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  1. [pdf] Tax Free Savings Account
  2. [pdf] Segregated Fund Annual Report - December 31, 2025
  3. [pdf] Your guide to Coverage2go
  4. Sample portfolios
  5. Extending premium relief for Dental and Extended Health Care benefits

    We know this is a challenging time for Canadian employers and we continue to look for ways to help your clients manage while still supporting their employees.

    As many health practitioners continue to keep their offices closed due to the pandemic restrictions, plan member use of dental benefits and some health benefits remains lower than normal.

    So, we are pleased to announce that we are extending premium relief for all Traditional and myFlex insured non-refund customers for Health and Dental benefits for the month of May, as follows:

    • A 50% reduction on Dental premiums in all provinces except Saskatchewan, where a 25% reduction will apply due to the re-opening of dental clinics in early-May; and
    • A 20% reduction on vision and extended healthcare rates (excluding prescription drugs) in all provinces, which equates to an 8% reduction on Health premiums.

    These reductions are effective for May 2020 and will appear as a credit against the next available billing. We will assess the situation monthly and expect to continue with monthly refunds for as long as the current crisis period continues. The size of the credit may change over time as dentists and other health practitioners gradually reopen their offices. We will confirm premium credits for June (if any) at a later date. Credits for subsequent months will be communicated on a month-by-month basis.

    In order to be eligible for the monthly credit calculation and payout, a policy must be in force on the first of the month and remain in force thereafter. The monthly credit calculation is based on employees in force on the May bill. If employees experienced layoffs during the month, that would not affect eligibility for a premium credit as long as the benefit itself is not terminated.

    We expect that claims experience and premiums will return to normal once the current pandemic restrictions are lifted.

    In the meantime, plan members will continue to have full access to their benefits coverage throughout the pandemic. In many cases, dental offices remain open for emergency services, and a variety of healthcare providers are available virtually.

    Commissions

    We know the pandemic has put financial strain on your business as well, so we will continue to pay full compensation. Although your overall commission will be unaffected by these premium reduction adjustments, you may see a temporary reduction in your commission payments if you are on a pay-as-earned basis. We will begin to process the commission top-up payments in mid-June and will reflect both April and May premium credits.

    Communication

    We will be communicating this premium relief program to your clients later this week.

    Questions?

    If you have any questions, please contact your Group Account Executive or myFlex Sales Manager. In the meantime, we have provided some Questions and Answers below. You can also refer to our online COVID-19 Group Benefits FAQ.

  6. [pdf] Excelerator deposit option Q&A
  7. About
  8. 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

  9. The top five benefits of choosing the 10-pay premium option As part of our December 2024 Equimax® update, we launched a new guaranteed 10-pay premium option for Equimax Wealth Accumulator®. This option is a great way for clients to fund their life insurance policy.

    The top 5 benefits of the 10-pay premium option:

    1. Short Payment Period: After just 10 years, the policy will be completely paid-up, and clients won’t have to make any more payments while still having coverage.
    2. Growing Cash Value: By completing payments in a shorter time, clients can see their cash value grow faster. They can later access this value through policy loans or cash withdrawals if needed.
    3. Level Premiums: The premiums for the 10-pay option stay level over time. This makes it easier for clients to budget.
    4. Estate Planning: A fully paid-up life insurance policy can be a great planning tool for clients who want to leave a legacy for their loved ones.
    5. Tax Benefits: The cash value in a whole life policy grows tax-deferred, and the death benefit is paid out tax-free to beneficiaries.

    To learn more about our Equimax 10 pay premium option, visit our splash page:

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    Need more information? Contact your local Equitable wholesaler with any questions.


    ® or TM denotes a trademark of The Equitable Life Insurance Company of Canada.