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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. - Death Claim Requirements
- [pdf] Coverage2go
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Introducing Equitable EZBenefits: A better group benefits solution for your small business clients
If you serve small business owners, chances are they’re looking for a group benefits solution that’s affordable, sustainable and easy to manage. That’s why we introduced Equitable EZBenefits™. It’s a unique group benefits solution designed with you and your small business clients in mind.
Options to fit every need
Available to organizations with between 2 and 25 employees, EZBenefits offers a range of plan design options to match different needs and budgets. * Whether your client owns start-up or a growing company, we’ve got them covered. Plan options include a mix of Life, Health and Dental coverage. ** Clients can also add Long-Term Disability (LTD) coverage or a Health Care Spending Account (HCSA).
Embedded services to support health and wellness
To provide employees with added support for both their physical and mental wellbeing, all our plan design options include:- Anytime, online access to medical professionals through our Virtual Healthcare solution from Dialogue,
- Access to professional counselors – via the telephone, the web or in-person – through our Employee and Family Assistance Program from Homewood Health®, and
- Online resources to help manage health, financial and family challenges through Homeweb, Homewood Health’s online wellness portal.
EZBenefits also comes with built-in HR support through Equitable Life’s partnership with HRdownloads® This takes the heavy lifting out of common human resource tasks with HR support tools and services, including:- HR Technology: An award-winning cloud-based human resource information system to provide help from onboarding to offboarding and everything in between.
- HR Content: Access to a library of over 3,000 HR documents, templates, compliance resources and articles, with 25 free document downloads.
- HR Training: A free Workplace Diversity and Inclusion online training course.
- HR Support: One free Live HR Advice call with a seasoned HR expert.
We know that advising small business clients can be challenging. We’ve created a streamlined benefits process that provides rapid quotes, hassle-free plan implementation, simplified renewals and that is easy to administer. That way, you can spend more time advising your clients and building your business – and less time with administrative back and forth.
Pricing stability for long-term stability
When it comes to attracting and retaining talent, we know your small business clients are competing with larger organizations that have big budgets and lots of resources. That’s why we’ve designed EZBenefits to provide long-term pricing stability for health and dental benefits.
Find out more
Watch this video to learn how EZBenefits can help you and your clients. You can also visit info.equitable.ca/ezbenefits for more details or to request a quote. If you have questions, contact your Equitable Life Group Account Executive. If you don't have an Equitable Life Group Account Executive, email us at EZBenefits@equitable.ca.
* Not available in Quebec.
** Dental coverage is not included with the Bronze plan design option. -
Explore Equitable EZBenefits™
A better group benefits solution for your small business clients
Running a small business isn't easy, especially for companies with smaller budgets and fewer resources. It can be tough to find a competitively priced benefits plan with the features that clients want. That’s why we created Equitable EZBenefits™, a benefits solution designed with the needs of small businesses in mind.
Options to fit every need
Available to organizations with between 2 and 25 employees, EZBenefits offers a range of plan design options to match different needs and budgets. * Whether your client owns start-up or a growing company, we’ve got them covered. Plan options include a mix of Life, Health and Dental coverage. ** Clients can also add Long-Term Disability (LTD) coverage or a Health Care Spending Account (HCSA).
Embedded services to support health and wellness
To provide employees with added support for both their physical and mental wellbeing, all our plan design options include:
● Anytime, online access to medical professionals through our Virtual Healthcare solution from Dialogue,
● Access to professional counselors – via the telephone, the web or in-person – through our Employee and Family Assistance Program from Homewood Health®, and
● Online resources to help manage health, financial and family challenges through Homeweb, Homewood Health’s online wellness portal.
Extra HR support for EZBenefits clients
EZBenefits also comes with built-in HR support through Equitable’s partnership with Citation Canada® (formerly HRdownloads). It takes the heavy lifting out of common human resource tasks with HR support tools and services. Features include:
● an award-winning cloud-based human resource information system (HRIS) to provide help from onboarding to offboarding and everything in between,
● access to a library of over 3,000 HR documents, templates, compliance resources and articles, with 25 free document downloads,
● a free Workplace Diversity and Inclusion online training course, and
● one free Life HR advice call with a seasoned HR expert.
A streamlined process to optimize your time
We know that advising small business clients can be challenging. We’ve created a streamlined benefits process that provides rapid quotes, hassle-free plan implementation, simplified renewals and that is easy to administer. That way, you can spend more time advising your clients and building your business – and less time with administrative back and forth.
Pricing stability for long-term stability
When it comes to attracting and retaining talent, we know your small business clients are competing with larger organizations that have big budgets and lots of resources. That’s why we’ve designed EZBenefits to provide long-term pricing stability for health and dental benefits.
Find out more
To learn more about EZBenefits, watch our video to learn more or view our brochure. You can also visit info.equitable.ca/ezbenefits for more details or to request a quote. If you have questions, contact your Equitable Life Group Account Executive. If you don't have an Equitable Life Group Account Executive, email us at EZBenefits@equitable.ca.
* Not available in Quebec.
** Dental coverage is not included with the Bronze plan design option.
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Celebrating our most popular Pivotal Select funds
In August 2022, Equitable® launched 12 new segregated funds in Pivotal Select’s Investment Class (75/75). We wanted to bring some new innovative solutions to the product, including six sustainable investment funds. To say the launch of these funds was successful would be an understatement.
The funds are quickly becoming some of the most popular funds in Pivotal Select™, and their performance in 2023 was impressive. Equitable wants to celebrate these funds and encourage clients to consider them for their portfolios.
As of February 29, 2024, nine out of the 12 funds received a 1st quartile ranking for their 1-year return and two more were 2nd quartile. The table below shows the new funds that ranked in the top two quartiles for their 1-year returns.
Access additional fund performance information
If you haven’t looked at these funds yet, now is the time. Speak to clients about their investment options and see if these funds fit within their investment portfolio.
Talk to your Director, Investment Sales today for more information.Disclaimer
Any amount that is allocated to a segregated fund is invested at the risk of the contractholder and may increase or decrease in value. Segregated fund values change frequently, and past performance does not guarantee future results. Investors do not purchase an interest in underlying securities or funds, but rather, an individual variable insurance contract issued by The Equitable Life Insurance Company of Canada. There are risks involved with investing in segregated funds. Please read the Contract and Information Folder before investing for a description of risks relevant to each segregated fund and for a complete description of product features and guarantees. Copies of the Contract and Information Folder are available on equitable.ca.
Management Expense Ratios (MERs) are based on figures as of February 29, 2024, and are unaudited. MERs may vary at any time. The MER is the combination of the management fee, insurance fee, operating expenses, HST, and any other applicable non-income tax for the fund and for the underlying fund. For clients with larger contract values, a Management Fee Reduction may be available through the Preferred Pricing Program. For details, please see the Pivotal Select Contract and Information Folder.
® and TM denote trademarks of The Equitable Life Insurance Company of Canada.
Posted April 18, 2024
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Life insurance check-ins matter
Life can change
As an advisor, you know clients' lives—and their insurance needs—can change over time. Checking in with clients doesn’t have to be complicated. Even a quick insurance mention during regular financial discussions, like upcoming RRSP reviews, could reveal gaps and make sure their coverage still matches their situation.
Did you know?
• Over 50% of Canadian life insurance clients haven’t reviewed their coverage in the last two years.1
• Clients who have annual reviews with their advisor report greater satisfaction with both their policy and the service they receive.2
If you haven’t spoken with some of your clients lately, scheduling a quick life insurance review can help them feel more supported. It can also help strengthen your client relationships and help you grow your business.
1 LIMRA Canadian Life Insurance Consumer Study, 2024.
2 LIMRA Insurance Engagement Report, 2025.
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Product Enhancements - Critical Illness
Equitable Life has exciting product enhancements that will help you offer more options to clients.
Access our Virtual Product Launch NOW. Grab a coffee and get ready for this exciting news! Hear from our leaders and learn about our exciting product enhancements.
NEW! EquiLiving plans and riders enhanced with:- 20 pay options with coverage to age 75 or coverage for life
- Support from Cloud DX to help monitor a client’s well-being from treatment to recovery.
- Added Acquired Brain Injury as a covered critical condition
- 30-day survival period removed for all non-cardiovascular covered conditions
- No age restriction to claim for Loss of Independent Existence (LOIE)
- EquiLiving Benefit now pays the higher of the EquiLiving Benefit or the Return of Premium Rider Benefit (not including Return of Premium on Death)
- And so much more …
The updated illustration software will be available for download after 9 a.m. ET on Friday, February 11, 2022, and will include all the Equimax and EquiLiving enhancements.
See the Equitable Sales Illustrations Update for information on how to download the software or check for updates.
Please review updates to the commission schedule A for these new enhancements.
Learn more- Transition rules are available
- Watch our virtual launch event video now! (Approx. 20 minutes)
- Watch our product launch intro video here
- Visit our launch event page with product change details and more here
- Marketing Materials
Please contact your Regional Sales Manager for more information. -
Saving time with our fully digital group benefits application
On May 1, 2023, we are launching Equitable BenefitsApply™, our fully digital group benefits application.
This enhancement to the benefits application process will help both you and your clients save time when applying for an Equitable Life group benefits policy. We designed and developed BenefitsApply with input and feedback from several advisors and clients, who tested the tool for themselves.
In most cases, BenefitsApply will replace our traditional paper implementation process.*
BenefitsApply eliminates the need for clients to complete and sign multiple, lengthy paper forms. Time-saving features for you and your clients include:- A fully digital online application that you can access wherever and whenever you need it,
- Pre-filled standard fields,
- Only one signature required from plan sponsors,
- A smart application that only includes the sections relevant to the client and the plan design they have chosen, and
- Automatic notifications of any missing fields.
We will continue improving BenefitsApply’s features based on feedback from the people who use it—you and your clients. We encourage you to share any feedback you have with your Group Account Executive or your Client Relationship Specialist.
*BenefitsApply is currently available for groups with up to four divisions and up to four classes. It is not available for myFlex Benefits plans, or for clients with a customized master application. -
Equitable Life presents a conversation with Equitable Asset Management Group
Did you miss our recent webcast with Equitable Asset Management Group’s Dave Irwin? Did you want to watch it again? Click here to access the On Demand presentation.
Summary
After a record-breaking descent into bear market territory, equity markets have since undergone an unprecedented recovery despite the continued negative economic impacts of COVID-19. With market performance seemingly at odds with the outlook for corporate profits and recessionary calls from economists, what can possibly explain the optimistic tone of the market and is it justified? Please join us to hear David Irwin, Director, Portfolio Management and Client Relations share some insight into the current environment, key market drivers and policy responses to help put market performance in context.
Don’t miss your opportunity to also hear about Equitable’s Active Portfolios and recent No Load CB sales charge option.
Please note that this webcast is open to advisors only. Be advised this webcast is available in English only. We will not be seeking any Continuing Education credits for this webcast.