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Let’s “Talk Money”: From first savings to retirement income
Financial Literacy Month may be ending, but the conversation shouldn’t.

Talking with an advisor helps normalize money conversations— including discussions on saving, spending, managing debt, and more. This can help clients feel better and make smarter financial choices. As an advisor, you can guide clients from their first savings through to retirement with Equitable^®.

Starting out? Clients can consider:
Tax-Free Savings Account (TFSA)
Save for short- or long-term goals and take out money anytime, tax-free.

First Home Savings Account (FHSA)
Save up to $40,000 tax-free for a first home. Contributions may be tax-deductible, and withdrawals are tax-free for buying a qualifying home.

Growing wealth? Clients can consider:
Registered Retirement Savings Plan (RRSP)
Contributions may be tax-deductible. Good for long-term savings—money grows tax-free until retirement.

Guaranteed Interest Account (GIA) / Daily Interest Account (DIA)
Earn steady interest with flexible terms. Available in a TFSA, RRSP, and FHSA.

Retirement ready? Clients can consider:
Payout annuities
Guaranteed income for life or a set time. Helps make sure savings last.

Resources to support these conversations

Use our easy online tools: EZcomplete^® to apply and EZtransact™ for transactions. Let’s help Canadians save smarter—one step at a time. When we work together, success is mutual.

Reach out to your Director, Investment Sales if you have questions.
[pdf] Harnessing the power of your cash value
Compensation Inquiry
Equitable Life Group Benefits Bulletin - July 2021
In this issue:
*Indicates content that will be shared with your clients

Fabien Jeudy takes over as President and CEO*

In March, we announced that Fabien Jeudy was appointed as Equitable Life’s next President and CEO. Jeudy officially took over on July 5^th, succeeding Ronald Beettam, who is retiring after 16 years with the company.

Jeudy is a collaborative leader with more than 30 years of experience in the insurance industry, leading actuarial, finance, risk management, distribution, marketing teams and operational teams in the Life & Health Insurance, Wealth Management and Group Benefits markets in Canada, the US, and Asia.

Reminder: Equitable Life’s Guide to Accessing Virtual Healthcare*
The demand for virtual healthcare services has increased as the pandemic is driving more people to access their health care providers from home.

Thankfully, many virtual healthcare services are available for free to Canadians with provincial health care coverage. We have created a Guide to Accessing Virtual Healthcare for plan members to easily access a variety of virtual healthcare services. Our guide includes information and links to both free and paid virtual medical care options, including video appointments, health advice over the phone, emergency dental services, and more.

You can find the guide on our website. It’s also available on our plan member website at EquitableHealth.ca.
Mental health resources for plan members*
Many Canadians have been experiencing increased levels of stress, anxiety, and depression since the beginning of the COVID-19 pandemic. Through our partnership with Homewood Health^®, all of our clients and their plan members have access to a number of health and wellness resources designed to provide guidance and support.

Homewood’s Online Cognitive Behavioural Therapy tool, i-Volve, can help plan members identify, challenge and overcome anxious thoughts, behaviours and emotions. Learn more about Online CBT or access i-Volve at Homeweb.ca/Equitable.

As well, Homewood has a number of resources available to help support plan members dealing with increased anxiety during these uncertain times:
Please encourage your clients to share these resources with their plan members. They are also available on our plan member website at EquitableHealth.ca.
Recall of Philips CPAP machines*
Last month, electronics company, Philips, issued a recall with Health Canada of some of its Continuous Positive Airway Pressure (CPAP), BiLevel Positive Airway Pressure (BiLevel PAP) devices and Mechanical Ventilators. The recall was issued due to a foam abatement within the machines that can become loose and cause potential health risks.

To qualify for repair or replacement of these devices, users must register their machine on the Philips website.

CPAP, BiLevel PAP devices and Mechanical Ventilators are eligible for coverage under an HCSA and under some Extended Health Care plans. Plan administrators may want to inform plan members of this recall if the devices are eligible for coverage under their plan.
Changes to the Compensation Inquiry section on EquiNet The Compensation Inquiry Section from EquiNet is only available on Microsoft Edge. Please follow the instructions below:

1. Open Microsoft Edge, click on the three dots in the top right corner and select ‘Settings’.

2. In the Settings menu, locate ‘Default browser’ and click on ‘Add’ in Internet Explorer mode pages.

3. Enter the URL https://advisor.equitable.ca/advisor/compensationinquiry and click on ‘Add’.

4. Login into EquiNet using Microsoft Edge and you will be able to access ‘Compensation Inquiry’.

This configuration expires in 30 days, if you want to continue accessing ‘Compensation Inquiry’ after 30 days, you will need to redo the steps above.

If you encounter problems configuring, call our support line at 1.800.722.6615 ext. 8888
Are your clients looking for more Tax-Free Savings Account contribution room?
Good news! With the start of the new year comes new additional contribution room. And to make it even better the Government of Canada increased the annual contribution limit. Effective January 1, 2023, the annual limit goes from $6,000.00 to $6,500.00.

A Tax-Free Savings Account is a great option for clients to grow their savings with the flexibility to access their money when they need it, before or during retirement. Encourage your clients to start saving today!

For more information on the options available, please click here.

Posted: January 3, 2023
Clarification: Dialogue Virtual Healthcare available to add to your clients' benefits plans We recently announced that we are partnering with Dialogue to offer unlimited and on-demand virtual access to primary healthcare practitioners.

The announcement indicated that Virtual Healthcare is the latest addition to our HealthConnector suite of health and wellness services and is available to add to all Equitable Life benefits plans as of July 1, 2023.

Please note that there is an additional fee to add the service to your clients’ benefits plans. Our original announcement was not clear enough about this.

We apologize for any confusion this may have caused.

If you have questions about Virtual Healthcare, of if you would like to add the service to a client’s plan, please contact your Group Account Executive or myFlex Sales Manager.
[pdf] Health Care Spending Account - Plan administrators
Introducing Empathy – Compassion and care at times of loss
We’re excited to announce our partnership with Empathy– the company behind the Empathy Loss Support benefit.

As a trusted advisor, you play a vital role in guiding clients through some of life’s most difficult moments. We understand this and believe Empathy can provide vital support at a time of loss. This is why Equitable^® has added this new benefit to all new and existing individual life insurance policies at no additional cost.

About Empathy
Empathy Loss Support begins when a claim is initiated. When a client’s loved one notifies us, our Client Care Centre connects them to Empathy’s user-friendly app or website. They can choose the Empathy services they need, including human support, and helpful tools. Empathy will help them navigate both the emotional and logistical challenges following a loss.

Introduced to loved ones at time of claim
Easy to use co-branded app
Adding value beyond the policy

Share the good news
Include Empathy in your client conversations about life insurance. Show clients how Equitable leads with Care, Compassion, and Empathy. Our commitment to clients is at the heart of everything we do.

To learn more, visit our Empathy page.

Questions? Please contact your Equitable wholesaler.

This loss support benefit is provided by Empathy and is available to all Equitable life beneficiaries aged 18+ years and residing in Canada. Equitable does not have access to the information provided to Empathy and is not responsible or liable for the services provided by Empathy. Empathy does not represent Equitable nor have the right to bind Equitable. Equitable may modify access to or discontinue offering the Empathy service at any time.

Empathy does not provide legal, medical, financial, or accounting advice, nor does Empathy provide mental health diagnosis or treatment. We recommend consulting a professional on such matters.
NEW Process for Applications for Term Conversion to Equimax with Excelerator Deposit Option (EDO) Great news! We are now allowing term conversions to Equimax with EDO with no additional underwriting provided the maximum net amount at risk (NAAR) for the new Equimax policy does not exceed the Term coverage amount being converted.

We have created an easy-to-use Excel worksheet (1616 worksheet) to help you confirm that the conversion to Equimax with EDO satisfies the NAAR requirement and will assist you with properly completing the Application for Term Conversion (Form 1616). This worksheet is only for use in situations where the term coverage is to be converted to Equimax with EDO and must be submitted along with the signed illustration and completed Application for Term Conversion. The maximum NAAR can be found on the Underwriting page of the illustration report.

The signed Equimax illustration, application and term conversion worksheet should be sent to: inforcelifemail@equitable.ca.

Resources can be found on Equinet: