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1. COVID-19 Group Benefits FAQ
2. Group - COVID-19 Group Benefits Updates

   As the coronavirus (COVID-19) continues to spread, it’s important that you have the most up-to-date information about how it impacts you, your clients and their plan members. To help, we have created a COVID-19 Updates page on EquiNet, our secure advisor site. There you will find links to past editions of our eNews, as well as the most up to date FAQ. Please check back often. We will continue to provide timely updates on any developments that impact our clients and their plan members or their benefits coverage.

   Open our EquiNet COVID-19 Updates page

3. How can I help to expedite the contracting process?
4. Equitable Life and Cloud DX

   We have partnered with Cloud DX to provide remote monitoring for all our EquiLiving® Critical Illness Insurance eligible claimants.*

    A Canadian first. Equitable Life’s Critical Illness eligible claimants, will now be supported beyond diagnosis and through treatment and recovery. Equitable Life is proud to announce that it has partnered with Canadian digital health innovator, Cloud DX, to provide a Virtual Monitoring Care service as part of its Critical Illness packages. We are pleased to offer this service on all new and existing EquiLiving coverages. 
   
   View our press release announcing Cloud DX and Equitable Life’s partnership, and watch our video featuring Donna Carbell, Senior Vice President, Individual Insurance.

   • Frequently asked questions
   *Cloud DX is a non-contractual benefit and may be withdrawn or changed by Equitable Life® at any time. To be eligible for the Cloud DX offering, a claimant must be age 12 or older and have received payment on or after February 12, 2022 for a covered critical condition benefit under an individual critical illness insurance policy issued by Equitable Life. An early detection benefit payment does not qualify.   Equitable Life pays for 6 months of Cloud DX subscription fees.  If the claimant wishes to continue the Cloud DX service after 6 months, they will be responsible for the cost.
5. Flexibility for a client’s ever-changing life

   Term life insurance offers full and partial conversion options to meet changing needs

   
   Life is always changing—whether a client is buying their first home, welcoming a new baby, or sending the kids off to college. While most clients think of term life insurance as a solution to meet a temporary need, they don’t necessarily consider the power of term conversion options to meet their future needs. 
   
   Full and partial conversion options can help meet a client’s needs as their life journey and insurance needs change, without having to provide proof of continued good health. 
   
   Full conversion:
   •    With full conversion, clients can convert all of their term coverage from their policy or rider to permanent life insurance. This allows the client to lock in a level premium rate for life.
   
   
   
   
   Partial conversion:
   •    With a partial conversion, clients can convert a portion of their term coverage from their policy or rider to a permanent plan. This allows them to help cover off both a short-term need and also provides lifetime protection.
   
   Did you know?
   Our partial conversion with a term rider carryover is now more flexible than ever. Read more about it here!
   
   For more information, please consult the Equitable Term Life insurance admin guide.

6. Termination
7. Let’s “Talk Money”: From first savings to retirement income
   Financial Literacy Month may be ending, but the conversation shouldn’t.
   
   Talking with an advisor helps normalize money conversations— including discussions on saving, spending, managing debt, and more. This can help clients feel better and make smarter financial choices. As an advisor, you can guide clients from their first savings through to retirement with Equitable^® .
   
   Starting out? Clients can consider:
   Tax-Free Savings Account (TFSA)
   Save for short- or long-term goals and take out money anytime, tax-free.
   
   First Home Savings Account (FHSA)
   Save up to $40,000 tax-free for a first home. Contributions may be tax-deductible, and withdrawals are tax-free for buying a qualifying home.
   
   Growing wealth? Clients can consider:
   Registered Retirement Savings Plan (RRSP)
   Contributions may be tax-deductible. Good for long-term savings—money grows tax-free until retirement.
   
   Guaranteed Interest Account (GIA) / Daily Interest Account (DIA)
   Earn steady interest with flexible terms. Available in a TFSA, RRSP, and FHSA.
   
   Retirement ready? Clients can consider:
   Payout annuities
   Guaranteed income for life or a set time. Helps make sure savings last.
    

   Resources to support these conversations

   
   Use our easy online tools: EZcomplete^®  to apply and EZtransact™ for transactions. Let’s help Canadians save smarter—one step at a time. When we work together, success is mutual.
   
   Reach out to your Director, Investment Sales if you have questions.
8. Wrapping up 2025 with our new term rates!
   Among the most competitive in the market
   Equitable^® is wrapping up 2025 with our new term rates effective November 22, 2025. Many Canadians view life insurance as unaffordable, with 34% saying cost is the top reason they go without coverage.¹ Our new term rates are designed to help address these concerns. They offer flexible and affordable options to help clients get the protection they need.    
   ¹ Investment Executive at Survey finds affordability, lack of trust, barriers to buying life insurance | Investment Executive 
   
   What’s New:
   Updated premium rates for Term coverage, included on:
   • Term 10, Term 20 and Term 30/65 plans
   • Including Term Riders on Critical Illness (CI), Whole Life (WL), Equitable Generations^® Universal Life (UL) and Equation Generation^® IV Universal Life
   
   View our Transition Rules for all the details on processing your applications. 
   
   
    
    
   New term rate highlights*:
   *Effective November 22, 2025. Our term rates ranked among the best on LifeGuide when compared against top carriers in key markets.
   
   Check out our new term rates for yourself. Run quotes monthly (versus annually) for our best term rates.
   
   Contact your Equitable wholesaler today to learn more!
   
   
   
    
9. Secure your GIA with Equitable today! In uncertain times, a Guaranteed Interest Account (GIA) is a safe and stable investment opportunity. Now is a great time to consider a GIA with Equitable^®.
   
   Equitable offers:
   •    market leading interest rates¹, with higher rates for larger deposits;
   •    many account types, including the First Home Savings Account; and
   •    options to invest up to age 95².
   
   “GIAs offer a number of benefits for investors, especially in times of market volatility.” said Cam Crosbie, Executive Vice President, Savings & Retirement. Equitable. “In uncertain times, let your investments be certain. Choose GIAs for guaranteed peace of mind and predictable returns, along with estate planning benefits, and potential creditor protection.”
   
   GIAs are simple fixed-income investments that add value to a portfolio. Equitable GIAs provide competitive interest rates and protection from market volatility. For more information visit EquiNet^® and don’t forget to register for our interest rate change alert email.
   
   For more information or assistance, please contact your Director, Investment Sales.
   
   1 Equitable has made every effort to ensure accuracy of competitive information. Accuracy is not guaranteed. 
   2 Some available term lengths may be limited starting at age 90.
   
   Date posted: May 14, 2025
10. EZ Upload