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  1. [pdf] Daily/Guaranteed Interest Account Contract
  2. Sofie wants to provide for her children long after she’s gone with Equitable Generations Universal L Sofie knows the future is uncertain. As a mom of two children and in her late forties, Sofie wants to continue to help her kids with their life goals as they get older.

    She learns that Universal Life insurance from Equitable® is a great fit for her. It has investment options, choices of death benefit and even flexibility on how she pays for her premiums. With the investment option, she can earn tax-advantaged growth*.

    Watch our new Universal Life Insurance from Equitable video to learn more. See it on Vimeo  

    This video can help you talk with clients about Universal Life insurance. It walks them through what it is, how it works, and the affordability and flexibility it features. It highlights just how Universal Life from Equitable is an insurance solution truly designed to meet the needs of clients today and into tomorrow.

    Not sure where to start? Send clients this draft prospecting letter which you can personalize specifically for them.

    Plus, check out our Universal Life solution page on EquiNet®, then click on the Marketing Materials tab for the latest Universal Life Marketing Materials.

    Want to learn more? Ask your Equitable wholesaler!



    View on Vimeo 




    *Subject to the Income Tax Act of Canada.
     
  3. Boost your knowledge and earn CE credits

    Need continuing education credits?

    Equitable is happy to offer online courses focusing on insurance. The courses allow you to learn at your own pace and earn CE credits quickly and easily. You can earn CE credits right away when you complete these courses. All courses are accredited by Alberta Insurance Council, Insurance Council of Manitoba, The Institute for Advanced Financial Education, and Chambre de la sécurité financière*.
     
    Existing courses:
    1.    Building your business with critical illness insurance
    2.    Ensuring a Compliant, Needs-based Insurance Sale
    3.    Harness the power of whole life cash value
    4.    Introduction to whole life insurance
    5.    Path to Success - Expert Advice on Navigating CI Sales
    6.    Participating whole life for the children's market: A head start for tomorrow
    7.    The mechanics of universal life 
    8.    Where UL Fits in your Product Portfolio


    A few important notes before you get started:
    •    The programs are hosted on Teachable: https://equitable-life-education.teachable.com/
    •    Username: Please use your email address that you are contracted with
    •    Password: Equitable
    •    Please use Google Chrome to access the courses

    Start Earning CE Credits!

    Check out the individual insurance online learning centre on EquiNet to stay up to date on new courses. 

    Questions?
    Contact your local wholesaler.
     
    Are you having trouble logging in or accessing certificates?
    Email equitableiimarketing@equitable.ca for assistance.

    *Please select the course with “QC credits” in the title for La Chambre credits.
  4. Our Critical Illness Insurance Path to Success Program Our Critical Illness Insurance Path to Success program was designed with you, the Advisor, in mind.

    Path to Success: Expert Advice on navigating CI Sales provides you with actionable ideas and scripts that you can implement immediately into your critical illness insurance meetings. CE Credits are available if you review the program in its entirety and complete the quizzes at the end of each section.

    Learn more about the CI Path to Success Program
    Next steps:
    If you have any questions or are interested in getting access to this program, please reach out to your Regional Sales Manager directly.

    Enhancements to our Critical Illness Insurance product EquiLiving®
    The timing couldn’t be better for connecting with your Regional Sales Manager to gain access to this program, as we have made recent enhancements to our Critical Illness product that will help you offer more options to clients. We’ve enhanced our EquiLiving plans and riders with:

    •  20 pay options with coverage to age 75 or coverage for life
    •  Support from Cloud DX to help monitor a client’s well-being from treatment to recovery
    •  Added Acquired Brain Injury as a covered critical condition 
    •  30-day survival period removed for all non-cardiovascular covered conditions
    •  No age restriction to claim for Loss of Independent Existence (LOIE)
    •  Adult Covered Conditions definitions updated to 2018 CLHIA definitions
    •  Increased the number of Early Detection Benefit covered conditions from 4 to 8
    •  And so much more …

    Contact your Regional Sales Manager to get set up in the program and learn about other CE accredited presentations happening each week. 
  5. Questions about eDelivery? New eDelivery page

    Find information on the eDelivery process quickly with our new eDelivery of a Contract landing page.

    New-Business-eDelivery-EN.jpgPolicy-Change-eDelivery-EN_conversions.jpg
    We’ve made it easier to get the information you need to electronically deliver the insurance contract promptly. 

    eDelivery makes it quick and easy, and our new landing page ensures you’re able to find the information you need regarding the New Business eDelivery process, or the Policy Change and Conversions eDelivery process. You can find various resources in the Links section on the right-hand side of each page to help you along the way. 
     
     
     
     
  6. Equitable’s EZstart tool
  7. [pdf] Now it’s even easier to grow your savings online!
  8. October 2019 Advisor eNews

    Coverage of Remicade, Enbrel and Lantus in BC

    As we announced in August, BC PharmaCare recently introduced a new Biosimilars Initiative that ends coverage of three biologic drugs, including Remicade, Enbrel, and Lantus. These drugs will no longer be eligible in British Columbia for most conditions for which lower-cost biosimilar versions are available. Patients in the province with these conditions will be required to switch to biosimilar versions of these drugs by Nov. 25, 2019 in order to maintain their coverage under BC PharmaCare. Patients taking Remicade for Crohn's Disease or Ulcerative Colitis will not be required to switch to a biosimilar until March 6, 2020.
     
    Biologics are drugs that are engineered using living organisms, such as yeast and bacteria. Biosimilars are highly similar to the originator drugs they are based on and most have been shown to have no clinically meaningful differences in safety or efficacy.
     
    To ensure this provincial change doesn’t result in your clients’ plans paying additional drug costs, we have aligned our drug eligibility for these three biologic drugs with that of BC PharmaCare.
     
    As previously announced, effective Nov. 25, 2019, Remicade and Enbrel will no longer be eligible for BC plan members with conditions for which lower-cost biosimilar versions of the drugs are available. These plan members will be required to switch to the biosimilar versions of these drugs in order to maintain eligibility on the Equitable Life drug plan. We have communicated with Plan Administrators about this change, and we have informed affected claimants of the need to switch medications.  
     
    As well, effective Feb. 3, 2020, the drug ingredient cost for Lantus will no longer be eligible for BC plan members; only the dispensing fee may be eligible under their Equitable Life plan. Plan members taking Lantus will be required to switch to Basaglar, the lower-cost biosimilar version of the drug, in order to maintain coverage under their Equitable Life plan. We will be communicating with Lantus claimants in the coming weeks to allow them ample time to change their prescription and avoid any interruptions in their treatment or their coverage.
     
    If you have any questions about this change, please contact your Group Account Executive or myFlex Sales Manager.

    De-listed service providers

    As part of our ongoing initiative to have Group Benefits plans only reimburse eligible claims, we conduct reviews of the billing and administrative practices of service providers, including clinics, facilities and medical suppliers.

    As a result of these reviews we may de-list certain providers.  We will no longer accept, or process claims for services and/or supplies obtained from those providers. The plan member can still choose to obtain services or supplies from these providers, but Equitable Life will not provide reimbursement for the claims.

    Review Equitable Life’s de-listed service providers

    The delisted service provider list is also posted on EquitableHealth.ca for plan members to review to determine if their claim(s) are eligible for reimbursement under their Group Benefits plan.

    For more information about protecting group benefits plans from abuse, check out our articles.

  9. About
  10. Equitable Life Group Benefits Bulletin - September 2020

    In this issue:

    Enhancements to Equitable EZClaim Mobile
    New reports available on EquitableHealth.ca

    * Indicates content that will be shared with your clients.

    Enhancements to Equitable EZClaim® Mobile*

    We’ve updated our Equitable EZClaim mobile app to process vision claims faster, to provide a new option for submitting documents and to increase password security.

    Faster vision claims processing and payment

    Equitable Life now provides faster processing of vision claims submitted via EZClaim Mobile.

    This means plan members can find out the status of their vision claim almost instantaneously. And, for approved claims, they will receive payment even sooner – often in as little as 24 hours.

    In order to allow for instant processing and faster payment, plan members will be prompted to enter some additional information, including their practitioner’s name, the date of the expense, the type of expense and amount of the expense when submitting their claims for these services.

    Equitable Life plan members can submit all vision claims via Equitable EZClaim, including coordination of benefits and Health Care Spending Account claims.

    Submit documents from a mobile device

    We have added our Document Submission tool to EZClaim Mobile so plan members can conveniently submit documents directly from their mobile device. Applications, change forms, statement of health forms and more can all be easily uploaded whenever and wherever they are.

    Improved security with stronger passwords

    To help you, your clients and plan members better protect personal information, we have increased the maximum length of passwords for both EZClaim Online and EZClaim Mobile from 12 to 32 characters. This longer character limit makes it easier to create stronger and more secure passwords.

    There is no change for plan members, plan administrators or advisors. All existing passwords will continue to function. However, if you choose to update your password you will now be able to choose longer passwords or passphrases.

    Why should I change my password?

    Changing your password frequently helps keep your information safe. The longer and more random the password, the more secure it is. To improve security even more, a passphrase is recommended.

    A passphrase is a series of words or other text used like a password. Because it is much longer, a passphrase is more secure. Although the words in the phrase may be meaningful to you and easy to remember, they can be random enough that the full phrase is difficult for someone else to guess. It’s even better if you use numbers or other characters in your passphrase.

    Your passphrase should be:

    • Long enough to be hard to guess;
    • Not a famous quotation;
    • Easy to remember and type; and
    • Not used in multiple places.

    To change your password:

    1. Log in to EquitableHealth.ca
    2. Click on My Information > User Profile
    3. Click Edit
    4. Confirm your information and enter your new password
    5. Click Save

    We will be announcing this enhancement to plan members on EquitableHealth.ca.

    New reports available on EquitableHealth.ca*

    Plan administrators and advisors with reporting access can now download three additional reports any time via the plan administrator and advisor websites on EquitableHealth.ca:

    • Premium and Tax – This report provides a breakdown of premiums and taxes paid per plan member for any specific time period for all applicable benefits.
    • Occupation and Earnings – This report provides current plan member earnings and occupation information and gives plan administrators an efficient way to report updates to us.
    • Employee listing – This report lists all plan members’ information, including name, certificate number, date of birth, province, occupation and salary, as well as benefit coverage currently in place and HCSA allocations.

    These reports can be downloaded in Excel format for easy updating, filtering or sorting.

    For more information, please contact your Client Relationship Specialist.

     

    *Indicates content that will be shared with your clients