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  1. Critical Illness - More Covered Conditions
  2. Product Enhancements - Critical Illness Equitable Life has exciting product enhancements that will help you offer more options to clients. 

    Access our Virtual Product Launch NOW. Grab a coffee and get ready for this exciting news! Hear from our leaders and learn about our exciting product enhancements.

    NEW! EquiLiving plans and riders enhanced 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)
    • EquiLiving Benefit now pays the higher of the EquiLiving Benefit or the Return of Premium Rider Benefit (not including Return of Premium on Death)
    • And so much more …
    New Illustration software available on February 11, 2022 
    The updated illustration software will be available for download after 9 a.m. ET on Friday, February 11, 2022, and will include all the Equimax and EquiLiving enhancements.

    See the Equitable Sales Illustrations Update for information on how to download the software or check for updates. 

    Please review updates to the commission schedule A for these new enhancements.

    Learn more Get ready to make 2022 your best year yet for your sales! 

    Please contact your Regional Sales Manager for more information. 
  3. Policy contract changes for residents of Quebec Starting June 1, 2023, there will be new language rules for any “contracts of adhesion”, including insurance policy contracts, in Quebec. These changes are part of Bill 96, which is about respecting French as the official and common language of Quebec.

    At Equitable Life, we have made some changes to our contract processes to support this new requirement.
    Starting after May 23, 2023, clients who live in Quebec will always get a copy of their insurance policy contract in French, regardless of language preference.
    - We will only send the English copy to the policy owner if they specifically ask for it. In that case, we would also send a French copy.
    - For clients who request a copy of their policy contract in French, there is no change. We pride ourselves in respecting the needs of our clients.

    If you want to learn more about these language changes, visit Assemblee nationale du Quebec - Bill 96. You may also contact your wholesaler.
  4. Fresh new look for Equitable’s Path to Invest

    When we grow together, success is mutual. At Equitable, we’re committed to supporting your professional growth. Path to Invest, our self-serve online education and training resource, has been redesigned to deliver a simpler and more streamlined experience for advisors.

    You can now register and log in to Path to Invest, complete the modules, download resources, contact us with questions and access your CE certificates all in one place. Plus, our always-on Path to Invest modules offer new engagement tools like Refer a Colleague, Meet the Team and Learn More, an AI feature that allows you to further your content journey using AI suggested content.

    Grow your knowledge - and your business - with Equitable. Check out our current selection of investment training modules today and watch for more modules coming later this year. 


    Date posted: March 12, 2025
  5. New Term Rider for Equitable Generations
    Affordable, Flexible Protection for Clients

    Great news! As of June 7, 2025 you can now offer clients a Term 30/65 Rider on Equitable Generations™ universal life plans. This new rider will help you provide clients more choice in affordable and flexible solutions to align with their financial goals.

    What this new rider means for clients:
    • Coverage until the later of 30 years or age 65
    • Premiums remain level
    ​​​​• Coverage convertible to a permanent plan until age 60

    The Term 30/65 Rider complements the 10 and 20 Yearly Renewable and Convertible Term Riders already offered on Equitable Generations.

    This enhancement reflects Equitable’s commitment to growing and evolving our products, ensuring you have the solutions to meet clients’ changing needs.


    Transition Rules
    Check out our Transition Rules for new and in-progress life applications, which took effect on June 7, 2025.

    Questions? Contact your Equitable® wholesaler.
  6. Term vs permanent life insurance: helping clients choose the best solution for them Most people understand why life insurance matters. What they’re often unsure about is which type of coverage is right for them. As an advisor, you’re in a unique position to do more than present options, you can help clients feel confident they’re making an informed choice. 

    Start with the client, not the product
    Before discussing insurance solutions, you can start by asking three important questions:
    1. What do you need to protect today?
    2. What are you trying to achieve for the future?
    3. What is your budget?
    By asking these questions you will get a better understanding of which solution fits the client’s needs.

    Matching the solution to the client
    Term life insurance may be ideal for clients who have budget considerations and need coverage for: 
    • Helping to replace income
    • Helping cover a mortgage or other debts
    • Business protection
    • A specific period of time (10 – 30 years)
    If a client wants lifetime coverage but can’t afford it right now, term insurance is a good option.  It gives them affordable coverage today that they can later choose to convert to permanent insurance when their income increases.1

    Permanent life insurance (whole life and universal life) is an option for clients looking for lifelong coverage and added long-term value. It’s a good option for clients who want to:
    • Build an inheritance
    • Preserve their estate
    • Build tax advantaged cash value growth

    Permanent life insurance is also an excellent way for parents or grandparents to help give children or grandchildren some lasting financial security. It secures lifetime protection at a lower cost when the child is young and healthy. It also offers the potential for cash value growth that they can access if needed.   

    Helping clients make confident choices
    By focusing on what the client needs now—and what they might need later—you can help them pick life insurance that fits their changing life and financial goals. Share this client‑friendly piece that outlines some of the things that clients should consider to make an informed decision: 
    Which life insurance solution is right for you?

    Reminder: Clients’ needs can change; it’s a good idea to review their coverage regularly.

    For any questions, contact your Equitable wholesaler.


    1See contract for details on conversion limitations and eligibility.
  7. Investment loans
  8. Investment loans
  9. Total Cost Reporting: understanding what's coming next
  10. Equitable Life Group Benefits Bulletin – September 2021 In this issue: *Indicates content that will be shared with your clients

    Right drug, right dose

    Equitable Life partners with Personalized Prescribing Inc. to help plan members avoid treatment trial and error
     
    Patients suffering from mental health conditions often need to try several medications before they find one that works for them. This is frustrating and can result in negative side-effects, a longer recovery, lost productivity, or a delayed return to work.
     
    To help plan members avoid this treatment trial and error, we have partnered with Personalized Prescribing Inc. to provide easier access to pharmacogenomic testing for plan members with mental health conditions.
     
    Pharmacogenomics 101
    Pharmacogenomics is the study of how an individual’s genes influence their response to medications. Pharmacogenomic testing can help determine how compatible a patient’s body may be to a particular drug, and helps their physician prescribe the most appropriate medication. The goal is to ensure the right drug is prescribed to deliver the most positive outcome with the fewest side effects.
     
    Easier access to pharmacogenomic testing
    Through our partnership with Personalized Prescribing Inc., any Equitable Life plan member diagnosed with a mental health condition can purchase a pharmacogenomic test for a discounted price of $399 plus HST – a 20% savings.
     
    We are also introducing the option for plan sponsors to add coverage of pharmacogenomic tests provided by Personalized Prescribing Inc. for mental health conditions.
     
    With this coverage, plan members are eligible for pharmacogenomic testing if:
    • They have been diagnosed with a mental health condition;
    • They are currently taking or have stopped taking a medication for a mental health condition that does not work or has side effects; and
    • The pharmacogenomic test is conducted by Personalized Prescribing Inc.
    How it works
    Getting a test is easy. The plan member starts by visiting www.personalizedprescribing.com/equitablelife to request a test kit.
     
    Once they receive their test kit from Personalized Prescribing Inc., they simply provide a saliva sample and send it back (postage is pre-paid). Within 7-10 business days, they receive an Rx Report™ that they can share with their doctor. This report includes details to help their doctor prescribe the right drug and the right dose for them.
     
    Benefits for plan members:
    • The plan member and their physician receive a full report that is easy to understand;
    • The report identifies the most compatible medications for the plan member’s condition and the medications to avoid;
    • The physician is able to prescribe the most appropriate medication with the fewest side effects; and
    • The plan member avoids medication trial and error.
    Benefits for employers:
    • Pharmacogenomic testing can be an effective prevention strategy to help employees stay healthy and potentially avoid a mental health-related work absence; and
    • Employees suffering from mental health conditions may be more productive when they are on the right medication for them.
    To learn more about pharmacogenomic testing through Equitable Life and Personalized Prescribing Inc., please visit www.personalizedprescribing.com/equitablelife. To request coverage for your clients, please contact your Equitable Life Group Account Executive or myFlex Sales Manager.

    Responding to New Brunswick’s Biosimilar Initiative

    We are changing coverage for some biologic drugs in New Brunswick in response to the province’s Biosimilar Initiative. These changes will help protect your clients from additional drug costs while still providing access to equally safe and effective biosimilars.
     
    What is New Brunswick’s Biosimilar Initiative?
    New Brunswick’s Biosimilar Initiative will end provincial coverage of several originator biologic drugs for some or all conditions beginning on December 1, 2021. Patients who are using these drugs for the affected conditions will be required to switch to biosimilar versions of the drugs to maintain coverage under the province’s government drug plan.
     
    What is the impact on private drug plans?
    The most significant risk to plan sponsors who maintain coverage of originator biologics is coordination of benefits (CoB) risk. If other insurance carriers follow suit with the province and delist the originator biologics, it could expose a plan that doesn’t delist them to significant coordination of benefits risk.
     
    For example, consider a patient who is covered under two private plans – their employer plan and a spousal plan. If their employer plan was the first payer for the originator biologic but delists the drug, the spousal plan now becomes the first payor. If the spousal plan continues to cover the cost of the originator, it now pays most or all of the cost of the drug.

    How is Equitable Life responding?
    To protect your clients’ plans from paying additional and avoidable drug costs, we are changing coverage in New Brunswick for most biologic drugs included in the provincial initiative.
     
    Beginning Feb. 1, 2022, plan members in New Brunswick will no longer be eligible for coverage of Humira, Lantus, Humalog and Copaxone if they have a condition for which Health Canada has approved a lower cost biosimilar version of the drug. These plan members will be required to switch to a biosimilar version of those drugs to maintain coverage under their Equitable Life plan.
     
    How will Equitable Life communicate this change to plan members?
    We will be communicating with affected claimants in early-December 2021 to allow them ample time to change their prescriptions and avoid any interruptions in their treatment or their coverage.
     
    Can my client maintain coverage of these biologic drugs?
    All groups, except myFlex clients, who wish to opt out of this change and maintain coverage of these originator biologics for New Brunswick plan members can submit a policy amendment. Amendments must be submitted no later than Nov. 30, 2021.
     
    Advisors with myFlex Benefits clients who wish to maintain coverage of these originator biologics for New Brunswick plan members should speak to their myFlex Sales Manager to confirm their eligibility to opt out of this change.
     
    Groups that opt out of this change are also opting out of any future changes to our New Brunswick biosimilar initiative. Their drug plans will continue to cover any additional originator biologics that we subsequently add to the program.  
     
    Will this change impact my clients’ rates?
    The rate impact of this change and  any cost savings associated with the change will be factored in at renewal.
     
    If plan sponsors opt out of these changes and maintain coverage for the originator biologics, it may result in a rate increase. Any rate adjustment will be applied at renewal.
     
    What is the difference between biologics and biosimilars?
    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 drug they are based on and have been shown to have no clinically meaningful differences in safety or efficacy.
     
    Questions?
    If you have any questions about this change, please contact your Group Account Executive or myFlex Sales Manager.
     

    Helping plan members access our convenient digital options

    Some of your clients’ plan members aren’t benefitting from our secure and convenient digital options to access and use their Group Benefits. They can sign up to submit claims electronically for faster claim payments, get claim payments deposited directly to their bank accounts, easily review their coverage details, quickly access their Group Benefits plan booklet, benefits card and more. We’ve made it easier than ever to sign up, with more resources all conveniently located at Equitable.ca/go/digital.

    Your clients’ plan members can visit this link to view:
    • A brochure with all the high-level instructions they need to get started on EquitableHealth.ca and the EZClaim mobile app
    • A full video guide on how to access and navigate EquitableHealth.ca
    If your clients’ plan members need help activating these services, they can give us a call at 1-800-265-4556 and select the option for web support. We’d be happy to help!
     

    Reminder: Please access forms on EquitableHealth.ca*

    We routinely update our Plan Administrator forms on EquitableHealth.ca based on their feedback and to stay compliant with legal and/or regulatory requirements. If your clients need a form, they should always pull the most recent version from EquitableHealth.ca instead of reusing forms they have saved on their computer. Using an old or outdated form may result in processing delays.
     
    Your clients can access the Plan Administrator forms by following these steps:
    • Login to EquitableHealth.ca
    • Select “Documents”
    • Toggle between English and French forms
    • Click on the document name to download a PDF copy

    Over-age dependents losing coverage?*

    Some of your clients’ plan members may have dependents who are reaching the maximum age for eligibility under their group benefits plan.
     
    If they are attending school full-time or are disabled, they may be eligible for continued coverage. Plan members with over-age dependents can simply complete the Application for Coverage of Dependent Child Over Age 21 (Form #441) and submit it through our online document submission tool. They can access the tool by logging into their Group Benefits account at www.equitablehealth.ca and clicking My Resources. 

    If they are not attending school full-time or disabled, they will no longer be covered under the plan. However, they may be eligible for Coverage2go®. It allows individuals who are losing their group coverage to purchase personal month-to-month health and dental coverage that is affordable, reliable and works like their previous group benefits plan. They can choose the level of coverage and protection that suits their personal situation.

    There are no medical questions – they simply need to apply within 60 days of losing their health coverage under their group benefits plan.*
     
    Help your clients’ plan members and their dependents who are losing coverage by letting them know about Coverage2go. They can visit our website to learn more about Coverage2go and to get a quote.
      
    *Quebec residents are not eligible for Coverage2go