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  1. Extending premium relief for Dental and Extended Health Care benefits

    We know this continues to be a challenging time for Canadian employers and we remain committed to looking for ways to help your clients manage while still supporting their employees.

    Although many health practitioners have re-opened as pandemic restrictions are lifted, plan member use of dental benefits and some health benefits still remains lower than normal in June.

    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 June, as follows:

    • A 25% reduction on Dental premiums; and
    • A 5% reduction on Extended Health Care premiums.

    These reductions are effective for June 2020 and will appear as a credit on the July bill, or against the next available billing. We will assess the situation monthly and will 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 July (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 June 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 have remained 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.

    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. You can also refer to our online COVID-19 Group Benefits FAQ.

  2. Equitable Life Group Benefits COVID-19 Update

    The test of a great partner is one who stands tall when you and your clients need to rely on them most. As the COVID-19 pandemic continues, we thought you might find it helpful to have a summary of where we are during this crisis.

    You can download this PDF version to refer to when meeting with your clients.

    We are here with you and for you

    We’ve taken several steps to support you, your clients and their plan members during this crisis, including:

    • Providing premium refunds for insured, non-refund Health and Dental benefits;
    • Waiving the waiting period for short-term disability claimants who tested positive for COVID-19;
    • Extending out-of-country travel coverage for plan members who were unable to return to Canada;
    • Providing increased flexibility for premium payments; and
    • Keeping you and your clients informed with timely Q&As and announcements, webinars, and insights into the impact of COVID-19 on benefits plans.

    As well, to commemorate our 100th Anniversary this year, we donated $4.5 million to purchase and install a new MRI for Grand River Hospital. And we donated $50,000 – $10,000 each – to five charities in British Columbia, Alberta, Manitoba, Ontario and Quebec. For more information about our celebrations, check out our website at www.equitable100.ca.

    We have adjusted our business to become digital

    Our business is near 100% digital, so the vast majority of our employees are now working remotely from home and are fully functional.  Since the pandemic began, our IT and operations teams have digitally enhanced more than 20 different processes and services to make it easier for us to integrate with our distribution partners in this new reality.

    We pride ourselves on our customer service

    In 2019, our dedication to customer service was recognized with outstanding survey results.

    • In a 2019 survey of customers from 15 life insurance companies,1 Equitable Life ranked #1 on the Net Promoter Score, a measure used across industries to gauge the loyalty of a firm's customer relationships; and
    • A survey of Group consultants, brokers and third-party administrators 2 ranked Equitable Life in the top two insurers across all categories.

    For 2020, we continue to deliver service at the same level with no disruptions during this crisis. Our Customer Care Centre remains open to support plan members and can be reached at 1.800.265.4556. And our Client Relationship Specialists are available for Plan Administrator questions and support.

    We are financially strong and stable

    We remain financially strong and continue to focus on meeting the needs of Canadians. At the end of the first quarter, our Life Insurance Capital Adequacy Test (LICAT) ratio is at 152.5%, well above our goal and the regulatory requirement.

    As the global situation continues to evolve, rest assured that Equitable Life is unwavering in our commitments to you and the communities we serve. We are here with you and for you. Please contact your Group Account Executive or myFlex Sales Manager if you have questions or need assistance.

     

     

    1  LIMRA CxP Customer Experience Benchmarking Program, Life Insurance In-Force Experience 2019

    2 NMG Consulting’s Canadian Group Benefits Survey 2019

  3. MER + TER = FER: what it means for clients
  4. Equitable Now Accepts eSignatures on all documents (Ind. Ins. & S&R)

    View the Guide to completing eSignatures


    What are the benefits?
    ● It’s secure because you no longer need to upload or email documents to us.
    ● It also removes a step in the process for you -  we will get the eSigned documents directly once all signatures are completed and therefore you no longer need to notify us once the documents are signed.
    ● Your documents will be processed quickly and efficiently.

    How does this work?
    ● Including esign@equitable.ca as a non-signing reviewer is the preferred method as it ensures the security embedded documents are accurately and immediately available for Equitable. We will be automatically notified when signing is complete and will download eSigned forms immediately for processing.
    ● If not using esign@equitable.ca we require the original signed form and audit trail with all the security features intact.
    ● The email addresses used to sign must match what is in our file (as provided on the application, for electronic policy delivery or through previous communication). If an email address has changed, or we don’t have an email contact for the signer, we will follow up for confirmation.
    ● We will accept all eSigning Vendors that have the functionality to place the eSignature in the correct signature fields on all applicable documents. If the eSigning vendor does not have the functionality to do this, we cannot accept it. 


     
    ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
  5. Positioning for the Future Over the past few years, we’ve made great progress on our five-year strategic plan. Our Individual Insurance new business sales grew 24% over the previous year, compared to an 8% market growth. We’ve introduced refreshed products, services and technology. Looking ahead, we want to keep our momentum and ensure we also look beyond the next five years. To be successful in this, we’re making some changes to our current structure.

    We’re pleased to announce that Martin Reeves has been promoted to Executive Vice-President, Individual Insurance. Martin has served in key positions during his time at Equitable including Vice President, Actuarial and Finance and most recently as Head of Individual Insurance Business. Martin is a talented leader. His 20 years of industry experience spans the globe having served in leadership positions in Canada, Hong Kong and Malaysia. His passion for delivering leading insurance solutions to Canadians has been instrumental to Equitable’s recent success. Martin will join Equitable’s executive team and will report to Fabien Jeudy, Chief Executive Officer.  

    Martin steps into this role as Donna Carbell accepts a new position as Executive Vice-President, Chief Strategy and Impact Officer. Donna will remain on the executive team and continue to lead Equitable’s brand and impact efforts. Donna will add Equitable’s corporate strategy to her accountability, overseeing the company’s strategic initiatives. These initiatives support our aspirations of becoming fully driven by client outcomes in a way that is simple, safe and rewarding for our clients, partners and employees. We would like to thank Donna for her incredible leadership of the Individual Life business these past several years.
  6. Understanding segregated funds and their benefits
  7. Did you know that you can generate a report detailing all or some of your client’s investment policy
    This can be a great tool when meeting to review your client’s account.

    This easy to read PDF gives you and your client some, or all, of the pertinent policy information to discuss overall investment goals. The reporting tool also allows you to exclude any “Advisor only information” sections. With active links to fund pages, you can even review risk ratings, calendar and compound returns.

    Generate the report just prior to your meeting to ensure the most up-to-date information is available to your client. Located in the top right corner of your client’s policy page on EquiNet®, it also makes a great takeaway or follow up for your client before or after your meeting. 
  8. December 30 Deadline for 7% No Load CB5 Initial Commission for Investment Class (75/75)

    As the end of year approaches, so does the temporary increase to our CB5 sales option initial commission from 5.6% to 7.0% on Pivotal Select™ Investment Class (75/75). The 7% initial commission promotion will end on December 30, 2022.*
     

    • Deposits and transfers to CB5 funds for Pivotal Select Investment Class (75/75) must be made by December 30, 2022, at 11:00 a.m. ET. Any deposits received after this date will not receive the promotional rate.
    • Applications submitted before the December 30, 2022, deadline will only receive the promotional rate if also funded before December 30, 2022.
    • If the client is awaiting a transfer from another financial institution, please follow up with the institution to ensure the transfer arrives by December 30, 2022.

     
    For more information, please contact your Equitable Life Regional Investment Sales Manager.
     
    * Equitable Life reserves the right to end the campaign, at any time and without notice.
     
    ™ or ® denote trademarks of The Equitable Life Insurance Company of Canada.

    November 24, 2022

  9. Now is a great time to look at bonds Bonds have a place in every investment portfolio. They help preserve capital and they offer predictable income. They help diversify portfolios and offer protection from both inflation and a volatile stock market.
     
    Over the past few years interest rates have been rising, which has created a great opportunity for bonds and bond funds. Rising interest rates have lowered the price of existing bonds and increased both the coupon rates for new bonds and yields on existing bonds. Plus, rising rates also create opportunities for capital gains if interest rates fall.
     
    Pivotal Select™ offers four great bond funds to help you diversify client assets. Three of the funds cover North American bonds, and one has a global focus. Learn more about these funds by visiting Equitable’s Fund Overview and Performance website.
     
    To learn why now might be the right time to revisit bonds for clients’ portfolios and more information about our funds, please contact your Director, Investment Sales.
     
    Also, if you missed the Equitable webcast, “Is it time to revisit bonds?” catch up On-Demand.

    Date posted: May 16, 2024
  10. [pdf] Three steps to packaging large cases for success