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  1. About
  2. On June 26, 2021 make room for more EDO room Effective June 26, 2021, a term rider added to an Equimax Estate Builder® or Equimax Wealth Accumulator® policy may allow for an increase to the maximum Excelerator Deposit Option (EDO) payment limit.
     
    Your clients who have a temporary insurance need and add a term rider to their Equimax plan may be able to take advantage of the additional exempt room and higher EDO payment limits to build the policy values. Make Equimax® your first choice for your clients’ whole life insurance needs.
     
    Want more information?
    Learn more about the changes and transition rules.

    Contact your Regional Sales Manager for more information on these changes and other sales ideas.
     
  3. New marketing material! 10-Pay Equimax Estate Builder - Enhanced Protection Dividend


    Let's take a second look at the Enhanced Protection dividend option

    Do you have clients who need a permanent plan with no out-of-pocket premiums payable after 10 years? Are they looking for a long-term permanent insurance solution for estate needs, but also would appreciate having some extra initial coverage for outstanding loans or other obligations?

    If so, it might be time to take a second look at the Enhanced Protection dividend option with a 10-pay Equimax Estate Builder® plan.

    Learn more by checking out our new marketing piece

  4. Clients could win $8,000 with an Equitable Life FHSA!


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    The Equitable Life® First Home Savings Account (FHSA) is available!  


    Offered on Pivotal Select™ Investment Class (75/75) and Pivotal Select Estate Class (75/100), this is a great opportunity to help clients achieve their dream of home ownership. 


    Clients who open a FHSA between September 11 and December 31, 2023, have a chance to win $8,000 towards their 2024 FHSA contribution.  And the advisor wins $2,000!   


    Help make a client’s dream of homeownership a reality, starting today!   


    To open a FHSA for clients, log into EZcomplete, our highly rated online application tool. It is easy to use, convenient, and fast.  


    For more information on FHSA, including an FAQ and client materials, visit EquiNet or contact your Regional Investment Sales Manager.  

     


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

    Equitable Life FHSA Contest: No purchase necessary. Contest period September 11 to December 31, 2023.  Enter by making a deposit to an Equitable Life FHSA during the contest period or by submitting a no-purchase entry. One prize for a total value of $8,000 CAD to be drawn on January 16, 2024, will be awarded. The servicing advisor for the policy to which the selected entrant made the deposit is also an eligible winner will receive a $2,000 CAD prize. For example, if an Equitable Life client is a winner of the $8,000 prize, the client’s servicing advisor wins a $2,000 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 full contest rules. 

    Posted September 11, 2023

  5. [pdf] Daily/Guaranteed Interest Account Application - Registered/Non-Registered
  6. January 2024 eNews

    In this issue:

    • Equitable scores high marks with group advisors*
    • REMINDER: Equitable's National Biosimilar Program starts in March*
    • 2024 dental fee guide updates*
    • Homewood Health wins HR Reporter Reader's Choice award for EFAP excellence*
    *Indicates content that will be shared with your clients.
     

    Equitable scores high marks with group advisors*

    Equitable ranked first for operational service among major group insurers in a recent study of Canadian group benefits advisors.  

    NMG Consulting, a leading global consulting firm, conducted in-depth interviews with 146 Canadian group benefits brokers, consultants, MGAs and third-party administrators between May and August 2023 for its annual Canadian Group Benefits Study. Based on these interviews, NMG ranked group insurers in six categories, ranging from operational management to technology.

    Nationally, Equitable ranked among the top three in five of the six main categories, including number one for Operational Management:
     
     
    Category Ranking
    Operational management 1st
    Initiatives (including seminars & training) 2nd
    Technology 3rd
    Underwriting & claims management 3rd
    Relationship management 3rd

    “Advisors regard us highly in many categories. That’s a testament to our mutual status and ability to focus exclusively on our clients and advisor partnerships,” said Marc Avaria, Executive Vice President, Group Insurance Division. “We are truly working together to build strong, enduring and aligned partnerships with our clients and advisors.”
     
    “We’re delighted with these results and are committed to continuously advancing our delivery of a better benefits experience for our clients and advisors,” added Avaria. 

    More highlights from the latest NMG survey

    Nationally, we ranked first in seven subcategories in Operational Management, including:
    • Overall service to intermediaries,
    • Overall service to plan sponsors,
    • New quote process,
    • Plan implementation,
    • Renewal process,
    • Accuracy and timeliness of reporting and billing, and
    • Administration quality and responsiveness
    In Underwriting and Claims Management, we finished in the top three for flexibility of underwriting (2nd).

    And we were rated strongly in Technology, finishing in the top three for:
    • Overall technology for Intermediary (2nd)
    • Member experience (3rd)
    • Quality of technology for the plan sponsor (2nd)
    • Quality of mobile application (2nd)
     

    REMINDER: Equitable's National Biosimilar Program starts in March*

    In October 2023 we announced the upcoming launch of our national biosimilar program. Starting March 1, 2024, we are expanding our biosimilar switch initiatives to provide a single, nationwide** program.  

    Why we’re making the switch 

    Over the past few years, most provinces have introduced policies to delist some originator biologic drugs. They require most patients to switch to biosimilar versions of those drugs to be eligible for coverage under their public drug plans. Soon, it is expected that all provincial drug plans will cover only biosimilars. 

    Equitable’s National Biosimilar Program simplifies drug plan coverage by replacing our provincial programs. It also protects clients from additional drug costs while offering access to lower-cost biosimilars deemed equally safe and effective by Health Canada.  

    How will this affect clients' drug plans?

    Because we have already introduced biosimilar switch initiatives in most provinces, the impact of this change will be minimal. It will primarily affect plan members in provinces or territories where we haven’t already required the switch to biosimilars. It will also affect plan members who are taking biosimilars that were not originally included in the switch initiative for their province.     

    Regardless of where they live, plan members across Canada 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. Plan members already taking the originator biologic will be required to switch to a biosimilar version of the drug to maintain coverage under their Equitable plan. We will support their transition with education, personalized communication, and resources.  

    Advance notice for plan members

    We contacted affected claimants in early December to give them enough time to change their prescriptions and avoid any interruptions in their treatment or their coverage.     

    If you have any questions about this change, please contact your Group Account Executive or myFlex Account Executive.     
     ** Excludes plan members in Quebec who participate in a separate provincial program. 
     

    2024 dental fee guide updates*

    Each year, Provincial and Territorial Dental Associations publish fee guides. Equitable uses these guides to help determine the reimbursement limits for dental procedures.

    For your reference, you may wish to refer to the 2024 list of the average dental fee increases for general practitioners.
     

    Homewood Health wins HR Reporter Reader's Choice award for EFAP excellence*

    Equitable is proud to congratulate our Employee and Family Assistance Plan (EFAP) partner, Homewood Health®, for winning the Canadian HR Reporter 2023 Reader’s Choice Award in Employee Assistance Plan services. Homewood’s EFAP provides confidential support for a range of health, family, money, and work issues through face-to-face, phone, email, chat, or video counselling. The award recognizes their high standards in counselling and mental health support services. 

    The annual Reader’s Choice Awards identify organizations that provide outstanding expertise and services for HR professionals and employers across Canada. Those organizations provide valuable information on useful, innovative HR and employee benefits products and programs, in categories such as recruitment, mental health services, employee engagement programs, and more. 

    Sharing Homewood Health with your clients 

    Since 2019, we have worked with Homewood to provide mental health services for Equitable benefits plan members. 

    Your clients can access Homewood Health’s award-winning EFAP for an additional fee by adding it to their benefits plan. Services are available 24/7, 365 days a year. 

    All Equitable clients also have free access to Homewood Health Online in their benefits plan. Homewood Online provides a variety of helpful wellness resources, including: 

    • Homeweb, an online and mobile health and wellness portal, 
    • Health Risk Assessment, a group of assessment tools to help plan members identify and overcome health and wellness barriers, and  
    • Online Internet-based cognitive behavioural therapy (iCBT) through Sentio to manage symptoms of anxiety and/or depression.  

    Questions

    To learn more about Homewood Health’s services, contact your Group Account Executive or myFlex Account Executive. 

  7. What you should know about Equitable Generations Universal Life

    Here are five things you need to know about Equitable Generations™ Universal Life

    1. Affordability

    Because Equitable Life is owned by its policyholders, we don’t have to worry about paying shareholders. That means we can focus on offering competitive pricing!

    2. Investments

    Equitable Generations Universal Life is built for the 21st century with investment options that matter to today’s buyer including Target date, Environmental, Social, and Governance (ESG) funds for sustainable investing.

    3. Fees

    Equitable Generations has eliminated most universal life fund administration fees as well as the policy administration fee.

    4. KIND™

    Equitable Generations has a suite of contractual and non-contractual claims features we call KIND, designed to help your family navigate the claims process with ease.

    5. Flexibility

    With such competitive pricing, fantastic investment options and minimal fees. Equitable Generations Universal Life provides a level of flexibility rarely seen in the Universal Life space.

    View our video on Vimeo or YouTube!

    See Equitable Generations Universal Life for yourself within one minute - try the EZStart quick quote software for advisors, available on EquiNet!

    Please contact your local wholesaler for more information. 



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

     

  8. [pdf] Pivotal Select Application - Registered/Non-Registered
  9. [pdf] Additional/Updated Client Information