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1. Financial planning concepts & tools
2. Insights from a pandemic: Long-term COVID-19 drug risks

   For the remainder of 2020 and beyond, COVID-19 will continue to add to the existing pressures driving up drug costs. Examples of contributing factors include:

   • Claims for acute drugs will likely increase as elective surgeries resume and plan members address non-emergency health issues that were left unattended during COVID-19.
   • Plan members whose employers are facing financial strain due to COVID-19 may stock up on their prescriptions in anticipation of losing their job and/or their benefits.
   • An ongoing increase in the prevalence and severity of mental health issues and chronic conditions. In May and June, we saw a dramatic increase in the number of claimants for depression, ulcers, blood pressure and diabetes, and depression was associated with 1 in 5 claimants.

   All trends thus far suggest we can expect about a 10% increase in average paid amounts per certificate in 2020 compared with 2019. But the impact won’t be the same for all groups. There will be significant variations, particularly for smaller groups, and some may see much larger cost increases.

   Unknown COVID-19-related risks

   Another risk exposure may come from the costs associated with drugs used to treat or prevent COVID-19. There are currently numerous vaccines in development, and more than 300 clinical trials are underway for both new and existing drugs to determine their effectiveness in treating the virus.

   The cost of any vaccine or whether government or private plans will pay for it is unknown. Regardless, there will likely be other drugs indicated for the treatment or prevention of COVID-19 that private plans will be expected to cover. The cost of this impact for private payers is unknown, but potentially high.

   Another unknown is what will happen with dispensing fees. While most provinces have lifted their 30-day prescription refill limits, it remains to be seen whether pharmacies will resume dispensing 60- and 90-day refills at pre-COVID levels for private plans. If not, this would mean the dispensing fees will continue to drive up drug costs.
   
   

   Advisor opportunity

   Despite the increase in drug plan risk in recent years, little has changed in plan design trends. Very few plan sponsors have adopted managed plans or other plan design options that could help manage risk.

   This presents an opportunity for advisors to educate their clients about the risks their drug plan may be exposed to and the options available to manage that risk.

   A practical starting point for those conversations is our Drug Plan Design Tool. With two simple questions, it can help confirm your client’s objectives and identify some best-fit solutions for their plan.  Ask your Group Account Executive or myFlex Sales Manager for a copy of the tool.

3. This year’s RSP contribution deadline is March 1, 2022

    

   Does your client want to contribute or open a new policy this Retirement Savings Plan (RSP) season?  Whether using paper or our recent EZtransact online platform, here are some important things to remember.

    

   Issuing New Policy with EZcomplete^®

   • All online applications must be digitally signed and submitted and have a date stamp no later than March 1, 2022.

   
   Issuing New Policy using Paper Application

   • For contributions to qualify for the first 60 days, all paperwork must be completed and signed by March 1, 2022. Equitable Life must receive all paperwork by March 7, 2022.

   
   
   
    

   Deposits to Existing Policy

   • Advisors can setup a one-time or recurring deposit or edit an existing pre-authorized debit already in place using EZtransact. Online deposits must be made and have a date stamp by March 1, 2022, to qualify for a 2021 tax receipt. New to EZtransact? Try our EZtransact Practice Site to see how EZ it is to use.

   • Clients can make online deposits to Equitable Life^® through their financial institution’s online banking service. Online deposits must be made and have a date stamp by March 1, 2022, to qualify for a 2021 tax receipt. 

   • Clients can also make a new deposit to an existing policy by cheque. The cheque must be dated and signed by March 1, 2022. Equitable Life must receive the cheque no later than March 7, 2022.

   If online banking is being used to fund the policy – either topping up an existing policy or opening a new policy – the online banking transaction must be completed by March 1, 2022, to receive a 2021 tax receipt.
   
   Do not miss your opportunity to have your contributions count for 2021!
   
   Please note that cheques and other paperwork cannot be backdated.  They must be completed and signed by March 1, 2022, to qualify for a 2021 tax receipt.
    

    

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

4. Anti-money laundering legislation changes for Savings & Retirement forms and applications
   To comply with the Government of Canada’s anti-money laundering legislation and FATCA/CRS changes, Equitable Life® has updated its Savings and Retirement forms and applications. New online forms and applications are available to download from EquiNet®. Paper applications are also available to order from Equitable’s Supply Team. For a complete list of all forms and applications affected by the anti-money laundering legislation, refer to Anti-money Laundering Legislation Requirements Summary.
    
   What should I do if I have existing paper applications?
   If you currently have paper applications (Form #1383, #1384, #799, #355) with a version date that is before April 2, 2021, Equitable Life will continue to accept them, with the caveat that additional information may be required from you and your client to comply with anti-money laundering legislation.
    
   How long can I use my existing paper applications with a version date before April 2, 2021?
   Paper applications (Form #1383, #1384, #799, #355) with a version date prior to 2021/04/02 (located on the back page and in the bottom right-hand corner of the application) will no longer be accepted after July 1, 2021. If you have applications with a date that is before 2021/04/02, please destroy them and use the fillable/savable PDF on EquiNet. You can also order paper applications from our Supply Team.
    
   
   Want to be sure you always have the most up-to-date application? Try our EZcomplete® online application platform. EZcomplete makes it easy to process your non face-to-face applications and allows your clients to provide their signature remotely on their own device.
    
   To learn more about the Government of Canada’s anti-money laundering legislation and FATCA/CRS review the following links.
    
   Government of Canada - Guidance on the Common Reporting Standard
   Financial Transactions and Reports Analysis Centre of Canada
    
   If you have any other questions, contact your Regional Investment Sales Manager.
    

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

   
    
5. Equitable Life's RSP Contest: Grand prize winners celebrate a future filled with possibilities! The Savings & Retirement team at Equitable Life recently celebrated the successful conclusion of their recent RSP contest with a special cheque presentation to Equitable Life client, Kavitaben Rathod, and her World Financial Group (WFG) advisor, Kinnari Patel, who were both thrilled to be selected as the grand prize winners.
   
   The Grow Your Future contest ran from January 1 to March 1, 2023, and offered clients and advisors a chance to win big by making RSP contributions. It was a hit with clients like Kavitaben as it provided them with a compelling reason to work with their advisors to build their wealth. Clients who made a deposit into an Equitable Life RSP policy between January 1 and March 1, 2023, had the chance to win the $5,000 grand prize. When Kavitaben won the grand prize, her advisor Kinnari won $1,000 as well.
   
   Alex Lucero, Regional Investment Sales Manager, Greater Toronto Area, met with both Kinnari and Kavitaben to present the cheque and took some photos to commemorate the occasion. The collaborative effort put in by the Equitable Life team was highly appreciated.
   
   Kavitaben expressed her sincere gratitude, sharing how surprised, excited, and delighted she was to be chosen as the grand prize winner. She described the experience as “an amazing feeling and our best day in Canada! It was a really fortunate moment for me”.
   
   Kinnari also expressed her appreciation to Equitable Life, Alex, and the entire WFG team for the proud moment and shared that the experience gave her “motivation and inspiration in her future work duties”.
   
   Equitable Life's commitment to offering products, services, and choices that best suit clients' needs was evident through the contest. Clients saw contest messaging through social media and equitable.ca, while advisors saw it on the EquiNet advisor website, through emails, and MGA and WFG newsletters.
    
   Congratulations to everyone who supported the contest and helped make it a success!
   
   
   
   Date posted: April 19, 2023 
    
6. 2023 Holiday Hours The Holiday season brings thoughts of gratitude, and there is no better time to express our thanks and sincere appreciation for your dedication and commitment to Equitable Life.
    
   Thank you for your support this past year and for trusting Equitable Life with your Individual Insurance and Savings & Retirement business. Happy Holidays!
    
   Client Care Centre Holiday Hours
   Friday December 22, 2023 - 8:30 a.m. – 7:30 p.m. ET
   Monday December 25, 2023 – CLOSED
   Tuesday December 26, 2023 – CLOSED
   December 27, 28 and 29, 2023 - 8:30 a.m. – 7:30 p.m. ET
   Monday January 1, 2024 - CLOSED
   
   Savings & Retirement
   To settle on December 22, 2023, the transaction must be received that day by 11:00 a.m. ET
   To settle on December 29, 2023, the transaction must be received that day by 11:00 a.m. ET
   
   
   Individual Insurance
   Underwriting
   ● Underwriting must receive all evidence and outstanding Underwriting requirements by December 15th- at the latest. Underwriting will then be able to decision these cases by December 21st. This will give the New Business team December 21st – December 29th to issue and settle policies.  
   
   New Business
   ● New Business will continue to process all issue and settle requirements every business day until the last working day of the year – December 29th. New Business needs to receive ALL final settle documents in Good Order within our posted service standards. We are currently operating at a 3 business day turn around time.
   
   Field Payroll
   ● Second Last Pay Period for 2023 – December13, 2023 to December 19, 2023 (Transmission/Statement date December 20, 2023)
   ● Last Pay Period of 2023 – December 20, 2023 to December 29, 2023 (Transmission/Statement date January 2,2024)
   ● First Pay of 2024 – January 1, 2024 to January 9, 2024 (Transmission/Statement date on January 10,2024)  
   
   Daily Pay will run on business days.
   
    
   Please note that all requirements must be received in Head Office by the above dates to guarantee settlement for year end.
7. [pdf] Segregated Fund Sales DSC Disclosure Form
8. Streamline your transactions with EZtransact

   Skip the forms and submit more transactions digitally with EZtransact^® to see how Equitable^® has continued to make it easier for you to do business with us.
   
   What’s new with these updates?

   
   One-time PAD functionality for Daily/Guaranteed Interest Account

   With the recent addition of DIA/GIA PAD to EZcomplete, you can now utilize EZtransact for one-time pre-authorized debits. This means faster processing with one-time deposits for investment instructions to either a DIA and/or GIA (multiple terms) with end-of-term instructions.
    

   Key benefits of these enhancements include:
   •  enhanced rate guarantees to secure the best rates available for clients,
   •  daily updated interest rate guide informs you of the latest rates,
   •  interest rate guarantee valid for three business days, for direct deposits from clients.
   
   Be sure to use EZtransact on your next DIA/GIA one-time deposit request to experience these improvements.
   
   
   Reduce RSP to RIF conversion time

   Reduce time and effort submitting Retirement Savings Plan (RSP) to Retirement Income Fund (RIF) conversion requests. EZtransact is continuing to reduce the amount of time it takes advisors to submit conversion requests.
    
   Features include:
   •  RSP/Spousal RSP to RIF Conversion to effortlessly submit request digitally.
   •   RIF Calculator to easily calculate your conversions.
   
   Save time with our enhanced digital experience.
   
   
   Sort & Filter Enhancements
   We’ve taken your feedback and made it easier than ever to find the contracts and clients you’re searching for. This improved advisor experience ensures you can:
   
   •  Filter “My Clients” By Product Type/ Registration Type
   •  Sort “My Clients” By Contract Number/ Client Name
   •  Filter “Transactions” By Transactions Status/ Transaction Type
   •  Sort “Transactions” By Date

   

   You asked, and we listened! Keep providing us with your feedback on our digital tools. When we grow together, success is mutual.
   
   Get to know EZtransact and accelerate your sales! If you have any questions, please contact your Director, Investment Sales.
   
   Date posted: April 3, 2025

9. Accepted Payment Methods
10. Step Up Your Wealth Qualification Requirements