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See why choosing EquiLiving Critical Illness Insurance is the right choice for Ayo’s family
Ayo’s just returned from maternity leave. Her baby David and her husband are the most cherished people in her life.

But a neighbour’s cancer diagnosis leaves her wondering how she can protect her family if a serious illness were to affect them.

Learn why Ayo decided EquiLiving^_® Critical Illness insurance was the right choice for her family.

Watch our new Critical Illness with Equitable Life of Canada video to learn more. View on Vimeo or YouTube.

You can use this video to send to clients before or after meetings to help them understand the benefits of Critical Illness Insurance. Check out our prospecting letter, that you can personalize and send to your clients to tell them about Critical Illness Insurance.

Plus, visit our Critical Illness product page, then click on the Marketing Materials tab for the latest Critical Illness marketing materials.

Need more information? Please contact your local wholesaler.

View on Vimeo or YouTube.

^® and ™ denotes trademarks of The Equitable Life Insurance Company of Canada.
Equitable can help clients this tax season
It is tax time and clients should be receiving tax slips and deposit receipts by now.

Check out the Tax Slips: A Quick Reference Guide which gives a taxation breakdown by product. Review Insights into Non-Registered Taxation offering a detailed explanation on investment income, and why T3 tax slips generate on non-registered segregated funds.

Do clients have questions about contribution limits? Retirement Income Fund minimums? or Canada pension maximums? Check out Equitable’s handy 2024 Facts & Figures guide.

If you have further questions, please contact your Regional Investment Sales Manager or one of our Client Services Representatives at 1.866.884.7427.

Posted February 23, 2024
Have you heard about Equitable Client Access?
Equitable Client Access^® allows clients to self-serve on some of the more popular requests. Thousands of clients have already signed up for Equitable Client Access and are enjoying the benefits of accessing their secure information 24/7.

•   Does your client need to change or stop existing Pre-Authorized payment (PAD)? Equitable Client Access can do that.
•   Does your client need to change a withdrawal date for a PAD? Equitable Client Access can do that too.
•   Address or banking information changes? Equitable Client Access has your clients covered.
•   Does your client need to change her beneficiary from Aunt Flora to Uncle Ned? Equitable Client Access can even do that.

Equitable Client Access is a secure online client site that connects clients with policy information, right at their fingertips. In addition to the self-serve features, Equitable Client Access can also provide:

•    Insurance coverage and guarantees
•    Investment allocation, performance and market values
•    Transaction history
•    Statements and letters
•    Advisor contact information, along with so much more.

If your clients have not signed up for Equitable Client Access, direct them to client.equitable.ca - it only takes a few minutes to set up an account, and connects your clients with their policy information online – anytime!

Have a question about Equitable Client Access? Want to tell your client how to go paperless? Check out our updated FAQ or contact your Regional Investment Sales Manager today.
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
Equitable Life is launching a new Retirement Savings Plan section on EquiNet It is never too early or too late to speak to your clients about Retirement Savings Plans (RSP). This is a great time to check us out because Equitable Life® is launching all new tools and resources to help you improve your sales strategy and reach your clients.

Today, Equitable Life is launching an all new RSP section on EquiNet®. The RSP Product Information box contains new and improved marketing tools and resources. Need to prospect new clients? We have editable letters to help you do that! Need to market to Millennials, Generation X or Baby Boomers? We have brochures and case studies to help you reach them. Want to market to your clients using social media? We have links and articles to help you share the love. With all the new and updated RSP materials, we have you covered. So, visit us on EquiNet today to see how we can help you grow your business.
Introducing Empathy – Compassion and care at time of loss
Sofie wants to provide for her children long after she’s gone with Equitable Generations Universal L Sofie knows the future is uncertain. As a mom of two children and in her late forties, Sofie wants to continue to help her kids with their life goals as they get older.

She learns that Universal Life insurance from Equitable^® is a great fit for her. It has investment options, choices of death benefit and even flexibility on how she pays for her premiums. With the investment option, she can earn tax-advantaged growth*.

Watch our new Universal Life Insurance from Equitable video to learn more. See it on Vimeo

This video can help you talk with clients about Universal Life insurance. It walks them through what it is, how it works, and the affordability and flexibility it features. It highlights just how Universal Life from Equitable is an insurance solution truly designed to meet the needs of clients today and into tomorrow.

Not sure where to start? Send clients this draft prospecting letter which you can personalize specifically for them.

Plus, check out our Universal Life solution page on EquiNet^®, then click on the Marketing Materials tab for the latest Universal Life Marketing Materials.

Want to learn more? Ask your Equitable wholesaler!

View on Vimeo

*Subject to the Income Tax Act of Canada.

February 2020 Advisor eNews

In this issue:

Provincial biosimilar update
Legislative changes for Alberta’s Coverage for Seniors program
Coming soon: enhancements to Equitable EZClaim® Online

Provincial biosimilar update

Alberta Biosimilar Initiative

On December 12, 2019, the Alberta government introduced the launch of the Alberta Biosimilar Initiative. This program will require patients using several originator biologic drugs to switch to a biosimilar, and patients using a non-biologic complex drug (NBCD) to switch to its subsequent entry version before July 1, 2020 in order to maintain coverage.

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” drug. Biosimilars are highly similar to the originator drug they are based on and have been shown to have no clinically meaningful differences in safety or efficacy.

Alberta Health will initially cover both the originator and biosimilar or subsequent entry version of a NBCD drug as patients start the switching process.

The following table outlines the affected originator drugs, their biosimilars or subsequent entry, and the conditions affected by the program.

Biosimilar Drug	Originator	Biosimilar/Subsequent Entry	Indications Affected
etanercept	Enbrel	Brenzys	Ankylosing Spondylitis Rheumatoid Arthritis
etanercept	Enbrel	Erelzi	Ankylosing Spondylitis Psoriatic Arthritis Rheumatoid Arthritis
infliximab	Remicade	Inflectra Renflexis	Ankylosing Spondylitis Plaque Psoriasis Psoriatic Arthritis Rheumatoid Arthritis Crohn’s Disease Ulcerative Colitis
insulin glargine	Lantus	Basaglar	Diabetes (Type 1 and 2)
Filgrastim	Neupogen	Grastofil	Neutropenia
pegfilgrastim	Neulasta	Lapelga	Neutropenia
glatiramer*	Copaxone	Glatect	Multiple Sclerosis

*Glatiramer is a non-biologic complex drug where the originator is Copaxone and the subsequent entry is Glatect.

Equitable Life is actively investigating the benefit, risk and appropriate plan changes associated with this new policy on private drug plans and will keep you informed.

For more information about the Alberta Biosimilars Initiative, consult the Alberta government website.

British Columbia

In 2019, BC Pharmacare introduced a Biosimilars Policy that impacted coverage of three biologic drugs – Remicade, Enbrel and Lantus. As of November 25, 2019, these drugs were no longer eligible in BC for most conditions for which lower cost biosimilar versions are available. Patients in the province with these conditions were required to switch to biosimilar versions of these drugs in order to maintain their coverage.

The second phase of the BC Biosimilar Policy takes effect March 6, 2020 when Remicade will be delisted for Crohn’s Disease and Ulcerative Colitis. Patients in the province with these conditions will be required to switch to Inflectra or Renflexis in order to maintain their coverage.

Biosimilar Drug	Originator	Biosimilar	Indications Affected
infliximab	Remicade	Inflectra Renflexis	Crohn’s Disease Ulcerative Colitis

We have communicated with the affected plan members, informing them of the need to switch medications. If plan members have any questions or concerns, our Customer Care team is here to help and support them through the transition.

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

Ontario

In November 2019 Ontario Minister of Health Christine Elliot indicated that the government was planning to launch consultations to explore solutions in managing biologics.

Equitable Life will continue to monitor these developments and keep you informed of any impact on private drug plans.

Legislative changes for Alberta’s Coverage for Seniors program

The government of Alberta has announced that as of March 1, 2020, seniors’ family members (such as spouses and dependents) who are younger than 65 will no longer be covered by the provincial Coverage for Seniors program. Albertans 65 years of age and older will continue to be covered under the provincial plan.

Equitable Life plan members and their dependents will continue to be covered under the parameters of their group benefits plan.

For more information, please see the Alberta Seniors Health Benefits website.

Coming soon: enhancements to Equitable EZClaim^® Online

Faster vision claims processing and payment

Equitable Life will soon provide real-time processing of vision claims submitted via EZClaim Online.

This means plan members will be able to find out the status of their vision claim almost instantaneously. And, for approved claims, they will receive payment even sooner – often in as little as 24 hours.

In order to allow for instantaneous processing and faster payment, plan members will be prompted to enter some additional information including the practitioner’s name, the date of the expense, the type of expense and amount of the expense when submitting their claims for these services.

Equitable Life plan members can submit all vision claims via EZClaim, including coordination of benefits and Health Care Spending Account claims.

This enhancement will be coming to our EZClaim Mobile app in the coming months.

New printable claims extract

As part of our ongoing efforts to improve customer experience for plan members, we will also offer a claims extract in a printable format within the plan member site. Plan members will be able to select a date range and claimant, then generate and download a detailed list of health and dental claims. This is a helpful way to keep track of claims, especially when reviewing them in preparation for income tax filing.

Once these enhancements are live you will be notified in an eNews, and an announcement will be posted on the plan member section of EquitableHealth.ca.

Elimination of Out-of-Country Travellers Program in Ontario

Effective January 1, 2020, the Ontario government eliminated OHIP coverage for emergency services for Ontarians travelling outside of Canada.

Previously, the Out-of-Country Travelers Program provided some reimbursement for services required to treat conditions that are acute, unexpected, arose outside Canada and require immediate treatment. The program covered between $200 and $400 per day for inpatient services and $50 per day for outpatient and doctor services.

For groups who have out-of-country coverage from Allianz, this change will not impact the cost to your plan members, or the process plan members follow in the event of an emergency while travelling.

Plan members should still call Allianz in the event of an out of country emergency. Allianz will deal with their claim as usual and will now pay for the portion of the claim previously paid by OHIP. Plan members will not have any additional out-of-pocket costs.

We will be sharing this information with plan members as a news item on our plan member website, equitablehealth.ca.

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