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1. Insights from a pandemic: STD claims during COVID-19

   The spread of COVID-19 has had a significant impact on short-term disability (STD) claims. We’re providing an update on what we’ve seen so far in terms of STD experience on our block.

   Claim volumes

   Initially, as COVID-19 started to spread, STD claims ramped up quickly as plan members tested positive for or developed symptoms associated with the virus and were unable to work. Overall, we saw a 34% increase in the volume of claims on our block in Q1, compared with the first quarter of 2019, primarily due to COVID-19-related claims.

   Since then, we’ve seen the number of COVID-19-related STD claims slow. Claims levelled off to a 21% year-over-year increase by the end of May. We haven’t seen any meaningful increase in STD claims related to mental health.

   Most of the COVID-19-related STD claims so far have been in the manufacturing, retail and healthcare and social assistance sectors where physical distancing can be challenging.

   Somewhat surprisingly, Alberta had for the largest share of STD claims on our block, accounting for 40% of claims, followed by BC with 28% and Ontario with 21%.

   Claim durations

   While STD claim volumes have increased, we’ve seen a notable decrease in claim durations so far this year. As of the end of May, 59% of closed claims resolved in the first two weeks, compared with only 20% the previous year. This is expected given the nature of COVID-19 and that, for most people, symptoms dissipate within about two weeks./p>

   Of the STD claims we’ve approved, approximately 25% were paid for the full 14 days. In most cases, this meant the plan member had tested positive for COVID-19.The remaining 75% of paid claims were paid based on the elimination period in the contract, with the most common elimination period of 7 days accounting for 35% of paid claims.

   We will continue to provide timely updates on any development/p>

2. Paper Pivotal Select applications (Form #1383 and #1384)

   
   On April 27, 2020 Equitable Life® launched its NL-CB sales charge option to its Pivotal Select™ segregated fund lineup. The new option provides an additional choice to the existing Low Load (LL), No Load (NL) and Deferred Sales Charge (DSC) selections. To reflect the new sales charge option, Pivotal Select applications (Form #1383 and #1384) were updated.
   
   The paper Pivotal Select applications (Form #1383 and #1384) with a version date prior to 2020/04/27 (located on the back page and in the bottom right-hand corner of the application) will no longer be accepted as of July 1, 2020. If you currently have applications with a date that is before 2020/04/27, please destroy them and order new applications from our Supply Team. To order new applications, click here.
   
   Want to be sure you always have the most up-to-date application? Try our EZcomplete® online application platform. EZcomplete makes it easy to process your non-face-to-face applications and allows your clients to provide their signature remotely on their own device.
   
   For more information about the NL-CB sales charge option, please click here. For more information about Equitable Life’s EZcomplete, click here.

3. Tools to manage mental health

   As we all continue to manage the impacts of the COVID-19 pandemic, it’s important to remind your clients of the valuable supports available to help their plan members cope through this challenging time.

   Free trusted information and COVID-19 resources

   Our partner FeelingBetterNow® is responding to the pandemic by providing trusted public resources that offer mental health support. They are available to anyone 24 hours a day, seven days a week, and include:

   • What to do if you’re anxious or worried about COVID-19;
   • Resources for parents and caregivers; and
   • National and Provincial Public Health resources.

   Access COVID-19 resources from FeelingBetterNow.

   FeelingBetterNow Mental Health Assessment

   In addition to these public resources, Equitable Life clients with FeelingBetterNow as part of their group benefits plan have access to online mental health resources. FeelingBetterNow can help plan members identify their risk for mental health concerns and work with their doctor on diagnosis and treatment. It’s an anonymous tool developed by mental health experts which provides:

   • Emotional and mental health assessments;
   • Practical, evidence-based tools employees and their doctor can use to assess, treat, and follow-up on emotional and mental health concerns; and
   • Convenient online access to information and effective resources.

   FeelingBetterNow is easy to use and completely anonymous. It takes less than 20 minutes to complete the assessment and view your results.

   Learn more about FeelingBetterNow, then contact your Group Account Executive or myFlex Sales Manager to discuss how your clients can add this service to their plan.

4. REMINDER that paper applications with a version date prior to 2021/04/02 are set to expire July 1, 2

   To comply with the Government of Canada’s anti-money laundering legislation and FATCA/CRS changes, Equitable Life® has updated its Savings and Retirement and Life Insurance applications.

   If you currently have applications with a version date before 2021/04/02, please destroy them and use our online pdf applications or order new applications from our Supply Team. Paper applications with a version date prior to 2021/04/02 (located on the back page and in the bottom right-hand corner of the application) will no longer be accepted after July 1, 2021 for:
   
              ● Savings and Retirement (Form #1383, #1384, #799, #355), and
              ● Life Insurance (Form #350)

   
   Want to be sure you always have the most up-to-date application? Try our EZcomplete® online platform for Individual Life, Critical Illness and Segregated fund applications.
    
   For a complete list of all forms and applications affected by the anti-money laundering legislation, refer to the following links:
   
   ● Savings and Retirement Anti-money Laundering Legislation Requirements Summary.
   ● Life Insurance Anti-money laundering Legislation Requirements Summary.

   To learn more about the Government of Canada’s anti-money laundering legislation and FATCA/CRS review the following links:
   ● Government of Canada - Guidance on the Common Reporting Standard
   ● Financial Transactions and Reports Analysis Centre of Canada
    
   If you have any other questions, contact your Regional Sales Manager or Equitable Life’s Advisor Services Team
    
   ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
    
5. The value of Equitable Life’s EZcomplete online application for Pivotal Select
   Necessity is the mother of invention. And COVID-19 has taken Equitable Life’s® EZcomplete® online application to the next level. Prior to the pandemic, EZcomplete was touted as being convenient and easy to use. Well, it is. But now…it is so much more.
   
   Whether secure in an office or safe at home, EZcomplete’s non face-to-face capabilities include an alternative to physical verification. EZcomplete simply requires verification of ID using a third-party service provider. The third-party service provider completes the verification behind the scenes using information that was already required to complete an application. By removing the physical ID requirements, the ID verification process has been automated and simplified.
   
   EZcomplete’s electronic signature functionality is also easy and secure. To enable a remote signature, your client just provides an e-mail address. Your client will receive a link and security code that you provide. The client enters the code, reviews the application and e-signs the documents.
   
   Step by step directions ensure you have the right details without any confusing or unnecessary questions. Highlighted fields alert you to any missing information, eliminating any extra work or effort. The immediate processing also helps make it an attractive resource.
   
   
   
   Whether selling segregated funds face to face or from the comfort of home, Equitable Life’s EZcomplete online application and Pivotal Select™ segregated fund line up provide the solution for even the most rattled and weary investor. Learn more, visit EquiNet or contact your Regional Investment Sales Manager.
    
6. Competitive GIA rates and more!
   With many bond funds declining in value over the past year, clients are looking for fixed income alternatives to reduce portfolio risk while providing a principal guarantee and an attractive interest rate.  
   
   Equitable Life® Guaranteed Interest Account (GIA) investment options are ideal for clients who want to create an emergency fund or save for a special purchase. And we’ve recently increased interest rates to make our GIA options even more competitive! 
    
   A few reasons to consider Equitable Life for your GIA business:
   • The GIA advantage – a life insurance contract can provide many estate planning benefits.
   • Industry-leading compensation – we currently pay 40bps of commission per year of term.¹ Many competitors only offer 20 – 25bps per year of term.²
   • Cashable option³ – allows clients to access their money in case of unexpected circumstances. Not many competitors offer this feature.²
   • Advisor rate discretion – advisors can forego up to 40bps of commission for an equal increase in interest rate, making our great rates even better.
   • Win-Win – our GIAs allow you to give the client a better interest rate while still earning a good commission.
    
   
    
   For more information, please contact your Equitable Life Regional Investment Sales Manager.
    
     
   ¹ Equitable Life commission rates as at May 19, 2022.
   ² Competitive information as at November 20, 2021; Equitable Life does not guarantee the accuracy of competitive information.
   ³ Withdrawals made prior to the maturity date will be subject to a market value adjustment and may be subject to tax.
    
   ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
    
    
7. Give clients guaranteed retirement income with Payout Annuities
   With increased market volatility and interest rates higher than we have seen for much of the past decade, now is a great time to consider payout annuities. Payout annuities can provide regular guaranteed income regardless of how markets perform. 
    
   Clients using only a Systematic Withdrawal Plan (SWP) for retirement income are potentially vulnerable during times of market volatility due to the sequence-of-returns risk.¹ When markets are down, more units are redeemed to cover income needs. When markets later rise, clients are not able to participate fully in the recovery because more units were redeemed to provide income. That is why having a guaranteed income component, like a payout annuity, as part of an overall retirement strategy is so important.
    
    
   Three great reasons to consider Equitable Life® for your payout annuity business:
   
   1. Choose from a variety of payout annuity options including:
      
        A. Life Annuity – guaranteed income for one life
        B. Joint Life Annuity – guaranteed income for two lives
        C. Term Certain – guaranteed income for a specific period of time (5 to 30 years)
        D. Term Certain to Age 90 – guaranteed income until age 90
   
   2. Attractive rates, particularly in Registered and Term Certain Annuities
   
   3. Step Up Your Wealth Sales program - 25% of payout annuity net sales qualify for the 0.75% bonus commission earned on net deposits for 2022²  
   
   
   
   For more information, please contact your Equitable Life Regional Investment Sales Manager.
    
    
   ¹Sequence-of-returns risk, or sequence risk, is the risk that an investor will experience negative portfolio returns very late in their working life and/or early in retirement.
    ²All eligible deposits, sales, and redemptions occurring between January 1 and December 31, 2022, will be used to calculate an advisor’s 2022 net deposits.
    ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
8. Build more meaningful connections with help from Equitable and Franklin Templeton Academy

   Equitable® Savings & Retirement and Franklin Templeton Academy have teamed up with two On-Demand webcasts that can easily fit into any summer schedule.
   
   Reaction to Reason
   Emotional intelligence is the capacity to be aware of, control, and express one's emotions, and to handle interpersonal relationships judiciously and empathetically.
   
   Jenn Louth, Senior Learning Consultant, will discuss how advisors can incorporate emotional intelligence into their practice to foster deeper client relationships.  
   
   Register to watch
   
   
   The Intergenerational Divide
   It’s critical to develop meaningful relationships with valued clients’ families, loved ones, and heirs.
   
   Presented by Jocelyn Duncan, Learning Consultant, this session is designed to help you build a bridge with the next generation and equip you with tools and resources.
   
   Register to watch
   
   Join your host, Joseph Trozzo, Investment Sales Vice President, Equitable, along with the Franklin Templeton Academy this summer to learn how you can foster deeper client relationships and more meaningful connection in your practice.
   
   Continuing Education Credits
   These webcasts have been accredited for 1 Life continuing education (CE) credit with the Insurance Council of Manitoba and Alberta Insurance Council for all provinces excluding Quebec. To be eligible for CE credits, you must register individually, watch the webcast in full and complete a short quiz. These webcasts are available in English only.
   
   Date posted: July 17, 2024

9. Equitable offers a fresh approach to guaranteed investing

   
   Please take a few minutes to watch the video.  
   
   
   Equitable’s Daily Interest Account and Guaranteed Interest Accounts offer a fresh client-focused approach within a digital business solution.  
   
   Clients will appreciate:  

   • • Market leading¹ interest rates with even higher rates available for larger deposits  

   • • A full suite of available account types including the First Home Savings Account, and 

   • • Options to invest up to age 95². 

   
   
   
   
   Advisors will value: 

   • Enhanced rate guarantees to secure the best rates available for clients, 

   • An easy digital application process using Equitable’s EZcomplete^® and, 

   • A simplified product design to save you time. 

   
   Equitable^® is committed to offering valuable guaranteed investment solutions in a competitive market. Our fresh approach to guaranteed investing makes Equitable’s Daily Interest Account or Guaranteed Interest Account an easy choice.  

   Learn more about Equitable’s Daily and Guaranteed Interest Accounts  

    

    

   1 Equitable has made every effort to ensure accuracy of competitive information as of July 22, 2024. Accuracy is not guaranteed. 
   2 Some available term lengths may be limited starting at age 90.  

   ® or ™ denotes a trademark of The Equitable Life Insurance Company of Canada.  
   
   Posted July 22

10. Secure your GIA rate with Equitable today! The Bank of Canada (BOC) recently cut its key interest rate for a second time this year to 4.5%. As inflation cools and the BOC hints at more interest rate cuts this year, the time has never been better to secure a Guaranteed Interest Account (GIA) rate.
    
    Equitable’s fresh client-focused approach to guaranteed investing means:
    • market leading interest rates¹, with even higher rates available for larger deposits,
    • a full suite of available account types including the First Home Savings Account, and
    • options to invest up to age 95².
    “This is a great opportunity for clients and advisors,” said Cam Crosbie, Executive Vice President of the Savings and Retirement Division at Equitable^®. “These are safe and secure investment solutions with potential for creditor protection, estate planning benefits, and so much more.”
    
    GIAs are simple fixed-income investment products that can provide increased choice and value to a client’s portfolio. Choosing Equitable provides competitive interest rates and protection from market volatility. For more information visit EquiNet^® and don’t forget to register for our interest rate change alert email.
    
    ¹ Equitable has made every effort to ensure accuracy of competitive information as of July 22, 2024. Accuracy is not guaranteed. 
    ² Some available term lengths may be limited starting at age 90.
    ^® or ™ denotes a trademark of The Equitable Life Insurance Company of Canada.  
    
    Posted August 15