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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:

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

^® or ^TM denotes a trademark of The Equitable Life Insurance Company of Canada.
[pdf] Taking money out of your RSP?
COVID-19 Group Benefits FAQ
What’s your saving style? 
A TFSA for its flexibility or an RRSP for tax-deferred growth.  

Did you know? More than 65% of people who put money into a TFSA* earn less than $80,000 a year. That’s why TFSAs are popular with middle-income Canadians. They’re simple and flexible: you don’t get a tax break when you put money in, but you don’t pay tax when you take money out. This makes them great for people who don’t get big benefits from tax deductions. 

On the other hand, 54% of RRSP contributors earn more than $80,000 per year*. RRSPs often work better for higher-income earners because contributions lower taxable income. That means bigger tax savings for people in higher tax brackets. 

Here’s the good news: From January 1 to March 2, 2026, when clients open or add money to an Equitable TFSA or RRSP, they’ll be entered into Equitable’s Snowball Your Savings contest. Two winners will be chosen—and their advisors will celebrate too! 

How to Enter 

Advisors can help clients submit contributions through EZcomplete^® or process transactions using EZtransact^®. Every entry is a chance to win! 

Want ideas to boost contributions and help Canadians save more? Connect with your Director, Investment Sales today. 

* Source: advisor.ca/news/tfsas-more-popular-than-rrsps-in-2023/ 
® and ™ denote trademarks of The Equitable Life Insurance Company of Canada.  
Equitable’s Snowball Your Savings contest: No purchase necessary. Contest period January 1, 2026 to March 2, 2026.  Enter by making a deposit to an Equitable Tax-Free Savings Account or Registered Retirement Savings Plan during the contest period or by submitting a no-purchase entry. Two prizes of $5,000 CAD to be drawn on March 23, 2026 will be awarded. The servicing advisor for the contract to which the selected entrants made the deposit is also an eligible winner and will receive a $1,000 CAD prize. For example, if an Equitable client is a winner of the $5,000 prize, the client’s servicing advisor for the relevant contract wins a $1,000 prize.  Open to legal residents of Canada of the age of majority. Odds of winning depend on number of eligible entries received during the Contest Period.  For full contest rules, including no-purchase method of entry, see the full contest rules.  
[pdf] Advisors Edge Insurance for Children Article
About
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.
Equitable Life Group Benefits Bulletin – May 2020
In this issue:
*Indicates content that will be shared with your clients

Easy and convenient digital resources for your clients and their plan members

During this time of physical distancing, people are looking for ways to interact with their providers virtually. We have several convenient digital tools available to make it easier for your clients and their plan members.

For plan administrators:

Plan administrator portal (EquitableHealth.ca)

Our secure portal allows plan administrators to easily manage their plan anytime and anywhere. Instead of printing and mailing forms, they can make real-time updates at their convenience. The site also makes it easy to:
- View or upload forms and other important documents;
- Retrieve billing information;
- Estimate monthly premium costs; and
- View announcements, tips and reminders.
Plan administrators can visit www.equitablehealth.ca to activate their account.

Digital Welcome Kits

Instead of paper kits that can easily get lost or quickly become outdated, plan members receive personalized welcome kits via an interactive email, including instructions on how to:
- Activate their online group benefits account;
- Download their digital benefits card;
- Submit claims from their computer or mobile device;
- Review their coverage details; and
- Explore health and wellness resources.
Easy automated payments

Automated payments are a convenient way to avoid missed payments, suspended claims and disruption. Plan administrators simply complete the pre-authorized debit form and send to GroupCollections@equitable.ca. Or contact Group Collections about online banking and electronic funds transfer (EFT).

We can help

For assistance, plan administrators can contact their Client Relationship Specialist or our Web Services team at 1.800.265.4556 ext. 283 or groupbenefitsadmin@equitable.ca.

For plan members:

Plan member portal (EquitableHealth.ca)

By logging into EquitableHealth.ca, plan members have secure 24/7 access to their personalized Group Benefits account. They can:
- View and submit claims;
- Review their coverage details; and
- Access health and wellness resources.
Electronic claims payment and notifications

Once plan members have activated their Group Benefits account on EquitableHealth.ca, they can easily set up receiving their claim payments via direct deposit, and their claim notifications via email.

EZClaim Mobile App

Submitting claims is fast, easy and secure with the Equitable EZClaim® mobile app for iOS and Android devices. Plan members can view and submit health and dental claims and review their coverage details.

Digital Benefits Cards

Instead of digging through their wallets, plan members can download a digital version of their benefits card to their mobile device.

We can help

We’ve created a video guide to help plan members access and use their digital resources. For further assistance, plan members can contact our Web Services team at 1.800.265.4556 ext. 283 or groupbenefitsadmin@equitable.ca.

Alberta government delaying biosimilar initiative

As we announced in the February 2020 issue of eNews, the Alberta Biosimilar Initiative will require patients using several originator biologic drugs to switch to a biosimilar in order to maintain coverage through their Alberta government sponsored drug plan.

Due to the increased demands the COVID-19 pandemic is placing on healthcare providers, the Alberta government has postponed the switching requirement. Affected patients will now have until January 15, 2021 to switch to the biosimilar version of their drug in order to maintain provincial coverage.

We continue to investigate appropriate options to help ensure this provincial change does not unreasonably impact Equitable Life groups and patients and will keep you informed.
For more information about the Alberta Biosimilars Initiative, consult the Alberta government website.

Yukon increasing Insurance Premium Tax

The Yukon Government has announced that it plans to increase its Insurance Premium Tax rates effective January 1, 2021. The premium tax rates for group life and accident and sickness insurance are expected to increase from 2% to 4%. The new tax rates will be applied to premiums paid on or after January 1, 2021.

Manitoba and New Brunswick relaxing drug limits

In order to protect the drug supply during the COVID-19 crisis, residents of most provinces were temporarily limited to receiving a 30-day supply of drugs when filling a prescription. Normally, doctors prescribe a 90-day supply for most maintenance-type drugs.

The Government of Manitoba and the Government of New Brunswick are now relaxing this 30-day limit for prescription drugs where shortages do not exist. They will address potential shortages of specific drugs if necessary.

As the situation continues to evolve, there may continue to be changes to provincial legislation and prescription limits. Plan members should speak to their pharmacist for the most up to date information.

Free guide to accessing virtual healthcare

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

As we announced previously, we’ve made it easier for plan members to find the information they need using our Guide to Accessing Virtual Healthcare. 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 are covered by public health plan, so there’s no cost to the patient to access them if they provide their valid provincial health card.
We will continue to update the Guide as more virtual healthcare providers and services become available.

The Guide is available on both EquitableHealth.ca and Equitable.ca.

Homeweb for plan members who are losing coverage

We know these are difficult times for Canadian employers and their employees. As businesses temporarily suspend operations, some employers have had to make the difficult decision to temporarily lay off employees or put their benefits coverage on hold.

That’s why we were pleased to announce that Homewood Health^® and Equitable Life will extend access to Homeweb, a personalized online mental health and wellness portal, for up to 120 days for plan members who have temporarily lost their benefits coverage due to COVID-19.

Employees and their family members will continue to have access to the Homeweb website and mobile app, including:
- iVolve, online self-directed Cognitive Behavioural Therapy;
- Resources to support themselves and their family members through the COVID-19 pandemic;
- An interactive online Health Risk Assessment; and
- An online library of tools, assessments and e-courses.
This will allow businesses undergoing financial hardship to provide some support to employees who are temporarily without benefits coverage.
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.