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  1. A message from Cam Crosbie

    What an exciting year it’s been at Equitable®. There’s more to come in 2025!

     

    In this short video, I share with you some of the things we’ve done to show our commitment to you in 2024 and some of the great things we’ve got planned for 2025.  

     

    I want to thank you again for your continued support and trust in us. We value our partnership and are always working hard to make things better.


    Please take a few minutes to watch the video.  

     


    cam-(1).png
     

    Cam Crosbie,
    Executive Vice-President, Savings and Retirement Division
    Equitable

    Savings & Retirement Holiday Hours
    All transaction requests to be handled same business day must be submitted in good order by:
    • • December 24, 2024, 11:00 a.m. ET
    • • December 31, 2024, 11:00 a.m. ET
    FHSA applications to be considered for 2024 contribution year must be submitted in good order by:
    • • December 31, 2024, 11:59 p.m. ET
    FHSA online banking deposit deadline for 2024 contribution receipt:
    • • December 24, 2024, 4:00 p.m. ET
    Note: Transaction requests submitted after 11:00 a.m. ET will be processed effective next business day
    RRSP deposits to be considered for the 2024 tax year must be:
    • Dated March 3, 2025, or before
    • Must be submitted to Head Office in good order by March 7, 2025, by 4:00 p.m. ET
    RRSP applications to be considered for 2024 contribution year must be submitted in good order by:
    • March 3, 2025, 11:59 p.m. ET
    RRSP B2B Loans:
    • RRSP loan deposits must be received by March 14, 2025, by 4:00 p.m. ET

    Note: Transactions submitted after these dates will not receive a 2024 contribution receipt
    ​​​​​​

    Date posted: December 5, 2024
  2. A message from Cam Crosbie WFG

    What an exciting year it’s been at Equitable®. There’s more to come in 2025!

     

    In this short video, I share with you some of the things we’ve done to show our commitment to you in 2024 and some of the great things we’ve got planned for 2025.  

     

    I want to thank you again for your continued support and trust in us. We value our partnership and are always working hard to make things better.



    Please take a few minutes to watch the video.  

     

     

    cam.png
     

    Cam Crosbie,
    Executive Vice-President, Savings and Retirement Division
    Equitable

    Savings & Retirement Holiday Hours
    All transaction requests to be handled same business day must be submitted in good order by:
    • • December 24, 2024, 11:00 a.m. ET
    • • December 31, 2024, 11:00 a.m. ET
    FHSA applications to be considered for 2024 contribution year must be submitted in good order by:
    • • December 31, 2024, 11:59 p.m. ET
    FHSA online banking deposit deadline for 2024 contribution receipt:
    • • December 24, 2024, 4:00 p.m. ET
    Note: Transaction requests submitted after 11:00 a.m. ET will be processed effective next business day
    RRSP deposits to be considered for the 2024 tax year must be:
    • Dated March 3, 2025, or before
    • Must be submitted to Head Office in good order by March 7, 2025, by 4:00 p.m. ET
    RRSP applications to be considered for 2024 contribution year must be submitted in good order by:
    • March 3, 2025, 11:59 p.m. ET
    RRSP B2B Loans:
    • RRSP loan deposits must be received by March 14, 2025, by 4:00 p.m. ET

    Note: Transactions submitted after these dates will not receive a 2024 contribution receipt

    Date posted: December 5, 2024
  3. [pdf] Custom Quote - DIA/GIA
  4. [pdf] Financial Questionnaire - Personal
  5. [pdf] Do you know Alyssa
  6. [pdf] The Right Time To Buy And Sell
  7. 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. 
  8. New year tune-up for Equimax participating whole life
    It’s a new year and time for an Equimax® tune up! We have made some exciting changes for new sales of Equimax Estate Builder® and Equimax Wealth Accumulator® effective February 11, 2023.

    These exciting enhancements make Equimax even more robust, simpler and cost effective, to ensure it continues to be the preferred participating whole life solution for clients and advisors alike.

    Watch our informative video to learn more.
     
    Check out our Equimax splash page for complete details on all the enhancements, our transition rules, and much more.
     








    What’s new?
    • All new children’s policies will now be issued as non-smoker for life – we will no longer request a non-smoker declaration for new children's policies.
    • We have also removed the policy fees on new Equimax sales, reducing total premium payments – allowing clients to buy even more coverage for the same payment.
    But there’s more to our Equimax tune-up!
    The following enhancements add more value, making it easier for you to recommend Equimax as your preferred whole life solution.
    • Monthly Excelerator Deposit Option(EDO) payments and EDO payments received off anniversary will now buy more paid-up additional insurance,
    • Dividends earned on EDO payment paid-up additions, and credited on the base policy, can now buy even more paid-up additions,
    • New clients now have the option to elect individual policies on joint last to die (JLTD) plans if their personal situation changes,
    • We have also changed the way we calculate monthly premiums – resulting in lower premium payments across the board,
    • And we have added our KIND™ benefit program to Equimax, as we did for our newest Generations Universal Life  solution last September – making it easier for families and beneficiaries at claim time.
    • And, finally, we are introducing some new sales illustration features, a Web-based software and more to help you market Equimax!
    Visit our splash page and watch our informative video to learn more and start selling the enhanced Equimax today.
     
    Plus, visit our Equimax product page on EquiNet®, then click on the Marketing Materials tab for the latest Equimax marketing materials.
     
    Need more information? Please contact your local wholesaler.
     
     ® and ™ denotes a trademark of The Equitable Life Insurance Company of Canada.