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Individual Insurance
New! Evidence of Insurability Schedule
We are pleased to announce Equitable’s new Evidence of Insurability Schedule. The new schedule applies to all life and critical illness insurance applications signed on or after October 5, 2024.
Here are the benefits to you:
● New chart is easier to read with more clarity and transparency.
● ECG and TST are no longer routinely required for Life applicants.
● Blood and urine requirement is streamlined for Life applicants.
● Detailed underwriting requirements for higher coverage amounts and mature applicants.
Please refer to the new Evidence of Insurability schedule (Form #1343) for full details.
Equitable® has the right to ask for more evidence of insurability. We will do this if we feel it is needed to assess the risk.
Key changes – Age and amount requirements
Life applicants:
● Resting ECG: No longer a routine age and amount requirement. This may still be requested at our underwriter’s discretion.
● Treadmill ECG: No longer required at any age or amount.
● Standalone Urine: Standalone urine changed to blood and urine at $100,001 and $500,000 coverage amounts for clients over age 55.
● Mature Age Focus Interview (MAFI): New for clients aged 75+. As part of the paramedical, we will assess the applicant’s Activities of Daily Living, social activities, and word recall ability.
Life and Critical Illness applicants:
● For clients aged 70+, evidence is now valid (recent) if completed within the past 6 months. For all other applicants (ages 18-69), there is no change – evidence is valid if completed within the past 12 months.
Financial/Third-party verification
Reminder – this is required for life insurance amounts over $5M. Our underwriting team will be pleased to assist you with this step.
Questions? Please contact your Equitable wholesaler or reach out to our underwriting team.
® or TM denotes a trademark of the Equitable Life Insurance Company of Canada.
1 minute read
Savings & Retirement
Join your Equitable Savings & Retirement Operations team for valuable tips and tricks
You’re invited to our next Equitable® Savings & Retirement Operations webcast, offering compelling topics and unique ideas to help you manage and grow your business.
Join your host, Shannon Labby, Investment Sales Vice President, Equitable, along side Heather Boniface, Director, Client & Partner Operations, Lisa Zidar and Lisa Litt, Product Owners, Savings & Retirement Digital Experience.
Your Equitable Operations team will share:
• Key dates to keep you on track for RRSP & tax season.
• Important initiatives within their respective teams.
• Overviews of functionality and enhancements for EZcomplete® and EZtransact®
• Valuable tips and tricks to ensure your continued success in the field.
You won’t want to miss it!
Register now
Date: Wednesday, October 30, 2024
Time: 2 p.m. ET / 11 a.m. PT
Continuing Education Credits
Continuing Education Credits are not available for this webcast. This webcast is available in English only.
Date posted: October 17, 2024
1 minute read
Individual Insurance
Savings & Retirement
Group Benefits
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