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1. Life Policy Collateral Loans
2. [pdf] Collateral Assign List
3. [pdf] Limited Trading Authorization
4. 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 100^th 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.
   ¹ Life Ops Consulting Group Distribution Service Satisfaction Surveys 2015-2019, Independent Advisors
   ²  LIMRA CxP Customer Experience Benchmarking Program, Life Insurance In-Force Experience 2019
   ³ NMG Consulting’s Canadian Group Benefits Survey 2019
    
5. Equitable Life Group Benefits COVID-19 Update

   The test of a great partner is one who stands tall when you and your clients need to rely on them most. As the COVID-19 pandemic continues, we thought you might find it helpful to have a summary of where we are during this crisis.

   You can download this PDF version to refer to when meeting with your clients.

   We are here with you and for you

   We’ve taken several steps to support you, your clients and their plan members during this crisis, including:

   • Providing premium refunds for insured, non-refund Health and Dental benefits;
   • Waiving the waiting period for short-term disability claimants who tested positive for COVID-19;
   • Extending out-of-country travel coverage for plan members who were unable to return to Canada;
   • Providing increased flexibility for premium payments; and
   • Keeping you and your clients informed with timely Q&As and announcements, webinars, and insights into the impact of COVID-19 on benefits plans.

   As well, to commemorate our 100^th Anniversary this year, we donated $4.5 million to purchase and install a new MRI for Grand River Hospital. And we donated $50,000 – $10,000 each – to five charities in British Columbia, Alberta, Manitoba, Ontario and Quebec. For more information about our celebrations, check out our website at www.equitable100.ca.

   We have adjusted our business to become digital

   Our business is near 100% digital, so the vast majority of our employees are now working remotely from home and are fully functional.  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.

   We pride ourselves on our customer service

   In 2019, our dedication to customer service was recognized with outstanding survey results.

   • In a 2019 survey of customers from 15 life insurance companies,¹ 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 ² ranked Equitable Life in the top two insurers across all categories.

   For 2020, we continue to deliver service at the same level with no disruptions during this crisis. Our Customer Care Centre remains open to support plan members and can be reached at 1.800.265.4556. And our Client Relationship Specialists are available for Plan Administrator questions and support.

   We are financially strong and stable

   We remain financially strong and continue to focus on meeting the needs of Canadians. At the end of the first quarter, our Life Insurance Capital Adequacy Test (LICAT) ratio is at 152.5%, well above our goal and the regulatory requirement.

   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. Please contact your Group Account Executive or myFlex Sales Manager if you have questions or need assistance.

    

    

   ¹  LIMRA CxP Customer Experience Benchmarking Program, Life Insurance In-Force Experience 2019

   ² NMG Consulting’s Canadian Group Benefits Survey 2019

6. Meghan Vallis named head of distribution for myFlex Benefits and other group benefits updates

   Meghan Vallis named head of distribution for myFlex Benefits

   We are pleased to announce that Meghan Vallis, our Group Sales Vice President for Western Canada, will head national distribution for myFlex Benefits in addition to her existing responsibilities.
   
   As part of her expanded role, Meghan will lead the myFlex Benefits sales team and develop and implement strategies to achieve the growth of this offering. Meghan and the myFlex team will continue to focus on delivering market leading services for our clients and advisors.
   
   Meghan joined Equitable Life in 2020 and brings more than 15 years of experience in the group benefits industry to her expanded role. She is passionate about helping Advisors succeed to transform their clients' employee benefit experience.
   
   myFlex Benefits is one of the most unique and versatile benefits solutions for small businesses in Canada. It is fully pooled, includes a two-year renewal and features a user-friendly portal for plan members to make their benefit selections. And it’s simple to use: Plan sponsors set a budget and choose from a selection of benefit options. Plan members then use flex dollars to select from the options offered by their employer. Any leftover flex dollars are saved in a health care spending account (HCSA).  
    
   If you have any questions or are interested in learning more about myFlex Benefits, please contact your Group Account Executive or myFlex Sales Manager. 

   Changes to Short Term Disability (STD) benefit calculations for 2023*

   The Canada Employment Insurance Commission and Canada Revenue Agency have announced the 2023 changes to Maximum Insurable Earnings and premiums for employment insurance.
    
   The following changes to Employment Insurance (EI) will come into effect on Jan. 1, 2023:
   
   

   How does this affect your clients?

   Your clients’ STD benefit will be revised with the updated maximums based on the percentage of EI Maximum Weekly Insurable Earnings shown in their policy if:
   • Their Equitable Life Group Policy includes an STD benefit that is tied to the EI Maximum Weekly Insurable Earnings, and
   • At least one classification of employees has a maximum of less than $650.
   The additional premium for any increase from their previous STD amounts and new STD amounts will appear on their January 2023 Group Insurance Billing (as applicable).
    
   If their STD maximum is currently higher than $650 or based on a flat amount instead of a percentage or regular earnings, no change will be made to their plan unless otherwise directed.
    
   If your clients wish to provide direction regarding revising their STD maximum, or if they have questions about the process, they can email Kari Gough, Manager, Group Issue and Special Projects.

   Coming soon: Survey for Plan Administrators with recent disability claims*

   We’ve enhanced our communication processes to help your clients with disability plans manage their workplace absences more effectively. In early December, we will distribute a short survey to plan administrators who may have submitted an approved disability claim in the past six months. The survey will ask recipients about their satisfaction with the frequency and detail of our disability management communications.
   
   The email will come from GBClientFeedback@equitable.ca, and the survey will remain open until the end of the day on December 16, 2022. All responses will be confidential. We plan to use the feedback to help ensure that we’re meeting your clients’ expectations and delivering industry-leading service.
   
   We may also follow up with survey respondents directly, to address any concerns they’ve identified.
   
   * Indicates content that will be shared with your clients.
7. [pdf] Dollar Cost Averaging
8. [pdf] Choosing the right account type
9. [pdf] FundSERV - Schedule "B" Commission Schedule
10. [pdf] Application for Term Conversion (Guide)