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  1. Equitable presents docuseries “Moments Matter”


    We went behind the scenes at Equitable and spoke with 15 colleagues completely unscripted. Learn about what we uncovered in our docuseries, Moments Matter. Meet people like Aliya from Client and Advisor Care who creates meaningful interactions by starting with genuine care. Or Joe who is passionate about earning the trust of advisors.


    Watch our stories: https://info.equitable.ca/moments

  2. And the winners of Equitable’s Close to Home contest are…


    A big thank you for making  Equitable’s Close to Home contest a huge success. We’ve now completed the draws and are thrilled to announce the following winners:

    • Client: Edwin M., Ontario

    • Advisor: Amir S., Ontario

    • Client: Veronica C., Ontario

    • Advisor: Sabena D., Ontario

    Congratulations to our winners. From all of us at Equitable, thank you for your trust and partnership.

  3. Equitable celebrates FundGrade A+ awards, reinforces commitment to Canadian investors
    Equitable® has been recognized with two FundGrade A+® awards, an annual distinction that recognizes exceptional performance among Canadian investment funds.
     

    The award-winning funds are available on the new Equitable Guaranteed Investment FundsTM solution:

    Equitable Invesco NASDAQ 100 ESG Index ETF

    Equitable Fidelity® Global Innovators

    “We’re honoured to receive this recognition,” says Cam Crosbie, Executive Vice-President, Individual Wealth. “These awards reflect the hard work of many teams across our organization and, of course, our partners.”  

    Looking ahead, Equitable Individual Wealth remains focused on continuous improvement and innovation. “This is just the beginning,” adds Crosbie. “We deeply value the trust advisors and clients place in us every day, and we’re committed to helping Canadians reach their financial goals with more confidence.” 




    FundGrade A+® is used with permission from Fundata Canada Inc., all rights reserved. The annual FundGrade A+® Awards are presented by Fundata Canada Inc. to recognize the “best of the best” among Canadian investment funds. The FundGrade A+® calculation is supplemental to the monthly FundGrade ratings and is calculated at the end of each calendar year. The FundGrade rating system evaluates funds based on their risk-adjusted performance, measured by Sharpe Ratio, Sortino Ratio, and Information Ratio. The score for each ratio is calculated individually, covering all time periods from 2 to 10 years. The scores are then weighted equally in calculating a monthly FundGrade. The top 10% of funds earn an A Grade; the next 20% of funds earn a B Grade; the next 40% of funds earn a C Grade; the next 20% of funds receive a D Grade; and the lowest 10% of funds receive an E Grade. To be eligible, a fund must have received a FundGrade rating every month in the previous year.  The FundGrade A+® uses a GPA-style calculation, where each monthly FundGrade from “A” to “E” receives a score from 4 to 0, respectively. A fund’s average score for the year determines its GPA. Any fund with a GPA of 3.5 or greater is awarded a  FundGrade A+® Award.  For more information, see www.FundGradeAwards.com.  Although Fundata makes every effort to ensure the accuracy and reliability of the data contained herein, the accuracy is not guaranteed by Fundata. 

    Equitable and Equitable Guaranteed Investment Funds are trademarks of The Equitable Life Insurance Company of Canada.

  4. And the winners of Equitable’s Snowball Your Savings contest are… A big thank you for making  Equitable’s Snowball Your Savings contest a huge success. We’ve now completed the draws and are thrilled to announce the following winners:
     
    • Client: Aemie V., British Columbia
    • Advisor: Sitti M., British Columbia
    • Client: Reenu V., Ontario
    • Advisor: Amjath A., Ontario

    Congratulations to our winners. From all of us at Equitable, thank you for your trust and partnership.
     
  5. [pdf] Equimax Client Guide
  6. Update on our service levels during the COVID-19 pandemic

    Supporting your clients and their plan members is more important than ever during the ongoing COVID-19 pandemic

    So, we’re providing an update on our service levels.

    We acted quickly to ensure there were no disruptions in service – most of our staff were working remotely from home and fully functional within a few days. We’ve reallocated resources from functions where volumes are down, such as dental claims, to those experiencing higher volumes. We also created a separate queue for COVID-19-related STD claims.

    As a result, we’ve been able to maintain the industry-leading service levels you have come to expect from us, and our turnaround times continue to be well within our targets.

    Here’s a summary of what you and your clients can currently expect in terms of average turnaround times:

    Service category Average Turnaround Time
    (as of April 26th)
    Customer Care Centre wait times 89% of calls answered within 20 seconds
    Responses to emails to our Service Team Within 24 hours
    Health claims 2 days
    Dental claims 2 days
    Life claims 1 day
    STD claims 4 days
    LTD claims 4 days
    Plan member updates 2 days
    New customer implementations 16 days
    COVID-19-related plan amendments 4 days
    Other plan amendments 8 days
    Quotes 2 days ahead of deadline

    We will closely monitor the situation and continue to adapt to ensure we maintain our service levels. And we will do our best to resolve any service issues that arise as quickly as possible.

    Please feel free to contact your Group Account Executive or myFlex Sales Manager and let us know how we’re doing.

  7. Insights from a pandemic: STD claims during COVID-19

    The spread of COVID-19 has had a significant impact on short-term disability (STD) claims. We’re providing an update on what we’ve seen so far in terms of STD experience on our block.

    Claim volumes

    Initially, as COVID-19 started to spread, STD claims ramped up quickly as plan members tested positive for or developed symptoms associated with the virus and were unable to work. Overall, we saw a 34% increase in the volume of claims on our block in Q1, compared with the first quarter of 2019, primarily due to COVID-19-related claims.

    Since then, we’ve seen the number of COVID-19-related STD claims slow. Claims levelled off to a 21% year-over-year increase by the end of May. We haven’t seen any meaningful increase in STD claims related to mental health.

    Most of the COVID-19-related STD claims so far have been in the manufacturing, retail and healthcare and social assistance sectors where physical distancing can be challenging.

    Somewhat surprisingly, Alberta had for the largest share of STD claims on our block, accounting for 40% of claims, followed by BC with 28% and Ontario with 21%.

    Claim durations

    While STD claim volumes have increased, we’ve seen a notable decrease in claim durations so far this year. As of the end of May, 59% of closed claims resolved in the first two weeks, compared with only 20% the previous year. This is expected given the nature of COVID-19 and that, for most people, symptoms dissipate within about two weeks./p>

    Of the STD claims we’ve approved, approximately 25% were paid for the full 14 days. In most cases, this meant the plan member had tested positive for COVID-19.The remaining 75% of paid claims were paid based on the elimination period in the contract, with the most common elimination period of 7 days accounting for 35% of paid claims.

    We will continue to provide timely updates on any development/p>

  8. Grow your guarantee using resets from Equitable Life
    Did you know that many of Equitable Life®’s segregated funds contracts, including Pivotal Select™ Estate Class and Protection Class, allow for an annual reset of the death benefit guarantee? Now could be a great time to remind clients to lock-in any gains with a death benefit reset; and increase their Death Benefit guarantee to 100% of the current market value. The ability to lock-in market growth using resets is one of the differences between segregated funds and mutual funds.
     
    To complete a reset, submit the applicable investment direction form. If you have Limited Trading Authorization on file, you can sign the request on your client’s behalf*. The Investment Direction Forms are posted on EquiNet®, or can be found here (by product):
       
    Be sure to check out the “Growing your Guarantee with Resets” marketing piece which can be shared with your clients. For questions about resets, contact your Regional Investment Sales Manager today.


     
    *Advisors are required to keep notes of their conversation with their client for audit purposes when completing transactions using Limited Trading Authorization. World Financial Group (WFG) advisors are not permitted to use Limited Trading Authorization as per their agreement with WFG.
    ® and TM denote trademarks of The Equitable Life Insurance Company of Canada
     
  9. Individual Insurance product enhancements

    Equitable Life has exciting product enhancements that will help you offer more options to clients. 

    Watch our Virtual Product Launch NOW. Grab a coffee and get ready for this exciting news! Hear from our leaders and learn about our exciting product enhancements.

    - Full Product Launch Video (approx. 20 minutes). 
    - Introduction video (View on Vimeo) / Product launch page 


    Highlights of the product changes effective February 12, 2022, include:

     

    NEW! 10 pay premium option with Equimax Estate Builder®

    - The new EquiLiving® 20 pay rider options will be available on Equimax® plans


    NEW! EquiLiving plans and riders enhanced with:

    - 20 pay options with coverage to age 75 or coverage for life
    - Support from Cloud DX to help monitor a client’s well-being from treatment to recovery.
    - Added Acquired Brain Injury as a covered critical condition 
    - 30-day survival period removed for all non-cardiovascular covered conditions
    - No age restriction to claim for Loss of Independent Existence (LOIE)
    - EquiLiving Benefit now pays the higher of the EquiLiving Benefit or the Return of Premium Rider Benefit (not including Return of Premium on Death)          
    - And so much more …

    New Illustration software available on February 11, 2022 
    The updated illustration software will be available for download after 9 a.m. ET on Friday, February 11, 2022, and will include all the Equimax and EquiLiving enhancements.

    See the Equitable Sales Illustrations Update for information on how to download the software or check for updates. 

    Please review updates to the commission schedule A for these new enhancements.

    Learn more Get ready to make 2022 your best year yet for your sales! 

    Please contact your Regional Sales Manager for more information. 
  10. Taking the guess work out of market volatility with Equitable Life

     

    Investing during market highs and market lows can leave even the most seasoned investors scratching their heads. Knowing when to buy and when to sell is not easy, but disciplined investing can be.

    Dollar cost averaging with Equitable Life® is designed to provide a long-term investment solution. This strategy helps take the guesswork out of knowing when to get into the market. It can also provide consistency for a long-term financial plan regardless of whether there is a lot or a little to invest.
     
    And for a limited time only, we’ve increased the initial commission for the CB5 sales option from 5.6% to 7.0% on Pivotal Select™ segregated funds*, effective from May 20 to August 31, 2022.** During this time, advisors earn the increased full initial commission even if funds are placed into Equitable Life Money Market Fund to start the PAC.
     
    For more information on dollar cost averaging, please contact your Equitable Life Regional Investment Sales Manager.

     

     
     
    * Applies to FundSERV trades occurring between May 20 and August 31, 2022. Initial commission on non-FundSERV trades occurring between May 20 to August 31, 2022 increases from 4% to 5%. Initial commission is subject to a chargeback.
    ** Equitable Life reserves the right to end the campaign at any time and without notice.
     
    ™or ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.