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Individual Insurance
Show term and critical illness illustrations with ratings
Rating options are now available in term and critical illness web illustrations. When you add a rating, the premium changes so clients can see the difference. This makes it easier to compare options and set expectations early.
What’s new
You can apply ratings to your term and critical illness web illustrations. When you choose a rating, the illustration and report update right away with the new premium.
Benefits
• Clear side‑by‑side comparisons
• Illustrated options better fit client’s needs
• Talk about options with more confidence
How to use the rating feature
1. In the web illustration, go to Personal Information.
2. Select the Ratings checkbox.
• This option also appears when adding a term rider or critical illness rider.
3. Choose the rating type you want to illustrate:
• Permanent amount (term)
• Permanent percentage (term and critical illness)
• Temporary amount (term)
Once applied, the premium updates automatically and appears in the illustration report.
Important to know
• Illustrated ratings are for comparison purposes only.
• When you submit an application, the system removes the illustrated rating.
• The final rating is determined through underwriting.
Improving your experience with more digital enhancements
We’re always working to improve the web illustration experience based on your valued feedback.
Here are some improvements you've asked for:
• A confirmation box appears showing the rider selected is included in the illustration report.
• When you’re signed into EquiNet your name and advisor code are included at the bottom of the illustration report.
New design updates to the illustration reports now make it easier for you and clients to review. Use these clear and refreshed illustrations to help clients get the protection that best meets their needs.
Questions
Contact your Equitable wholesaler. For specific case support be sure to include:
• the client name (if applicable);
• the product (term or CI);
• screenshot of the illustration settings.
1 minute read
Individual Wealth
Earth Day: A simple way to talk about sustainable investing
Earth Day is a great time to talk with clients about investing with purpose. This year’s theme—Our Power, Our Planet—highlights the impact of individual and collective choices, including how we invest.
Many Canadians are interested in sustainable investing, which looks at environmental, social, and governance (ESG) factors alongside long term returns. Clients want to understand how the power of their money can support positive change—without sacrificing performance. Sustainable investing can look at things like reducing carbon impact, supporting fair workplaces, and encouraging strong company leadership.
Watch out for greenwashing
Not all investments labeled “sustainable” are the same. Some products may use the term without real environmental efforts or strategies. This is known as greenwashing.
That’s where advisors can add value. By understanding how funds are built and what they hold, you can help clients make informed choices they feel confident about.
How Equitable can help
Equitable® offers sustainable investing fund options that include ESG considerations as part of a disciplined investment approach. Take this opportunity to review available options and fund details.
You can also support sustainability through how you work with clients. Equitable’s paperless tools help reduce paper consumption and improve efficiency:
• Equitable Client Access® for online account viewing
• EZtransact® for fast, digital transactions
• EZcomplete® for easy, paper free applications
Take action
Earth Day is a great time to:
• Start simple conversations about sustainable investing
• Share Equitable’s sustainable fund options with clients
• Promote paperless tools that are better for clients and the environment
Small steps—done consistently—can make a meaningful difference for clients and the planet. If you have questions, speak with your Director, Investment Sales.
Date posted: April 22, 2026
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.