf] Build Your Business - Fully funding a client’s First Home Savings Account
New rules in effect for all Quebec applications The Quebec Regulatory Tribunal (AMF) made an important decision about selling insurance products to Quebec residents. As a result, Equitable^® has changed its licensing rules for all future sales to clients in Quebec.

Effective on November 28, 2024, you must be licensed in Quebec to submit an application for a client who lives in Quebec. This requirement applies to all insurance and investment products.

Regardless of where the application is signed, if you meet with a client whose primary residence is in Quebec, you must be licensed in Quebec to submit on the client’s behalf.

If you are not licensed in Quebec, you will need to get licensed in Quebec for applications for Quebec clients to be processed.

What about licensing for clients outside of Quebec?

In all cases, we encourage you to be licensed in the province where a client lives to be able to do business or provide ongoing service.

Equitable is committed to providing solutions and service that is in the best interests of clients and advisors alike. We appreciate your continued support.

Questions?

Your Equitable Wholesaler is here to help.

You may also reach out to Advisor Services for more details. Email eastern-service@equitable.ca or call 1-800-668-4095.

^®or ^TM denote trademarks of The Equitable Life Insurance Company of Canada.