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1. [pdf] Equitable GIF Registered Application
2. [pdf] Equitable GIF FHSA Application
3. [pdf] Equitable GIF TFSA Application
4. Forget the password. Create your EquiNet passkey today. Passkey technology lets you log in to your EquiNet account securely using your face or fingerprint, removing the need for a password. Your biometric data stays safely on your device, making passkey a simple, fast, and highly secure way to access your account. You may already be using passkey on your personal devices.
    
   Ready to get started? Watch the video to learn how to create a passkey on your mobile device. Starting this December, if you choose to continue to log in using your email address and password, you may also be required to enter a one-time passcode that’s sent to your email.
    
   Important! Protect your credentials.
    
   In 2026, all your Equitable^® accounts will use the same credentials to log in.
    
   Remember that you have personal information in your Client Access^® and EquitableHealth.ca^® accounts. To keep your personal information private and safe, make sure you’re the only one using your login credentials.
    
   Watch for ongoing communications and updates about how Equitable is helping to protect your information.
    
5. 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

6. Get the Straight Talk on Equitable’s par account performance

   Real answers to big questions

   At Equitable, we understand how important it is to make confident decisions when dealing with large cases. When you have questions, you need concise, direct insights from leaders and subject matter experts.

   Introducing the Straight Talk video series

   Today, we are thrilled to share the first episode of Straight Talk. This episode features Mark Arruda, VP of Individual Insurance Pricing and Finance.
   
   Mark talks about how Equitable’s par account is built to perform in all kinds of conditions, with strong governance, disciplined risk management, and prudent capital practices that ensure stability even when large life insurance claims are paid out.
   
   Watch Straight Talk for straight answers to the questions that matter most.
   
   Contact your Equitable Wholesaler to learn more about Equimax.
   
    

    

7. Equitable Life Group Benefits Bulletin – October 2020

   In this issue:

   • Group benefits enrolment just got a lot easier*
   • Critical Illness added to myFlex Benefits® selection tool**
   • ASO dental available down to 3 lives
   • QDIPC updates terms and conditions for 2021*

   *Indicates content that will be shared with your clients
   **Indicates content that will be shared with myFlex Benefits groups only

   Group benefits enrolment just got a lot easier*

   Our Online Plan Member Enrolment tool now makes it simple to add new employees to the benefits plan.

   Enrolling new plan members can be overwhelming – for both you, your clients and their employees. It’s challenging to ensure plan members complete the necessary paperwork before the enrolment deadline, and time consuming to manually load new members.

   That’s why we’re updating our plan member enrolment experience. Beginning November 2^nd, 2020, all Equitable Life groups will be able to easily enrol new employees in the benefits plan with our Online Plan Member Enrolment Tool.

   Benefits of Online Plan Member Enrolment

   Our Online Plan Member Enrolment tool offers a more secure and efficient option to traditional paper enrolment. Employees are able to enrol in their benefits plan in just minutes from their computer or mobile device.

   The user-friendly interface was built with the plan member in mind. They can easily enter all their enrolment information, including dependent details, banking information for direct deposit of claim payments and details for coordination of benefits. They can even designate their beneficiary electronically.

   The online enrolment tool also lessens the effort for plan administrators to onboard new hires. The tool reduces errors and rework that can occur due to spelling mistakes or missing information on paper forms. And the days of chasing plan members for their paper enrolment forms are gone. Once they enter a few employee details, our system will automatically send out an email to each plan member, inviting them to enrol in their benefits program. And there will be no need to send reminders or follow up with employees about their benefits enrolment. It’s all done automatically.

   Online plan member enrolment is available to all traditional and myFlex Benefits plan administrators with update access beginning November 2^nd, 2020. Plan administrators just choose “New” from the “Certificate” view in EquitableHealth.ca to get started.

   This enhancement is for plan administrators who have update access on EquitableHealth.ca. If your clients are not sure if they have update access, they can contact their Equitable Life Client Relationship Specialist or myFlex Benefits Team for support.

   Learn More

   We’ve created Online Plan Member Enrolment User Guides to support your clients and their plan members with this new tool:

   • Online Plan Member Enrolment 1-page flyer
   • Plan Member Online Plan Member Enrolment Quick Reference Guide
   • myFlex Plan Member Online Plan Member Enrolment Quick Reference Guide

   We’re also offering a series of webinars to help your clients learn about Online Plan Member Enrolment. Plan administrators will receive an invitation with links to register for the time that best suits their schedule.

   Help your clients spend less time administering group benefits. Contact your Group Account Executive or myFlex Sales Manager to learn more about our enhanced online plan member enrolment.

   Critical Illness added to myFlex Benefits selection tool*

   For many employers, mandatory Critical Illness (CI) coverage is an important part of their group benefits package. It provides proactive protection against life-altering illness, helping give plan members and their families a sense of security.

   While CI is available on myFlex Benefits plans, it was not built into our benefits selection tool since there is no action required by the plan member.

   Beginning November 2^nd, 2020, we are adding a CI page to the myFlex Benefits selection tool that appears when this coverage is included as part of the plan. There are no options to choose – plan members simply review their CI coverage and carry on with the benefits selection process. It keeps the process smooth, while ensuring plan members fully appreciate their employer’s contributions.

   Adding CI to the benefits selection tool also simplifies the budgeting process for employers. Now that CI is included in the selection tool, employers no longer need to break out the amount billed for CI from their contribution per employee when loading flex allocations.

   To learn more about our myFlex Benefits selection tool or Critical Illness coverage for myFlex Benefits, contact your myFlex Sales Manager.

   ASO dental available down to 3 lives

   Beginning November 2^nd, 2020, groups with as few as three full-time employees will be able to self-insure their Equitable Life dental benefits with an Administrative Services Only (ASO) funding arrangement.

   Currently, dental benefits are only available on an ASO basis for groups with 20 lives or more.

   In an ASO arrangement, Equitable Life administers the benefits plan but does not insure it. The plan sponsor pays for all eligible claims, as well as the expenses of administering the plan.

   Why ASO?

   Choosing an ASO funding arrangement allows plan sponsors to save on premiums. With a traditional insured funding arrangement, a portion of every premium dollar includes a charge for the risk that the insurer is assuming to cover the claims.

   With an ASO arrangement, the plan sponsor assumes all risk, so they avoid the risk charge. And since dental claims are usually more predictable than other benefits, there is typically less risk involved in covering those claims.

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

   QDIPC updates terms and conditions for 2021*

   Every year, the Quebec Drug Insurance Pooling Corporation (QDIPC) reviews the terms and conditions for the high-cost pooling system in the province. Based on its latest review, QDIPC is revising its pooling levels and fees for 2021 to reflect trends in the volume of claims submitted to the pool, particularly catastrophic claims.

   Size of group (# of certificates)	Threshold per certificate 2021	Annual factor (without dependents)	Annual factor (with dependents)
   Fewer than 25	$8,000	$251.00	$691.00
   25 - 49	$16,500	$165.00	$455.00
   50 - 124	$32,500	$94.00	$258.00
   125 - 249	$47,500	$68.00	$187.00
   250 - 499	$72,000	$49.00	$135.00
   500 - 999	$95,000	$40.00	$111.00
   1,000 - 3,999	$120,000	$35.00	$95.00
   4,000 - 5,999	$300,000	$16.00	$44.00
   6,000 and over	Free market - Groups not subject to Quebec Industry Pooling	Free market - Groups not subject to Quebec Industry Pooling	Free market - Groups not subject to Quebec Industry Pooling

   We will apply the new pooling levels and fees to future renewal calculations that involve Quebec plan members.

8. Choosing the right funds
9. Enhanced flexibility and features make Equimax whole life a great choice for your clients

   WHAT’S NEW ON MARCH 23, 2020?

    
   The following features are available on Equimax Estate Builder^® and Equimax Wealth Accumulator^® plans!   
   
   60 months of EDO payment flexibility¹ that fits your clients’ situation

   • Clients can start EDO payments¹ up to 60 months from the date the application was signed, or resume up to 60 months from the last EDO payment made, without additional evidence of insurability.
   • Applies to Equimax² policies with an effective date of March 23, 2020 or later. 
   
   
   
   
   EDO is available on cases rated 300% or less³ for new and existing clients
   • For existing clients, if approved, the EDO contract provisions that apply will be based on the effective date of the insurance policy, not the date the EDO was added.
   • Applies to Equimax² policies issued under the 2017 tax rules.
   
   
   
   Built-in Disability Benefit Disbursement provides access to cash value in the event of a disability
   • The Disability Benefit Disbursement may provide a tax-free, lump sum payment of up to 100% of the policy’s cash value if the insured becomes disabled.⁴
   • Will be included on Equimax² policies issued under the 2017 tax rules.⁵

   
   
    

   Want more information?

   More information is available on EquiNet^® on the Whole Life Insurance Product page under the Resources tab. 
   
   Ask your Equitable Life^® Regional Sales Manager about Equimax today.

   COVID-19 & social distancing: Strategy for insurance applications   Using our EZcomplete® online application allows you to keep your distance … while keeping your business moving forward.   Learn more

    

   
   ¹ This applies only to policies with an effective date of March 23, 2020 or later. The amount of the EDO payment allowed may be limited to the maximum EDO payment made in previous years depending on the policy year. For approved EDO amounts exceeding $150,000 annually ($12,500 monthly), clients have up to 12 months from the date the EDO application was signed or the date of the last EDO payment to make an EDO payment before a contribution cap may apply. See Admin Guide for full details.  ² Applies to Equimax Estate Builder and Wealth Accumulator; all ages; life pay and 20 pay; single and joint lives. ³ Not available if the policy has a flat extra rating. ⁴ See sample policy contract for full details, including the qualifications for the disbursement. Policy cash value and death benefit will decrease. Tax laws are subject to change. The payment of the disability benefit disbursement may affect the adjusted cost basis (ACB) of the policy as it is considered payment of a capital benefit. Changes in ACB can affect the future taxation of the policy.  ⁵Subject to our administrative rules and guidelines in effect at the time of the disbursement

10. Transaction Authorization Requirements table for Savings & Retirement advisors Equitable Life® is here to help. When it comes to getting certain transactions authorized in a non face-to-face environment, you might need some direction. We’ve got you covered.
    
    Equitable has created a quick reference table on EquiNet™. The Transaction Authorization Requirements table provides details on how to get certain forms approved and the best way to get them to us. Each form listed gives the authorization type that is accepted. We’ve also provided details when we receive a document that is considered not-in-good-order.
    
    As we navigate through COVID-19, we will continue to update this table. This means you have the most current information available at your fingertips, 24/7.
    
    Have other questions about COVID-19? Check out our Savings & Retirement COVID-19 update page on EquiNet as well. This page provides the latest news and information for Savings & Retirement advisors.
    
    Still have a question? Give our Advisor Services team a call Monday to Friday 8:30 a.m. – 7:30 p.m. ET at 1.866.884.7427 or email savingsretirement@equitable.ca, or your local Regional Investment Sales Manager.