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  1. About
  2. 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. 
  3. [pdf] EZtransact FAQ
  4. Free Webinar: A better employee health benefits solution for small business clients Join us on Tuesday, May 28, 2024 at 1 p.m. ET for a free webinar about Equitable EZBenefits™ – our new employee health benefits solution designed for small business clients.

    If you serve small business owners, chances are they’re looking for a group benefits solution that’s affordable, sustainable and easy to manage. That’s why we created EZBenefits for businesses with between 2 and 25 employees.
     
    You’ll learn about:
    ● The range of plan design options we’ve created to fit various needs and budgets;
    ● The streamlined process we’ve designed to optimize your time and provide you and your clients with rapid quotes, hassle-free plan implementation and easy renewals;
    ● Our dedicated Advisor Concierge Service – your go-to resource for EZBenefits support;
    ● The health and wellness services that are embedded with EZBenefits, including Virtual Health and an Employee and Family Assistance Program; and
    ● The built-in HR support through Equitable’s partnership with HRdownloads®, including access to HR technology, content and training.

    Register to attend the EZBenefits webinar

    This webinar will be delivered using Microsoft Teams and will include a Q&A component. If you wish to submit a question using the Q&A feature, please follow these instructions when you join the webinar:
    ● Join using the Microsoft Teams app. If you do not have Microsoft Teams, you can download it for free here.
    ● If you prefer to join via web browser without installing Microsoft Teams, please use Google Chrome or Microsoft Edge. Other browsers do not support the Q&A feature.
  5. Making it easier to do business with Equitable We wanted to share some exciting updates with you that focus on enhancing your experience with Equitable®. Improving your journey with us is a top priority, and we continually seek ways to make doing business simpler and more convenient.

    The following are our latest enhancements designed specifically to benefit you.

    New annual premium payment options for Life and Critical Illness plans
    ● Great news! We recently introduced new additional payment methods for clients making their first and subsequent annual insurance premium payments.
    ● And - we're thrilled to introduce a new lower annual premium requirement of $2,500 for clients who wish to pay their annual premiums by Pre-Authorized Debit (PAD)!
    ● Learn more about these changes here.

    Improved forms for requesting in-force illustrations
    ● We understand the importance of efficient workflows, and that's why we have recently updated and improved the following forms to make requesting inforce illustrations even easier:
    ● Term, CI & Whole Life Illustration and Quote for inforce policies
    ● Universal Life Illustration and Quote for inforce policies

    For these and other Equitable forms, navigate to EquiNet® -> Individual Insurance -> Forms.
     
    We trust that these improvements will be met with enthusiasm! And this is just the beginning – stay tuned for more enhancements in the new year!

    Questions? Please reach out to your local wholesaler or our customer service team.

     

    ® or TM denote trademarks of The Equitable Life Insurance Company of Canada

  6. Let’s “Talk Money”: November is financial literacy month This November, we’re joining the Financial Consumer Agency of Canada’s national campaign to help Canadians feel more confident about money. This year’s theme is “Talk Money”, and it’s all about normalizing money conversations.

    Talking about money— including topics like saving, budgeting, or dealing with debt—can feel hard. But when we speak up, we help reduce stress and build stronger financial habits. As advisors, you can lead the way by starting these conversations with clients.

    How you can help
    • Start the conversation: Ask clients about their goals and worries.
    • Share tools: Use Equitable® Individual Wealth calculators and learning modules to help guide conversations.
    • Support wellness: Money stress affects mental health. Be a calm, helpful voice.

    What’s next?
    Watch for more Financial Literacy Month updates throughout November. We’ll be sharing tips, tools, and conversation starters to help you connect with clients and support their financial journey.

    Let’s help Canadians take small steps toward better financial futures — one conversation at a time.
  7. [pdf] Third Party Form
  8. Celebrating our wins – 2023 Individual Insurance Marketing Recap Equitable® would like to wish everyone a Happy New Year and we are looking forward to doing more business together in 2024!

    As we start a brand new year, we would like to share with you some highlights of our 2023 initiatives in Individual Insurance. These projects aimed to make it easier to do business and enrich your experience of working with us.

    Digital & Administration Enhancements
    Our 2023 digital transformation initiatives ensured smoother processes, streamlined operations, and improved user experiences for advisors and clients:
    ● Digital Transactions for Universal Life Plans
    ● Text Notifications Keep You Informed on Your New Business
    ● New Online Policy Loan Form
    ● EZcomplete Enhancement for Critical Illness
    ● New Life & CI Application 





    Product Updates
    Equally pivotal were our efforts in enhancing our individual life insurance solutions to empower you to confidently recommend us to clients:
    ● A Tune-Up for Equimax
    ● The Equimax Evolution Continues
    ● Critical Illness Insurance Update
    ● New Dividend Scale Interest Rate 
     
    To learn more about the above initiatives, kindly reach out to your local wholesaler.
    Thank you for entrusting us with your business in 2023!
    Continue watching for news from Equitable for more great launches and enhancements in 2024!           


    ® or TM denote trademarks of The Equitable Life Insurance Company of Canada
  9. [pdf] Service you can count on
  10. Tax impacts of the Canadian Dental Care Plan for your clients

    Tax impacts of the Canadian Dental Care Plan for your clients*


    Earlier this year, the government shared its progress on the Canadian Dental Care Plan (CDCP). 

    The CDCP will be available to Canadians with an annual family income of less than $90,000 who do not have dental benefits. Co-pays will be waived for eligible Canadians with a family income of less than $70,000. 

    Canadians who have access to private dental coverage are not eligible for the CDCP. This means that your clients must now report on T4s/T4As if dental coverage** was available on December 31 of the reporting tax year for:
    • Employees,
    • Employees’ spouses and/or dependents,
    • Former employees, and
    • Spouses of deceased employees.
    **Potential dental coverage includes Health Care Spending Accounts.

    This new tax reporting requirement is mandatory starting with the 2023 tax year. Employee tax slips will include new boxes for employers to complete:
    • Box 45 (T4): Employer Offered Dental Benefits. This new box will be mandatory.
    • Box 015 (T4A): Payer Offered Dental Benefits. This new box will be mandatory if plan sponsors report in Box 016, Pension or Superannuation. The box will otherwise be optional.
    Your clients should complete the boxes using the code system below. They should choose the appropriate code based on whether Dental coverage was available to the plan member – not whether the plan member has chosen to participate in the coverage.  For example, if a plan member has waived coverage or has chosen not to participate in the plan, they would still have access to coverage.
    • Code 1: The plan member has no access to dental care insurance or coverage of dental services of any kind.
    • Code 2: Only the plan member has access to any dental care insurance, or coverage of dental services of any kind.
    • Code 3: The plan member, their spouse and their dependents have access to any dental care insurance, or coverage of dental services of any kind. 
    • Code 4: Only the plan member and their spouse have access to any dental care insurance, or coverage of dental services of any kind. 
    • Code 5: Only the plan member and their dependents have access to any dental care insurance, or coverage of dental services of any kind. 
    Your clients can find further information about completing tax slips for employees on the Canada Revenue Agency’s website:

    Reports for dependents

    We have a report available for plan members who have enrolled their dependents in benefits coverage. Your clients can contact their local service team representative to receive a copy of the report. We are working to make it available on our Advisor and PA websites.
     

    Questions

    For guidance on your tax slips and reporting obligations, please encourage your clients to contact their accountant, payroll provider or tax advisor.
     

    Supporting plan members affected by the Israeli-Palestinian conflict*


    Traumatic events continue to unfold in the Middle East. Enduring ongoing news of conflict and suffering could challenge many Canadians. During this difficult time, Equitable encourages affected clients and plan members to access the mental health support they need. 


    Support available to all Equitable plan members

    Large-scale traumatic news events can cause people to experience intense reactions. This puts a lot of strain on their mental health. Having coping mechanisms to deal with the current crisis can be a huge help. Any Equitable Life plan member who needs mental health support can visit Homeweb.ca/equitable to access online resources or contact Homewood at 1.888.707.2115.  
     

    Support available to plan members with the Homewood Health EFAP

    For your clients that have purchased Homewood Health’s Employee and Family Assistance Program (EFAP), remind them that their plan members also have access to confidential counselling services. The EFAP provides plan members with 24/7 access to confidential counselling through a national network of mental health professionals. Whether it’s face-to-face, by phone, email, chat or video, plan members and their dependent family members will receive appropriate, timely support for the issue they’re dealing with. 
      

    Questions? 

    If you need more information, contact your Group Account Executive or myFlex account executive.

    *Indicates content that will be shared with your clients.