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  1. Understanding Life Insurance Replacements at Equitable All provinces require completion of a life insurance replacement declaration (LIRD) or equivalent form if intending to replace an existing insurance contract with a new one. The LIRD helps clients think carefully before terminating their existing policy. It contains important questions for them to consider. 

    When do you need to send a LIRD to Equitable®?

    Refer to our: LIRD requirements by province     

    Equitable needs to receive the LIRD only in provinces where it is mandated. Please check the province-specific requirements (linked above). 

    If a client is replacing a life insurance contract with a new one with us, and the owner lives in one of the specified provinces, the LIRD must be sent to Equitable with the application. It should include a written explanation of the questions reviewed with the client and must be signed and dated. 

    Important reminder: While you will always complete a LIRD, do not submit the LIRD unless we require it. Doing so may delay the new business process.

    Note: The LIRD does not terminate the original policy; it indicates intent to do so.

    Questions? Please contact your local Equitable wholesaler if you need additional information.

    ® or TM denotes a trademark of The Equitable Life Insurance Company of Canada.  
  2. Critical Illness Path to Success Program Instructions
  3. National Pharmacare (Plan NP) takes effect in B.C. on March 1

    In this issue:

    National Pharmacare (Plan NP) takes effect in B.C. on March 1

    Travel coverage details plan members should know if they’re in or going to Mexico*

    *Indicates content we will share with your clients.

     

     

    National Pharmacare (Plan NP) takes effect in B.C. on March 1

     

    The Province of British Columbia (B.C.) will implement the first phase of the National Pharmacare Act, also known as Bill C64 (Act), on March 1, 2026.

     

    The new program will be called National Pharmacare (Plan NP). The province joins Manitoba and Prince Edward Island, who have already implemented the first phase of their own programs. All three provinces, along with Yukon, signed bilateral pharmacare agreements with the federal government last year.

     

    National Pharmacare (Plan NP) coverage details

     

    The federal government has agreed to provide universal coverage for many diabetes drugs and contraceptives, including deductibles, during the first phase of implementation of the Act. Equitable will no longer cover drugs that are eligible for coverage under Plan NP.

     

    Diabetes devices and supplies are not included in the first phase of plan implementation. However, expanded coverage for certain diabetes-related devices and supplies is expected to begin in B.C. on April 1, 2026.

     

    Since B.C. already offers universal coverage of contraceptives through its provincial pharmacare program, the province is using that portion of the federal funding to cover menopausal hormone therapy (MHT), also called hormone replacement therapy (HRT).

     

    Many diabetes medications such as metformin, insulin, sulfonylureas and SGLT-2 inhibitors will be fully covered under Plan NP.

     

    Some diabetes medications and MHTs will only be partially covered when the program takes effect. As well, many diabetes medications will continue to require Special Authority through the province.



    What will Equitable plan members need to do?

     

    Coverage will be provided automatically at the pharmacy counter. Plan members simply need to present a prescription for a covered medication and their Medical Services Plan of B.C. (MSP) card to their pharmacist. If a plan member isn’t fully enrolled in the MSP yet, their pharmacist will help them secure coverage under Plan NP.

     

    The pharmacist will charge the provincial plan directly for the relevant medications. There will be no direct impact to plan members or their experience at the pharmacy for fully covered drugs.
     

    Where do GLP-1 drugs fit in?

     

    GLP-1 agonist drugs will not be covered under Plan NP. Equitable plan members who are prescribed this type of drug to treat diabetes must try a first-line diabetic treatment before we can deem them eligible for coverage of the GLP-1 agonist.

     

    Plan members who are already taking a GLP-1 agonist to treat diabetes will continue to be eligible for coverage. New plan members or plan members with new prescriptions for GLP-1 agonists must provide us proof that shows they’ve tried a first-line diabetic treatment to confirm eligibility—unless we already have a previous record of their insulin use. Proof can be either a past receipt or a claim statement.

     

    Our priority is supporting the best outcomes for plan sponsors and their members. We are working with TELUS Health, our pharmacy benefits manager, to keep you updated as more details become available.

     

    Travel coverage details plan members should know if they’re in or going to Mexico

     

    Plan members with Travel Assist medical emergency coverage included in their benefits plan should keep the following information in mind if they’re planning travel to Mexico or if they’re in the country now.

     

    Due to recent violence in Mexico, the Government of Canada has issued the following travel advice to anyone in or planning to visit the country.

     

    Plan members are not covered if they receive out-of-province services where the Canadian government had issued a warning to avoid all or non‑essential travel before they entered the country.

     

    Plan members should contact Trident Global Assistance, the company that administers our Travel Assist benefits, before departing if they have questions about their coverage or to confirm if they’re covered for travel to their specific destination.

     

    Here’s how plan members can reach the Trident Global Assistance toll-free 24-hour emergency hotline:
     

    • In Canada or the U.S: 1-800-321-9998

    • Elsewhere: Call collect at 519-742-3287

       

    They should be prepared to provide the following information:

    • Name

    • Group policy number

    • Certificate number

    • Government health insurance plan number

       

    If a plan member arrived in Mexico before the travel advisory was issued and are past their day allowance, they should call Trident if they need to have their day maximum extended past the allowable period. 

     

    Equitable’s Travel Assist medical emergency coverage does not include any trip cancellation or trip interruption benefits.

     

    Communicating to plan members

     

    We are making every effort to share this information with affected plan members. Please encourage your clients who have Travel  Assist coverage included in their benefits plan to share this message with their plan members.

  4. [pdf] Annuity Settlement Option
  5. [pdf] Introducing Equitable
  6. Individual Wealth Marketing Materials
  7. Retirement Income Options from Equitable Life
    If you have clients who are reaching retirement age and have a Retirement Savings Plan or locked-in funds from a previous employer, the government requires them to convert these plans by December 31 of the year they turn 71.
     
    If your client is converting a plan, ask them about other existing assets. This is a great opportunity for your client to consolidate assets from other providers; and for you to discuss a lower management fee through Equitable Life’s Pivotal Select Preferred Pricing Program.
     
    For more information on the options available for clients who are reaching retirement age and the advantages of each, check out the following materials.
       
    To learn more about Equitable’s Preferred Pricing Program, please click here.
  8. Short and long-term income solutions from Equitable Life
    Do you have clients without a company pension plan, close to retiring and worried about outliving their savings? Have you talked to them about annuities? Maybe it’s time you did. 
     
    A payout annuity from Equitable Life® provides regular guaranteed income in retirement. Your clients can choose from
     
    • Life Annuity – guaranteed income for life
    • Joint Life Annuity – guaranteed income for two lives
    • Term Certain – guaranteed income for a specific period of time (5 to 30 years)
    • Term Certain to Age 90 – guaranteed income until age 90
     
    There’s no need for your clients to worry about stock market fluctuations or changing interest rates, what better time to add an annuity to your client’s retirement savings strategy.
     
    Payout annuities are an excellent solution for

       
    For more information on payout annuities, please click here.
     
     
  9. Update to DSC Reimbursement for WFG advisors

    Equitable Life now accepts WFG’s Commission Rebate Disclosure form instead of Equitable’s Deferred Sales Charge Reimbursement (DSC) Request Form (Form #1605). Allowing the use of WFG’s form will help streamline the process for WFG in submitting DSC reimbursements.

    Previously, any DSC reimbursement received from Equitable Life required WFG advisors to submit form #1605 and provide proof of the DSC charge from the relinquishing institution, along with a cheque for the reimbursement. The WFG disclosure form and cheque from WFG is now all that is required for the initial submission. Proof of the DSC charge from the relinquishing institution is not required in all instances, but may be requested by Equitable Life and must be available if requested.

    If you have any questions, contact your Regional Investment Sales Manager or Equitable Life’s Advisor Services Team Monday to Friday from 8:30 a.m. to 7:30 p.m. ET at 1.866.884.7427 or email savingsretirement@equitable.ca. 
  10. [pdf] FundSERV - Schedule "B" Commission Schedule