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  1. Cloud DX, Signs Contract with Heart Centre Our partner, Cloud DX, has signed a 3-year contract with an Ontario hospital to help put patients with congestive heart failure at ease.

    Cloud DX’s digital health platform works to improve healthcare delivery, provide better care outcomes, and lessen the burden on our national healthcare system. Now, an Ontario heart centre will use the Cloud DX platform to improve its patient monitoring services.

    Cloud DX is a value-added service for Equitable Life’s Critical Illness claimants. Cloud DX delivers clinical grade hardware directly to the client so that they can remotely monitor the client’s vitals to help ensure they stay on the road to recovery*.

    To learn more about our partnership with CloudDX, click here or contact your local wholesaler.
     







     
     Watch our video on YouTube or Vimeo!


    *Cloud DX is a non-contractual benefit and may be withdrawn or changed by Equitable Life® at any time. To be eligible for the Cloud DX offering, a claimant must be age 12 or older and have received payment on or after February 12, 2022 for a covered critical condition benefit under an individual critical illness insurance policy issued by Equitable Life. An early detection benefit payment does not qualify. Equitable Life pays for 6 months of Cloud DX subscription fees. If the claimant wishes to continue the Cloud DX service after 6 months, they will be responsible for the cost. The claimant must supply their own device to connect to Cloud DX app– a laptop, tablet or cellphone.  As well, the claimant needs to supply their own data or internet service.
     
    ® and TM denote trademarks of The Equitable Life Insurance Company of Canada.
  2. Updates to Savings & Retirement applications and point of sale materials

    Equitable Life has updated the following Savings & Retirement point of sale materials.

     

    Form #

    Form Name

    Description

    2086

    Pivotal Select FHSA Application

    New application to support the First Home Savings Account (FHSA) registration option

    1403

    Pivotal Select Contract & Information Folder

    Updates have been made to support the new First Home Savings Account (FHSA) registration option

    796

    Guaranteed Interest Account TFSA Application

    Updates have been made throughout the application to make it simpler and more straightforward. Additionally, a new “Privacy Consent” section has been added.

    799

    Guaranteed Interest Account Registered / Non-Registered

     
    The new documents are available to download from EquiNet®. Paper documents are also available to order from Equitable’s Supply Team here.

    To allow advisors time to transition to the new applications, we will continue to accept the following versions until further notice:

    If you have any questions, contact your Regional Investment Sales Manager or Advisors Services Team Monday to Friday, 8:30 a.m. – 7:30 p.m. ET at 1.866.884.7427, or email savingsretirement@equitable.ca.

     

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

     Posted September 11, 2023
  3. Free Webinar: A better employee health benefits solution for small business clients Join us on Tuesday, May 28, 2024 at 1 p.m. ET for a free webinar about Equitable EZBenefits™ – our new employee health benefits solution designed for small business clients.

    If you serve small business owners, chances are they’re looking for a group benefits solution that’s affordable, sustainable and easy to manage. That’s why we created EZBenefits for businesses with between 2 and 25 employees.
     
    You’ll learn about:
    ● The range of plan design options we’ve created to fit various needs and budgets;
    ● The streamlined process we’ve designed to optimize your time and provide you and your clients with rapid quotes, hassle-free plan implementation and easy renewals;
    ● Our dedicated Advisor Concierge Service – your go-to resource for EZBenefits support;
    ● The health and wellness services that are embedded with EZBenefits, including Virtual Health and an Employee and Family Assistance Program; and
    ● The built-in HR support through Equitable’s partnership with HRdownloads®, including access to HR technology, content and training.

    Register to attend the EZBenefits webinar

    This webinar will be delivered using Microsoft Teams and will include a Q&A component. If you wish to submit a question using the Q&A feature, please follow these instructions when you join the webinar:
    ● Join using the Microsoft Teams app. If you do not have Microsoft Teams, you can download it for free here.
    ● If you prefer to join via web browser without installing Microsoft Teams, please use Google Chrome or Microsoft Edge. Other browsers do not support the Q&A feature.
  4. Why tax refunds aren't always good It’s important for advisors to help clients understand their finances. Many people think getting a tax refund is good, but that's not always true. Here are some reasons why.

    1. Overpaying Taxes
    A refund on a tax return means the client paid too much in taxes during the year. This is like giving the government an interest-free loan. Instead, clients could use that money each month for savings or investments.

    2. Missed Investment Chances
    When clients overpay taxes, they miss chances to invest that money. It could have been earning interest or growing in value instead of sitting with the government.

    3. Poor Financial Planning
    A big tax refund can show poor financial planning. It's better if clients break even, meaning they don't owe much and don't get a big return. This shows their tax withholdings are accurate.

    4. False Sense of Security
    A large tax refund can make clients feel falsely secure. They might spend it quickly instead of saving or investing it wisely.

    5. Financial Hardship
    Overpaying taxes can make it hard for clients to manage their money during the year. They might struggle with monthly expenses or saving for emergencies.

    Advisors should teach clients about the downsides of tax refunds. By adjusting their withholdings, clients can manage their money better and take advantage of investment opportunities. Aim for a balanced tax situation to improve financial health.

    Help clients make the most of their investment opportunities this tax season. For more information, contact your Director, Investment Sales.

    Date posted: March 20, 2025
  5. Why fair treatment of clients matters

    Building strong client relationships


    Fair treatment of clients and excellent service goes beyond offering great products. It's about understanding and meeting clients’ needs at every single stage of life. At Equitable, we believe in putting clients first and building lasting, trusting relationships. 

    As an advisor, it’s important to build these strong client relationships for your business growth and success. This is achieved by focusing on each client’s interests and providing personalized financial care and support. 

    Here are some tips to build and maintain strong client relationships:
    ● Meet with clients at a minimum of every two years to maintain relationships and ensure clients have the right coverage for their needs. Updates to their insurance may be needed with life changes like marriage, children or purchasing a home. 
    ● Regularly review products with investment components with clients. This may help ensure client investments stay on track to meet their needs and align with their financial goals. 
    ● Reassess term policies and riders with clients throughout the term period, and at least six months before renewal. This can help clients understand any premium changes and consider options that may meet their ongoing needs. 


    Another important tip:
    ● Document each attempt to engage with clients. Regular meetings with advisors are needed to ensure the client has the right coverage for their current and future needs. Keeping a record of these attempts helps protect advisors when clients don’t respond or don’t want to meet. 

    Treating clients with fairness and ensuring their interests are protected will show that you are providing support to help ensure your clients' needs are covered. Building trust leads to happier clients, stronger relationships, and more business opportunities to help protect clients throughout their lifetime.
  6. Show term and critical illness illustrations with ratings


    Rating options are now available in term and critical illness web illustrations. When you add a rating, the premium changes so clients can see the difference. This makes it easier to compare options and set expectations early.

    What’s new
    You can apply ratings to your term and critical illness web illustrations. When you choose a rating, the illustration and report update right away with the new premium.

    Benefits
       • Clear side‑by‑side comparisons
       • Illustrated options better fit client’s needs
       • Talk about options with more confidence

    How to use the rating feature
      1. In the web illustration, go to Personal Information.
      2. Select the Ratings checkbox.
         • This option also appears when adding a term rider or critical illness rider.

      3. Choose the rating type you want to illustrate:
         • Permanent amount (term)
         • Permanent percentage (term and critical illness)
         • Temporary amount (term)
    Once applied, the premium updates automatically and appears in the illustration report.

    Important to know
       • Illustrated ratings are for comparison purposes only.
       • When you submit an application, the system removes the illustrated rating.
       • The final rating is determined through underwriting.

    Improving your experience with more digital enhancements
    We’re always working to improve the web illustration experience based on your valued feedback.
    Here are some improvements you've asked for:
       • A confirmation box appears showing the rider selected is included in the illustration report.
       • When you’re signed into EquiNet your name and advisor code are included at the bottom of the illustration report.
    New design updates to the illustration reports now make it easier for you and clients to review. Use these clear and refreshed illustrations to help clients get the protection that best meets their needs.

    Questions
    Contact your Equitable wholesaler. For specific case support be sure to include:
       • the client name (if applicable);
       • the product (term or CI);
       • screenshot of the illustration settings.

  7. Dividend Withdrawals and Change and Premium Offset
  8. From piggy banks to property, the journey of helping clients save for a first home With the smell of spring in the air and for sale signs popping up on front lawns, no doubt clients are starting to ask, is it time to save for a house? Of course, a million other questions generally arise like, can I afford a house? How do I save? What do I do?

    If you’ve got clients asking for direction, join your host Joseph Trozzo, Vice President, Investment Sales, at Equitable® along with Equitable’s own, Chris Petroff CPA CMA, Product Manager, Savings and Retirement to learn how Equitable can help you set clients up for success, when it comes to purchasing their first home.  

    Why Attend?
    This informative session will cover all the ins and outs of first-time home ownership, 

    •   from potential sources of funds to tax implications, 
    •   withdrawal rules, and 
    •   so much more. 

    You’ll get a deep dive into the various account types available through Equitable with segregated funds and DIA/GIA, and a comparison of each account type. We’ll also touch on mortgages, investment time horizon and other considerations, including specific case studies to help equip you with all the knowledge necessary to help clients purchase a first home. 

    Learn more


    Continuing Education Credits
    This webcast has been accredited for 1.00 Life continuing education (CE) credit for all provinces excluding Quebec via the Insurance Council of Manitoba and Alberta Insurance Council.  To be eligible for CE credits, you must register individually, watch the webcast in full and complete a short quiz. It is the advisor's responsibility to ensure Continuing Education credits being offered are accepted by their licensing body. Alberta Insurance Council (AIC) credits are valid in Yukon, British Columbia, Alberta, Saskatchewan, Ontario, New Brunswick, Prince Edward Island and Nova Scotia. Insurance Council of Manitoba (ICM) credits are valid in Manitoba only.

    This webcast is available in English only.

    Date posted: May 8, 2025
  9. Access more fund performance information faster and easier



    Welcome to a new and improved Fund Overview & Performance  website for Equitable Life® segregated funds.

    A central location for:

    • fund performance and quartile rankings

    • daily and historical unit prices

    • fund information (available in web and PDF)

    • Fund Facts documents

    • MERs



    Highlights:

    • Save your favourite funds for easy access.

    • New fund search and filter tools by product, guarantee, asset class and sustainability.

    • Share features allow you to easily share fund information with clients.

    • Ability to compare fund performance of Equitable Life segregated funds.

    • Simulated backcasted returns for funds with less than five years of performance history.

     
    Check out the new Fund Overview & Performance webpage today to see how Equitable Life is making fund information faster and easier to access. Speak to your Regional Investment Sales Manager to learn more!
     
     

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

    Posted February 27, 2023

  10. Text Notifications keep you informed in real time on your Equitable individual insurance business Our text notification program that we launched a year ago has been very successful. Thousands of tech-savvy advisors like yourself are currently taking advantage of text message updates on their Equitable new business application status.
     
    Approximately 70% of new Equitable insurance applications submitted are choosing to receive real-time status updates via text notifications.
     
    Not using Text Notifications yet?
    To opt-in, next time you submit an online insurance application, simply check 'Yes' on the Advisor Report when asked “Would you like to receive text notifications (SMS) regarding this application?”  You can opt-out at anytime by texting "Stop."
     
    Questions? Contact your wholesaler for more information.