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  1. Pique your Fi-natical Curiosity with Equitable and Invesco

    Get ready for an engaging session where we'll uncover 8 core topics that every advisor should know about clients. One of those core topics is “who do you care about?” This helps advisors understand who is important to clients, so they can then begin to include them in their planning. Let's dive in and discover how to make client relationships even stronger.

    Rob Kochel, Director, Invesco Consulting Canada, will explain how asking the right questions helps advisors learn more about clients, so they can work towards capturing up to 70% more of their clients’ assets. Join Joseph Trozzo, Vice President, Investment Sales, at Equitable® as he hosts this Master Class webcast on “Fi-natical Curiosity”.

    Featured Speaker: Rob Kochel
    Rob is a Director with Invesco Consulting. This group has earned a reputation within the financial sector as a premier provider of business strategies to the industry. Rob is a national speaker who is recruited for keynote presentations and workshops to share his personal learnings and Invesco Consulting's expertise.

    Learn more

    Continuing Education Credits 
    This master class has been submitted for continuing education (CE) approval for all provinces excluding Quebec via the Insurance Council of Manitoba and Alberta Insurance Council. Upon approval, you will be sent an email notification to come back to the webcast presentation console to download your personalized certificate from the tool bar. 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: March 13, 2025

  2. Let’s “Talk Money”: November is financial literacy month This November, we’re joining the Financial Consumer Agency of Canada’s national campaign to help Canadians feel more confident about money. This year’s theme is “Talk Money”, and it’s all about normalizing money conversations.

    Talking about money— including topics like saving, budgeting, or dealing with debt—can feel hard. But when we speak up, we help reduce stress and build stronger financial habits. As advisors, you can lead the way by starting these conversations with clients.

    How you can help
    • Start the conversation: Ask clients about their goals and worries.
    • Share tools: Use Equitable® Individual Wealth calculators and learning modules to help guide conversations.
    • Support wellness: Money stress affects mental health. Be a calm, helpful voice.

    What’s next?
    Watch for more Financial Literacy Month updates throughout November. We’ll be sharing tips, tools, and conversation starters to help you connect with clients and support their financial journey.

    Let’s help Canadians take small steps toward better financial futures — one conversation at a time.
  3. Protect clients and yourself from cyber attacks Cyber criminals are targeting advisors’ computers and email accounts. They are targeting advisors because you have detailed financial information about clients. These attacks put you and clients at risk by exposing private financial data, allowing unauthorized withdrawal attempts, and easing identity theft. A breach can lead to financial loss and a damaged reputation.

    How to stay safe:
    • Use strong security: Turn on multi-factor authentication, change your passwords often, and make sure passwords are unique.
    • Install antivirus or internet software: Use trusted programs such as Norton or McAfee to protect your computer.
    • Keep everything updated: Make sure your computer’s operating system and software are up to date.
    • Get expert help: Ask an IT professional to check your security system.
    • Be careful online: Take cybersecurity training to learn about new threats. Don’t click on suspicious links, including from people you don’t know.
    • Have cyber insurance: This can help protect you if something goes wrong. You can usually get it through your E&O provider.

    Remember: Cyber criminals also target the public, including client email accounts. They may use a client’s email to send you requests that look real. Call clients to confirm emailed requests, especially if someone asks to withdraw money or change banking information.

    Our clients trust you with their financial future. Do everything you can to keep their information safe.
  4. Introducing Path to Invest for learning and earning CE credits Equitable Life is pleased to introduce Path to Invest, our self-serve Continuing Education accredited presentation platform for advisors.
     
    Whether you want to learn more about the financial services industry or how responsible investment solutions can fit into a client’s overall financial well-being, Path to Invest has what you are looking for.  

    It’s a one stop shop with 15 accredited presentations on a variety of topics.  All with a video tutorial, short quiz and resource links for more information. 

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    A few important notes before you get started. 
    PLEASE USE CHROME to get the best online experience as elements of the platform may not display correctly in other browsers.
     
    To get started on your Path to Invest:
    • • Click Equitable Life Education site
    • • Use the email address that you received this email to login.
    • • Your password is Equitable
    • • This link is specifically for your use only. Please do not share this link.
    Earning CE credits with Path to Invest is easy. 
    1. Select a module.
    2. Watch the entire video presentation.
    3. Complete the quiz and receive a passing grade.
    Once you’ve successfully completed the requirements, your personalized CE certificate will automatically be available to download.
     
    Check out Path to Invest and start learning and earning CE credits today. 

    Questions? Contact your Regional Investment Sales Manager to get started on your Path to Invest today!
     
    ™ or ® denote registered trademarks of The Equitable Life Insurance Company of Canada.

    Posted June 14, 2023
  5. EXCITING NEWS! Digital Transactions for Universal Life Plans Now Available We are happy to announce a major update to our digital systems that makes managing Equitable Universal Life (UL) policies easier than ever. Starting now, you can use digital transactions to submit your clients’ instructions to change their UL deposit allocations and transfer funds between accounts.
     
    This update builds on the recent launch of our digital policy loan request on EquiNet® and is another step towards making your Equitable® experience easier and more convenient.

    What's New?
    In the past, you had to submit written requests for UL deposit allocation changes and account value transfers using the Universal Life Form 693UL (you can still use this method if you prefer).
     
    Now, you can manage these transactions directly through the secure EquiNet advisor portal. This new process also allows clients to securely approve their requested changes by email.
     
    To get started, simply log into your account on EquiNet and go to the Policy Inquiry tab.
    We have provided a brief user guide to help you through the steps.
     
    We trust that this digital upgrade will enhance the way you work with Equitable. Stay tuned for more digital enhancements in the near future!
     
    Thank you for your continued support and partnership.
     
    Questions? For more information, please reach out to your wholesaler or our customer service team.
     
     
    ® or TM denotes a trademark of The Equitable Life Insurance Company of Canada.
     
  6. Open doors with our updated CI & UL solutions! Have you heard the news? On October 8th, we rolled out several updates to our competitive Equitable® product lineup—including our Critical Illness (CI) and Universal Life (UL) plans. 

    These updates are all about cost savings for clients and helping advisors like you grow your business. And the response has been fantastic!


    What’s new for CI and UL?

    1. Lower monthly costs for new EquiLiving® critical illness (CI) policies paid monthly – hello savings!

    •    The monthly modal factor for CI decreased from 0.09 to 0.0867.
    •        The monthly policy fee decreased from $4.50 to $4.34.

    *Note:  EquiLiving premium rates and annual policy fees have not changed. 

    2. Lower monthly costs for UL policies with CI riders added – now it’s more affordable to add CI coverage when selling UL!



    Commissions got a makeover too

    Good news! Commissions on Term and EquiLiving CI policies are now calculated based on the total premium paid for the policy year—even if clients opt for monthly payments. No more annual premium commission calculations!

    Learn more! 

    Questions? Contact your Equitable wholesaler for all the details.

    Cheers to savings and growing your business with Equitable!





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

  7. Responding to Ontario’s biosimilar switch initiative

    We are changing coverage for some biologic drugs in Ontario in response to the province’s biosimilar initiative. These changes will help protect your clients’ plans from additional drug costs that may result from this government policy while providing access to equally safe and effective lower-cost biosimilars.

    Ontario’s provincial biosimilar initiative
    Announced in December 2022, Ontario’s biosimilar switch program ends coverage of eight biologic drugs for Ontario residents covered by the Ontario Drug Benefit (ODB). The transition to biosimilar versions of these drugs began on March 31, 2023. ODB recipients using these drugs will be required to switch to biosimilar versions of these drugs by December 29, 2023, to maintain their provincial coverage

    Equitable Life’s response
    To ensure this provincial change doesn’t result in your clients paying additional and avoidable drug costs, we are changing coverage in Ontario for most biologic drugs included in the provincial initiative.

    Beginning October 1, 2023, plan members in Ontario will no longer be eligible for most originator biologic drugs if they have a condition for which Health Canada has approved a lower cost biosimilar version of the drug.** These plan members will be required to switch to a biosimilar version of the drug to maintain coverage under their Equitable Life plan. 

    Communicating this change to plan members
    We will inform any affected plan members in early August of the need to switch their medications so that they have ample time to change their prescriptions and avoid any interruptions in treatment or coverage. 

    Will this change impact my clients’ rates?
    Any cost savings associated with the change will be factored in at renewal.

    What is the difference between biologics and biosimilars?
    Biologics are drugs that are engineered using living organisms like yeast and bacteria. The first version of a biologic developed is known as the “originator” biologic. Biosimilars are highly similar to the drugs they are based on and Health Canada considers them to be equally safe and effective for approved conditions

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

    ** The list of affected drugs is dynamic and will change as Ontario includes more biologic drugs in its biosimilar initiative, as new biosimilars come onto the market, and as we make changes in drug eligibility.
  8. GIA Coming to the Equitable FHSA Many clients have already taken advantage of Equitable’s First Home Savings Account (FHSA), available on Pivotal Select™ Investment Class (75/75) and Pivotal Select Estate Class (75/100).
     
    And now, we’ve got some more great news. We’re working to expand the Equitable® FHSA to include our Guaranteed Interest Account (GIA). But clients don’t need to wait to start earning tax-free income in a FHSA.
     
    If clients want to open a FHSA now but may be interested in an Equitable GIA,  simply choose the No-Load Equitable Money Market Fund Select investment option while we work on including the GIA on FHSA. The current yield to maturity is 5.41% gross.1
     
    We will let you know when the GIA is available in FHSA in the coming months. Once it is available, advisors can speak to clients about the GIA options available in the FHSA and select what best suits their needs.

    Don’t forget, clients who make a contribution to their FHSA, RRSP or TFSA between January 1 and February 29, 2024, could win $5,000 and you could win $1,000 in Equitable’s New Year’s Resolution, New Year’s Contribution Contest.2
     
    For more information, please contact your Regional Investment Sales Manager.
     
    1 As of January 16, 2024, 4.06% net after deducting the management expense ratio. Yield to Maturity: the market value weighted-average yield to maturity includes the coupon payments and any capital gain or loss that the investor will realize by holding the bonds to maturity.
     
    2 Equitable’s New Year’s Resolution, New Year’s Contribution Contest: No purchase necessary. Contest period January 1, 2024, to February 29, 2024.  Enter by making a deposit to an Equitable FHSA, TFSA or RRSP during the contest period or by submitting a no-purchase entry. One prize for a total value of $5,000 CAD to be drawn on March 8, 2024, will be awarded. The servicing advisor for the policy to which the selected entrant made the deposit is also an eligible winner and will receive a $1,000 CAD prize. For example, if an Equitable client is a winner of the $5,000 prize, the client’s servicing advisor wins a $1,000 prize.  Open to legal residents of Canada of the age of majority. Odds of winning depend on number of eligible Entries received during the Contest Period.  For full contest rules, including no-purchase method of entry, see the full contest rules.

    Posted January 17, 2024

  9. Path to Invest
  10. Two options for supporting plan members during the pandemic

    We know these are difficult times. In addition to concerns about their health and the health of their family, working Canadians are worried about their jobs and their finances. Fortunately, through our partnership with Homewood Health®, we have two options for employers to support their employees through this crisis.

    Below is an overview to refer to when you're meeting with your clients. Or you can download this PDF version.

    Homewood Online (Homeweb)

    All Equitable Life® clients and their plan members have access to Homeweb, a personalized online mental health and wellness portal. Accessible via the web or mobile app, Homeweb includes an online library of interactive tools, assessments, e-courses and resources to support plan members through the pandemic.

    Homewood Health Employee and Family Assistance Program (EFAP)

    Employers can provide additional support by adding the Homewood Health EFAP. In addition to full access to Homeweb, it offers confidential short-term counselling through a national network of mental health professionals, plus other resources and tools.

    To make it easier to understand the options, here’s a detailed summary of what’s included with each:

    Service Description Homeweb EFAP
    Homeweb.ca A secure and personalized online portal that includes hundreds of articles and resources, including e-books, toolkits, self-assessments, podcasts and more.
    Homeweb Mobile App One of Canada’s newest EFAP mobile apps that allows users to access every one of Homewood’s online tools and resources wherever they are.
    i-Volve Cognitive Behavioural Therapy Tool An online self-directed treatment tool that helps coach plan members to identify, challenge and overcome anxious thoughts, behaviours and emotions.
    Online Health Risk Assessment An online tool that helps plan members identify and address their health and wellness risks and barriers.
    Short-Term Counselling Short-term counselling provided face-to-face, by phone, email, chat or video through a national network of counsellors and clinical professionals.  
    Life Smart Coaching A suite of telephonic and online services including coaching and resources to help employees manage their life balance, finances, health and career. Online resources only.
    Trauma response Prompt, compassionate and effective response to traumatic events, consisting of one three-hour block with one counsellor at one location per year.  
    Legal Resources One-on-one consultation with a lawyer for guidance on issues such as family law, civil litigation, real estate and immigration. Online resources only.
    Key Person Advice Line (KPAL) Designed for HR, managers and supervisors, this service provides Online Management Resources and Workplace Situation Professional Support.  
    Resource Locator Online childcare and eldercare resources locators.

     

    For more information, please contact your Group Account Executive or myFlex Sales Manager.