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1. Taking the guess work out of market volatility with Equitable Life

    

   Investing during market highs and market lows can leave even the most seasoned investors scratching their heads. Knowing when to buy and when to sell is not easy, but disciplined investing can be.
   
   Dollar cost averaging with Equitable Life® is designed to provide a long-term investment solution. This strategy helps take the guesswork out of knowing when to get into the market. It can also provide consistency for a long-term financial plan regardless of whether there is a lot or a little to invest.
    
   And for a limited time only, we’ve increased the initial commission for the CB5 sales option from 5.6% to 7.0% on Pivotal Select™ segregated funds*, effective from May 20 to August 31, 2022.** During this time, advisors earn the increased full initial commission even if funds are placed into Equitable Life Money Market Fund to start the PAC.
    
   For more information on dollar cost averaging, please contact your Equitable Life Regional Investment Sales Manager.

    

    
    
   * Applies to FundSERV trades occurring between May 20 and August 31, 2022. Initial commission on non-FundSERV trades occurring between May 20 to August 31, 2022 increases from 4% to 5%. Initial commission is subject to a chargeback.
   ** Equitable Life reserves the right to end the campaign at any time and without notice.
    
   ™or ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
    
    
2. There is still time to enter Equitable’s Ring in the Savings Contest!

   
   
   ™ or ® denote registered trademarks of The Equitable Life Insurance Company of Canada.
     For full contest rules, including no-purchase method of entry, see the full contest rules. 
   
   Posted February 14, 2025

3. March 2026 eNews

   In this issue:

   Equitable is adding nutrition app to all group benefits plans*
   Coming soon: One-time passcodes will be added to account login process*
   Standardized CLHIA disability form is now part of our disability claims submission package*
   Reminder: Review manual allocations for HCSAs and/or TSAs*
   Protecting clients’ plans from benefits fraud*
   
   *Indicates content that will be shared with your clients.
    

   Equitable is adding nutrition app to all group benefits plans

    

   Equitable is making healthy eating easier and more accessible for all group benefits plan members. Beginning in April, access to the RxFood mobile app will be added to every Equitable group benefits plan—at no extra cost.

    

   This will put personalized nutrition insights, practical tips and tailored recommendations at every plan member’s fingertips—helping them make more informed food choices that can either help prevent or manage chronic conditions, such as diabetes, high cholesterol and heart disease.

    

   What is RxFood?

    

   RxFood is Canada’s first clinically validated nutrition platform that’s used and trusted by leading health care institutions across the country, including SickKids Hospital, Diabetes Canada, Children’s Hospital of Eastern Ontario (CHEO) and more, to support better health outcomes through nutrition.

    

   While we can track many aspects of our daily health—steps, heart rate, sleep, and blood sugar—food is often overlooked. RxFood helps close that gap by using technology that’s powered by artificial intelligence (AI) to turn everyday meals into meaningful health insights.

    

   How it works

    

   A plan member takes photos of their meals with their smartphone. RxFood will analyze what's on their plate, from nutritional quality to portion sizes, then provide personalized feedback, easy-to-follow suggestions and recipes with ingredient options tailored to their budget.

    

   After a few days of logging, they’ll receive a comprehensive nutrition summary showing how their eating patterns align with their personal health goals, and where to go from there.

    

   Check out the following video to learn more about RxFood— and how Equitable is putting the power to eat healthy in the hands of plan members.

   
    

   Coming soon: One-time passcodes will be added to account login process

    

   This spring, Equitable will launch a new multi-factor authentication (MFA) security measure to further enhance our digital security. When our new feature takes effect, anyone logging in to EquitableHealth.ca® and the Equitable EZClaim® mobile app with an email address and password may be required to enter a one-time passcode they receive via email. This will further safeguard their account access and personal data.

    

   Keep it simple – create a passkey

    

   If you don’t want to enter a one-time passcode when logging into your account, you can skip this extra step all together by creating a passkey on your mobile device or computer.

    

   Passkeys are safe and provide a quicker, easier way to log in while also enhancing account security. They use either biometrics–your face or fingerprint–or a PIN authenticator to confirm your identity.

    

   If you create and use a passkey to log in, you won’t need to enter a one-time passcode.

   Learn more about passkeys. The set-up process is simple. The two videos below guide you through creating a passkey on both your mobile device and computer.

    

   Client and plan member communications

    

   We will share this information with clients and group benefits plan members before we introduce our new security measure. Please reach out to your Group Account Executive if you have any questions.

    
   
   
   If you use the same email address to log in to your accounts on EquitableHealth.ca, EquiNet^® and Equitable Client Access^®, you can use the same passkey. Equitable Client Access is our secure site for Individual Insurance and Individual Wealth clients.
    

   
   Standardized  CLHIA disability form is now part of our disability claims submission package

    

   Clients with employees who are submitting short-term or long-term disability claims should be aware that we’ve changed one of the required forms in our disability claim submission package.

    

   The Canadian Life and Health Insurance Association’s (CLHIA) Initial Disability Insurance Medical Statement has replaced our Attending Physician’s Statement (APS) form.
   
   
   Our disability claim application packages on Equitable.ca and EquitableHealth.ca now include the CLHIA standardized form instead of our APS form. Our old form is no longer available on our websites.
   
   
   We will continue accepting our previous APS form for initiating disability claims for now. However, we’re encouraging clients to begin using the standardized form as soon as possible. Using a standardized form for disability claims across the group insurance industry helps reduce the administrative burden on physicians by simplifying the disability application process.
   
   
   If you have any questions, please contact your Group Account Executive.

   
   Reminder: Review manual allocations for HCSAs and/or TSAs

   
   If your client’s Health Care Spending Account (HCSA) and/or Taxable Spending Account (TSA) has manual allocations, they need to allocate these amounts to plan members each year.
   
   Plan administrators can update these amounts on EquitableHealth.ca. Here are the steps:

   • Select View certificate
   • Select Health Care Spending Account or Taxable Spending Account
   • Select Update Allocation in Task Center
   • Enter amount in Revised Allocation Amount
   • Override Reason – Plan Administrator Request
   • Select Save

   Plan administrators who have reporting capability can determine which plan members have a zero allocation by running the HCSA Totals by Plan Member report online. Here are the steps:

   • Select Reports
   • Select New
   • Select Next
   • Select HCSA or TSA Totals by Plan Member
   • Select Next
   • Enter end date of 12/31/2026
   • Select Next
   • Select Finish
   • View Report

   Your clients can also contact us at GroupBenefitsAdmin@equitable.ca for help with updating the amounts.
    

   Protecting clients’ plans from benefits fraud

   
   March is Fraud Prevention month – the perfect time for clients to educate their plan members on the consequences of benefits fraud.
   
   According to the Canadian Life and Health Insurance Association (CLHIA), benefits fraud costs millions each year and can contribute to higher premiums for plan sponsors.
   
   These resources can help clients and plan members prevent benefits fraud:

   • CLHIA’s free 15-minute Protect Your Benefits online course for plan administrators and their members
   • CLHIA’s Fraud is Fraud program, including their FAQs on benefits fraud
   • CLHIA's 10 tips to 'Protect your benefits' for plan members

    

   How we protect against benefits fraud

   
   Our Investigative Claims Unit (ICU) uses a range of techniques, including CLHIA‑led tools, to detect and prevent benefits fraud: 

   • Joint Provider Fraud Investigation Program: Allows insurers to collaborate on fraud investigations that affect multiple insurers.
   • Data Pooling Program: Pools data between insurers and uses advanced artificial intelligence (AI) to further identify and reduce benefits fraud.
   • Provider Alert Registry: Allows insurers to view the results of other insurers’ anti-fraud investigations into specific practitioners. 

   
   To learn more, contact your Group Account Executive.
4. Critical Illness - More Covered Conditions
5. Making it easy to do business with us

   Online Term illustration now auto-populates the application 

   We have added a new online illustration for Equitable^® Term life insurance illustrations that automatically populates the fields in your Term application. 
   
   We’ve designed the online illustration to be intuitive so you can fill in client details with ease. 
   ●  Select term plans and coverages of choice, then get an illustration report in minutes. 
   ●  You can save your web illustration progress at any time and view it from the online application dashboard. 
   ●  We’ve combined the illustration with our online application to make the process seamless. The illustration details you provide will auto-populate in the fields needed to complete the application. 
   
   New: You can create a term illustration without logging in to EquiNet.   
   
   We are taking another step in the journey towards enhancing the ways we do business. 
   
   
   
   
   Check out this update on the new Illustrations page on EquiNet^®! 
   
   Learn more
   
   Have further questions? Your Equitable Wholesaler is here to help!
   
   ^® and ^TM denote trademarks of The Equitable Life Insurance Company of Canada.
    
6. Exchanges
7. GIA Coming to the Equitable FHSA Many clients have already taken advantage of Equitable’s First Home Savings Account (FHSA), available on Pivotal Select™ Investment Class (75/75) and Pivotal Select Estate Class (75/100).
    
   And now, we’ve got some more great news. We’re working to expand the Equitable® FHSA to include our Guaranteed Interest Account (GIA). But clients don’t need to wait to start earning tax-free income in a FHSA.
    
   If clients want to open a FHSA now but may be interested in an Equitable GIA,  simply choose the No-Load Equitable Money Market Fund Select investment option while we work on including the GIA on FHSA. The current yield to maturity is 5.41% gross.¹
    
   We will let you know when the GIA is available in FHSA in the coming months. Once it is available, advisors can speak to clients about the GIA options available in the FHSA and select what best suits their needs.
   
   Don’t forget, clients who make a contribution to their FHSA, RRSP or TFSA between January 1 and February 29, 2024, could win $5,000 and you could win $1,000 in Equitable’s New Year’s Resolution, New Year’s Contribution Contest.²
    
   For more information, please contact your Regional Investment Sales Manager.
    
   1 As of January 16, 2024, 4.06% net after deducting the management expense ratio. Yield to Maturity: the market value weighted-average yield to maturity includes the coupon payments and any capital gain or loss that the investor will realize by holding the bonds to maturity.
    
   2 Equitable’s New Year’s Resolution, New Year’s Contribution Contest: No purchase necessary. Contest period January 1, 2024, to February 29, 2024.  Enter by making a deposit to an Equitable FHSA, TFSA or RRSP during the contest period or by submitting a no-purchase entry. One prize for a total value of $5,000 CAD to be drawn on March 8, 2024, will be awarded. The servicing advisor for the policy to which the selected entrant made the deposit is also an eligible winner and will receive a $1,000 CAD prize. For example, if an Equitable client is a winner of the $5,000 prize, the client’s servicing advisor wins a $1,000 prize.  Open to legal residents of Canada of the age of majority. Odds of winning depend on number of eligible Entries received during the Contest Period.  For full contest rules, including no-purchase method of entry, see the full contest rules.

   Posted January 17, 2024

8. 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.

9. 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
10. Roll out the red carpet for a refreshed Term! We are pleased to announce that updates to our Term life insurance solution are now live! We believe that Term life insurance can deliver value to clients at every stage of their life journeys. Be it at renewal or at conversion, Term is a flexible and affordable life insurance solution for clients today and into tomorrow.
    
    On February 3^rd, 2024, we refreshed our Term life insurance solution. Some of the existing and new updates with our Term offering include:
    ●  More targeted, competitive pricing,
    ●  Benefits re-aligned under the KIND™ program,
    ●  Yearly renewals. After the initial term of level premiums, Term life insurance will now renew yearly with premiums gradually increasing each year. This will help clients keep their Term protection longer without large premium increases.
    
    With these updates and more, our Term solution doesn’t just “do the job,” it’s what clients want!
    
    Visit our splash page and watch our informative video to learn more and start selling today!
     
    
    
    
    View our Transition Rules for all the details on processing your applications.
     
    We’ve also updated our illustration tool:
    ● New Desktop illustration software
    
    Want to learn more?
    Contact your Equitable wholesaler anytime!
     
    
    ® or ™ denotes a trademark of The Equitable Life Insurance Company of Canada.