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Here is what our advisors are saying about Equitable’s EZtransact
You asked US to make EZtransact™ even easier, so we did. We asked YOU to tell us what you think, and you are! Here is what our advisors are saying about Equitable’s EZtransact:

“EZtransact puts Equitable above all our product partners! This was so easy! Thank you!” - Michelle Rolston

“You've done an amazing job with the forms that are so easy to deal with now! Thank you”. - Jane Hanson

“You've got this thing running brilliant” - Gerald Kottke

“Love the ease of this!” - Bradley Radke

In case you missed the most recent updates to EZtransact, advisors can now help clients make segregated fund withdrawals for all account types, and transfer from one fund to another digitally using our self-serve tool. Comments from our advisors since these enhancements were made have been overwhelmingly positive. Thank you!

Get to know EZtransact and fast-forward your sales process. If you have any questions, please contact your Director, Investment Sales, or Advisor Services Team Monday to Friday, 8:30 a.m. – 7:30 p.m. ET at 1-866-884-7427, or email savingsretirement@equitable.ca.

Date posted: August 22, 2024
Your year-end momentum starts today! Just 79 days left to go in 2025!

As the air turns crisp and the leaves change color, we hope you’re enjoying our beautiful Canadian fall season. But before you get too swept up in the season's fun, remember that the final quarter is also a great time of year to boost your business.

Harvest season for success
Many clients are reviewing their financial goals and plans now. According to LIMRA, nearly 30% of life insurance applications are submitted between October and December¹. This means you have a huge sales opportunity.

Why choose Equitable^® ?
Clients expect competitive solutions that fit their unique needs well. Equitable offers great products, digital tools, and outstanding service and support. Learn more here.

Act now to finish 2025 on a strong note:
• Review your client list: Identify who needs a check-in before the year ends.
• Spot the opportunities: Year-end financial planning opens doors—don't miss out.
• Leverage our resources: From our e-apps to marketing materials and digital tools, we're here for you.

So, grab your client list (and your pumpkin spiced latte) and make the most of this final quarter. Your Equitable team is here to support you all the way to 2026 — let's finish 2025 strong!

¹LIMRA, "Life Insurance Applications by Month," 2025.
Show term and critical illness illustrations with ratings

Rating options are now available in term and critical illness web illustrations. When you add a rating, the premium changes so clients can see the difference. This makes it easier to compare options and set expectations early.

What’s new
You can apply ratings to your term and critical illness web illustrations. When you choose a rating, the illustration and report update right away with the new premium.

Benefits
• Clear side‑by‑side comparisons
• Illustrated options better fit client’s needs
• Talk about options with more confidence

How to use the rating feature
1. In the web illustration, go to Personal Information.
2. Select the Ratings checkbox.
• This option also appears when adding a term rider or critical illness rider.

3. Choose the rating type you want to illustrate:
• Permanent amount (term)
• Permanent percentage (term and critical illness)
• Temporary amount (term)
Once applied, the premium updates automatically and appears in the illustration report.

Important to know
• Illustrated ratings are for comparison purposes only.
• When you submit an application, the system removes the illustrated rating.
• The final rating is determined through underwriting.

Improving your experience with more digital enhancements
We’re always working to improve the web illustration experience based on your valued feedback.
Here are some improvements you've asked for:
• A confirmation box appears showing the rider selected is included in the illustration report.
• When you’re signed into EquiNet your name and advisor code are included at the bottom of the illustration report.
New design updates to the illustration reports now make it easier for you and clients to review. Use these clear and refreshed illustrations to help clients get the protection that best meets their needs.

Questions
Contact your Equitable wholesaler. For specific case support be sure to include:
• the client name (if applicable);
• the product (term or CI);
• screenshot of the illustration settings.
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January 2024 eNews

In this issue:

Equitable scores high marks with group advisors*
REMINDER: Equitable's National Biosimilar Program starts in March*
2024 dental fee guide updates*
Homewood Health wins HR Reporter Reader's Choice award for EFAP excellence*

*Indicates content that will be shared with your clients.

Equitable scores high marks with group advisors*

Equitable ranked first for operational service among major group insurers in a recent study of Canadian group benefits advisors.

NMG Consulting, a leading global consulting firm, conducted in-depth interviews with 146 Canadian group benefits brokers, consultants, MGAs and third-party administrators between May and August 2023 for its annual Canadian Group Benefits Study. Based on these interviews, NMG ranked group insurers in six categories, ranging from operational management to technology.

Nationally, Equitable ranked among the top three in five of the six main categories, including number one for Operational Management:

Category	Ranking
Operational management	1st
Initiatives (including seminars & training)	2nd
Technology	3rd
Underwriting & claims management	3rd
Relationship management	3rd

“Advisors regard us highly in many categories. That’s a testament to our mutual status and ability to focus exclusively on our clients and advisor partnerships,” said Marc Avaria, Executive Vice President, Group Insurance Division. “We are truly working together to build strong, enduring and aligned partnerships with our clients and advisors.”

“We’re delighted with these results and are committed to continuously advancing our delivery of a better benefits experience for our clients and advisors,” added Avaria.

More highlights from the latest NMG survey

Nationally, we ranked first in seven subcategories in Operational Management, including:

Overall service to intermediaries,
Overall service to plan sponsors,
New quote process,
Plan implementation,
Renewal process,
Accuracy and timeliness of reporting and billing, and
Administration quality and responsiveness

In Underwriting and Claims Management, we finished in the top three for flexibility of underwriting (2nd).

And we were rated strongly in Technology, finishing in the top three for:

Overall technology for Intermediary (2nd)
Member experience (3rd)
Quality of technology for the plan sponsor (2nd)
Quality of mobile application (2nd)

REMINDER: Equitable's National Biosimilar Program starts in March*

In October 2023 we announced the upcoming launch of our national biosimilar program. Starting March 1, 2024, we are expanding our biosimilar switch initiatives to provide a single, nationwide** program. 

Why we’re making the switch

Over the past few years, most provinces have introduced policies to delist some originator biologic drugs. They require most patients to switch to biosimilar versions of those drugs to be eligible for coverage under their public drug plans. Soon, it is expected that all provincial drug plans will cover only biosimilars.

Equitable’s National Biosimilar Program simplifies drug plan coverage by replacing our provincial programs. It also protects clients from additional drug costs while offering access to lower-cost biosimilars deemed equally safe and effective by Health Canada.

How will this affect clients' drug plans?

Because we have already introduced biosimilar switch initiatives in most provinces, the impact of this change will be minimal. It will primarily affect plan members in provinces or territories where we haven’t already required the switch to biosimilars. It will also affect plan members who are taking biosimilars that were not originally included in the switch initiative for their province.    

Regardless of where they live, plan members across Canada will no longer be eligible for most originator biologic drugs if they have a condition for which Health Canada has approved a lower-cost biosimilar version of the drug. Plan members already taking the originator biologic will be required to switch to a biosimilar version of the drug to maintain coverage under their Equitable plan. We will support their transition with education, personalized communication, and resources. 

Advance notice for plan members

We contacted affected claimants in early December to give them enough time to change their prescriptions 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 Account Executive.    
 ** Excludes plan members in Quebec who participate in a separate provincial program. 

2024 dental fee guide updates*

Each year, Provincial and Territorial Dental Associations publish fee guides. Equitable uses these guides to help determine the reimbursement limits for dental procedures.

For your reference, you may wish to refer to the 2024 list of the average dental fee increases for general practitioners.

Homewood Health wins HR Reporter Reader's Choice award for EFAP excellence*

Equitable is proud to congratulate our Employee and Family Assistance Plan (EFAP) partner, Homewood Health®, for winning the Canadian HR Reporter 2023 Reader’s Choice Award in Employee Assistance Plan services. Homewood’s EFAP provides confidential support for a range of health, family, money, and work issues through face-to-face, phone, email, chat, or video counselling. The award recognizes their high standards in counselling and mental health support services.

The annual Reader’s Choice Awards identify organizations that provide outstanding expertise and services for HR professionals and employers across Canada. Those organizations provide valuable information on useful, innovative HR and employee benefits products and programs, in categories such as recruitment, mental health services, employee engagement programs, and more.

Sharing Homewood Health with your clients

Since 2019, we have worked with Homewood to provide mental health services for Equitable benefits plan members.

Your clients can access Homewood Health’s award-winning EFAP for an additional fee by adding it to their benefits plan. Services are available 24/7, 365 days a year.

All Equitable clients also have free access to Homewood Health Online in their benefits plan. Homewood Online provides a variety of helpful wellness resources, including:

Homeweb, an online and mobile health and wellness portal,
Health Risk Assessment, a group of assessment tools to help plan members identify and overcome health and wellness barriers, and
Online Internet-based cognitive behavioural therapy (iCBT) through Sentio to manage symptoms of anxiety and/or depression.

Questions

To learn more about Homewood Health’s services, contact your Group Account Executive or myFlex Account Executive.

[pdf] Homewood Health Online
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