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1. Mental health support for all plan members

   As the COVID-19 pandemic continues, many Canadians are dealing with increased stress and anxiety. Now, more than ever, plan members need easy to access resources to help them cope with these uncertain times.

   Through our partnership with Homewood Health^®, the Canadian leader in mental health and addiction services, all of our clients and their plan members have access to tools designed to provide guidance and support, including i-Volve, Homewood’s Online Cognitive Behavioural Therapy tool.

   Proven therapy, at your own pace

   Included with Homewood Online resources in every Equitable Life^® plan, i-Volve can help plan members identify, challenge and overcome anxious thoughts, behaviours and emotions. It encourages incremental changes in behaviour and is proven to be an effective therapeutic approach for dealing with mild to moderate anxiety or depression. Plan members work at their own pace through a series of web-based exercises, ultimately helping to change the ways in which they think, feel and react in various situations.

   Free for all Equitable Life plan members

   All Equitable Life clients and their plan members have access to i-Volve. It’s available 24 hours a day, seven days a week, wherever you choose to access it.

   Contact your Group Account Executive or myFlex Sales Manager to learn more about Homewood Health and i-Volve Online CBT.

    

2. New “Update Payment” feature for banking changes has launched! Great news! Equitable^® has launched a new self-serve "Update Payment" feature in Client Access and on EquiNet^®. This new online process enables clients and advisors to easily submit key banking change requests for eligible insurance policies*, with no need to complete a physical form.
   
   What’s new?
   
   A new "Update Payment" feature is now available on Client Access and on EquiNet under Policy Inquiry. It allows clients (and advisors) to easily submit requests for the following three transactions online:
   
   1.  STOP pre-authorized payments.
   
   2.  RESUME pre-authorized payments on overdue accounts.
   
   3.  CHANGE which bank we withdraw money from.
   
   
   
   
   The new "Update Payment" feature replaces the previous "Edit" button in Client Access. The old banking change options are still available in the client’s Profile section. They can be used to request a change to the payment withdrawal date, as that option is not yet available with the new Update Payment feature. 
   
   How it works!
   
   When a change is requested using the new Update Payment feature, our Operations team receives it online.  They will review and process the changes within three business days, as per Equitable’s current service standards. 
   
   The Update Payment feature in Client Access is a self-serve process. However, if a client prefers, their advisor or an Equitable Customer Service associate can assist them by submitting the request on their behalf. Clients will be asked to sign to approve any such requests that are submitted by someone other than the owner of the policy.
   
   *The Update Payment transactions are only available for eligible policies: those that have not lapsed, are not on Automatic Premium Loan, and are not owned by a corporation or other entity.
   
   We trust that these digital enhancements will help make the client and advisor experience even simpler and more efficient.
   
   Need more information? Please contact your Equitable wholesaler.
   
   ^® or ^TM denotes a trademark of The Equitable Life Insurance Company of Canada.
3. Making it easier to do business with us At Equitable^® we are always looking for ways to improve your experience with us. We’ve made the following enhancements to make it easier for you to put your business with us.  
   
   New and Improved UL Fund Performance page
   
   Access more fund performance information faster and easier on our new and improved Fund Overview & Performance website for funds held within Equitable universal life policies. 
    
   We partnered with Fundata to build a central location for fund performance, fund information (available in web and PDF) and Management Expense Ratios (MERs). This fund reporting will be available for all our universal life business (both legacy products and products currently being sold).
   
   Highlights include: 
   ● Save your favourite funds for easy access. 
   ● Fund search and tools to filter by product, asset class and sustainability. 
   ● Share feature allows you to easily share fund information with clients. 
   ● Ability to compare fund performance. 
   
   Check out the new Fund Overview & Performance website today. See how Equitable is making fund information faster and easier to access. 
   
   New “Update Payment” feature for banking changes has launched!
   
   Great news! We have launched a new self-serve "Update Payment" feature in Client Access and on EquiNet^®. This new online capability enables clients and advisors to easily submit key banking change requests for eligible insurance policies*, with no need to complete a physical form.  
   *The Update Payment transactions are only available for eligible policies: those that have not lapsed, are not on Automatic Premium Loan, and are not owned by a corporation or other entity.
   
   What’s new? Clients and advisors can now submit banking changes via EquiNet under Policy Inquiry. It allows them to easily submit requests for the following: stop and resume pre-authorized payments or change banks. Learn more. 
   
   Speak to your individual life wholesaler to learn more about these great enhancements!
   
   ^® or ^TM denotes a trademark of The Equitable Life Insurance Company of Canada
4. The Equimax EVOLUTION Continues Earlier this year, we announced a host of improvements to our Equimax^® Participating Whole Life solution, designed to add value, flexibility, and affordability to an already excellent plan. 
   
   Today we’re pleased to announce the following additional updates took effect on August 12^th, 2023: 
   1. Targeted improvements in rates, death benefits, and cash values for Equimax Estate Builder and Equimax Wealth Accumulator plans. 
   2.  New joint last to die rates for the Wealth Accumulator plans to align with Estate Builder. 
   3.  A new “rated age” calculation, and
   4.  New rates for determining the maximum enhancement amount with the Enhanced Protection dividend option.
   
   Visit our splash page and watch our informative video to learn more and start selling the enhanced Equimax today.
   
      
   
   Refer to our Transition Rules for all the details on processing your applications.
   
   
   Our illustration tools are updated:
   ●  New Web-based illustration software on secure EquiNet^® (log in required)
   ●  New Desktop illustration software 
   ●  New EZstart™ on EquiNet 
   
   Need more information?
   For information on these changes, please contact your Equitable Life wholesaler. 
   
   
   ^® and ^TM denote trademarks of The Equitable Life Insurance Company of Canada.
5. [pdf] Customizing Your Defaults
6. EZcomplete Online Application for non face-to-face meetings

   
   Practice self-distancing by conducting non face-to-face sales meetings and completing your applications online.

    

   Using our EZcomplete Online Application allows you to keep your distance while keeping your business moving forward.

   
   You can complete applications and obtain the necessary signatures remotely.
   
   Log in to EquiNet^® and click on the EZcomplete Online Application link in the selection panel at the top of the page.

   
   The following resources are available on the EZComplete Online Application page on EquiNet.

   Quick Reference Guide for Life Insurance and Critical Illness
   Non face-to-face meetings – ID Verification Options
   Remote Signing Process
   EZcomplete tutorial (video)
   EZcomplete FAQ - Special COVID-19 Issue

   
   Read other important COVID-19 related news

    

   Questions? 

   Contact your Equitable Life Regional Sales Manager, or the Advisor Services Team (for life and critical illness insurance) at:
   Phone: 1.800.668.4095
   Email: western-service@equitable.ca             mailto:eastern-service@equitable.ca
               (BC, AB, SK, MB)                                 (ON, QC, NB, NS, PE, NF)
7. Retirement Income Options from Equitable Life
   If you have clients who are reaching retirement age and have a Retirement Savings Plan or locked-in funds from a previous employer, the government requires them to convert these plans by December 31 of the year they turn 71.
    
   If your client is converting a plan, ask them about other existing assets. This is a great opportunity for your client to consolidate assets from other providers; and for you to discuss a lower management fee through Equitable Life’s Pivotal Select Preferred Pricing Program.
    
   For more information on the options available for clients who are reaching retirement age and the advantages of each, check out the following materials.
    
   • When it is time to convert your RSP to a RIF
   • Converting your savings into retirement income
   • Retirement Income Fund Understanding minimum withdrawal percentages
    
   To learn more about Equitable’s Preferred Pricing Program, please click here.
8. Equitable Life offers more than 60 years of RSP innovation

   
   In 1957, Equitable Life® began offering a Retirement Savings Plan (RSP). That is more than 60 years of RSP innovation in the Canadian marketplace. Today, Equitable Life offers two great accumulating RSP products to meet your clients’ needs.

   • Pivotal Select^TM Segregated Funds

   • Guaranteed Interest Accounts

   These products provide both protection and flexibility for your clients. They also provide the tax savings and benefits of an RSP. Get your clients to start saving to their RSP now. Make RSP contributions a financial priority each year. 
   
   This year’s RSP deadline is March 1, 2022. This will be the last day that an RSP deposit can reduce your clients’ 2021 taxable income.
   
   If your client is looking to convert registered savings to guaranteed income, click here to learn more about Equitable Life’s payout annuity options.
   
   Need additional support? Contact your local Regional Investment Sales Manager today.

9. Online banking makes RSP season easier
   March 1, 2021 is the deadline for clients to make Retirement Savings Plan (RSP) contributions within the first 60 days and that date is quickly approaching! Why not alleviate some stress by having your clients make their deposits using online banking?
   
   To get started with online banking, clients simply log in to their online bank account and select the option to add a new bill/payee and search for Equitable Life Savings Plan. The Equitable Life savings plan policy number will serve as the account number.
   
   Clients that complete their deposits using online banking don’t have to stress about mailing a cheque. Or worry about whether the money will make it to head office in time for the deadline. Deposits are applied based on the investment direction on file.
   
   Deposits can be made to RSPs as well as Tax-Free Savings Accounts and non-registered accounts. The minimum deposit is $50 per fund and $500 per Guaranteed Deposit Account (GDA).
   
   To learn more, click here. More questions? Reach out to your local Regional Investment Sales Manager.
    
10. Short and long-term income solutions from Equitable Life
    Do you have clients without a company pension plan, close to retiring and worried about outliving their savings? Have you talked to them about annuities? Maybe it’s time you did. 
     
    A payout annuity from Equitable Life® provides regular guaranteed income in retirement. Your clients can choose from
     
    • Life Annuity – guaranteed income for life
    • Joint Life Annuity – guaranteed income for two lives
    • Term Certain – guaranteed income for a specific period of time (5 to 30 years)
    • Term Certain to Age 90 – guaranteed income until age 90
     
    There’s no need for your clients to worry about stock market fluctuations or changing interest rates, what better time to add an annuity to your client’s retirement savings strategy.
     
    Payout annuities are an excellent solution for
    
     
    • Converting your savings into retirement income
    • Covering predictable fixed monthly expenses
    • Providing lifetime income
     
    For more information on payout annuities, please click here.