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  1. 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

  2. And the winners of Equitable’s Close to Home contest are…


    A big thank you for making  Equitable’s Close to Home contest a huge success. We’ve now completed the draws and are thrilled to announce the following winners:

    • Client: Edwin M., Ontario

    • Advisor: Amir S., Ontario

    • Client: Veronica C., Ontario

    • Advisor: Sabena D., Ontario

    Congratulations to our winners. From all of us at Equitable, thank you for your trust and partnership.

  3. And the winners of Equitable’s Snowball Your Savings contest are… A big thank you for making  Equitable’s Snowball Your Savings contest a huge success. We’ve now completed the draws and are thrilled to announce the following winners:
     
    • Client: Aemie V., British Columbia
    • Advisor: Sitti M., British Columbia
    • Client: Reenu V., Ontario
    • Advisor: Amjath A., Ontario

    Congratulations to our winners. From all of us at Equitable, thank you for your trust and partnership.
     
  4. Reminder: Deadline to opt out of Alberta biosimilar coverage changes

    In November 2020, we announced via eNews that on March 15, 2021, we are changing coverage for some biologic drugs in Alberta in response to the province’s Biosimilar Initiative. These changes will help protect your client’s plans from additional drug costs while still providing access to equally safe and effective biosimilars.

    Do my clients need to take any action?

    Traditional groups who wish to opt out of this change and maintain coverage of these originator biologics for Alberta plan members can submit a policy amendment. Amendments must be submitted no later than January 15, 2021.

    Advisors with myFlex Benefits clients who wish to maintain coverage of these originator biologics for Alberta plan members should speak to their myFlex Sales Manager to confirm their eligibility to opt out of this change.

    Otherwise, no action is required on their part. Plan members taking these biologics will be contacted directly to allow them ample time to change their prescription. Any cost savings associated with the change will be factored in at renewal.

    Questions?

    We have compiled a list of frequently asked questions to help you understand Alberta’s Biosimilar Initiative. If you have a question that isn’t answered here, please contact your Equitable Life Group Account Executive or myFlex Sales Manager.

  5. 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:

     
    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:
    ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
     
  6. 5 Things You Need to Know About Equitable Generations Universal Life

    Here are five things you need to know about Equitable Generations™ Universal Life

    1. Affordability

    Because Equitable Life is owned by its policyholders, we don’t have to worry about paying shareholders. That means we can focus on offering competitive pricing!

    2. Investments

    Equitable Generations Universal Life is built for the 21st century with investment options that matter to today’s buyer including Target date, Environmental, Social, and Governance (ESG) funds for sustainable investing.

    3. Fees

    Equitable Generations has eliminated most universal life fund administration fees as well as the policy administration fee.

    4. KIND™

    Equitable Generations has a suite of contractual and non-contractual claims features we call KIND, designed to help your family navigate the claims process with ease.

    5. Flexibility

    With such competitive pricing, fantastic investment options and minimal fees. Equitable Generations Universal Life provides a level of flexibility rarely seen in the Universal Life space.


     

    See Equitable Generations Universal Life for yourself within one minute - try the EZStart quick quote software for advisors, available on EquiNet!

    Please contact your local wholesaler for more information. 

    TM and ® denote trademarks of The Equitable Life Insurance Company of Canada. 

  7. What you should know about Equitable Generations Universal Life

    Here are five things you need to know about Equitable Generations™ Universal Life

    1. Affordability

    Because Equitable Life is owned by its policyholders, we don’t have to worry about paying shareholders. That means we can focus on offering competitive pricing!

    2. Investments

    Equitable Generations Universal Life is built for the 21st century with investment options that matter to today’s buyer including Target date, Environmental, Social, and Governance (ESG) funds for sustainable investing.

    3. Fees

    Equitable Generations has eliminated most universal life fund administration fees as well as the policy administration fee.

    4. KIND™

    Equitable Generations has a suite of contractual and non-contractual claims features we call KIND, designed to help your family navigate the claims process with ease.

    5. Flexibility

    With such competitive pricing, fantastic investment options and minimal fees. Equitable Generations Universal Life provides a level of flexibility rarely seen in the Universal Life space.

    View our video on Vimeo or YouTube!

    See Equitable Generations Universal Life for yourself within one minute - try the EZStart quick quote software for advisors, available on EquiNet!

    Please contact your local wholesaler for more information. 



    TM and ® denote trademarks of The Equitable Life Insurance Company of Canada. 

     

  8. 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:
    English.png French.png Chinese.png
    (*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.
  9. Celebrating our wins – 2023 Individual Insurance Marketing Recap Equitable® would like to wish everyone a Happy New Year and we are looking forward to doing more business together in 2024!

    As we start a brand new year, we would like to share with you some highlights of our 2023 initiatives in Individual Insurance. These projects aimed to make it easier to do business and enrich your experience of working with us.

    Digital & Administration Enhancements
    Our 2023 digital transformation initiatives ensured smoother processes, streamlined operations, and improved user experiences for advisors and clients:
    ● Digital Transactions for Universal Life Plans
    ● Text Notifications Keep You Informed on Your New Business
    ● New Online Policy Loan Form
    ● EZcomplete Enhancement for Critical Illness
    ● New Life & CI Application 





    Product Updates
    Equally pivotal were our efforts in enhancing our individual life insurance solutions to empower you to confidently recommend us to clients:
    ● A Tune-Up for Equimax
    ● The Equimax Evolution Continues
    ● Critical Illness Insurance Update
    ● New Dividend Scale Interest Rate 
     
    To learn more about the above initiatives, kindly reach out to your local wholesaler.
    Thank you for entrusting us with your business in 2023!
    Continue watching for news from Equitable for more great launches and enhancements in 2024!           


    ® or TM denote trademarks of The Equitable Life Insurance Company of Canada
  10. Free Webinar: A better employee health benefits solution for small business clients Join us on Tuesday, May 28, 2024 at 1 p.m. ET for a free webinar about Equitable EZBenefits™ – our new employee health benefits solution designed for 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 created EZBenefits for businesses with between 2 and 25 employees.
     
    You’ll learn about:
    ● The range of plan design options we’ve created to fit various needs and budgets;
    ● The streamlined process we’ve designed to optimize your time and provide you and your clients with rapid quotes, hassle-free plan implementation and easy renewals;
    ● Our dedicated Advisor Concierge Service – your go-to resource for EZBenefits support;
    ● The health and wellness services that are embedded with EZBenefits, including Virtual Health and an Employee and Family Assistance Program; and
    ● The built-in HR support through Equitable’s partnership with HRdownloads®, including access to HR technology, content and training.

    Register to attend the EZBenefits webinar

    This webinar will be delivered using Microsoft Teams and will include a Q&A component. If you wish to submit a question using the Q&A feature, please follow these instructions when you join the webinar:
    ● Join using the Microsoft Teams app. If you do not have Microsoft Teams, you can download it for free here.
    ● If you prefer to join via web browser without installing Microsoft Teams, please use Google Chrome or Microsoft Edge. Other browsers do not support the Q&A feature.