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Individual Insurance
Wrapping up 2025 with our new term rates!
Among the most competitive in the market
Equitable® is wrapping up 2025 with our new term rates effective November 22, 2025. Many Canadians view life insurance as unaffordable, with 34% saying cost is the top reason they go without coverage.1 Our new term rates are designed to help address these concerns. They offer flexible and affordable options to help clients get the protection they need.
1 Investment Executive at Survey finds affordability, lack of trust, barriers to buying life insurance | Investment Executive
What’s New:
Updated premium rates for Term coverage, included on:
• Term 10, Term 20 and Term 30/65 plans
• Including Term Riders on Critical Illness (CI), Whole Life (WL), Equitable Generations® Universal Life (UL) and Equation Generation® IV Universal Life
View our Transition Rules for all the details on processing your applications.
New term rate highlights*:
*Effective November 22, 2025. Our term rates ranked among the best on LifeGuide when compared against top carriers in key markets.
Check out our new term rates for yourself. Run quotes monthly (versus annually) for our best term rates.
Contact your Equitable wholesaler today to learn more!
1 minute read
Individual Wealth
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.
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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.