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Individual Insurance
When monthly costs matter, Equitable delivers
Many clients want life insurance protection that fits their monthly budget. Monthly payments can make coverage feel more manageable than paying annually, but monthly charges often come with added charges that increase the total cost.
That’s where Equitable stands out.
Equitable’s lower monthly charges on whole life and term plans can help make protection more affordable for clients who pay monthly. That gives you a competitive option to discuss when clients are comparing carriers and looking for coverage that fits their budget. While this pricing approach is not new for Equitable, it continues to be a meaningful advantage for clients choosing Equitable.
Savings clients appreciate
When carriers have the same annual premium, Equitable’s term, critical illness and whole life monthly premium will generally be about 3-4% lower.*
*Based on rates from August and September 2026 on LifeGuide.
Many individual insurance comparison tools show annual premiums by default. Try reviewing monthly premiums for the best monthly rates.
When clients are focused on monthly affordability, make Equitable part of the comparison. Reviewing monthly premiums helps you show clients where they can get the protection they need at a cost that works for them.
Run a monthly quote today!
Have questions? Reach out to your wholesaler.
1 minute read
Individual Wealth
EZtransact update: Digital death benefit guarantee resets now available
Equitable® has enhanced EZtransact® to make Death Benefit Guarantee Reset requests easier and faster for advisors.
What's new
Advisors can now submit eligible Death Benefit Guarantee Reset requests directly through EZtransact for policies invested in:
• Equitable GIF Estate Class
• Equitable GIF Protection class
• Pivotal Select Estate Class
• Pivotal Select Protection Class
EZtransact automatically identifies contracts that qualify for a reset. This helps advisors quickly find eligible policies and reduces the need for manual checks.
Advisors can also see both the Market Value and Death Benefit Guarantee Value in the EZtransact transaction screen. Having this information in one place makes it easier to determine when a reset may be beneficial, without having to sign in to other systems.
This enhancement helps advisors:
• Find eligible contracts more easily
• See Market Value and Death Benefit Guarantee Value side by side
• Avoid switching between multiple platforms
• Spend less time on manual processes
• Submit requests through a simple digital workflow
• Receive automatic eligibility checks
• Respond more quickly to client needs
How it works
EZtransact checks each contract against the reset eligibility rules and displays those that qualify. Advisors can review eligible contracts, compare values, complete the request online, and submit it through EZtransact.
Once submitted, the request continues through the existing Unitrax processing workflow.
This enhancement is another step in Equitable's ongoing investment in digital tools that help advisors serve clients more efficiently.
Questions: Reach out to your Director, Investment Sales.
1 minute read
Individual Insurance
Individual Wealth
Group Benefits
Who we are
The power of together
At Equitable, we believe in the power of working together. It's a mindset that drives our behaviours, decisions, and actions to deliver impact and positive outcomes for our clients, advisors, partners, each other, and the communities we cherish.