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1. Frequently Asked Questions
2. Equitable Life Group Benefits Bulletin – May 2021

   In this issue:

   • Graduating dependents losing coverage?*  
   • New Brunswick expands the use of biosimilars*
   • Proposed changes to federal recovery and EI benefits*
   • Removal of plan administrator access to update plan member banking*
   • BioScript recognized as one of Canada’s Best Managed Companies*
   *Indicates content that will be shared with your clients
    

   Graduating dependents losing coverage?

   Let plan members know about Coverage2go

   As we reach the end of spring, some of your clients’ plan members may have dependents who are graduating from university or college and will no longer be eligible for coverage under the benefits plan.
    
   Fortunately, we offer 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 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

   New Brunswick expands the use of biosimilars

   The New Brunswick government recently announced that it will be implementing a biosimilar transition program.
    
   Patients using originator biologic drugs for diseases such as inflammatory arthritis, inflammatory bowel disease, diabetes and psoriasis, will have until November 30, 2021 to switch to the biosimilar version of their medications in order to maintain coverage under the province’s public drug plans. This process will be completed in consultation with the patients’ physicians.
    
   Biosimilars are highly similar to the drugs they are based on and Health Canada considers them to be equally safe and effective for approved conditions.
   
   Equitable Life^® actively monitors and investigates all biosimilar policy changes and the ongoing evolution of biosimilar drugs entering Canada.  We will keep you informed of any impact on private drug plans and how we are responding.

   Proposed changes to federal recovery and EI benefits

   In its recent 2021 budget, the federal government proposed a variety of changes to its benefit programs.
   
   The proposed changes include providing up to 12 additional weeks of the Canada Recovery Benefit to a maximum of 50 weeks. The first 12 weeks of this benefit would be paid at $500 per week and the remaining eight weeks at $300 per week. 
   
   Multiple changes have also been proposed to make Employment Insurance (EI) more accessible to Canadians. The changes include: maintaining uniform access to EI benefits across all regions, supporting multiple job holders and those who switch jobs by ensuring that all insurable hours and employment count towards their eligibility, and simplifying many rules around EI to ensure Canadians can receive benefits sooner. It has also been proposed that the regular EI benefits be extended to no later than November 20, 2021, if needed.
   
   We are analyzing the impact these changes may have to disability benefits. We will provide more details later in the year. 

   Removal of plan administrator access to update plan member banking

   In early June, plan administrators will no longer be able to update banking information for their plan members on EquitableHealth.ca after their initial enrolment. This change has been made to allow plan members to have full control over where they want their claim payments deposited.

   Plan members can update their banking information online through their plan member web portal or through the EZClaim mobile app. They will continue to be notified via email if and when they make any changes.

   BioScript Solutions recognized as one of Canada’s Best Managed Companies

   Congratulations to our partner, BioScript Solutions, for being recognized as one of Canada’s Best Managed Companies of 2021 by Deloitte.
    
   We have partnered with BioScript since 2016 for our Specialty Drug Preferred Pharmacy Network (PPN). This partnership offers cost savings while providing comprehensive, best-in-class patient care.
    
   BioScript is one of Canada’s leading specialty pharmacies and recently celebrated its 20^th anniversary.
    
3. 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.
4. Supporting clients at claim time with KIND Did you know that our KIND™ program is available for new sales of Equitable Generations™ universal life and Equimax^_® participating whole life?
   
   In September 2022, we introduced our KIND program with our Equitable Generations launch and in February 2023 we announced the addition of KIND to new sales of Equimax.
   
   Our KIND program includes:
   ●  Compassionate Advance* - access up to 50% of your coverage to a maximum amount of $100,000 if the insured becomes terminally ill¹
   ●  Bereavement Counselling - benefit for beneficiaries up to $1,000 total¹
   ●  Snap Advance*- providing immediate access (if needed) of a portion of the death benefit up to $25,000 or the cash value of the policy, whichever is less when a death claim is submitted¹
   ●  Living Benefit - tax-free access to the policy cash value in the event of severe disability¹ We offer benefits to clients and their heirs with our KIND program. This is an example of our commitment to our clients.
   
   We offer benefits to clients and their heirs with our KIND program. This is an example of our commitment to our clients.
   
   
   To learn more about KIND with Equitable Generation or Equimax, read our our KIND Caring Claim Support Package or contact your local wholesaler.
   
   
   View our KIND video on YouTube or Vimeo! 
    
    
   ^® and ^TM denote trademarks of The Equitable Life Insurance Company of Canada.
   * Snap Advance and Compassionate Advance are non-contractual and may be altered or terminated by Equitable Life at any time without notice
   ¹ Subject to meeting the eligibility requirements.
    
5. Clients looking to add a little balance and diversification to their investment mix?

   An Equitable® Guaranteed Interest Account (GIA) may be just the right fit for them. With competitive interest rates, Equitable GIAs may be an ideal solution for clients looking to create a well-diversified and balanced portfolio.

   A few reasons to consider Equitable for your GIA business:

   • •  The GIA advantage – a life insurance contract can provide many estate planning benefits.

   • •  Advisor rate discretion – advisors can forego up to 40bps of commission for an equal increase in interest rate, making our great rates even better.

   • •  Step Up Your Wealth Sales program¹ – 100% of GIA net deposits are used to calculate the 0.75% bonus commission earned on net deposits for 2024².

    

   Bookmark this page to check our current rates.

    

   For more information, please contact your Director, Investment Sales.

    

   ¹ Equitable reserves the right to alter or terminate this program at any time and without notice.

   ² All eligible deposits, sales, and redemptions occurring between January 1 and December 31, 2024, will be used to calculate an advisor’s 2024 net deposits. See full Step Up Your Wealth Sales program details for more information.

   ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
   
   Date posted: May 9, 2024

6. [pdf] Equitable GIF Fund Facts
7. We hear you. Equitable Life was ranked #1 for overall segregated funds service performance*. Each year, Life Ops Consulting Group conducts an independent survey of financial advisors to find out
   how satisfied advisors are with the service they receive from life insurance companies in Canada. Since 2015, Equitable Life^® has received top marks in overall segregated funds service performance, new business processing, fund/policy statements and post-sales service.
   
   Equitable Life was ranked #1 for overall segregated funds service performance^*
   
   We would like to take this opportunity to thank each of you that took the time to participate in this survey. We are proud of the service that we provide and are committed to listening to what advisors want and need to run their business. We work hard to earn your trust and will do what it takes to keep it.
   
   Thank you.
    

   * Life Ops Consulting Group Distribution Service Satisfaction Survey 2019
   ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.

   
    
8. Clients can win up to $5,000 in the RSP Grow Your Future Contest!
   RSP season is here and Equitable Life^® is giving clients and their advisors a chance to win BIG with the Grow Your Future Contest.
   
   This contest is for advisors and clients working together to build wealth that lasts through the ups and downs.
   
   Two ways to win:
   
   1. Between January 1 and March 1, 2023, if the client makes a deposit into an Equitable Life RSP policy
    
       
   
   2. Between January 1 and 31, 2023, if the client makes a deposit into an Equitable Life RSP policy
   
      
   
   See full contest details. Grow the future this RSP season!
   
   Equitable Life is committed to offering clients product, service, and choices that best suit their needs. We are pleased to offer multiple sales charge options, three distinct guarantee classes, and a diverse selection of investment funds.
   
   Speak to your Regional Investment Sales Manager to learn more.
    

   * Draws occur weekly from January 9 – February 6, 2023.
    ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
   Grow Your Future RSP Contestt: No purchase necessary. Contest period January 1, 2023 to March 1, 2023.  Enter by making a deposit to an Equitable Life RRSP during the contest period or by submitting a no-purchase entry.  Forty-four prizes to be awarded, for a total value of $10,200 CAD. Twenty-one $100 prizes, to be drawn on January 9, 2023, January 16, 20232, January 23, 2023, January 30, 2023 and February 6, 2023. One Grand Prize draw, for a prize of $5,000 CAD, to be held on March 2, 2023. The servicing advisor for the policy to which the selected entrant made the deposit is also an eligible winner: (i) for $100 prizes, the servicing advisor will also receive a $100 prize; and (ii) for the $5,000 grand prize, the servicing advisor will receive a $1,000 prize. For example, if an Equitable Life client is a winner of a $100 prize, the client’s servicing advisor also wins a $100 prize; if an Equitable Life client is a winner of the $5,000 grand prize, the client’s servicing advisor wins a $1,000 prize.  Open to legal residents of Canada of the age of majority. Eligible non-winning Entries will continue to be eligible on subsequent Draw Dates. Maximum one $100 prize per person and one $5,000 or $1,000 prize per person. Odds of winning depend on number of eligible Entries received during the Contest Period.  For full contest rules, including no-purchase method of entry, see full contest rules.

9. Reinstatements
10. And the winners of Equitable’s Ring in the Savings Contest are…

    A big thank you for making Equitable’s Ring in the Savings contest a huge success.  
    
    Clients who made a contribution between January 1 and March 1, 2025, to their Registered Retirement Savings Plan (RRSP) or Tax-Free Savings Account (TFSA) or could win $5,000 and the advisor could win $1,000.
     
     We’ve now completed the draws and are thrilled to announce the following winners:

    • Client: C. F., British Columbia
      Advisor: Dylan D., British Columbia

    • Client: F. L., Ontario
      Advisor: Ted E., Ontario

    Congratulations to our winners!  
    
    From all of us at Equitable, thank you for your trust and partnership.

    Posted May 5, 2025