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Can’t meet in person? EZcomplete is an EZ way to meet online
Instead of canceling your meeting, why not meet online instead? Our EZcomplete® application makes it easy to process your non-face-to-face applications and do business with Equitable Life.
EZcomplete is available on Pivotal Select™ segregated funds and all life products – Term, Whole Life, CI and Universal Life – and allows for the signing process to change from in-person to non face-to-face at the end of the application, despite how it was started. This gives you and your clients the option to easily and efficiently connect remotely.
How does it work?
EZcomplete gives you the option to conduct your non face-to-face business easily and quickly, enabling your clients to provide their signature remotely on their own device. You simply need to enter their email address and provide them with a secret passcode to securely access the documents to review and sign.
There is no limit on the face amounts or product options and the time to settle is reduced when using the application. It is a flexible, intuitive tool to use, and helps keep business on track now that many clients and advisors are opting for more social distance.
For Life Advisors, please refer to the New Business and Underwriting page on Equinet for details about non-face-to-face delivery. -
Supporting you and your group clients during the COVID-19 pandemic
We know these are challenging times.
As COVID-19 continues to spread, we want to reassure you that we remain ready and committed to support you, your group clients and their plan members.
We have a robust and well-tested business continuity plan in place and have taken the necessary steps to maintain the high level of service you have come to expect from us. Our business is near 100% digital, so the vast majority of our employees are now working remotely from home and are fully functional. 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.
As the situation continues to develop, we know you will have questions about what it means for your clients and their plan members. We have already issued announcements related to Travel Assist coverage for plan members who are outside of the country, and about short-term disability coverage for plan members who are in quarantine or self-isolation. We will continue to provide timely updates as developments unfold.
All of us are facing an unprecedented number of urgent situations where there is no established protocol. Our commitment to you and your clients is to respond quickly, and to be flexible where we can, tailoring solutions to specific needs. The global situation is evolving rapidly; we ask for your patience as our solutions also evolve quickly and accordingly. Your Group Account Executive and myFlex Sales Manager are well equipped to navigate Equitable Life’s experts and to resolve difficulties.
These are extraordinary times and history is in the making. Rest assured that Equitable Life is unwavering in our support, and we will be here to help you when it matters most.
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Mental health support for all plan members
As the COVID-19 pandemic continues, many Canadians are dealing with increased stress and anxiety. Now, more than ever, plan members need easy to access resources to help them cope with these uncertain times.
Through our partnership with Homewood Health®, the Canadian leader in mental health and addiction services, all of our clients and their plan members have access to tools designed to provide guidance and support, including i-Volve, Homewood’s Online Cognitive Behavioural Therapy tool.
Proven therapy, at your own pace
Included with Homewood Online resources in every Equitable Life® plan, i-Volve can help plan members identify, challenge and overcome anxious thoughts, behaviours and emotions. It encourages incremental changes in behaviour and is proven to be an effective therapeutic approach for dealing with mild to moderate anxiety or depression. Plan members work at their own pace through a series of web-based exercises, ultimately helping to change the ways in which they think, feel and react in various situations.
Free for all Equitable Life plan members
All Equitable Life clients and their plan members have access to i-Volve. It’s available 24 hours a day, seven days a week, wherever you choose to access it.
Contact your Group Account Executive or myFlex Sales Manager to learn more about Homewood Health and i-Volve Online CBT. -
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.
Highlights:
● This enhancement will apply to adult single life Equimax Estate Builder and Wealth Accumulator policies where the Owner Signature Date on the application for insurance is June 26, 2021 or after.
● For the term rider to increase the EDO payment limit, it must be issued at the same time as the Equimax coverage.
● Term rider EDO payment limit assumes the term rider is held at least 10 years.
● The illustration system and EZcomplete application will calculate the maximum EDO payment including any increase from a term rider.
● Policies already issued do not qualify.
Full details about the changes can be found in the transition rules.
Who can benefit from this product enhancement?
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.
New Illustration software is now available
The updated illustration software will be available for download after 9 a.m. ET on Friday, June 25, 2021.
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
® denotes a registered trademark of The Equitable Life Insurance Company of Canada. -
Enhancements to ID Verification and Business Forms
We have made enhancements to some of our forms and created an additional form to help make it easier for you to do business with Equitable Life®.
The first enhancement is an update to the ID Verification section to allow for Third Party ID Verification when a client doesn’t want to provide ID documents to an Advisor. They are now given additional options to either use the Alternative Identification requirements, or consent to Equitable Life verifying their identity through a third party service provider. We’ve also clarified in the Advisor declaration that they can’t sign for their own policies as they aren’t able to validate their own ID.
The above changes have been made to the following forms:- 671OC – Ownership Change Form
- 1027 – Additional/Updated Customer Information
- 1616 – Application for Term Conversion
The second enhancement is an update to Business forms. We’ve created a new form, 2004 Signing Authorities Certificate, to help Businesses provide the Signing Authority information needed more easily! Forms 594 and 682ENT have been updated to point to the new Form 2004 and also have new “Ownership structure” requirements added in section 2.
View the below forms for details on these changes:- 2004 – Signing Authorities Certificate (NEW)
- 594 – Business Information Form
- 682ENT – Claimants’ Statement for Entities
® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
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Equitable Life and Cloud DX
We have partnered with Cloud DX to provide remote monitoring for all our EquiLiving® Critical Illness Insurance eligible claimants.*
A Canadian first. Equitable Life’s Critical Illness eligible claimants, will now be supported beyond diagnosis and through treatment and recovery. Equitable Life is proud to announce that it has partnered with Canadian digital health innovator, Cloud DX, to provide a Virtual Monitoring Care service as part of its Critical Illness packages. We are pleased to offer this service on all new and existing EquiLiving coverages.
*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.
View our press release announcing Cloud DX and Equitable Life’s partnership, and watch our video featuring Donna Carbell, Senior Vice President, Individual Insurance. -
The value of Equitable Life’s EZcomplete online application for Pivotal Select
Necessity is the mother of invention. And COVID-19 has taken Equitable Life’s® EZcomplete® online application to the next level. Prior to the pandemic, EZcomplete was touted as being convenient and easy to use. Well, it is. But now…it is so much more.
Whether secure in an office or safe at home, EZcomplete’s non face-to-face capabilities include an alternative to physical verification. EZcomplete simply requires verification of ID using a third-party service provider. The third-party service provider completes the verification behind the scenes using information that was already required to complete an application. By removing the physical ID requirements, the ID verification process has been automated and simplified.
EZcomplete’s electronic signature functionality is also easy and secure. To enable a remote signature, your client just provides an e-mail address. Your client will receive a link and security code that you provide. The client enters the code, reviews the application and e-signs the documents.
Step by step directions ensure you have the right details without any confusing or unnecessary questions. Highlighted fields alert you to any missing information, eliminating any extra work or effort. The immediate processing also helps make it an attractive resource.
Whether selling segregated funds face to face or from the comfort of home, Equitable Life’s EZcomplete online application and Pivotal Select™ segregated fund line up provide the solution for even the most rattled and weary investor. Learn more, visit EquiNet or contact your Regional Investment Sales Manager.
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Updated Temporary Resident Guidelines
We are excited to announce that we have liberalized our Temporary Resident Guidelines.
● The validity period requirement of the supporting documentation for all Temporary Residents has been lowered to three months
● Student Visa holders attending post secondary educational institutions may qualify for a total coverage of $500,000, and – if employed – even for $1,000,000
We will now ask for the following information:
● Information regarding the educational institution and programme for all amounts over $250,000 (typically includes online validation)
● A maximum of $500,000 may be available for students enrolled in professional programmes, as defined in our Student Financial Guidelines (e.g., medical, law, etc.)
● A maximum of $1,000,000 may be available for students who are legally and gainfully employed. For this, we require proof of current employment and the CRA Notice of Assessment for the previous year. Should both be satisfactory, the allowable face amount will be calculated according to the published Work Permit guidelines. If applying for over $500,000, a minimum one-year period after arrival to Canada is required.
● Students enrolled in elementary or secondary school are eligible for a total coverage of $250,000. Exceptions may apply if the parents are insured or applying for minimum $1,000,000. We will confirm the parents’ respective occupations, incomes, and residency statuses
Read more about the details of the changes in the updated Residency Guidelines form 1530.
Please contact your Regional Sales Manager for more information. -
SMS is Available for Individual Insurance Application Updates
If you haven’t opted in to receive your client's application status via text message, give it a try on your next application.
When you submit a client’s application, you can opt-in to receive text message updates for your new business applications. No need to log in to your advisor portal to know exactly what is going on with a case.
Once you opt-in to receive text messages, you will receive short text updates for your new business applications. That’s a text message when:- The application is received,
- Equitable Life has made a decision,
- The policy is ready for delivery, and
- The commissions have been triggered.
In addition to these messages, Equitable Life will continue to send proactive emails detailing outstanding requirements.
Be sure to opt-in to text messages when you complete your next application on EZComplete®.
We’ve recently made a number of changes to make doing business with us easy. Learn more about SMS and other ways we are making it easy to do business with us.
® denotes a registered trademark of The Equitable Life Insurance Company of Canada.