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  1. Changes to Short Term Disability Benefit Calculations The Canada Employment Insurance Commission and Canada Revenue Agency have announced the 2022 changes to Maximum Insurable Earnings, and premiums for employment insurance. These changes take effect January 1, 2022.
     
      2021 Amount As of Jan. 1, 2022
    Maximum Insurable Earnings (MIE)
         		 $56,300 $60,300
    Maximum Weekly Insurable Earnings (MWIE)
         		 $1,083 $1,160
    EI Benefit
    (55% of the MWIE, rounded to the nearest dollar)    		 $595 $638
     
    How does this affect your clients?
     
    If your client’s Group Policy with Equitable Life includes a Short Term Disability (STD) benefit which is tied to the EI Maximum Weekly Insurable Earnings, and at least one classification of employees has less than a $638 maximum, then to comply with the provisions of their policy, their STD benefit will be revised with the maximums updated based on the percentage of EI Maximum Weekly Insurable Earnings shown in their policy.
     
    The additional premium for any increase from their previous STD amounts and new STD amounts will be show on their January 2021 Group Insurance Billing (as applicable).
     
    If their STD maximum is currently higher than $638 or based on a flat amount (not based on a percentage or regular earnings), no change will be made to their plan unless otherwise directed.
     
    If your clients wish to provide direction regarding revising their STD maximum, or have questions about the process, they can email Kari Gough, Manager, Group Quotes and Issue.
  2. Individual Insurance product enhancements

    Equitable Life has exciting product enhancements that will help you offer more options to clients. 

    Watch 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.

    - Full Product Launch Video (approx. 20 minutes). 
    - Introduction video (View on Vimeo) / Product launch page 


    Highlights of the product changes effective February 12, 2022, include:

     

    NEW! 10 pay premium option with Equimax Estate Builder®

    - The new EquiLiving® 20 pay rider options will be available on Equimax® plans


    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 …

    New Illustration software available on February 11, 2022 
    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 Get ready to make 2022 your best year yet for your sales! 

    Please contact your Regional Sales Manager for more information. 
  3. Kickoff to 2023 with Equitable Life and Robert Gignac Equitable Life® is pleased to present Robert Gignac, author of the book ““Rich is a State of Mind”.  Robert will deliver his new “Stop Playing Chess in a PokerStars World” presentation. Robert’s engaging presentation offers examples of what clients (and prospects) are struggling with today and how advisors can take a leadership role by changing from a one-dimensional game (chess) to a multi-dimensional one (poker).
     
    Your hosts, Cam Crosbie, Vice President, Savings & Retirement and Joseph Trozzo, Investment Sales Vice President, MGA, will highlight some of the ways Equitable Life can help make 2023 a great year.
     
    Learn More
     

    Posted: December 23, 2022

     

    Continuing Education Credits
    This webinar has been submitted for continuing education (CE) approval with the Insurance Council of Manitoba and Alberta Insurance Council for all provinces excluding Quebec. Upon approval, you will be sent an email notification to come back to the webinar presentation console to download your personalized certificate from the tool bar. To be eligible for CE credits, you must register individually, watch the webcast in full and complete a short quiz. This webcast is available in English only.
     
    ® denote a registered trademark of The Equitable Life Insurance Company of Canada
     
  4. Cloud DX, Signs Contract with Heart Centre Our partner, Cloud DX, has signed a 3-year contract with an Ontario hospital to help put patients with congestive heart failure at ease.

    Cloud DX’s digital health platform works to improve healthcare delivery, provide better care outcomes, and lessen the burden on our national healthcare system. Now, an Ontario heart centre will use the Cloud DX platform to improve its patient monitoring services.

    Cloud DX is a value-added service for Equitable Life’s Critical Illness claimants. Cloud DX delivers clinical grade hardware directly to the client so that they can remotely monitor the client’s vitals to help ensure they stay on the road to recovery*.

    To learn more about our partnership with CloudDX, click here or contact your local wholesaler.
     







     
     Watch our video on YouTube or Vimeo!


    *Cloud DX is a non-contractual benefit and may be withdrawn or changed by Equitable Life® at any time. To be eligible for the Cloud DX offering, a claimant must be age 12 or older and have received payment on or after February 12, 2022 for a covered critical condition benefit under an individual critical illness insurance policy issued by Equitable Life. An early detection benefit payment does not qualify. Equitable Life pays for 6 months of Cloud DX subscription fees. If the claimant wishes to continue the Cloud DX service after 6 months, they will be responsible for the cost. The claimant must supply their own device to connect to Cloud DX app– a laptop, tablet or cellphone.  As well, the claimant needs to supply their own data or internet service.
     
    ® and TM denote trademarks of The Equitable Life Insurance Company of Canada.
  5. Equitable Life webcast series presents Mackenzie Investments featuring Arup Datta


    Arup will discuss Equitable Life® Mackenzie Emerging Markets Fund Select along with the fund's people, philosophy, process and performance. 

    Join your host, Cam Crosbie, Vice President, Savings and Retirement, and Arup Datta, MBA, CFA, Senior Vice President, Head of the Global Quantitative Equity Team for Mackenzie Investments.

     

    Learn More


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    Equitable Life continues to spotlight various aspects of our competitive fund lineup and product offerings. This series gives advisors an opportunity to: 
    •  learn more about products and product features, 
    •  hear from industry professionals, 
    •  learn about investment strategies; and so much more. 


    Continuing Education Credits
    This webinar has been submitted for continuing education (CE) approval with the Insurance Council of Manitoba and Alberta Insurance Council for all provinces excluding Quebec. Upon approval, you will be sent an email notification to come back to the webinar presentation console to download your personalized certificate from the tool bar. To be eligible for CE credits, you must register individually, watch the webcast in full and complete a short quiz. This webcast is available in English only.

    ® denote a registered trademark of The Equitable Life Insurance Company of Canada
  6. Equitable Life Webcast Series featuring Equitable Life Dynamic Asia Pacific Equity Fund Select


    Benjamin Zhan and Bruce Zhang will discuss the Equitable Life Dynamic Asia Pacific Equity Fund Select along with the fund's people, philosophy, process and performance. 

    Equitable Life® continues to spotlight various aspects of our competitive fund lineup and product offerings. This series gives advisors an opportunity to:
    •  learn more about products and product features,
    •  hear from industry professionals,
    •  learn about investment strategies; and so much more.

    Join your host, Joseph Trozzo, Investment Sales Vice President, MGA, Equitable Life of Canada along with Dynamic Funds. 

     

    Learn More

    speakers.jpg



    Continuing Education Credits
    This webinar has been submitted for continuing education (CE) approval with the Insurance Council of Manitoba and Alberta Insurance Council for all provinces excluding Quebec. Upon approval, you will be sent an email notification to come back to the webinar presentation console to download your personalized certificate from the tool bar. To be eligible for CE credits, you must register individually, watch the webcast in full and complete a short quiz. This webcast is available in English only.

    ® denote a registered trademark of The Equitable Life Insurance Company of Canada
    Posted May 31, 2023
  7. Join us for an Equitable Life Master Class webcast featuring Daryl Diamond, Dynamic Funds

    Building Your Business in the Retirement Income Market featuring Daryl Diamond, Chief Retirement Income Strategist, Dynamic Funds 

    You’re invited to our next Equitable Life Master Class webcast offering compelling topics and unique ideas from leading experts to help you manage and grow your business. 

    Daryl Diamond is an author, educator and sought-after speaker on how clients can achieve the greatest security and satisfaction during the retirement years. 


    In this Master Class, Daryl Diamond will discuss how the last four years have been extremely challenging for retirees, pre-retirees and for the advisors who service them. He will focus on key aspects of retirement income planning from the perspective of: 

    • delivering and sustaining tax-efficient income, 

    • managing high inflation, 

    • investing in volatile markets, and 

    • navigating high interest rates. 


    Learn more


    Posted October 11, 2023

    Continuing Education Credits 

    This webinar has been submitted for continuing education (CE) approval with the Insurance Council of Manitoba and Alberta Insurance Council for all provinces excluding Quebec. Upon approval, you will be sent an email notification to come back to the webinar presentation console to download your personalized certificate from the tool bar. To be eligible for CE credits, you must register individually, watch the webcast in full and complete a short quiz. This webcast is available in English only. 



    ® denote a registered trademark of The Equitable Life Insurance Company of Canada
  8. Take the helm in 2024 with insights from leading investment experts

    Find out what our panel of leading investment experts are saying about the markets and how they are positioning their portfolios. Learn about the themes and forces driving markets and where there are opportunities.
     

     

    • •  Equitable Asset Management Group - Dave Irwin, AVP, External Fund Management.

    • •  Fidelity Investments - Ilan Kolet, Institutional Portfolio Manager, Global Asset Allocation (GAA) Group.

    • •  Franklin Bissett (ClearBridge) Investment Management - Les Stelmach, Senior Vice President, Portfolio Manager.

    • •  Mackenzie Bluewater Team - Shah Khan, Vice President, Portfolio Manager.

    Cam Crosbie, Executive Vice-President, Savings & Retirement will highlight some of the ways Equitable can help make 2024 a great year. We’ve got everything you need and more!
     
    Learn more!
     
     

    Posted January 3, 2024 

    Continuing Education Credits
    This webcast has been submitted for continuing education (CE) approval with the Insurance Council of Manitoba and Alberta Insurance Council for all provinces excluding Quebec. Upon approval, you will be sent an email notification to come back to the webinar presentation console to download your personalized certificate from the tool bar. To be eligible for CE credits, you must register individually, watch the webcast in full and complete a short quiz. This webcast is available in English only.
     
    ™ and ® denote trademarks of The Equitable Life Insurance Company of Canada
  9. Join us for an Equitable Life Master Class webcast featuring Dr. Ryan Murphy, Morningstar

    You’re invited to our next Equitable® Master Class webcast offering compelling topics and unique ideas from leading experts to help you manage and grow your business.

    Just asking clients what their goals are may not be enough. Clients may respond in ways that seem reasonable but might not represent the goals that are truly important to them.

    In the Behavioural world, this is known as ‘thinking blind spots’ and stems from behavioural biases we all have. The blind spots can prevent clients from expressing their true goals to you and lead to a plan that doesn’t accurately represent their preferences and motivations. 

    Join us for an informative discussion led by Dr. Ryan Murphy, head of Morningstar’s global Behavioural insights in how you can get clients past their thinking blind spots.
     

    Learn more

    Continuing Education Credits
    This webinar has been submitted for continuing education (CE) approval with the Insurance Council of Manitoba and Alberta Insurance Council for all provinces excluding Quebec. Upon approval, you will be sent an email notification to come back to the webinar presentation console to download your personalized certificate from the tool bar. To be eligible for CE credits, you must register individually, watch the webcast in full and complete a short quiz. This webcast is available in English only.

    ® or ™ denotes a registered trademark of The Equitable Life Insurance Company of Canada. 

    Posted February 1, 2024
  10. Feel confident and at ease with Cloud DX

    We’re making it easier for clients to access our Cloud DX services


    At Equitable®, our clients are our top priority. As part of this commitment, EquiLiving® Critical illness claimants can choose to have Cloud DX virtually monitor their vitals while they recover. This includes receiving tailored medical grade devices and six months of continuous virtual care monitoring.

    Empowering our clients
    We understand that receiving a diagnosis can be overwhelming, leaving clients feeling stressed and uncertain. Our streamlined process helps empower clients to feel more in control of their situation. Clients can feel calm and confident as they focus on their recovery.

    We’ve made the process to access the Cloud DX service easier!

    An Equitable client care specialist will:
    1. Reach out to the client when their claim has been received and explain the Cloud DX services that may help with their recovery. 
    2. Ask if they are interested in being contacted by Cloud DX to learn more and start the service if their claim is approved.
    3. Coordinate the client’s access with Cloud DX. Cloud DX will reach out to the client for an onboarding call

    Learn more

    For more information, please see the Cloud DX and Equitable advisor guide, or ask your Equitable wholesaler for more information.

    Connected Health is a trademark of Cloud Diagnostics Canada ULC. Used with permission. EquiLiving and Equitable are registered trademarks of The Equitable Life Insurance Company of Canada.

    Cloud DX is a non-contractual benefit and may be withdrawn or changed by Equitable at any time. To be eligible for the Cloud DX offering, a claimant must have received payment on or after February 12, 2022, for a covered critical condition benefit under an EquiLiving critical illness insurance plan issued by Equitable. An early detection benefit payment does not qualify.