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2. Enhanced flexibility and features make Equimax whole life a great choice for your clients

   WHAT’S NEW ON MARCH 23, 2020?

    
   The following features are available on Equimax Estate Builder^® and Equimax Wealth Accumulator^® plans!   
   
   60 months of EDO payment flexibility¹ that fits your clients’ situation

   • Clients can start EDO payments¹ up to 60 months from the date the application was signed, or resume up to 60 months from the last EDO payment made, without additional evidence of insurability.
   • Applies to Equimax² policies with an effective date of March 23, 2020 or later. 
   
   
   
   
   EDO is available on cases rated 300% or less³ for new and existing clients
   • For existing clients, if approved, the EDO contract provisions that apply will be based on the effective date of the insurance policy, not the date the EDO was added.
   • Applies to Equimax² policies issued under the 2017 tax rules.
   
   
   
   Built-in Disability Benefit Disbursement provides access to cash value in the event of a disability
   • The Disability Benefit Disbursement may provide a tax-free, lump sum payment of up to 100% of the policy’s cash value if the insured becomes disabled.⁴
   • Will be included on Equimax² policies issued under the 2017 tax rules.⁵

   
   
    

   Want more information?

   More information is available on EquiNet^® on the Whole Life Insurance Product page under the Resources tab. 
   
   Ask your Equitable Life^® Regional Sales Manager about Equimax today.

   COVID-19 & social distancing: Strategy for insurance applications   Using our EZcomplete® online application allows you to keep your distance … while keeping your business moving forward.   Learn more

    

   
   ¹ This applies only to policies with an effective date of March 23, 2020 or later. The amount of the EDO payment allowed may be limited to the maximum EDO payment made in previous years depending on the policy year. For approved EDO amounts exceeding $150,000 annually ($12,500 monthly), clients have up to 12 months from the date the EDO application was signed or the date of the last EDO payment to make an EDO payment before a contribution cap may apply. See Admin Guide for full details.  ² Applies to Equimax Estate Builder and Wealth Accumulator; all ages; life pay and 20 pay; single and joint lives. ³ Not available if the policy has a flat extra rating. ⁴ See sample policy contract for full details, including the qualifications for the disbursement. Policy cash value and death benefit will decrease. Tax laws are subject to change. The payment of the disability benefit disbursement may affect the adjusted cost basis (ACB) of the policy as it is considered payment of a capital benefit. Changes in ACB can affect the future taxation of the policy.  ⁵Subject to our administrative rules and guidelines in effect at the time of the disbursement

3. 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.

4. [pdf] Investment Direction - Equitable GIF
5. Supporting plan members affected by the British Columbia and Northwest Territories wildfires

   Wildfires across Canada are disrupting the lives of many Canadians. During this difficult time, Equitable Life is providing additional support to help affected clients and plan members.

   Prescription refills

   Plan members who have been evacuated and/or lost their medication due to the wildfires will be able to make early refills until September 17, 2023, through TELUS Health, our pharmacy benefit manager.

   Replacement of medical or dental equipment and appliances

   Plan members who need to replace eligible medical or dental equipment or appliances due to the wildfires should first call 1.800.265.4556 to confirm coverage.

   Disability or other benefit cheques

   Plan members receiving disability benefits or other benefit reimbursements via cheques can visit www.equitable.ca/go/digital for instructions on how to sign up for direct deposit. It just takes a few minutes. Plan members can also call us at 1.800.265.4556 if they need help, a replacement cheque or assistance arranging a different mailing address.

   Mental health support

   Unpredictable, large-scale natural disasters can cause people to experience intense reactions, putting a lot of pressure on their mental health. Having coping mechanisms to deal with the current crisis can be a huge help. Any Equitable Life plan member who needs mental health support can visit Homeweb.ca/equitable to access online resources or contact Homewood at 1.888.707.2115.  

   For plan sponsors who have purchased Homewood Health’s Employee and Family Assistance Program (EFAP), their plan members also have access to confidential counselling services. The EFAP provides plan members with 24/7 access to confidential counselling through a national network of mental health professionals. Whether it’s face-to-face, by phone, email, chat or video, plan members will receive the most appropriate, most timely support for the issue they’re dealing with. 
    

   Plan Administrator support

   We realize that the fires are having a profound impact on regular business operations in B.C. and N.W.T. If you have clients that are unable to carry out day-to-day plan administration, they can call us at 1.800.265.4556. They can also contact their Customer Relationship Specialist for support.
    
   This is a challenging time for advisors, plan sponsors and plan members. We will continue to monitor the situation and provide additional updates as appropriate. 

   Questions?

   If you need more information, contact your Group Account Executive or myFlex Sales Manager.

6. Term vs permanent life insurance: helping clients choose the best solution for them Most people understand why life insurance matters. What they’re often unsure about is which type of coverage is right for them. As an advisor, you’re in a unique position to do more than present options, you can help clients feel confident they’re making an informed choice. 
   
   Start with the client, not the product
   Before discussing insurance solutions, you can start by asking three important questions:
   1. What do you need to protect today?
   2. What are you trying to achieve for the future?
   3. What is your budget?
   By asking these questions you will get a better understanding of which solution fits the client’s needs.
   
   Matching the solution to the client
   Term life insurance may be ideal for clients who have budget considerations and need coverage for: 
   • Helping to replace income
   • Helping cover a mortgage or other debts
   • Business protection
   • A specific period of time (10 – 30 years)
   If a client wants lifetime coverage but can’t afford it right now, term insurance is a good option.  It gives them affordable coverage today that they can later choose to convert to permanent insurance when their income increases.¹
   
   Permanent life insurance (whole life and universal life) is an option for clients looking for lifelong coverage and added long-term value. It’s a good option for clients who want to:
   • Build an inheritance
   • Preserve their estate
   • Build tax advantaged cash value growth
   
   Permanent life insurance is also an excellent way for parents or grandparents to help give children or grandchildren some lasting financial security. It secures lifetime protection at a lower cost when the child is young and healthy. It also offers the potential for cash value growth that they can access if needed.   
   
   Helping clients make confident choices
   By focusing on what the client needs now—and what they might need later—you can help them pick life insurance that fits their changing life and financial goals. Share this client‑friendly piece that outlines some of the things that clients should consider to make an informed decision: 
   Which life insurance solution is right for you?
   
   Reminder: Clients’ needs can change; it’s a good idea to review their coverage regularly.
   
   For any questions, contact your Equitable wholesaler.
   
   
   ¹See contract for details on conversion limitations and eligibility.
7. [pdf] Harnessing the power of your cash value
8. On June 26, 2021 make room for more EDO room Effective June 26, 2021, a term rider added to an Equimax Estate Builder® or Equimax Wealth Accumulator® policy may allow for an increase to the maximum Excelerator Deposit Option (EDO) payment limit.
    
   Your clients who have a temporary insurance need and add a term rider to their Equimax plan may be able to take advantage of the additional exempt room and higher EDO payment limits to build the policy values. Make Equimax® your first choice for your clients’ whole life insurance needs.
    
   Want more information?
   Learn more about the changes and transition rules.
   
   Contact your Regional Sales Manager for more information on these changes and other sales ideas.
    
9. Equitable Life Welcomes Donna Carbell as Senior Vice President, Individual Insurance Donna Carbell joins the executive leadership team as Senior Vice President, Individual Insurance, overseeing product development, distribution, marketing and client service for the line of business. With more than 20 years' experience, Donna brings a wealth of cross functional industry knowledge to Equitable Life. 
    
   Donna is passionate about supporting the health and wellness of Canadians and it is through the insurance and service we offer, that we provide support to families when they need it most during a health event. Donna is looking forward to working closely with our partners to support all aspects of delivering a best-in-class experience for you and your clients.