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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. -
REMINDER that paper applications with a version date prior to 2021/04/02 are set to expire July 1, 2
To comply with the Government of Canada’s anti-money laundering legislation and FATCA/CRS changes, Equitable Life® has updated its Savings and Retirement and Life Insurance applications.
If you currently have applications with a version date before 2021/04/02, please destroy them and use our online pdf applications or order new applications from our Supply Team. Paper applications with a version date prior to 2021/04/02 (located on the back page and in the bottom right-hand corner of the application) will no longer be accepted after July 1, 2021 for:
● Savings and Retirement (Form #1383, #1384, #799, #355), and
● Life Insurance (Form #350)
To learn more about the Government of Canada’s anti-money laundering legislation and FATCA/CRS review the following links:
Want to be sure you always have the most up-to-date application? Try our EZcomplete® online platform for Individual Life, Critical Illness and Segregated fund applications.
For a complete list of all forms and applications affected by the anti-money laundering legislation, refer to the following links:
● Savings and Retirement Anti-money Laundering Legislation Requirements Summary.
● Life Insurance Anti-money laundering Legislation Requirements Summary.
● Government of Canada - Guidance on the Common Reporting Standard
● Financial Transactions and Reports Analysis Centre of Canada
If you have any other questions, contact your Regional Sales Manager or Equitable Life’s Advisor Services Team
® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
- Termination
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Universal life product linked interest option changes
On July 1, 2025, we will be changing the index that is tracked for the linked interest options shown far below.
Clients can change their investment options at any time if they choose. This includes the Linked Interest Option(s) for money currently invested and future deposits.
Requests for this change can be done:
• In writing – Submit the Reallocation and transfer of funds – universal life form (form 693UL).• Online by advisors – Go to Policy Inquiry on EquiNet® (advisor site).• Online by clients – Links in Client Access® through Equitable.ca.Please contact your Equitable® Wholesaler for more information.
Linked Interest Option Universal life insurance solution Currently tracking Effective July 1, 2025 Canadian Equity Index • Equitable GenerationsTM S&P/TSX 60® Total Return Index S&P/TSX Composite® Total Return Index Canadian Equity • Equation Generation® IV• EquiLife®• Equation Generation III• Equation Generation II• Equation
• Direction 2000 Plus
S&P/TSX® 60 Total Return Index and S&P/TSX Composite® Total Return Index registered trademarks of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and S&P Global. All others are registered trademarks of The Equitable Life Insurance Company of Canada.
- [pdf] Third Party Form
- Death Claim Requirements
- What is the process to change the agent on record for a policy?
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Transaction Authorization Requirements table for Savings & Retirement advisors
Equitable Life® is here to help. When it comes to getting certain transactions authorized in a non face-to-face environment, you might need some direction. We’ve got you covered.
Equitable has created a quick reference table on EquiNet™. The Transaction Authorization Requirements table provides details on how to get certain forms approved and the best way to get them to us. Each form listed gives the authorization type that is accepted. We’ve also provided details when we receive a document that is considered not-in-good-order.
As we navigate through COVID-19, we will continue to update this table. This means you have the most current information available at your fingertips, 24/7.
Have other questions about COVID-19? Check out our Savings & Retirement COVID-19 update page on EquiNet as well. This page provides the latest news and information for Savings & Retirement advisors.
Still have a question? Give our Advisor Services team a call Monday to Friday 8:30 a.m. – 7:30 p.m. ET at 1.866.884.7427 or email savingsretirement@equitable.ca, or your local Regional Investment Sales Manager.
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Getting a tax refund is exciting, but should it be?
Do clients know that when a tax refund is issued, it means they are giving the government an interest-free loan? If a client receives a tax refund, it may mean the client’s employer is withholding too much tax. Here’s how to change that.
The client can complete and submit Canada Revenue Agency (CRA) form T1213 (Request to Reduce Tax Deductions at Source).
The client will indicate which regular deductions and non-refundable tax credits to qualify for. These would include things like regular Registered Retirement Savings Plans contributions, childcare expenses, etc. When approved by the CRA, the client will see more money on every pay. A client might even want to make this request to reduce the tax withheld if a large bonus or vacation pay is anticipated.
Encourage clients to use the additional cash flow to increase monthly contributions, support a Retirement Savings Plan or Tax-Free Savings Account or repay an investment loan. Increasing savings each year – even by a small amount – can have a substantial impact on retirement savings. For additional questions, contact your Regional Investment Sales Manager. -
NEW Process for Applications for Term Conversion to Equimax with Excelerator Deposit Option (EDO)
Great news! We are now allowing term conversions to Equimax with EDO with no additional underwriting provided the maximum net amount at risk (NAAR) for the new Equimax policy does not exceed the Term coverage amount being converted.
We have created an easy-to-use Excel worksheet (1616 worksheet) to help you confirm that the conversion to Equimax with EDO satisfies the NAAR requirement and will assist you with properly completing the Application for Term Conversion (Form 1616). This worksheet is only for use in situations where the term coverage is to be converted to Equimax with EDO and must be submitted along with the signed illustration and completed Application for Term Conversion. The maximum NAAR can be found on the Underwriting page of the illustration report.
The signed Equimax illustration, application and term conversion worksheet should be sent to: inforcelifemail@equitable.ca.
Resources can be found on Equinet: