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Changes to coverage of Humira in BC BC Pharmacare recently announced it is adding Humira to the list of drugs included in its ongoing initiative to switch patients to biosimilar versions of high-cost biologics. Patients taking Humira for most conditions will be required to switch to a biosimilar version of the drug by Oct. 7, 2021 to maintain coverage under the public plan.

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

How we are responding to protect our clients
To help prevent this change from resulting in additional costs for our clients’ drug plans, while still providing plan members with access to safe and effective medications, we will no longer cover Humira for plan members in BC. Effective Oct. 7, 2021, claimants currently taking Humira will be required to switch to a biosimilar version of the drug to maintain coverage under their Equitable Life plan.

We will be communicating this change to plan administrators later this week. And we will be communicating with affected claimants in early August to allow ample time to change their prescription and avoid any interruptions in their treatment or their coverage.

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

Two 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

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