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1. [pdf] Custom Quote - DIA/GIA
2. [pdf] Financial Questionnaire - Personal
3. [pdf] Segregated Fund Sales DSC Disclosure Form
4. [pdf] Make your money work for you
5. [pdf] G2 - Application for Non-Underwriting change
6. [pdf] RRSP to RRIF Conversion
7. August 2019 Advisor eNews

   Coming soon:

   Tech updates for plan members

   Technology doesn’t stand still, and neither does your clients' businesses. That’s why we continually invest in technology to make things easier for your clients and their employees.

   Faster claims processing on Equitable EZClaim^® Mobile

   Equitable Life now provides real-time processing of massage therapy, physiotherapy and chiropractor claims submitted via the EZClaim Mobile app.

   That means plan members are able to find out the status of their claim almost instantaneously. And, for approved claims, they will receive payment even sooner - often in as little as 24 hours.

   In order to allow for instantaneous processing and faster payment, plan members will be prompted to enter some additional information including the practitioner’s name, the date of the expense, and the type and amount of the expense, when submitting their claims for these services.

   Equitable Life plan members can submit all types of health and dental claims via EZClaim Mobile, including co-ordination of benefits and Health Care Spending Account claims. Currently, 43% of all claims are submitted through the user-friendly app.

   AS part of our ongoing efforts to improve the mobile claims experience for plan members, we've also added biometric login functionality to allow plan members to sign in to the app using their face or fingerprint. And we've redesigned our landing page on the mobile app to make it easier for plan members to navigate the various features of the app.

   We will be announcing this enhancement to plan members on EquitableHealth.ca

   Introducing InpatProtect:

   Health coverage for employees who are new to Canada

   For a new employee starting to work in Canada, looking after basic health needs can be difficult.

   There’s a waiting period for provincial health coverage, and group benefits plans don’t cover the physician, hospital or emergency services that they or their eligible dependents may need during their initial months in the country. They could end up incurring significant unexpected health expenses.

   That’s why Equitable Life has launched InpatProtect^TM. InpatProtect provides temporary coverage to look after the basic health needs of employees and their eligible dependents during their transition to Canada. Your clients can recruit from outside the country knowing that their employees will have some protection in the event of a medical need, including an emergency.

   For up to 90 days, InpatProtect will cover employees and their eligible dependents for basic services that would normally be reimbursed under provincial health plans, such as:

   • Physician services
     • Prescriptions for medications
     • Diagnosis and treatment for illness or injury
   • Hospital services
     • In-patient services
     • Drugs prescribed and delivered as an inpatient in-hospital
     • Out-patient services
   • Emergency services
     • Ambulance services
   • Emergency dental services

   Contact your Group Marketing Manager or myFlex Sales Manager for more information about this new product from Equitable Life.

   De-listed service providers

   As part of our ongoing initiative to have Group Benefits plans only reimburse eligible claims, we conduct reviews of the billing and administrative practices of service providers, including clinics, facilities and medical suppliers.

   As a result of these reviews we may de-list certain providers.  We will no longer accept, or process claims for services and/or supplies obtained from those providers. The plan member can still choose to obtain services or supplies from these providers, but Equitable Life will not provide reimbursement for the claims.

   Review Equitable Life’s de-listed service providers

   The delisted service provider list is also posted on EquitableHealth.ca for plan members to review to determine if their claim(s) are eligible for reimbursement under their Group Benefits plan.

   For more information about protecting group benefits plans from abuse, check out our articles.

    

    

   ¹ Based on Equitable Life health and dental claims submitted between January 2019 – March 2019
   
   Google Home and Google Assistant are registered trademarks of Google LLC.
   ^® denotes a trademark of The Equitable Life Insurance Company of Canada unless otherwise indicated.

8. Financial planning concepts & tools
9. New Dividend Scale effective July 1, 2021 The Equitable Life Insurance Company of Canada Board of Directors has approved a change to the dividend scale for the period July 1, 2021 to June 30, 2022. 
    
   • The dividend scale interest rate* will decrease from 6.2% to 6.05%.
   • All series of participating whole life policies issued in the 2012 series and beyond other than the most recent Equimax Estate Builder® series will see an improvement in the mortality component. The most recent Equimax Estate Builder series, for sale as of September 12, 2020, already incorporated better mortality and its mortality component will remain unchanged. Series issued prior to 2012 will see an increase in the overall dividends but results will vary by series and policy.
   • Other factors that are used to calculate the dividend scale will remain unchanged.
   • The interest rate for dividends left on deposit will decrease from 2.75% to 2.25% for all participating whole life policies.
   • The policy loan rate will remain unchanged at 6.2%. This applies to all new and existing policy loans, including automatic premium loans on Equimax® policies that have a 9-digit policy number beginning with a “3” or an “8”. The policy loan rates on some older blocks of policies may increase or decrease because they are tied to the prime interest rate.
    
   *The dividend scale interest rate is not the same as the participating account rate of return in any given calendar year. The dividend scale interest rate smooths out the ups and downs experienced by the participating account.
     
   Policyholder dividends in the next dividend scale year would be approximately $85 million, compared to $67 million in the prior dividend scale year.
    
   The sustained low interest rate environment continues to put downward pressure on the experience in the participating account. If low interest rates continue, investment returns in the participating account will also be lower, and we may need to decrease the dividend scale in the future. 
    
   Your participating whole life clients will receive a notice of the dividend scale change with their annual policy statement. The Equitable Sales Illustrations system will be updated to reflect the new dividend scale. Updated illustration software will be available for download after 9 a.m. ET on June 25, 2021.
   
   Find out more