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1. 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.

2. 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.
    
3. Manage more details within Contract Delivery for New Business applications We are excited to announce further enhancements to our eDelivery process to empower you, the advisor, the ability to manage client details more easily within Contract Delivery.
   
   Effective January 15, 2022, advisors will need to create a Password within Contract Delivery when choosing “eDelivery” as the contract delivery method and provide the password to the client to use as their password:
   
   The Password must be between 4 and 100 alpha/numeric characters, and cannot be the Policy number. For multiple signers the password (and email address) must be unique per each signer.
   
   Advisors can now edit and/or update an email address within Contract Delivery, in the event of a bounce back or email change, to keep the eDelivery process moving and avoid delays in processing time. If a lock out occurs, advisors can trigger a resend of the signing email once they add a new valid email address in Contract Delivery. Simply click the pencil icon beside the Email field to enter the valid email address:
   

   Another new feature- in the event a client has declined, the advisor will get an email from Equitable Life^®. Click through to EquiNet^® within the email to view the message within Contract Delivery that the client provided as the reason for decline under a new “Declined Details” section. This enables you to connect with the client to proceed with the sale by discussing the reasons for decline with them directly.

   Also new for clients with this enhancement, policy owners of a policy created after January 15 will be able to see a PDF copy of their policy within client access. Note: this PDF copy is as the policy was originally issued.
   
   Resources: 

   • eDelivery of a Contract - New Business
   • eDelivery FAQ
4. 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. 
   
   View our press release announcing Cloud DX and Equitable Life’s partnership, and watch our video featuring Donna Carbell, Senior Vice President, Individual Insurance.

   • Frequently asked questions
   *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.
5. Give clients guaranteed retirement income with Payout Annuities
   With increased market volatility and interest rates higher than we have seen for much of the past decade, now is a great time to consider payout annuities. Payout annuities can provide regular guaranteed income regardless of how markets perform. 
    
   Clients using only a Systematic Withdrawal Plan (SWP) for retirement income are potentially vulnerable during times of market volatility due to the sequence-of-returns risk.¹ When markets are down, more units are redeemed to cover income needs. When markets later rise, clients are not able to participate fully in the recovery because more units were redeemed to provide income. That is why having a guaranteed income component, like a payout annuity, as part of an overall retirement strategy is so important.
    
    
   Two great reasons to consider Equitable Life® for your payout annuity business:
   
   1. Choose from a variety of payout annuity options including:
      
        A. Life Annuity – guaranteed income for one life
        B. Joint Life Annuity – guaranteed income for two lives
        C. Term Certain – guaranteed income for a specific period of time (5 to 30 years)
        D. Term Certain to Age 90 – guaranteed income until age 90
   
   2. Attractive rates, particularly in Registered and Term Certain Annuities
   
   
   
   For more information, please contact your Equitable Life Regional Investment Sales Manager.
    
    
   ¹Sequence-of-returns risk, or sequence risk, is the risk that an investor will experience negative portfolio returns very late in their working life and/or early in retirement.
    ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
6. 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. 
7. 2023 is here and we are here for you! Equitable Life^® would like to wish everyone a Happy New Year and we are looking forward to doing more business together in 2023!
   Just a reminder, we made some changes in 2022 to make doing business with Equitable Life easier. Some of the most recent enhancements include:
   
   Opt in for text messages on new applications
   ● Upon submission of an application, you can opt-in to receive text message updates for your new business applications. That’s a text message when the application is received, when a decision is made, when it’s ready for delivery and when the commissions have been triggered.
   
   Cloning pages on EZcomplete^®
   ● You now have the ability to clone an application on EZcomplete. A whole family or a spouse can have a lot of duplicate information and the ability to clone an application can save tremendous amounts of time and make for a much more pleasant client experience.
   
   Jump around on EZcomplete
   ● Jump from one part of the application to another and back again. You no longer have to complete the application one section after another in order. This will allow a lot more flexibility when submitting a policy application.
   
   To learn more about these great enhancements contact your local wholesaler.
   
   Continue watching for news from Equitable Life for more great launches and enhancements in 2023!
    
   
   _{^® and ^TM denote trademarks of The Equitable Life Insurance Company of Canada.}
    
8. 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.
9. New Dividend Scale Effective July 1, 2023! Equitable Life’s Board of Directors has approved a change to the dividend scale* for the period July 1, 2023, to June 30, 2024.
   
   - The interest rate we use for the dividend scale will go from 6.05% to 6.25% on July 1, 2023.
   - Other factors used to decide the dividend scale will stay the same.
   - The interest rate for participating whole life policies with dividends on deposit will stay the same at 2.25%.
   - The policy loan interest rate** will go from 6.20% to 6.50% on June 30, 2023
   
   More good news!
   Once the next dividend scale year starts, we expect policyholder dividends to be close to $105 million until the end of June 2024.
   
   Learn more
   - Advisor Dividend Scale Notice
   - Client Dividend Scale Notice
   - Dividend Information Page
   
   
   
   
   Did you miss our virtual Spring Update & 2023 Dividend Scale Announcement? Watch it now:
     
   (*The French and Chinese events will be partially in English, with sub-titles on screen).
    
   
   TOGETHER – Protecting Today – Preparing Tomorrow™
   As a MUTUAL we provide financial security DIFFERENTLY by focusing exclusively on our CLIENTS.
   
   *Dividends are not guaranteed and are paid at the sole discretion of the Board of Directors. Dividends may be subject to taxation. Dividends will vary based on the actual investment returns in the Participating Account as well as mortality, expense, lapse, claims experience, taxes, and other experience of the participating block of policies. Changes in the dividend scale do not affect the guaranteed premium, guaranteed cash values, or guaranteed death benefit amount.  A copy of Equitable Life’s Dividend Policy and Participating Account Management Policy can be found on our website at www.equitable.ca.
    
   ** This applies to all new and active policy loans, including automatic premium loans. This change is for Equimax^_® policies that have a 9-digit policy number beginning with a “3” or an “8”. Some older policies may have other loan rates as they are based on the prime interest rate.
10. Making it easier to claim for Loss of Independent Existence for EquiLiving Critical Illness insuranc We have recently changed the definition of Loss of Independent Existence (LOIE). As a result, the Critical Illness claim criteria has also changed. Before, EquiLiving^® Critical Illness insurance coverage was issued with a definition of LOIE that required clients to have the total inability to do 3 of 6 Activities of Daily Living (ADLs). Now, clients will only need to give us proof of the total inability to do 2 of 6 Activities of Daily Living (ADLs) to submit a claim for LOIE. 
    
    This change makes it easier for clients to claim for this covered critical illness. This change is retroactive to February 2022.
    
    Clients will be sent a notice from us with a personalized endorsement from Equitable Life. This applies to their policy and forms part of their contract. We will approve claims for LOIE as outlined in the endorsement.
    
    LOIE is one of the 26 conditions named as a covered critical illness in an EquiLiving policy or Critical Illness insurance rider on an Equitable Life insurance policy. With a loss of independent existence, some activities of daily living can no longer be done on one’s own. This can happen because of a disease or an injury. 
    
    Want to learn more? See the marketing piece: Understanding the Covered Conditions (1248).  
    
    For more information, reach out to your local wholesaler.
    
    
    ^® denotes a trademark of The Equitable Life Insurance Company of Canada.