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  1. 2026/2027 Dividend scale announcement, plus new Performance and perspective par fund report
    Good news! Equitable’s Board of Directors has approved maintaining our current dividend scale, including the dividend scale interest rate of 6.40%, effective July 1, 2026, through June 30, 2027.*

    These factors are also staying the same:
    •  The interest rate* used to decide the dividend scale is unchanged at 6.40%.
    •  The interest rate for policies with dividends on deposit stays at 3.50%.
    •  The interest rate for most policy loans continues to be 6.50%. **

    A stable dividend scale reflects strong, long‑term management of the participating fund.

    Find out what’s new with Equitable Individual Insurance and hear the 2026 Dividend Scale announcement
    image-(5).jpg image-(4).jpg image-(9).jpg
    (*French and Chinese events will be partially in English, with sub-titles on screen).

    New! Performance and perspective participating fund report
    You now have a powerful new resource, Performance and perspective, to support your client conversations about Equitable’s participating fund. It’s designed to give you a transparent view of 2025 participating fund performance to help you explain long‑term value simply, and position Equimax® participating whole life as a long‑term solution, not just a product.

    View the Performance and perspective report: English, French, Chinese

    Reasons to use Performance and perspective
    • It strengthens your conversations and builds client confidence by showing the participating fund asset mix, historical performance and long‑term approach all in one place.
    • It helps you explain with clear visuals how the participating account is managed, not just how it performed.

    Why this matters to clients
    • They get transparency into where their money is invested.
    • They can see how participating solutions are managed over time, not year to year.
    • They gain confidence in long‑term planning decisions, supported by facts.

    Need more information?
    • Dividend Information Page
    • 2026 Advisor Dividend Scale Notice
    • 2026 Client Dividend Scale Notice

    *Dividends are not guaranteed and are paid at the sole discretion of the Board of Directors.
    **Applies to new and existing policy loans and automatic premium loans, specifically Equimax® policies with 9-digit policy numbers beginning with 3 or 8. Older policies may have different loan rates as they reflect the prime interest rate.
     
  2. [pdf] TFSA Third Party Contribution
  3. [pdf] Aviation Questionnaire
  4. [pdf] Financial Questionnaire - Business
  5. [pdf] Additional/Updated Client Information
  6. October 2019 Advisor eNews

    Coverage of Remicade, Enbrel and Lantus in BC

    As we announced in August, BC PharmaCare recently introduced a new Biosimilars Initiative that ends coverage of three biologic drugs, including Remicade, Enbrel, and Lantus. These drugs will no longer be eligible in British Columbia for most conditions for which lower-cost biosimilar versions are available. Patients in the province with these conditions will be required to switch to biosimilar versions of these drugs by Nov. 25, 2019 in order to maintain their coverage under BC PharmaCare. Patients taking Remicade for Crohn's Disease or Ulcerative Colitis will not be required to switch to a biosimilar until March 6, 2020.
     
    Biologics are drugs that are engineered using living organisms, such as yeast and bacteria. Biosimilars are highly similar to the originator drugs they are based on and most have been shown to have no clinically meaningful differences in safety or efficacy.
     
    To ensure this provincial change doesn’t result in your clients’ plans paying additional drug costs, we have aligned our drug eligibility for these three biologic drugs with that of BC PharmaCare.
     
    As previously announced, effective Nov. 25, 2019, Remicade and Enbrel will no longer be eligible for BC plan members with conditions for which lower-cost biosimilar versions of the drugs are available. These plan members will be required to switch to the biosimilar versions of these drugs in order to maintain eligibility on the Equitable Life drug plan. We have communicated with Plan Administrators about this change, and we have informed affected claimants of the need to switch medications.  
     
    As well, effective Feb. 3, 2020, the drug ingredient cost for Lantus will no longer be eligible for BC plan members; only the dispensing fee may be eligible under their Equitable Life plan. Plan members taking Lantus will be required to switch to Basaglar, the lower-cost biosimilar version of the drug, in order to maintain coverage under their Equitable Life plan. We will be communicating with Lantus claimants in the coming weeks to allow them ample time to change their prescription and avoid any interruptions in their treatment or their coverage.
     
    If you have any questions about this change, please contact your Group Account Executive or myFlex Sales Manager.

    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.

  7. Introducing Equitable EZBenefits: A better group benefits solution for your small business clients If you serve small business owners, chances are they’re looking for a group benefits solution that’s affordable, sustainable and easy to manage. That’s why we introduced Equitable EZBenefits™. It’s a unique group benefits solution designed with you and your small business clients in mind.
     
    Options to fit every need
    Available to organizations with between 2 and 25 employees, EZBenefits offers a range of plan design options to match different needs and budgets. * Whether your client owns start-up or a growing company, we’ve got them covered. Plan options include a mix of Life, Health and Dental coverage. ** Clients can also add Long-Term Disability (LTD) coverage or a Health Care Spending Account (HCSA).
     
    Embedded services to support health and wellness
    To provide employees with added support for both their physical and mental wellbeing, all our plan design options include:
    • Anytime, online access to medical professionals through our Virtual Healthcare solution from Dialogue,
    • Access to professional counselors – via the telephone, the web or in-person – through our Employee and Family Assistance Program from Homewood Health®, and
    • Online resources to help manage health, financial and family challenges through Homeweb, Homewood Health’s online wellness portal.
    Extra HR support for your clients
    EZBenefits also comes with built-in HR support through Equitable Life’s partnership with HRdownloads® This takes the heavy lifting out of common human resource tasks with HR support tools and services, including:
    • HR Technology: An award-winning cloud-based human resource information system to provide help from onboarding to offboarding and everything in between.
    • HR Content: Access to a library of over 3,000 HR documents, templates, compliance resources and articles, with 25 free document downloads.
    • HR Training: A free Workplace Diversity and Inclusion online training course.
    • HR Support: One free Live HR Advice call with a seasoned HR expert.
    A streamlined process to optimize your time
    We know that advising small business clients can be challenging. We’ve created a streamlined benefits process that provides rapid quotes, hassle-free plan implementation, simplified renewals and that is easy to administer. That way, you can spend more time advising your clients and building your business – and less time with administrative back and forth.
     
    Pricing stability for long-term stability
    When it comes to attracting and retaining talent, we know your small business clients are competing with larger organizations that have big budgets and lots of resources. That’s why we’ve designed EZBenefits to provide long-term pricing stability for health and dental benefits.
     
    Find out more
    Watch this video to learn how EZBenefits can help you and your clients. You can also visit info.equitable.ca/ezbenefits for more details or to request a quote. If you have questions, contact your Equitable Life Group Account Executive. If you don't have an Equitable Life Group Account Executive, email us at EZBenefits@equitable.ca.
     

    * Not available in Quebec.
    ** Dental coverage is not included with the Bronze plan design option.
  8. December 2023 eNews

    Insights on EZBenefits from our Executive Vice-President, Group Insurance


    When it comes to advising small business owners, it can be tough to find the right group benefits solution. Offering a competitive benefits plan is more important than ever to help small business owners attract and retain talent. They need an affordable solution that’s easy to implement, renew and maintain.

    That’s why we launched EZBenefits for small business earlier this year. It’s a unique group benefits solution designed with you and your small business clients in mind. 

    Marc Avaria, Executive Vice-President, Group Insurance, explains:

    Find out more

    Visit info.equitable.ca/EZBenefits for more details or to request a quote. If you have questions, contact your Equitable Group Account Executive.


    Supporting plan members through cold and flu season with Dialogue Virtual Healthcare*

    Now that cold and flu season is here, many Canadians will start calling in sick or missing work to visit their doctor – if they can get an appointment. Now’s the time to remind your clients that Equitable offers Dialogue Virtual Healthcare. It can be added to any Equitable plan for an additional cost.

    Eligible plan members and dependants receive fast, on-demand access to virtual primary medical care—24/7, 365 days a year. Available for a variety of non-urgent health concerns, Dialogue Virtual Healthcare can make it easier to navigate cold and flu season by providing:
    • Access to the largest, most experienced bilingual medical team in Canada,
    • In-app prescription renewals and refills,
    • Personalized follow-ups after each consultation, and
    • An all-in-one patient journey to address health issues. This reduces long waits and means less time away for doctor appointments.

    Benefits of Virtual Healthcare for plan sponsors

    When your clients provide Virtual Healthcare for their plan members, they can help:
    • Drive employee engagement;
    • Reduce absenteeism related to in-person medical appointments;
    • Manage chronic health issues;
    • Attract and retain top talent; and
    • Build a healthier workforce.

    Learn how it works

    Adding Dialogue Virtual Healthcare to your clients' plans

    To learn more about adding Virtual Healthcare to your clients’ benefits plans, contact your Group Account Executive or myFlex® Account Executive. You can also share this resource from Dialogue on managing cold and flu season.


    Changes to Short-Term Disability benefits calculations*

    The Canada Employment Insurance Commission and Canada Revenue Agency have announced the 2024 changes to Maximum Insurable Earnings, and premiums for employment insurance. The following changes to Employment Insurance (EI) will take effect January 1, 2024:

    How does this affect your clients?

    To comply with client policy provisions, Equitable will revise Short-Term Disability (STD) benefits with the updated maximums based on the percentage of EI Maximum Weekly Insurance Earnings for policies that meet these conditions:
    • Policies that include a STD benefit that is tied to the EI Maximum Weekly Insurable Earnings, and
    • Policies with a classification of employees that has less than a $668 maximum.
    • The additional premium for any increase from their previous STD amounts and new STD amounts will be shown on your clients’ January 2024 Group Insurance Billings (as applicable). 
    If a client’s STD maximum is currently higher than $668 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 Issue and Special Projects.

    *Indicates content that will be shared with your clients. 
  9. Explore Equitable EZBenefits™

    A better group benefits solution for your small business clients

    Running a small business isn't easy, especially for companies with smaller budgets and fewer resources. It can be tough to find a competitively priced benefits plan with the features that clients want. That’s why we created Equitable EZBenefits™, a benefits solution designed with the needs of small businesses in mind.

    Options to fit every need
    Available to organizations with between 2 and 25 employees, EZBenefits offers a range of plan design options to match different needs and budgets. * Whether your client owns start-up or a growing company, we’ve got them covered. Plan options include a mix of Life, Health and Dental coverage. ** Clients can also add Long-Term Disability (LTD) coverage or a Health Care Spending Account (HCSA).

    Embedded services to support health and wellness
    To provide employees with added support for both their physical and mental wellbeing, all our plan design options include:
    ● Anytime, online access to medical professionals through our Virtual Healthcare solution from Dialogue,
    ● Access to professional counselors – via the telephone, the web or in-person – through our Employee and Family Assistance Program from Homewood Health®, and
    ● Online resources to help manage health, financial and family challenges through Homeweb, Homewood Health’s online wellness portal.

    Extra HR support for EZBenefits clients
    EZBenefits also comes with built-in HR support through Equitable’s partnership with Citation Canada® (formerly HRdownloads). It takes the heavy lifting out of common human resource tasks with HR support tools and services. Features include:
    ● an award-winning cloud-based human resource information system (HRIS) to provide help from onboarding to offboarding and everything in between,
    ● access to a library of over 3,000 HR documents, templates, compliance resources and articles, with 25 free document downloads,
    ● a free Workplace Diversity and Inclusion online training course, and
    ● one free Life HR advice call with a seasoned HR expert.

    A streamlined process to optimize your time
    We know that advising small business clients can be challenging. We’ve created a streamlined benefits process that provides rapid quotes, hassle-free plan implementation, simplified renewals and that is easy to administer. That way, you can spend more time advising your clients and building your business – and less time with administrative back and forth.

    Pricing stability for long-term stability
    When it comes to attracting and retaining talent, we know your small business clients are competing with larger organizations that have big budgets and lots of resources. That’s why we’ve designed EZBenefits to provide long-term pricing stability for health and dental benefits.

    Find out more
    To learn more about EZBenefits, watch our video to learn more or view our brochure. You can also visit info.equitable.ca/ezbenefits for more details or to request a quote. If you have questions, contact your Equitable Life Group Account Executive. If you don't have an Equitable Life Group Account Executive, email us at EZBenefits@equitable.ca.

    * Not available in Quebec.
    ** Dental coverage is not included with the Bronze plan design option.
     
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