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1. Changes to the PMPRB

   Earlier this month, the Government of Canada announced the final amendments to the Patented Medicines Regulations. These changes will impact how the Patented Medicine Review Board (PMPRB) sets the ceiling price for patented drugs and evaluates if the price of a drug reflects the value it has for patients. The intent of these updates is to enable the PMPRB to more effectively protect Canadians from excessive patented drug prices.

   These changes do not come into effect until July 1, 2020. Finalizing the guidelines and consultation with stakeholders will occur leading up to this date. It is yet to be determined which drugs will be included in the final guidelines. It is anticipated the guidelines will initially focus on drugs launched shortly prior to and after July 1, 2020.

   Equitable Life supports the modernization of the PMPRB and the ongoing need to evolve drug plan management tools in order to support the health of Canadians and drug plan affordability for public and private payers.

   If you have any questions, please contact your Group Account Executive.

2. EZcomplete Non-Face-to-Face enhancement

   
   An EZ way to conduct your out-of-town business

   You asked for it, we built it: a solution for your non face-to-face business. EZcomplete^® allows you to conduct your non face-to-face business easily and quickly with your clients providing their signature remotely on their own device.

   How does it work?

   EZcomplete walks you through the electronic signature process. EZcomplete allows your clients to sign remotely using their own device for non-face-to-face applications. You only need to enter their email address and provide them with a secret passcode to securely access the documents to review and sign.

    Just another reason to do business with Equitable Life^® 

   EZcomplete makes it easy to process your non-face-to-face applications and do business with Equitable Life. 

   Login to EquiNet® and click on the EZcomplete icon on the menu bar

    

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

3. Equitable Life creates guide to accessing virtual healthcare at no cost

   With many health clinics closed and the healthcare system under strain, people are looking to access a doctor and other health providers virtually.

   To make it easier for plan members, we’ve created the Guide to Accessing Virtual Health Care Services on the plan member section of EquitableHealth.ca. This online resource provides information about and links to a range of virtual health services they need to take care of their health and the health of their family during these challenging times.

   The Guide also indicates which services can be accessed for free. In some provinces, online doctor visits are now covered by the public health plan, so there’s no cost to the patient to access them as long as they provide their valid provincial health card. In other provinces, the nominal fee can be claimed on a Health Care Spending Account.

   We will continue to update the Guide as more virtual healthcare providers and services become available.

   View our Guide to Accessing Virtual Healthcare

4. We hear you. Equitable Life was ranked #1 for overall segregated funds service performance*. Each year, Life Ops Consulting Group conducts an independent survey of financial advisors to find out
   how satisfied advisors are with the service they receive from life insurance companies in Canada. Since 2015, Equitable Life^® has received top marks in overall segregated funds service performance, new business processing, fund/policy statements and post-sales service.
   
   Equitable Life was ranked #1 for overall segregated funds service performance^*
   
   We would like to take this opportunity to thank each of you that took the time to participate in this survey. We are proud of the service that we provide and are committed to listening to what advisors want and need to run their business. We work hard to earn your trust and will do what it takes to keep it.
   
   Thank you.
    

   * Life Ops Consulting Group Distribution Service Satisfaction Survey 2019
   ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.

   
    
5. Equitable Life offers more than 60 years of RSP innovation

   
   In 1957, Equitable Life® began offering a Retirement Savings Plan (RSP). That is more than 60 years of RSP innovation in the Canadian marketplace. Today, Equitable Life offers two great accumulating RSP products to meet your clients’ needs.

   • Pivotal Select^TM Segregated Funds

   • Guaranteed Interest Accounts

   These products provide both protection and flexibility for your clients. They also provide the tax savings and benefits of an RSP. Get your clients to start saving to their RSP now. Make RSP contributions a financial priority each year. 
   
   This year’s RSP deadline is March 1, 2022. This will be the last day that an RSP deposit can reduce your clients’ 2021 taxable income.
   
   If your client is looking to convert registered savings to guaranteed income, click here to learn more about Equitable Life’s payout annuity options.
   
   Need additional support? Contact your local Regional Investment Sales Manager today.

6. Short and long-term income solutions from Equitable Life
   Do you have clients without a company pension plan, close to retiring and worried about outliving their savings? Have you talked to them about annuities? Maybe it’s time you did. 
    
   A payout annuity from Equitable Life® provides regular guaranteed income in retirement. Your clients can choose from
    
   • Life Annuity – guaranteed income for life
   • Joint Life Annuity – guaranteed income for two lives
   • Term Certain – guaranteed income for a specific period of time (5 to 30 years)
   • Term Certain to Age 90 – guaranteed income until age 90
    
   There’s no need for your clients to worry about stock market fluctuations or changing interest rates, what better time to add an annuity to your client’s retirement savings strategy.
    
   Payout annuities are an excellent solution for
   
    
   • Converting your savings into retirement income
   • Covering predictable fixed monthly expenses
   • Providing lifetime income
    
   For more information on payout annuities, please click here.
    
    
7. Anytime. Anywhere! Equitable Client Access
   At Equitable Life®, we know that managing your clients’ requests can keep you busy. We also know providing the opportunity for your clients to self-serve can allow you to focus on their future. That’s why our online client site, Equitable Client Access ensures your clients have all the information about their individual investment and insurance policy information that they need, right at their fingertips.
    
   Our secure client site gives your clients access to:
    
   • Tax Slips *NEW*
   • Coverage and guarantees
   • Investment allocation, performance, and market values
   • Pre-authorized payment information
   • Transaction history
   • Beneficiary information
   • Statements and letters
   • Advisor’s contact information
   • Banking or payment information  

   
   Sign up by December 31, 2021.
   
   Encourage your clients to login or register today!   
   client.equitable.ca

    
   If you have any questions about Equitable Client Access, we are here to help. Contact us Monday to Friday from 8:30 a.m. to 7:30 p.m. at 1.866.884.7427.
   
   ® and ^TM denote trademarks of The Equitable Life Insurance Company of Canada
8. The new segregated fund EZcomplete cloning feature will save time and errors.

    

   The new cloning feature for Savings & Retirement EZcomplete^® applications means that advisors don’t need to enter the same client information when completing multiple applications for the same client. 

    

   Here's how easy it is to use.

   

   Best of all, you can clone in progress and submitted applications.
   
   This is just some of the information that will be automatically copied:

   • Name

   • Date of birth

   • Gender

   • Occupation

   • Address

   • Phone numbers

   • Email address

   • Social Insurance Number

   • All beneficiary information

   
   The new EZcomplete cloning feature will save advisors time and reduce errors.

    

             
   
                                                                     
    

    

   If you have any questions, contact your Regional Investment Sales Manager

   
   ® denotes a trademark of The Equitable Life Insurance Company of Canada.
   Posted April 6, 2023
9. Equimax® Participating Whole Life – A whole life solution for everyone Recently, we made some exciting changes for Equimax Estate Builder^® and Equimax Wealth Accumulator^®.
   
   These enhancements, launched in February, make Equimax the preferred solution for clients and their families. In particular, buying a whole life solution for children gives them a head start for tomorrow. Life insurance on a child gives them:
   - Permanent insurance at children’s rates
   - A stable tax-advantaged investment option
   - A boost in financial planning
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   Watch our new Equimax for Children video to learn more. View on Vimeo or YouTube.
   
   Plus, visit our Equimax product page on EquiNet^®, then click on the Marketing Materials tab for the latest Equimax marketing materials.
   
   Need more information? Please contact your local wholesaler.
    

   _{^® denotes trademarks of The Equitable Life Insurance Company of Canada.}

10. The Equimax EVOLUTION Continues Earlier this year, we announced a host of improvements to our Equimax^® Participating Whole Life solution, designed to add value, flexibility, and affordability to an already excellent plan. 
    
    Today we’re pleased to announce the following additional updates took effect on August 12^th, 2023: 
    1. Targeted improvements in rates, death benefits, and cash values for Equimax Estate Builder and Equimax Wealth Accumulator plans. 
    2.  New joint last to die rates for the Wealth Accumulator plans to align with Estate Builder. 
    3.  A new “rated age” calculation, and
    4.  New rates for determining the maximum enhancement amount with the Enhanced Protection dividend option.
    
    Visit our splash page and watch our informative video to learn more and start selling the enhanced Equimax today.
    
       
    
    Refer to our Transition Rules for all the details on processing your applications.
    
    
    Our illustration tools are updated:
    ●  New Web-based illustration software on secure EquiNet^® (log in required)
    ●  New Desktop illustration software 
    ●  New EZstart™ on EquiNet 
    
    Need more information?
    For information on these changes, please contact your Equitable Life wholesaler. 
    
    
    ^® and ^TM denote trademarks of The Equitable Life Insurance Company of Canada.