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[pdf] Application for Term Conversion (Guide)
[pdf] Pivotal Select Contract and Information Folder
Savings & Retirement Policy and Procedure updates regarding Electronic Signatures We have updated our policies and procedures regarding electronic signatures in the Savings and Retirement department. We are now able to accept electronically signed documents, from all major third-party signing vendors.

Including esign@equitable.ca as a non-signing reviewer is the preferred method as it ensures the security embedded documents are accurately and immediately available for Equitable. We will be automatically notified when signing is complete and will download eSigned forms immediately for processing. Including esign@equitable.ca as a non-signing reviewer is secure, quick, and efficient. Documents no longer need to be emailed to us – eSigned documents are sent directly to us once all signatures are completed, therefore you do not need to notify us once the documents are signed.

When esign@equitable.ca is not used to submit electronically signed documents, the following criteria are required:
- The original signed form and audit trail with all the security features intact
- The email address used to sign must match what is in our files (as provided on the application, for electronic policy delivery or through previous communication). If an email address has changed, or we don’t have an email contact for the signer, we will follow up for confirmation.
A guide on how to use esign@equitable.ca can be found here.

Please note that Equitable does not accept digital signatures (images or fonts of a signature which are not stamped).

Date posted: June 13, 2024
About
New illustration software now available!
We have updated our illustration software. Please be sure to download the latest version:
2023-3 (August 2023).

- Web-based illustration software on secure EquiNet^® (log in required)
- Desktop illustration software

We have new rates for our Equimax® Wealth Accumulator and Estate Builder plans. Please refer to our Transition Rules for all the details on processing your applications.

Need more information?
For information on these changes, please contact your Equitable Life wholesaler.

^_®denotes a trademark of The Equitable Life Insurance Company of Canada.
Anti-money Laundering Legislation Requirements Summary
Changes to coverage of Humira in BC BC Pharmacare recently announced it is adding Humira to the list of drugs included in its ongoing initiative to switch patients to biosimilar versions of high-cost biologics. Patients taking Humira for most conditions will be required to switch to a biosimilar version of the drug by Oct. 7, 2021 to maintain coverage under the public plan.

Biologics are drugs that are engineered using living organisms like yeast and bacteria. The first version of a biologic developed is also known as the “originator” biologic. Biosimilars are also biologics. They are highly similar to the originator biologic drugs they are based on, and Health Canada considers them to be equally safe and effective for approved conditions.

How we are responding to protect our clients
To help prevent this change from resulting in additional costs for our clients’ drug plans, while still providing plan members with access to safe and effective medications, we will no longer cover Humira for plan members in BC. Effective Oct. 7, 2021, claimants currently taking Humira will be required to switch to a biosimilar version of the drug to maintain coverage under their Equitable Life plan.

We will be communicating this change to plan administrators later this week. And we will be communicating with affected claimants in early August to allow 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.
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.
Give clients guaranteed retirement income with Payout Annuities
With increased market volatility and interest rates higher than we have seen for much of the past decade, now is a great time to consider payout annuities. Payout annuities can provide regular guaranteed income regardless of how markets perform.

Clients using only a Systematic Withdrawal Plan (SWP) for retirement income are potentially vulnerable during times of market volatility due to the sequence-of-returns risk.¹ When markets are down, more units are redeemed to cover income needs. When markets later rise, clients are not able to participate fully in the recovery because more units were redeemed to provide income. That is why having a guaranteed income component, like a payout annuity, as part of an overall retirement strategy is so important.

Three great reasons to consider Equitable Life® for your payout annuity business:

1. Choose from a variety of payout annuity options including:

A. Life Annuity – guaranteed income for one life
B. Joint Life Annuity – guaranteed income for two lives
C. Term Certain – guaranteed income for a specific period of time (5 to 30 years)
D. Term Certain to Age 90 – guaranteed income until age 90

2. Attractive rates, particularly in Registered and Term Certain Annuities

3. Step Up Your Wealth Sales program - 25% of payout annuity net sales qualify for the 0.75% bonus commission earned on net deposits for 2022²

For more information, please contact your Equitable Life Regional Investment Sales Manager.

¹Sequence-of-returns risk, or sequence risk, is the risk that an investor will experience negative portfolio returns very late in their working life and/or early in retirement.
²All eligible deposits, sales, and redemptions occurring between January 1 and December 31, 2022, will be used to calculate an advisor’s 2022 net deposits.
® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
Give clients guaranteed retirement income with Payout Annuities
With increased market volatility and interest rates higher than we have seen for much of the past decade, now is a great time to consider payout annuities. Payout annuities can provide regular guaranteed income regardless of how markets perform.

Clients using only a Systematic Withdrawal Plan (SWP) for retirement income are potentially vulnerable during times of market volatility due to the sequence-of-returns risk.¹ When markets are down, more units are redeemed to cover income needs. When markets later rise, clients are not able to participate fully in the recovery because more units were redeemed to provide income. That is why having a guaranteed income component, like a payout annuity, as part of an overall retirement strategy is so important.

Two great reasons to consider Equitable Life® for your payout annuity business:

1. Choose from a variety of payout annuity options including:

A. Life Annuity – guaranteed income for one life
B. Joint Life Annuity – guaranteed income for two lives
C. Term Certain – guaranteed income for a specific period of time (5 to 30 years)
D. Term Certain to Age 90 – guaranteed income until age 90

2. Attractive rates, particularly in Registered and Term Certain Annuities

For more information, please contact your Equitable Life Regional Investment Sales Manager.

¹Sequence-of-returns risk, or sequence risk, is the risk that an investor will experience negative portfolio returns very late in their working life and/or early in retirement.
® denotes a registered trademark of The Equitable Life Insurance Company of Canada.