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Update - Travel Assist Coverage*
Last Friday, we announced that plan members with Travel Assist on their benefits plan will not be eligible for coverage if they departed the country after the Government of Canada issued its Global Travel Advisory.

When the Government issued its advisory late Friday afternoon, we felt an obligation to let prospective travellers know as soon as possible so they could make informed choices about their travel. Since then, we have been made aware of a number of situations where plan members were unable to change their travel plans and need our continued support.

To provide that support, we have revised our position. We will continue to cover plan members for all eligible emergency medical expenses, including those related to COVID-19, for trips outside Canada. Given the global situation is evolving quickly, we will continue to monitor developments and update you accordingly.

In spite of this, we strongly urge your clients to advise their employees not to travel outside of the country at this time. The risk is high and the options for returning to Canada are becoming limited. Further, we urge your clients to advise their employees who are outside the country to return to Canada earlier than scheduled, if possible.

If a plan member is currently travelling abroad and is experiencing symptoms or is hospitalized with suspicion of the coronavirus, they should contact Travel Assist at the numbers listed below for assistance and to confirm their coverage.
- Toll-free Canada/USA: 1.800.321.9998
- Global call collect: 519.742.3287
- Allianz Global Assistance ID #9089
We will continue to update you as the situation develops.

We will update the announcement on our Plan Member website to reflect this change.

We apologize for any confusion or inconvenience our earlier announcement may have caused.

*Indicates content that will be shared with your clients
Most employers staying the course on benefits during COVID-19
With businesses suffering hardship due to COVID-19, employers are turning to you for advice on their benefits plans during these difficult times. We’ve received numerous questions from advisors about changes our clients are making to their plans during this crisis.

So far, the vast majority of clients are standing pat and taking a wait-and-see approach. Plan amendments have been the exception – fewer than 1% of our clients have made COVID-19-related amendments as of mid-April. Almost all are clients with fewer than 50 lives.

We know that many of our clients have experienced layoffs, but hardly any have cancelled benefits. Fewer than 0.1% have terminated benefits to date.

Below is a snapshot of plan amendments and terminations relative to our overall block, and an overview of the types of amendments we’re seeing.

COVID-19-related plan changes on Equitable Life’s block of business

As of April 15, 2020

Have clients who need to make a change?

We know this is a difficult time for Canadian employers. If you have a client who needs to make a change to their plan, please contact your Group Account Executive or myFlex Sales Manager. We have a range of options to help them manage, and changes can be made quickly. The average turnaround time for COVID-19-related amendments is currently about four days.

We’re happy to work with each employer to understand the options that suit their specific situation best.
New segregated fund sales charge option from Equitable Life of Canada
On December 7, 2020 Equitable Life® will add a new No Load CB5 (NL-CB5) sales option with a 60-month chargeback schedule to the Pivotal Select™ segregated funds lineup. This new sales charge option complements the recently launched No Load CB (NL-CB) option which has a 36-month chargeback schedule.

This new sales option for Pivotal Select gives you and your clients five sales charge options to choose from: Low Load (LL), No Load (NL), No Load CB (NL-CB), No Load CB5 (NL-CB5) and Deferred Sales Charge (DSC). The addition of NL-CB5 provides an option for those advisors who want to increase the upfront portion of their commission. The benefit to clients is no Deferred Sales Charge to contend with. If your client chooses to withdraw funds within 5 years after purchase, there is a chargeback of commission to you.

By offering five sales charge options, the choice between three distinct guarantee classes (Investment Class (75/75), Estate Class (75/100) and Protection Class (100/100)), and a diverse selection of investment funds, the Pivotal Select contract provides the flexibility to build an investment solution that meets the needs of your clients.

Need to meet with your client online? Our EZcomplete® application makes it easy to process your non-face-to-face applications and do business with Equitable Life. 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.

For more information about Equitable’s NL-CB5 or any of Equitable’s products, contact your local Regional Investment Sales Manager or our Advisor Services team at 1.866.881.7427 Monday to Friday 8:30 a.m. – 7:30 p.m. ET or email savingsretirement@equitable.ca.

To learn more, click here.
Make room for more EDO room
Effective June 26, 2021, a term rider added to an Equimax Estate Builder® or Equimax Wealth Accumulator® policy may allow for an increase to the maximum Excelerator Deposit Option (EDO) payment limit.

Highlights:

● This enhancement will apply to adult single life Equimax Estate Builder and Wealth Accumulator policies where the Owner Signature Date on the application for insurance is June 26, 2021 or after.
● For the term rider to increase the EDO payment limit, it must be issued at the same time as the Equimax coverage.
● Term rider EDO payment limit assumes the term rider is held at least 10 years.
● The illustration system and EZcomplete application will calculate the maximum EDO payment including any increase from a term rider.
● Policies already issued do not qualify.

Full details about the changes can be found in the transition rules.

Who can benefit from this product enhancement?
Your clients who have a temporary insurance need and add a term rider to their Equimax plan may be able to take advantage of the additional exempt room and higher EDO payment limits to build the policy values. Make Equimax® your first choice for your clients’ whole life insurance needs.

New Illustration software is now available
The updated illustration software will be available for download after 9 a.m. ET on Friday, June 25, 2021.

Want more information?

● Learn more about the changes and transition rules
● Contact your Regional Sales Manager for more information on these changes and other sales ideas

® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
Ways to reduce net income after age 71 with Equitable Life
Your client is contacting you to ask how to reduce net income after age 71. While each client’s situation is unique, here are a few options to consider.
1. Clients with a spouse under the age of 71 can contribute to a spousal Retirement Savings Plan (RSP) up until December 31^st of the year the spouse turns 71; provided contribution room is available. This option can also work for those clients over the age of 71 with employment income. This can be useful for small business owners who are still making money over the age of 71 and forced to convert their RSP to a Retirement Income Fund (RIF) or Life Income Fund (LIF).
1. For clients with a RIF or LIF, they can strategically elect to use their spouses’ age to calculate the minimum RIF income payment (minimum and maximum for LIF). The idea being that if there is an age gap between spouses:
- Your client makes a RIF/LIF minimum payment lower by using the age of the younger spouse. This is beneficial to clients who do not need a lot of income from their RIF/LIF.
- Your client makes a LIF maximum payment higher by using the age of the older spouse. This is beneficial to clients who want to withdraw as much as possible from their LIFs each year.
To learn more, contact your Regional Investment Sales Manager.

® and ^TM denote trademarks of The Equitable Life Insurance Company of Canada
SMS is Available for Individual Insurance Application Updates If you haven’t opted in to receive your client's application status via text message, give it a try on your next application.

When you submit a client’s application, you can opt-in to receive text message updates for your new business applications. No need to log in to your advisor portal to know exactly what is going on with a case.

Once you opt-in to receive text messages, you will receive short text updates for your new business applications. That’s a text message when:
- The application is received,
- Equitable Life has made a decision,
- The policy is ready for delivery, and
- The commissions have been triggered.
Please note, this number is not monitored for incoming texts. Please contact Customer Service with any questions.

In addition to these messages, Equitable Life will continue to send proactive emails detailing outstanding requirements.

Be sure to opt-in to text messages when you complete your next application on EZComplete®.

We’ve recently made a number of changes to make doing business with us easy. Learn more about SMS and other ways we are making it easy to do business with us.

® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
Additional details for age and amount increase
Did you miss our Equimax update in December?
Equimax – a better and stronger solution!

Discover the latest Equimax updates

Great news! We’ve made further updates to our Equimax^® insurance solution to better serve clients.

Here are some of the changes:

● A new guaranteed 10 pay premium option for Equimax Wealth Accumulator^®.
● You can now add an Excelerator deposit option (EDO) on Equimax Estate Builder^® and Wealth Accumulator plans with a 10 Pay premium option (term rider not required at issue of the policy).
● We increased our flexibility with EDO. This will make it easier for clients to stop and start EDO contributions without losing their maximum approved contribution room. On top of that, these changes will apply to all inforce policies. A single set of EDO rules will apply to every Equimax policy whether it’s issued tomorrow or 10 years ago, making it simpler to help clients manage their policies.
● We increased the maximum amount of Equimax coverage that can be applied for without a special quote from $20M to $25M.

Equimax is now an even better and stronger solution. For a full breakdown of these product updates visit our splash page.

*Video available in English with French and Chinese sub-titles.

Please refer to our Transition Rules for all the details on processing your applications.

Need more information? Please contact your Equitable wholesaler.
Important cybersecurity readiness guidance As an advisor, you collect and store clients’ sensitive personal information. Protecting this information is essential. In July 2023, the Canadian Insurance Services Regulatory Organization (CISRO) released a guide on Cybersecurity Readiness. It includes tips on keeping this sensitive client data and your business systems safe.

Please read the guide in full. Also, check your own practices to be cyber ready and reduce your risk of an incident.

Some key tips in the guide include:

1. Make cybersecurity a priority: Stay alert to cyber threats. These can be suspicious emails, texts or calls. Make sure your team knows how to keep your data and systems safe and has clear, documented processes to follow.

2. Know what to protect: Understand what data and business systems need to be protected.

3. Identify the risks: Spot the risks in your practice and those from third-party service providers.

4. Implement security measures: Take steps to protect your data and business systems.

5. Be ready to respond: Know how to spot and react to cyber incidents. The guide has useful tips on creating a Cyber Incident Response Plan.

And lastly – if you receive client instructions electronically (by email, text, or messaging apps), always confirm these over the phone to ensure it’s really the client sending the instructions.

Keep your business and important client data safe by staying informed and alert. We encourage you to read the full Cybersecurity Readiness document to learn more about how to prepare for cyber threats.

In our industry, protecting clients’ sensitive data and systems is essential. Thank you for your commitment to cybersecurity!

^® or ^TM denotes a trademark of The Equitable Life Insurance Company of Canada.
The top individual insurance marketing materials! In 2025 there were five marketing pieces that advisors turned to most. If you haven’t seen them yet, now’s your chance to catch up. We want to help you connect with clients. These materials help make important topics easy to explain.

Top five individual insurance marketing materials:
1. 1024 Guide to individual underwriting. This guide shows how medical and non-medical conditions can affect insurance approvals.
2. 1038 Understanding participating whole life. Explains Equimax^® participating whole life insurance. It also discusses the Participating Account, how dividends are calculated, and how they can impact a policy.
3. 1343 Evidence of insurability. Includes a chart showing the underwriting rules for life insurance products.
4. 1530 Temporary resident underwriting guidelines. This is a list of the documents temporary residents need when applying for individual insurance.
5. 1505 Dividend scale interest rate 30-year historical performance. This chart shows Equitable’s dividend scale interest rate history. It also compares our dividend scale rate to other major economic indicators.

For a list of all our marketing pieces visit our marketing materials page on EquiNet.

Have further questions? Your Equitable Wholesaler is here to help!