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RxFood nutrition app added to all group benefits plans
In this issue:
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RxFood nutrition app added to all group benefits plans*
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Coming soon: Coverage information at plan members’ fingertips on EquitableHealth.ca*
*Indicates content that will be shared with your clients.
RxFood nutrition app added to all group benefits plans
Equitable® has added the RxFood nutrition app to all group benefits plans at no extra cost—giving every plan member more opportunity to make healthy and informed food choices.
RxFood is Canada’s first clinically validated nutrition platform that’s used and trusted by leading health care institutions across the country, such as SickKids Hospital and Diabetes Canada, to help support better health outcomes through nutrition.
Using technology powered by artificial intelligence, RxFood turns everyday meals into personalized insights, practical tips and tailored recommendations that are easy for plan members to act on and build into their routines.
For more information, read our previous eNews article.
Promoting RxFood to plan members
This week, clients will receive a digital toolkit to help them encourage plan members to register for RxFood. Plan members must register to access this free benefit.
The toolkit includes an RxFood brochure, a poster, an email template plan administrators can use to help spread the word, and the video below.
Coming soon: Coverage information at plan members’ fingertips on EquitableHealth.ca
Starting this month, Equitable plan members will be able to find helpful information about their health coverage more quickly and easily. We’re putting the key details at their fingertips on the EquitableHealth.ca® home page.
Faster access to health coverage details
Our new coverage panel will provide plan members fast access to information about their paramedical coverage for themselves and their covered dependants – including coverage maximums, reimbursement details and more.
Plan members with Health Care Spending Accounts or Taxable Spending Accounts will also be able to check their balances from the home page.
Later this spring, we’ll add information about vision and dental benefits to the coverage panel, too.
Simpler way to find benefits resources
We’re also making it easier for plan members to access key resources. Benefits cards, booklets and other important sections of the site will now be linked directly from the home page.
The video below walks plan members through the new features:
More new features to come
The coverage panel and resources section are the latest enhancements to our new plan member web experience, which we launched last fall. We’ll continue introducing more self-serve features this year.
To learn more about our enhanced plan member home page, contact your Group Account Executive or visit Equitable.ca/effortless.
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100 years strong
As COVID-19 continues, we want to reassure you that Equitable Life remains financially strong and committed to supporting our clients.
We are financially strong and stable
Our commitment to your health, wealth and overall well-being remains unchanged. This global pandemic has impacted the way we do business, but we continue to focus on our strategic goals while meeting the needs of Canadians. These three factors speak to our financial strength and stability:
• Equitable Life has a global credit rating of ‘A’ with a positive trend from DBRS Morningstar in recognition of our ability to adapt to the current business environment and prudent risk profile;
• We are maintaining our current dividend scale for the period July 1, 2020 to June 30, 2021; and
• Our Life Insurance Capital Adequacy Test (LICAT) ratio remains well above our goal and the minimum that is required at 152.5% at the close of the first quarter.We pride ourselves on our customer service
Being recognized for its service culture across all lines of business is a point of pride for a company that includes ‘customer focus’ as one of its three corporate values. In 2019, our dedication to customer service was recognized with these outstanding survey results, proving we have the We have the knowledge, experience and ability to find solutions that work for you:- Equitable Life ranked in the top quartile for segregated fund service in 2019 survey of advisors and MGAs1 ;
- In a 2019 survey of customers from 15 life insurance companies,2 Equitable Life ranked #1 on the Net Promoter Score, a measure used across industries to gauge the loyalty of a firm's customer relationships; and
- A survey of Group consultants, brokers and third-party administrators 3 ranked Equitable Life in the top two insurers across all categories.
We have adjusted our business to become digital
Since the pandemic began, our IT and operations teams have digitally enhanced more than 20 different processes and services to make it easier for us to integrate with our distribution partners in this new reality. Our sales and customer service teams remain open and available to support you and your customers.
We are here with you and for you- To commemorate our 100th Anniversary this year, we donated $4.5 million to purchase and install a new MRI for Grand River Hospital and, as part of our Equitable Gives Back Contest, we donated $50,000 – $10,000 each – to five charities in British Columbia, Alberta, Manitoba, Ontario and Quebec. As well, we are celebrating by randomly selecting policyholders to receive a $100 and three grand prizes. For more information about our celebrations, check out our website at www.equitable100.ca.
As the global situation continues to evolve, rest assured that Equitable Life is unwavering in our commitments to you and the communities we serve. We are here with you and for you.
2 LIMRA CxP Customer Experience Benchmarking Program, Life Insurance In-Force Experience 2019
3 NMG Consulting’s Canadian Group Benefits Survey 2019
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Important notice: Funds with Deferred Sales Charges
The Canadian Council of Insurance Regulators (CCIR) is requiring all insurance companies to discontinue the sale of segregated funds with deferred sales charges (DSC) effective June 1, 2023. This also impacts ongoing or new deposits to some existing segregated fund accounts. Please contact any Equitable Life clients who may be impacted.
How this impacts clients:
In response to the insurance regulator’s recommendation, Equitable Life® will be making changes to the administration of certain segregated fund products, which may impact clients. The details are outlined below:
Pivotal Select™ segregated fund product
On or about May 29, 2023:- Funds with DSC or Low Load (LL) sales charge options will be closed to additional deposits. Future deposits must be allocated to the No Load (NL) sales charge option of the funds available within the policy.
- Any existing amounts held in DSC or LL funds are not impacted and will retain the existing deferred sales charge schedule outlined in a client’s contract. The annual 10% available (20% for RIF policies) for withdrawal without fees continues to apply through to the expiry of the fee schedule.
- If the default deposit instructions that a client previously provided include funds with DSC or LL sales charge options, these instructions will be automatically updated to the NL sales charge option of the same fund for all future deposits.
- If a client has pre-authorized scheduled deposits into funds with the DSC or LL sales charge options, these instructions will be automatically updated to the NL sales charge option of the same funds for all future deposits.
- In alignment with our current administrative rules, if a client has DSC or LL funds, they will not be able to make deposits into No Load Chargeback funds (NLCB and NLCB5) within the same policy.
Legacy segregated fund products
Ongoing deposits to DSC funds are permitted when a segregated fund product does not have an alternative sales charge option available within the contract. This applies to the following products:- Personal Investment Portfolio
- Pivotal Solutions II
- Pivotal Solutions DSC
If a client plans on making additional deposits, they may be interested in alternative sales charge options that do not include DSC. For example, Equitable Life offers “No Load” (NL) and “No Load Chargeback” (NLCB and NLCB5) sales charge options within the Pivotal Select segregated fund contract. In these situations, a new application would need to be completed and submitted.
Please note that draft regulation in Quebec is currently under review which may impact Equitable Life’s approach for Quebec clients with legacy segregated fund products.
Equitable Life will continue to monitor provincial regulatory developments and adjust our approach as needed.
Client communication
We will be sending clients a letter within their December 31, 2022, statement describing their options, and the impacts to their policy (if applicable). We recommend that you contact clients to discuss the contents of Equitable Life’s letter and provide any advice that they may need regarding ongoing deposits to their segregated funds. You can access a copy of the client letter here:If you have any questions, please reach out to our Advisor Services Team at 1.866.884.7427.
December 23, 2022
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