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  1. New! Evidence of Insurability Schedule We are pleased to announce Equitable’s new Evidence of Insurability Schedule. The new schedule applies to all life and critical illness insurance applications signed on or after October 5, 2024.   

    Here are the benefits to you:

    ●  New chart is easier to read with more clarity and transparency.
    ●  ECG and TST are no longer routinely required for Life applicants.
    ●  Blood and urine requirement is streamlined for Life applicants.
    ●  Detailed underwriting requirements for higher coverage amounts and mature applicants.

    Please refer to the new Evidence of Insurability schedule (Form #1343) for full details.

    Equitable® has the right to ask for more evidence of insurability. We will do this if we feel it is needed to assess the risk. 





    Key changes – Age and amount requirements 

    Life applicants:

    ●  Resting ECG: No longer a routine age and amount requirement. This may still be requested at our underwriter’s discretion.
    ●  Treadmill ECG: No longer required at any age or amount.
    ●  Standalone Urine: Standalone urine changed to blood and urine at $100,001 and $500,000 coverage amounts for clients over age 55.
    ●  Mature Age Focus Interview (MAFI): New for clients aged 75+. As part of the paramedical, we will assess the applicant’s Activities of Daily Living, social activities, and word recall ability.

    Life and Critical Illness applicants:

    ●  For clients aged 70+, evidence is now valid (recent) if completed within the past 6 months. For all other applicants (ages 18-69), there is no change – evidence is valid if completed within the past 12 months.

    Financial/Third-party verification

    Reminder – this is required for life insurance amounts over $5M. Our underwriting team will be pleased to assist you with this step.

    Questions? Please contact your Equitable wholesaler or reach out to our underwriting team.



    ® or TM denotes a trademark of the Equitable Life Insurance Company of Canada.
  2. Open doors with our updated CI & UL solutions! Have you heard the news? On October 8th, we rolled out several updates to our competitive Equitable® product lineup—including our Critical Illness (CI) and Universal Life (UL) plans. 

    These updates are all about cost savings for clients and helping advisors like you grow your business. And the response has been fantastic!


    What’s new for CI and UL?

    1. Lower monthly costs for new EquiLiving® critical illness (CI) policies paid monthly – hello savings!

    •    The monthly modal factor for CI decreased from 0.09 to 0.0867.
    •        The monthly policy fee decreased from $4.50 to $4.34.

    *Note:  EquiLiving premium rates and annual policy fees have not changed. 

    2. Lower monthly costs for UL policies with CI riders added – now it’s more affordable to add CI coverage when selling UL!



    Commissions got a makeover too

    Good news! Commissions on Term and EquiLiving CI policies are now calculated based on the total premium paid for the policy year—even if clients opt for monthly payments. No more annual premium commission calculations!

    Learn more! 

    Questions? Contact your Equitable wholesaler for all the details.

    Cheers to savings and growing your business with Equitable!





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

  3. Equitable receives FundGrade A awards for outstanding performance Equitable® is thrilled to announce that several of our funds have received Fundata FundGrade A awards for their exceptional performance in the first half of 2025.

    The FundGrade rating system is a great tool for identifying top-performing funds. This recognition highlights our commitment to providing high-quality investment options to clients.

    And the winners are…
    The following funds from Equitable's lineup have received a FundGrade A rating this year:

    Pivotal Select:
    Personal Investment Portfolio/Pivotal Solutions:
    • Equitable Life Invesco Global Bond Fund


    An enhanced fund performance page
    Equitable has also introduced several new features to our fund performance page to enhance user experience. These updates include:
    • Printable performance reports: Easily accessible and printable reports for detailed fund performance.
    • Equity and Fixed Income breakdowns: Detailed breakdowns by fund displayed on the Fund Details tab.
    • Fund Category display: Clear display of fund categories on the Fund Details tab.
    • Filter enhancements:
      • New “Risk Rating” filter.
      • New “U.S. Equity” filter.
      • Renamed “Domestic Equity” to “Canadian Equity”.
      • Moved “Index Funds” and “Portfolio Solutions” out of asset class filters into “Additional filters”.

    For more information on these funds and their performance, and to see the latest enhancements, visit our Fund Performance page.

    Questions? Contact your Director, Investment Sales.

    FundGrade A is used with permission from Fundata Canada Inc., all rights reserved.
    Date posted: June 10, 2025
  4. Sharpen your skills with Equitable’s Path to Invest summer learning modules

    Want to stay ahead, bring more value to clients, and earn Continuing Education (CE) credits?

    Equitable® now offers new online summer modules to help you grow your financial knowledge. These self-paced Path to Invest modules are available on our ON24 platform. You can learn on your own schedule and earn CE credits with ease.

    Whether you want to boost your investment skills or have better client conversations, these courses are here to support your growth.

    The first module, Index Investing, explores the basics of index investing, how it compares to active management, and how using indexes can help diversify client portfolios.

    The second module, Saving for a Home with Equitable, equips you with strategies and tools to guide clients through the homebuying journey, including insights on savings vehicles, intergenerational wealth transfers, and mortgage planning.

    Each course is approved by the Alberta Insurance Council and the Insurance Council of Manitoba. You will earn 1 CE credit for each course after passing the quiz.

    Start learning today! Visit our Learning Centre to begin. 

    If you have any questions, reach out to your Director, Investment Sales. When we work together, success is mutual.


    Continuing Education Credits
    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. It is the advisor's responsibility to ensure Continuing Education credits being offered are accepted by the licensing body. Alberta Insurance Council (AIC) credits are valid in Yukon, British Columbia, Alberta, Saskatchewan, Ontario, New Brunswick, Prince Edward Island and Nova Scotia. Insurance Council of Manitoba (ICM) credits are valid in Manitoba only.

    Date posted: July 17, 2025

  5. Equitable’s DSIR leads the way
    Equitable® offers a 6.40% dividend scale interest rate (DSIR) – the best in our industry1. But our DSIR is only one of the many benefits of choosing Equitable!

    Why choose Equitable?
    • Equitable proudly leads the way: We are the #1 seller of PAR whole life policies in Canada2!
    • Our top DSIR: Helps clients save for the future and builds lasting value.
    • Our Canadian heritage: Established in 1920, we are 100% Canadian-owned, based in Canada and dedicated exclusively to serving the needs of the Canadian market.
    • Our financial strength & growth momentum: We invest with care, keeping clients’ savings safe and growing over time.
    • Our mutuality: As a mutual, our clients come first – and eligible clients share in our success through dividends3.
    • Our service & support: We offer great service, easy-to-use digital tools, and support at every step, making Equitable a trusted choice for clients and advisors alike.

    In client meetings, be sure to share these outstanding benefits with clients. Doing so can demonstrate real value and boost your sales.

    Questions? Reach out to your Equitable wholesaler or visit EquiNet. We’re ready to help you succeed.

    Resources:
    The Power of Together (Video)
    5 Reasons to choose Equitable (1271)
    Dividend Scale Announcement - 2024/2025

    1 Source: Latest posted DSIR data on competitor websites – 2025.
    2 Source: LIMRA – Canadian Individual Life Insurance Sales Participant Report - Q4 2024.
    3 Dividends are not guaranteed and are paid at the sole discretion of the Board of Directors. To learn more about our dividend policy and participating account management policy, please visit www.equitable.ca/en/already-a-client/dividend-information/
     
  6. Tax impacts of the Canadian Dental Care Plan for your clients

    Tax impacts of the Canadian Dental Care Plan for your clients*


    Earlier this year, the government shared its progress on the Canadian Dental Care Plan (CDCP). 

    The CDCP will be available to Canadians with an annual family income of less than $90,000 who do not have dental benefits. Co-pays will be waived for eligible Canadians with a family income of less than $70,000. 

    Canadians who have access to private dental coverage are not eligible for the CDCP. This means that your clients must now report on T4s/T4As if dental coverage** was available on December 31 of the reporting tax year for:
    • Employees,
    • Employees’ spouses and/or dependents,
    • Former employees, and
    • Spouses of deceased employees.
    **Potential dental coverage includes Health Care Spending Accounts.

    This new tax reporting requirement is mandatory starting with the 2023 tax year. Employee tax slips will include new boxes for employers to complete:
    • Box 45 (T4): Employer Offered Dental Benefits. This new box will be mandatory.
    • Box 015 (T4A): Payer Offered Dental Benefits. This new box will be mandatory if plan sponsors report in Box 016, Pension or Superannuation. The box will otherwise be optional.
    Your clients should complete the boxes using the code system below. They should choose the appropriate code based on whether Dental coverage was available to the plan member – not whether the plan member has chosen to participate in the coverage.  For example, if a plan member has waived coverage or has chosen not to participate in the plan, they would still have access to coverage.
    • Code 1: The plan member has no access to dental care insurance or coverage of dental services of any kind.
    • Code 2: Only the plan member has access to any dental care insurance, or coverage of dental services of any kind.
    • Code 3: The plan member, their spouse and their dependents have access to any dental care insurance, or coverage of dental services of any kind. 
    • Code 4: Only the plan member and their spouse have access to any dental care insurance, or coverage of dental services of any kind. 
    • Code 5: Only the plan member and their dependents have access to any dental care insurance, or coverage of dental services of any kind. 
    Your clients can find further information about completing tax slips for employees on the Canada Revenue Agency’s website:

    Reports for dependents

    We have a report available for plan members who have enrolled their dependents in benefits coverage. Your clients can contact their local service team representative to receive a copy of the report. We are working to make it available on our Advisor and PA websites.
     

    Questions

    For guidance on your tax slips and reporting obligations, please encourage your clients to contact their accountant, payroll provider or tax advisor.
     

    Supporting plan members affected by the Israeli-Palestinian conflict*


    Traumatic events continue to unfold in the Middle East. Enduring ongoing news of conflict and suffering could challenge many Canadians. During this difficult time, Equitable encourages affected clients and plan members to access the mental health support they need. 


    Support available to all Equitable plan members

    Large-scale traumatic news events can cause people to experience intense reactions. This puts a lot of strain on their mental health. Having coping mechanisms to deal with the current crisis can be a huge help. Any Equitable Life plan member who needs mental health support can visit Homeweb.ca/equitable to access online resources or contact Homewood at 1.888.707.2115.  
     

    Support available to plan members with the Homewood Health EFAP

    For your clients that have purchased Homewood Health’s Employee and Family Assistance Program (EFAP), remind them that their plan members also have access to confidential counselling services. The EFAP provides plan members with 24/7 access to confidential counselling through a national network of mental health professionals. Whether it’s face-to-face, by phone, email, chat or video, plan members and their dependent family members will receive appropriate, timely support for the issue they’re dealing with. 
      

    Questions? 

    If you need more information, contact your Group Account Executive or myFlex account executive.

    *Indicates content that will be shared with your clients. 
  7. Responding to Ontario’s biosimilar switch initiative

    We are changing coverage for some biologic drugs in Ontario in response to the province’s biosimilar initiative. These changes will help protect your clients’ plans from additional drug costs that may result from this government policy while providing access to equally safe and effective lower-cost biosimilars.

    Ontario’s provincial biosimilar initiative
    Announced in December 2022, Ontario’s biosimilar switch program ends coverage of eight biologic drugs for Ontario residents covered by the Ontario Drug Benefit (ODB). The transition to biosimilar versions of these drugs began on March 31, 2023. ODB recipients using these drugs will be required to switch to biosimilar versions of these drugs by December 29, 2023, to maintain their provincial coverage

    Equitable Life’s response
    To ensure this provincial change doesn’t result in your clients paying additional and avoidable drug costs, we are changing coverage in Ontario for most biologic drugs included in the provincial initiative.

    Beginning October 1, 2023, plan members in Ontario will no longer be eligible for most originator biologic drugs if they have a condition for which Health Canada has approved a lower cost biosimilar version of the drug.** These plan members will be required to switch to a biosimilar version of the drug to maintain coverage under their Equitable Life plan. 

    Communicating this change to plan members
    We will inform any affected plan members in early August of the need to switch their medications so that they have ample time to change their prescriptions and avoid any interruptions in treatment or coverage. 

    Will this change impact my clients’ rates?
    Any cost savings associated with the change will be factored in at renewal.

    What is the difference between biologics and biosimilars?
    Biologics are drugs that are engineered using living organisms like yeast and bacteria. The first version of a biologic developed is known as the “originator” biologic. Biosimilars are highly similar to the drugs they are based on and Health Canada considers them to be equally safe and effective for approved conditions

    Questions?
    If you have any questions about this change, please contact your Group Account Executive or myFlex Sales Manager.

    ** The list of affected drugs is dynamic and will change as Ontario includes more biologic drugs in its biosimilar initiative, as new biosimilars come onto the market, and as we make changes in drug eligibility.
  8. Digital tools for your clients and their plan members

    In this issue:

    • Digital tools for your clients and their plan members*
    • QDIPC updates terms and conditions for 2024*
    *Indicates content that will be shared with your clients.
     

    Digital tools for your clients and their plan members*

    Do your clients know how to use all the available digital tools in their Equitable® benefits plans? With useful features for both plan administrators and their members, it’s even easier for your clients to access their plans online. 

    Tools for plan administrators

    • Our online plan member enrolment tool lets groups and administrators add new plan members online without completing paper forms
    • The EquitableHealth.ca plan administrator portal makes it easy for plan administrators to manage their plan anytime and anywhere. Helpful features include:
      • A premium calculator to calculate monthly costs for plan members
      • A simple process for updating plan member information
    • Digital welcome kits provide personalized information directly to plan members through email
    • Easy, automated payment options help plan administrators avoid missed payments by offering pre-authorized debit or electronic funds transfer

    Tools for plan members

    • Our plan member portal at EquitableHealth.ca provides secure, 24/7 access to claims history and coverage details. It also lets members submit claims, and includes health and wellness resources
    • Electronic notifications and claims payments give plan members claim updates via email and deposit payments directly into their bank account
    • The Equitable EZClaim® mobile app lets plan members submit claims quickly and securely on-the-go from their mobile device
    • Digital benefits cards give plan members the convenience to access their benefits cards easily from a mobile device

    Help with digital benefits tools

    We’ve created a brochure and video guide to help plan members use digital tools for a smoother, more convenient benefits experience. 

    Plan members can contact us at 1.800.265.4556 and select the option for Web Support if they need further assistance.
     

    QDIPC updates terms and conditions for 2024*

    Every year, the Quebec Drug Insurance Pooling Corporation (QDIPC) reviews the terms and conditions for the high-cost pooling system in the province.

    Based on its latest review, QDIPC is revising its pooling levels and fees for 2024 to reflect trends in the volume of claims submitted to the pool, particularly catastrophic claims. These updates take effect January 1, 2024. You can view the updates here.

    We will apply the new pooling levels and fees to future renewal calculations that involve Quebec plan members.

    If you have any questions, please contact your Group Account Executive or myFlex Account Executive.

     
  9. 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

  10. Choosing the right funds