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  1. Give clients guaranteed retirement income with Payout Annuities
    With increased market volatility and interest rates higher than we have seen for much of the past decade, now is a great time to consider payout annuities. Payout annuities can provide regular guaranteed income regardless of how markets perform. 
     
    Clients using only a Systematic Withdrawal Plan (SWP) for retirement income are potentially vulnerable during times of market volatility due to the sequence-of-returns risk.1 When markets are down, more units are redeemed to cover income needs. When markets later rise, clients are not able to participate fully in the recovery because more units were redeemed to provide income. That is why having a guaranteed income component, like a payout annuity, as part of an overall retirement strategy is so important.
     
     
    Two great reasons to consider Equitable Life® for your payout annuity business:

    1. Choose from a variety of payout annuity options including:
       
         A. Life Annuity – guaranteed income for one life
         B. Joint Life Annuity – guaranteed income for two lives
         C. Term Certain – guaranteed income for a specific period of time (5 to 30 years)
         D. Term Certain to Age 90 – guaranteed income until age 90

    2. Attractive rates, particularly in Registered and Term Certain Annuities

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    For more information, please contact your Equitable Life Regional Investment Sales Manager.
     
     
    1Sequence-of-returns risk, or sequence risk, is the risk that an investor will experience negative portfolio returns very late in their working life and/or early in retirement.
     ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
  2. Marketing Materials Critical Illness
  3. Life, accident and critical illness
  4. Critical Illness Claim
  5. Critical Illness Insurance
  6. December 2023 eNews

    Insights on EZBenefits from our Executive Vice-President, Group Insurance


    When it comes to advising small business owners, it can be tough to find the right group benefits solution. Offering a competitive benefits plan is more important than ever to help small business owners attract and retain talent. They need an affordable solution that’s easy to implement, renew and maintain.

    That’s why we launched EZBenefits for small business earlier this year. It’s a unique group benefits solution designed with you and your small business clients in mind. 

    Marc Avaria, Executive Vice-President, Group Insurance, explains:

    Find out more

    Visit info.equitable.ca/EZBenefits for more details or to request a quote. If you have questions, contact your Equitable Group Account Executive.


    Supporting plan members through cold and flu season with Dialogue Virtual Healthcare*

    Now that cold and flu season is here, many Canadians will start calling in sick or missing work to visit their doctor – if they can get an appointment. Now’s the time to remind your clients that Equitable offers Dialogue Virtual Healthcare. It can be added to any Equitable plan for an additional cost.

    Eligible plan members and dependants receive fast, on-demand access to virtual primary medical care—24/7, 365 days a year. Available for a variety of non-urgent health concerns, Dialogue Virtual Healthcare can make it easier to navigate cold and flu season by providing:
    • Access to the largest, most experienced bilingual medical team in Canada,
    • In-app prescription renewals and refills,
    • Personalized follow-ups after each consultation, and
    • An all-in-one patient journey to address health issues. This reduces long waits and means less time away for doctor appointments.

    Benefits of Virtual Healthcare for plan sponsors

    When your clients provide Virtual Healthcare for their plan members, they can help:
    • Drive employee engagement;
    • Reduce absenteeism related to in-person medical appointments;
    • Manage chronic health issues;
    • Attract and retain top talent; and
    • Build a healthier workforce.

    Learn how it works

    Adding Dialogue Virtual Healthcare to your clients' plans

    To learn more about adding Virtual Healthcare to your clients’ benefits plans, contact your Group Account Executive or myFlex® Account Executive. You can also share this resource from Dialogue on managing cold and flu season.


    Changes to Short-Term Disability benefits calculations*

    The Canada Employment Insurance Commission and Canada Revenue Agency have announced the 2024 changes to Maximum Insurable Earnings, and premiums for employment insurance. The following changes to Employment Insurance (EI) will take effect January 1, 2024:

    How does this affect your clients?

    To comply with client policy provisions, Equitable will revise Short-Term Disability (STD) benefits with the updated maximums based on the percentage of EI Maximum Weekly Insurance Earnings for policies that meet these conditions:
    • Policies that include a STD benefit that is tied to the EI Maximum Weekly Insurable Earnings, and
    • Policies with a classification of employees that has less than a $668 maximum.
    • The additional premium for any increase from their previous STD amounts and new STD amounts will be shown on your clients’ January 2024 Group Insurance Billings (as applicable). 
    If a client’s STD maximum is currently higher than $668 or based on a flat amount (not based on a percentage or regular earnings), no change will be made to their plan unless otherwise directed.
     
    If your clients wish to provide direction regarding revising their STD maximum, or have questions about the process, they can email Kari Gough, Manager, Group Issue and Special Projects.

    *Indicates content that will be shared with your clients. 
  7. [pdf] The Right Time To Buy And Sell
  8. Par Whole Life Summary
  9. New web illustration tool for critical illness insurance

    A seamless integration with EZcomplete


    At Equitable®, we’re always looking for new ways to help you manage your business. We are excited to introduce our new web illustration tool for Critical Illness (CI) insurance. 

    This simple and intuitive tool integrates with the EZcomplete® dashboard to create a seamless experience. 

    Key features:
    ● Create CI illustrations for clients that easily transition to the application, with most fields auto populated.
    ● Save illustrations on your EZcomplete dashboard. This allows you to return and change or finish the quote at your convenience.
    ● Generate a fully compliant CI illustration PDF without logging into EquiNet®.

    Reminder: You have access to the same web illustration features for term insurance. 

    Visit the new web illustration tool here.



    ® and TM denote trademarks of The Equitable Life Insurance Company of Canada.
  10. Sales Illustrations