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  1. Making it easier to claim for Loss of Independent Existence for EquiLiving Critical Illness insuranc We have recently changed the definition of Loss of Independent Existence (LOIE). As a result, the Critical Illness claim criteria has also changed. Before, EquiLiving® Critical Illness insurance coverage was issued with a definition of LOIE that required clients to have the total inability to do 3 of 6 Activities of Daily Living (ADLs). Now, clients will only need to give us proof of the total inability to do 2 of 6 Activities of Daily Living (ADLs) to submit a claim for LOIE. 

    This change makes it easier for clients to claim for this covered critical illness. This change is retroactive to February 2022.

    Clients will be sent a notice from us with a personalized endorsement from Equitable Life. This applies to their policy and forms part of their contract. We will approve claims for LOIE as outlined in the endorsement.

    LOIE is one of the 26 conditions named as a covered critical illness in an EquiLiving policy or Critical Illness insurance rider on an Equitable Life insurance policy. With a loss of independent existence, some activities of daily living can no longer be done on one’s own. This can happen because of a disease or an injury. 

    Want to learn more? See the marketing piece: Understanding the Covered Conditions (1248).  

    For more information, reach out to your local wholesaler.


    ® denotes a trademark of The Equitable Life Insurance Company of Canada.
  2. [pdf] Build Your Business - Fully funding a client’s First Home Savings Account
  3. Important Updates to Policy Settle requirements and Commissions  
    • If you are part of the WFG channel, please login  to review important updates here.
     
    • If you are part of the MGA / National Accounts channel, please login to review important updates here.
  4. Segregated funds – a secure choice for small-business owners Canadian small-business owners may be gambling with their financial future by foregoing personal financial protection, especially during times of economic uncertainty. Small-business owners can potentially put their personal property, investments, and even their retirement savings in jeopardy, if they fail to protect these assets. One way to do that is through investing with segregated funds.

    Because segregated fund contracts are held outside of the estate, they offer privacy and discretion in passing assets to those you care about most. Segregated funds offer the potential for creditor protection on both registered and non-registered assets, which can be especially advantageous to small business owners and entrepreneurs.

    Segregated funds offer small-business protection:
    • 75% - 100% of your premiums (less withdrawals) are guaranteed when your contract matures or on your death.
    • Bypass probate and associated fees by naming a beneficiary.
    • No deferred sales charges at death.
    • Quick payment to beneficiaries after you pass away.
    • Private and confidential beneficiary designations.
    • Creditor protection may be available in the event of bankruptcy or lawsuit.
    Equitable’s Pivotal Select™ may offer protection from the claims of creditors. Self-employed professionals and business owners should consider protecting their personal assets from professional liability. In the event of bankruptcy or lawsuit, your personal assets may be protected from seizure if you have named your spouse, child, parent or grandchild as beneficiary. Having this added protection can help secure your financial future.  

    Learn more about Corporately Owned Segregated Funds and Pivotal Select. If you have any questions, please contact your Director, Investment Sales.

    Date posted: October 10, 2024
     
  5. Reminder: Deadline to opt out of Alberta biosimilar coverage changes

    In November 2020, we announced via eNews that on March 15, 2021, we are changing coverage for some biologic drugs in Alberta in response to the province’s Biosimilar Initiative. These changes will help protect your client’s plans from additional drug costs while still providing access to equally safe and effective biosimilars.

    Do my clients need to take any action?

    Traditional groups who wish to opt out of this change and maintain coverage of these originator biologics for Alberta plan members can submit a policy amendment. Amendments must be submitted no later than January 15, 2021.

    Advisors with myFlex Benefits clients who wish to maintain coverage of these originator biologics for Alberta plan members should speak to their myFlex Sales Manager to confirm their eligibility to opt out of this change.

    Otherwise, no action is required on their part. Plan members taking these biologics will be contacted directly to allow them ample time to change their prescription. Any cost savings associated with the change will be factored in at renewal.

    Questions?

    We have compiled a list of frequently asked questions to help you understand Alberta’s Biosimilar Initiative. If you have a question that isn’t answered here, please contact your Equitable Life Group Account Executive or myFlex Sales Manager.

  6. Growing your business in the large case market At Equitable®, we’re growing at a rapid pace in the large case market. We’re excited to share a new video highlighting all the great reasons to choose Equitable for large case clients—featuring Rob Hollingsworth, Head of Distribution and Product Marketing, Individual Insurance.

    Highlights at-a-glance
    •    We have capacity up to $130 million ultimate net amount at risk
    •    Up to $10 million internal retention
    •    Our mutual structure gives us a number of advantages, including the ability to provide personalized service

    Equitable offers full support to help you work on large cases and successfully implement solutions, and we’re continually adding tremendous experience and talent to our organization. Our team of wholesalers, specialized underwriters, advanced case consultants, and tax and estate planning professionals are here to support you with your complex and larger files.
    Our large case market webpage not only features our new video—it also showcases our team of large case experts and includes a growing list of marketing materials and resources to help you succeed.

    Do you have a large case client opportunity, and want to expand in the large case market?

    Visit our large case markets webpage to learn more.



    ® or TM denotes a trademark of The Equitable Life Insurance Company of Canada.
     
  7. Take the emotions out of investing

    Investing without letting our emotions take the wheel can be quite a challenge. We've all made decisions based on our feelings rather than logic or financial sense at some point. But following our emotions when investing is a good way to put our investment plan at risk.

    When it comes to financial planning, it's crucial to guide clients towards being rational investors who understand that market fluctuations are part of the journey. Even the most steadfast rational investors have found it tough to stay calm amidst recent market volatility. But history reassures us that this too shall pass, and the markets will rise again. The burning question is always, "When?"

    While no one can predict the future, an advisors’ role is to help clients grasp that risk management is a cornerstone of any solid investment strategy. Risk is just one of the building blocks in crafting a financial portfolio that can weather both good times and bad.

    That’s why Equitable® has created an emotional investing brochure to help clients manage through extraordinary times.  Download your copy of Take emotions out of investing. We have also included a template letter that you can personalize and use to reach out to clients. To download an editable copy, click here.

    Questions? Contact your Director, Investment Sales.

    Date posted: April 17, 2025

  8. [pdf] The Right Time To Buy And Sell
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