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1. Most employers staying the course on benefits during COVID-19

   With businesses suffering hardship due to COVID-19, employers are turning to you for advice on their benefits plans during these difficult times. We’ve received numerous questions from advisors about changes our clients are making to their plans during this crisis.

   So far, the vast majority of clients are standing pat and taking a wait-and-see approach. Plan amendments have been the exception – fewer than 1% of our clients have made COVID-19-related amendments as of mid-April. Almost all are clients with fewer than 50 lives.

   We know that many of our clients have experienced layoffs, but hardly any have cancelled benefits. Fewer than 0.1% have terminated benefits to date.

   Below is a snapshot of plan amendments and terminations relative to our overall block, and an overview of the types of amendments we’re seeing.

   
   
   
   
   
   COVID-19-related plan changes on Equitable Life’s block of business

   As of April 15, 2020
   

   Have clients who need to make a change?

   We know this is a difficult time for Canadian employers. If you have a client who needs to make a change to their plan, please contact your Group Account Executive or myFlex Sales Manager. We have a range of options to help them manage, and changes can be made quickly. The average turnaround time for COVID-19-related amendments is currently about four days.

   We’re happy to work with each employer to understand the options that suit their specific situation best.

2. Reminder: Deadline to opt out of Alberta biosimilar coverage changes

   In November 2020, we announced via eNews that on March 15, 2021, we are changing coverage for some biologic drugs in Alberta in response to the province’s Biosimilar Initiative. These changes will help protect your client’s plans from additional drug costs while still providing access to equally safe and effective biosimilars.

   Do my clients need to take any action?

   Traditional groups who wish to opt out of this change and maintain coverage of these originator biologics for Alberta plan members can submit a policy amendment. Amendments must be submitted no later than January 15, 2021.

   Advisors with myFlex Benefits clients who wish to maintain coverage of these originator biologics for Alberta plan members should speak to their myFlex Sales Manager to confirm their eligibility to opt out of this change.

   Otherwise, no action is required on their part. Plan members taking these biologics will be contacted directly to allow them ample time to change their prescription. Any cost savings associated with the change will be factored in at renewal.

   Questions?

   We have compiled a list of frequently asked questions to help you understand Alberta’s Biosimilar Initiative. If you have a question that isn’t answered here, please contact your Equitable Life Group Account Executive or myFlex Sales Manager.

3. Make room for more EDO room

   Effective June 26, 2021, a term rider added to an Equimax Estate Builder® or Equimax Wealth Accumulator® policy may allow for an increase to the maximum Excelerator Deposit Option (EDO) payment limit.
    
   Highlights:
   
   ● This enhancement will apply to adult single life Equimax Estate Builder and Wealth Accumulator policies where the Owner Signature Date on the application for insurance is June 26, 2021 or after.
   ● For the term rider to increase the EDO payment limit, it must be issued at the same time as the Equimax coverage.
   ● Term rider EDO payment limit assumes the term rider is held at least 10 years.
   ● The illustration system and EZcomplete application will calculate the maximum EDO payment including any increase from a term rider.
   ● Policies already issued do not qualify.  
   
   Full details about the changes can be found in the transition rules.
    
   Who can benefit from this product enhancement?
   Your clients who have a temporary insurance need and add a term rider to their Equimax plan may be able to take advantage of the additional exempt room and higher EDO payment limits to build the policy values. Make Equimax® your first choice for your clients’ whole life insurance needs.
    
   New Illustration software is now available
   The updated illustration software will be available for download after 9 a.m. ET on Friday, June 25, 2021. 
    
   Want more information?
   
   ● Learn more about the changes and transition rules
   ● Contact your Regional Sales Manager for more information on these changes and other sales ideas  

   
   ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.

4. Benefits and Key features
5. Giuliano Savini, Top 50 Best Wealth Management Wholesalers in Canada for 2023 award recipient

   
   Meet Giuliano Savini, Regional Investment Sales Manager for the Greater Toronto Area, who was recently recognized as one of the Top 50 Best Wealth Management Wholesalers in Canada for 2023 by Wealth Professional Canada. We congratulate Giuliano on this prestigious industry award, which acknowledges his invaluable expertise and contribution to the field of wealth management wholesaling.
   
   When asked what inspired him to pursue a career in this field, Giuliano credits a call from a trusted friend, Joseph Trozzo, who recommended Equitable as an excellent place to work. He joined the company four years ago and has not looked back. For Giuliano, the motivation lies in the meaningful work he does through his advisors and territory, finding the best solutions for their needs.
   
   His greatest achievement at Equitable, according to Giuliano, is the recognition as one of the Top 50 Wealth Wholesalers in Canada. What makes this accomplishment even more special is that the award is advisor-nominated, which means his advisors recognized the impact of his work in helping them succeed.
   
   Looking at his career overall, Giuliano takes pride in the relationships he has built with his advisors and territory over the years. He is proud to be recognized as a subject-matter expert and a business builder, always aiming to be a partner in his advisors' success.
   
   When asked for advice for those starting out in the industry, Giuliano emphasizes the importance of focusing on the success of their advisors. He advises them to use their advisors' success to drive sales and always keep them at the forefront of their business.
   
   Looking ahead, Giuliano sees the industry evolving into a more consultative and partnership-oriented approach. He believes that wholesalers will need to expand their knowledge base beyond competitive product information and into areas like marketing, investor psychology, and practice management to maintain a competitive edge in the industry.
   
   To read more about Giuliano and the other Top 50 Wealth Management Wholesalers in Canada, visit Wealth Professional Canada's website.

   
   Posted : April 12, 2023
6. [pdf] Corporately Owned Segregated Funds
7. From Insight to Inclusion: Engaging Women Investors with Confidence Ready to help future‑proof your practice?
   Create an experience that truly resonates with women investors.
   
   Join our February Master Class, “From Insight to Inclusion: Engaging Women Investors with Confidence.” Learn how to design strategies that help attract, retain and deepen advisory relationships with women – today and for the long term. We will explore why women are essential to building and sustaining a successful advisory business. We will also share practical steps to help you engage them effectively.
   
   We’ll cover:
   • Why women remain an underserved client group,
   • Why inclusion is critical to your business growth, and
   • How to develop strategies that help attract and retain women as value clients.
   
   Why attend?
   • Turn research into real conversations that can build trust.
   • Create a clear plan that speaks to women investors.
   • Build a repeatable process for prospecting, onboarding and reviews – one that includes women in a meaningful way.
    
   Join Joseph Trozzo, Vice President, National Investment Sales at Equitable, for an insightful conversation with Susan Silma – lawyer, former regulator, client‑experience strategist and regular columnist for Investment Executive.
   Don’t miss this opportunity.
   
   
   Register today to secure your spot!
   
   Date: Wednesday, February 25, 2026
   Time: 2 p.m. ET / 11 a.m. PT
   Duration: 1 hour
   
   
   
   Continuing Education Credits 
   This webcast has been submitted for continuing education (CE) approval for all provinces excluding Quebec via the Insurance Council of Manitoba and Alberta Insurance Council. Upon approval, you will be sent an email notification to come back to the webcast presentation console to download your personalized certificate from the tool bar. To be eligible for CE credits, you must register individually, watch the webcast in full, and complete a short quiz. It is the advisor's responsibility to ensure Continuing Education credits being offered are accepted by their licensing body. Alberta Insurance Council (AIC) credits are valid in Yukon, British Columbia, Alberta, Saskatchewan, Ontario, New Brunswick, Prince Edward Island and Nova Scotia. Insurance Council of Manitoba (ICM) credits are valid in Manitoba only. 
   
   This webcast is available in English only. 
    
8. [pdf] Advisors Edge Insurance for Children Article
9. [pdf] Balancing need and affordability
10. Reason Why letters