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1. Let’s talk about Critical Illness insurance, the Equitable way. Having critical illness insurance benefits in an important time of need is so valuable. Get the right critical illness insurance coverage for your clients.
   
   In 2022, we made some significant updates to our EquiLiving® Critical Illness insurance plans to provide better choices and features for clients.
   
   These significant updates included:
   ●  The addition of Acquired Brain Injury as a covered condition
   ●  The addition of 20 pay options allowing more choice when choosing the right plan for your clients
   ●  The removal of the age restriction for juveniles to claim for Loss of Independent Existence
   
   Plus, a Canadian first, the addition of Cloud DX. Cloud DX is a value-added service that provides remote patient monitoring to claimants in addition to the full critical illness benefit paid by Equitable Life®. Cloud DX delivers medical grade hardware directly to the client so that Cloud DX can remotely monitor their vitals to help ensure they are on and stay on the road to recovery.
   
   
   
   
   
   View our new Critical Illness video on YouTube or Vimeo!
   
   With these updates and more, EquiLiving Critical Illness Insurance is there for clients, not only at time of their claim but also during their recovery. To learn more about Critical Illness insurance, the Equitable way, contact your local wholesaler.
    
   
   
   *Cloud DX is a non-contractual benefit and may be withdrawn or changed by Equitable Life® at any time. To be eligible for the Cloud DX offering, a claimant must be age 12 or older and have received payment on or after February 12, 2022 for a covered critical condition benefit under an individual critical illness insurance policy issued by Equitable Life. An early detection benefit payment does not qualify.   Equitable Life pays for 6 months of Cloud DX subscription fees.  If the claimant wishes to continue the Cloud DX service after 6 months, they will be responsible for the cost.
    
   ^® and ^TM denote trademarks of The Equitable Life Insurance Company of Canada.
    
2. Claims payments and notifications will go fully digital on July 1, 2023 We are committed to providing a better benefits experience. We have secure and convenient digital options to make it easier for plan members to access and use their benefits plan, including EquitableHealth.ca and the EZClaim Mobile app.
   
   Most plan members are already using these tools to set up email claim notifications and direct deposit. They get their claim updates faster and their claims paid more quickly, right into their bank account.
   
   To help ensure that all plan members benefit from faster claim payments and notifications, we are making these services fully digital as of July 1, 2023. That means, in most cases, we will no longer mail paper claim cheques or explanation of benefits (EOB) notifications.**
   
   Plan members who haven’t already activated direct deposit and email notifications will need to activate these services via their plan member account on EquitableHealth.ca. 

   How we’ll help plan members get set up

   Fortunately, it’s simple for plan members to set up these features. And it only takes a few minutes. To make it even easier, we’ve created a Plan Member Guide to Getting Started Online. It includes simple instructions to help plan members use our digital features and get the most from their benefits plan. 
   
   We have also created a toolkit that plan administrators can email to their plan members to walk them through the simple steps. Access the toolkit here.
   
   And we’re available to guide plan members who may need help. They can call us at 1.800.265.4556 and select “Plan Member Web Support”. Our Client Care Centre Team is happy to help them activate these services. 

   How we’ll communicate with plan members

   We will start communicating this change to plan members in April. For plan members who aren’t taking advantage of these convenient features, we will send them an email to let them know about the change, with instructions and support on getting set up.
   
   We will also include an insert with all mailings of paper cheques and EOB notifications sent out. And we will post an announcement and banner on EquitableHealth.ca to let plan members know about the change.
    

   How we’ll support plan members who need extra help or accommodations

   After July 1, 2023, we will follow up with plan members who have not yet activated direct deposit or email notifications for their claims and provide any extra help and support they may need. And, of course, we’ll make exceptions for plan members who aren’t willing or reasonably able to use these features. 

   Questions?

   If you have any questions, please contact your Group Account Executive or myFlex Sales Manager.
   
   ** Disability claimants will continue to receive paper Explanation of Benefits notifications in the mail. Some pay-direct drug claims will also continue to be paid by cheque.
3. Let’s “Talk Money”: Helping clients feel better about their finances This November is Financial Literacy Month, and the theme is simple but powerful: “Talk Money.” The goal is simple—get Canadians talking about money. When people open up about budgeting, debt, or financial stress, they feel more confident and less alone.
   
   Money and mental health are connected
   Many Canadians feel stressed about money. That stress can affect their mental health. As an advisor, you can help by starting honest conversations. When clients talk about their worries, they’re more likely to take action and feel better.
   
   How advisors can help
   You don’t need to be a therapist. Just listen, ask questions, and offer simple steps. Here are a few ideas:
   
    
   • Ask how clients feel about their finances.
   • Share stories of others who overcame money stress.
   • Celebrate small wins, like setting a budget or saving a little more.
   • Use Equitable’s online learning modules to equip yourself with knowledge to help support client goals.
   • Watch our on-demand webcast: How to stay grounded in a changing world: Supporting financial and mental well-being
   
   Let’s talk money
   Talking about money helps people feel stronger and more in control. This month, let’s help clients open up, take action, and build better habits—financially and emotionally.
   
   If you have any questions, feel free to reach out to your Director, Investment Sales.
4. 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

5. Benefits and Key features
6. Repositioned Wealth Accumulator available

   Repositioned Equimax Wealth available now

   As we continue to grow to meet the needs of various market segments, our product options for your high net worth (HNW) clients have also been improved. Equimax Wealth Accumulator^® has been repositioned to meet the needs of your high net worth clients by providing more deposit room and competitive early cash values.

   Equimax Wealth is now repositioned for your high net worth clients

   Equimax Wealth Accumulator is now targeted for clients ages 45 to 65 with an insurance need but also looking for tax advantaged growth as an alternative to traditional investments. It allows your clients to achieve both while diversifying their portfolio and saving taxes, particularly for corporations.
   

   Highlights of the repositioned Equimax Wealth Accumulator:

   • More deposit room - Allows for significantly more deposit room by reducing the initial death benefit. This means more money can be paid into the policy to promote the tax-advantaged investment growth.
   • Higher early cash surrender values - We are more competitive on total cash value in years 1 to 10 in the target market ages of 45-65. The higher extra deposit room and early surrender cash value allows the illustration to show an earlier premium offset, which is key for the HNW market.
   • More competitive on life pay - Improvements to life pay more notable than 20 pay. Reduced premiums for most male and female non-smokers in our target market (ages 45-65) as well as 2, 3, and 4 year improvement in illustration of premium offset.
   • More competitive at older ages - A shift in the target market means you can support older clients in the HNW market. The Equimax Wealth Accumulator is now more competitive at ages 45-65.

   Learn more

   For full details on the transition, please see our transition rules.

   For more information on this product, please visit the Equimax page on Equinet.

7. Critical Illness - More Covered Conditions
8. How to talk to clients about CI when they don’t want to
   Does this sound familiar? 
   
   You’re having a chat with your client about Critical Illness insurance. They suddenly interject: “Critical illness insurance isn’t for me.”
   
   “Why is that?” you ask. 
   
   “Because….
   -  Critical Illness insurance is expensive!
   -  I don’t understand what it covers exactly.
   -  I have money to cover me if I get sick, so I don’t need this.
   -  I’m healthy enough.
   -  It’s not life insurance, so I don’t need it right now. 
   -  I already have disability coverage through my work.”
   
   If you’ve heard any of these responses, and didn’t know how to respond, we can help. 
   
   
   Our Path to Success program covers all these objections and more with simple-to-follow PDFs and videos. You’ll learn conversation strategies and tips on how to navigate the sale. Most importantly, you’ll know exactly what to say the next time a client objects to Critical Illness insurance. 
   
   Want to learn more? Check out our CI Path to Success modules here!
   
   Need CE credits? Take our Path to Success program here. 
9. 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.  
    
10. [pdf] The Approach to Suitable Sales - Reference