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This year’s RSP contribution deadline is March 1, 2023
The RSP deadline is fast approaching so whether you are using paper or EZtransact™ here are some important things to remember.
Issuing New Policy with EZcomplete®-
All online applications must be digitally signed and submitted and have a date stamp no later than March 1, 2023.
Issuing New Policy using Paper Application-
For contributions to qualify for the first 60 days, all paperwork must be completed and signed by March 1, 2023. Equitable Life must receive all paperwork by March 7, 2023.
Deposits to Existing Policy-
Advisors can setup a one-time or recurring deposit or edit an existing pre-authorized debit already in place using EZtransact. Online deposits must be made and have a date stamp by March 1, 2023, to qualify for a 2022 tax receipt.
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New to EZtransact? Try our EZtransact Practice Site to see how EZ it is to use.
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Clients can make online deposits to Equitable Life® through their financial institution’s online banking service. Online deposits must be made and have a date stamp by March 1, 2023, to qualify for a 2022 tax receipt.
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Clients can also make a new deposit to an existing policy by cheque. The cheque must be dated and signed by March 1, 2023. Equitable Life must receive the cheque no later than March 7, 2023.
If online banking is being used to fund the policy – either topping up an existing policy or opening a new policy – the online banking transaction must be completed by March 1, 2023, to receive a 2022 tax receipt.
Please note that cheques and other paperwork cannot be backdated. They must be completed and signed by March 1, 2023, to qualify for a 2023 tax receipt.
Don’t forget about the Equitable Life RSP Grow Your Future Contest. We hope you have a great RSP season!
® denotes a trademark of The Equitable Life Insurance Company of Canada. -
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Equitable Life ClearBridge Sustainable Global Infrastructure Income Fund Select: Stability and diver
Although an often-overlooked asset class, infrastructure assets are physical assets that provide an essential service to society. Investing in infrastructure can offer stability and diversification in a well-balanced portfolio.
Check out Equitable Life® ClearBridge Sustainable Global Infrastructure Income Fund Select in this issue of Fund Focus. The fund aims to achieve long-term capital appreciation and income by investing in publicly listed real estate companies across a spectrum of property types and geographies.
Reasons to Invest:- ClearBridge has 50+ years as a leader in active management, with a focus on sustainable investing.
- An ESG (Environmental, Social and Governance) driven investment process: ESG factors are part of fundamental research and a bottom-up security selection process, and risks and opportunities are viewed through an ESG lens.
- Predictable income generation throughout the cycle: Invests in income-generating infrastructure assets, with cash flows underpinned by regulation or long-term contracts.
- Participation in global infrastructure renewal: Both developed and emerging economies are growing their infrastructure assets, producing new investment opportunities.
- Lots of flexibility - broad ranges for sector allocation and geographical allocation
For more information, check out the Equitable Life ClearBridge Sustainable Global Infrastructure Income Fund Select or contact your Regional Investment Sales Manager.
Date posted: July 20, 2023
™ or ® denote registered trademarks of The Equitable Life Insurance Company of Canada.
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Join us for an Equitable Life Master Class webcast featuring Daryl Diamond, Dynamic Funds
Building Your Business in the Retirement Income Market featuring Daryl Diamond, Chief Retirement Income Strategist, Dynamic Funds
You’re invited to our next Equitable Life Master Class webcast offering compelling topics and unique ideas from leading experts to help you manage and grow your business.
Daryl Diamond is an author, educator and sought-after speaker on how clients can achieve the greatest security and satisfaction during the retirement years.
In this Master Class, Daryl Diamond will discuss how the last four years have been extremely challenging for retirees, pre-retirees and for the advisors who service them. He will focus on key aspects of retirement income planning from the perspective of:-
delivering and sustaining tax-efficient income,
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managing high inflation,
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investing in volatile markets, and
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navigating high interest rates.
Learn more
Posted October 11, 2023Continuing Education Credits
This webinar has been submitted for continuing education (CE) approval with the Insurance Council of Manitoba and Alberta Insurance Council for all provinces excluding Quebec. Upon approval, you will be sent an email notification to come back to the webinar presentation console to download your personalized certificate from the tool bar. To be eligible for CE credits, you must register individually, watch the webcast in full and complete a short quiz. This webcast is available in English only.
® denote a registered trademark of The Equitable Life Insurance Company of Canada -
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This year’s RSP contribution deadline is February 29, 2024
The RSP deadline is fast approaching and here are some important things to remember.
Issuing a New Policy with EZcomplete®
All online applications must be digitally signed and submitted and have a date stamp no later than February 29, 2024.
Issuing a New Policy using Paper Application
For contributions to qualify for the first 60 days, all paperwork must be completed and signed by February 29, 2024. Equitable® must receive all paperwork by March 8, 2024.
Deposits to an Existing Policy
Advisors can set up a one-time or recurring deposit or edit an existing pre-authorized debit already in place using EZtransact™. Online deposits must be made and have a date stamp by February 29, 2024, to qualify for a 2023 tax receipt.
Clients can make online deposits to Equitable through their financial institution’s online banking service. Online deposits must be made and have a date stamp by February 29, 2024, to qualify for a 2023 tax receipt.
Clients can also make a new deposit to an existing policy by cheque. The cheque must be dated and signed by February 29, 2024. Equitable must receive the cheque no later than March 8, 2024.
If online banking is being used to fund the policy – either topping up an existing policy or opening a new policy – the online banking transaction must be completed by February 29, 2024, to receive a 2023 tax receipt.
Please note that cheques and other paperwork cannot be backdated. They must be completed and signed by February 29, 2024, to qualify for a 2023 tax receipt.
If you haven’t already done so, consider EZcomplete and EZtransact our easy and fast online application and deposit tools to make life easier this RSP season.
For more information, please contact your Regional Investment Sales Manager.
® or ™ denotes a trademark of The Equitable Life Insurance Company of Canada.
Posted February 14, 2024 -
Free Webinar: A better employee health benefits solution for small business clients
Join us on Tuesday, May 28, 2024 at 1 p.m. ET for a free webinar about Equitable EZBenefits™ – our new employee health benefits solution designed for small business clients.
If you serve small business owners, chances are they’re looking for a group benefits solution that’s affordable, sustainable and easy to manage. That’s why we created EZBenefits for businesses with between 2 and 25 employees.
You’ll learn about:
● The range of plan design options we’ve created to fit various needs and budgets;
● The streamlined process we’ve designed to optimize your time and provide you and your clients with rapid quotes, hassle-free plan implementation and easy renewals;
● Our dedicated Advisor Concierge Service – your go-to resource for EZBenefits support;
● The health and wellness services that are embedded with EZBenefits, including Virtual Health and an Employee and Family Assistance Program; and
● The built-in HR support through Equitable’s partnership with HRdownloads®, including access to HR technology, content and training.
Register to attend the EZBenefits webinar
This webinar will be delivered using Microsoft Teams and will include a Q&A component. If you wish to submit a question using the Q&A feature, please follow these instructions when you join the webinar:
● Join using the Microsoft Teams app. If you do not have Microsoft Teams, you can download it for free here.
● If you prefer to join via web browser without installing Microsoft Teams, please use Google Chrome or Microsoft Edge. Other browsers do not support the Q&A feature. -
Like a summer breeze – Applying for LIFE insurance just got easier!
What has changed?
A resting electrocardiogram (ECG) is no longer required for most LIFE cases.
• That’s right! We eliminated the resting ECG as a routine age/amount requirement for most life insurance applicants.
• Of course, we may still request an ECG in certain cases at our underwriters’ discretion – for example, if the client has a history of diabetes or smoking.
It’s simple – Equitable® is dedicated to continually enhancing the client and advisor experience. By eliminating the ECG step for routine applications, life insurance clients can obtain the coverage they need more quickly and with less effort.
Why did we do this?
The tools below are being updated shortly to reflect the above change:
Updated resources coming soon!
• Our age/amount schedule for Life insurance products
• The underwriting requirements built into our illustration tool
• Our paramedical service providers’ ordering system
Until then, if you see an ECG as a listed requirement for your client in any of the above, there is no need for you to order the ECG unless we specifically ask for it.
Questions? Please contact your local Equitable wholesaler to learn more.
View our Evidence of Insurability Schedule (#1343) – (see p.1 chart for Life products).
® and ™ denotes a trademark of The Equitable Life Insurance Company of Canada.
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Growing your business in the large case market
At Equitable®, we’re growing at a rapid pace in the large case market. We’re excited to share a new video highlighting all the great reasons to choose Equitable for large case clients—featuring Rob Hollingsworth, Head of Distribution and Product Marketing, Individual Insurance.
Highlights at-a-glance
• We have capacity up to $130 million ultimate net amount at risk
• Up to $10 million internal retention
• Our mutual structure gives us a number of advantages, including the ability to provide personalized service
Equitable offers full support to help you work on large cases and successfully implement solutions, and we’re continually adding tremendous experience and talent to our organization. Our team of wholesalers, specialized underwriters, advanced case consultants, and tax and estate planning professionals are here to support you with your complex and larger files.
Our large case market webpage not only features our new video—it also showcases our team of large case experts and includes a growing list of marketing materials and resources to help you succeed.
Do you have a large case client opportunity, and want to expand in the large case market?
Visit our large case markets webpage to learn more.
® or TM denotes a trademark of The Equitable Life Insurance Company of Canada.
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Step Up Your Wealth Sales with Equitable!
Welcome to the Step Up Your Wealth Sales program with Equitable®.
The program rewards advisors who promote Equitable’s Savings & Retirement products to existing and new clients as part of an overall investment strategy based on client needs.
Commission Bonus Calculation:
Gross deposits into segregated funds
+ Gross deposits into Guaranteed Interest Account contracts
+ 25% of payout annuity sales
- Segregated fund redemptions
- GIA redemptions
= 2024 Net Deposits
All deposits, sales, and redemptions occurring between January 1 and December 31, 2024, will be used to calculate an advisor’s 2024 net deposits.
Tier 2024 Net Deposits Bonus Rate* 1 Less than $250,000 $0 2 $250,000 - 499,999 .25% 3 $500,000 – 749,999 .50% 4 $750,000+ .75% 5 Elite Advisor re-qualifiers1 1.00% * The bonus amount will be calculated at the end of 2024 based on net deposits. The bonus will be paid within 90 days following December 31, 2024. Maximum bonus payable is $100,000 for Elite Advisor re-qualifiers; $75,000 otherwise.
For more information, download our flyer or contact your Regional Investment Sales Manager.
Equitable is committed to offering advisors and clients product, service, and feature choices that best suit their needs. We offer multiple sales charge options, three distinct guarantee classes, and a diverse selection of investment funds to align with clients’ unique needs.
Posted: February 7, 2024
™or ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
1Elite Advisor re-qualifiers are advisors who attained Elite status as of end of 2023 and maintain Elite status at the end of 2024. To attain 2024 Elite Advisor status, an advisor must have $1,250,000 in gross deposits in at least 5 policies or $10,000,000 in assets. -
Why fair treatment of clients matters
Building strong client relationships
Fair treatment of clients and excellent service goes beyond offering great products. It's about understanding and meeting clients’ needs at every single stage of life. At Equitable, we believe in putting clients first and building lasting, trusting relationships.
As an advisor, it’s important to build these strong client relationships for your business growth and success. This is achieved by focusing on each client’s interests and providing personalized financial care and support.
Here are some tips to build and maintain strong client relationships:
● Meet with clients at a minimum of every two years to maintain relationships and ensure clients have the right coverage for their needs. Updates to their insurance may be needed with life changes like marriage, children or purchasing a home.
● Regularly review products with investment components with clients. This may help ensure client investments stay on track to meet their needs and align with their financial goals.
● Reassess term policies and riders with clients throughout the term period, and at least six months before renewal. This can help clients understand any premium changes and consider options that may meet their ongoing needs.
Another important tip...
● Document each attempt to engage with clients. Regular meetings with advisors are needed to ensure the client has the right coverage for their current and future needs. Keeping a record of these attempts helps protect advisors when clients don’t respond or don’t want to meet.
Treating clients with fairness and ensuring their interests are protected will show that you are providing support to help ensure your clients' needs are covered. Building trust leads to happier clients, stronger relationships, and more business opportunities to help protect clients throughout their lifetime. -
Important cybersecurity readiness guidance
As an advisor, you collect and store clients’ sensitive personal information. Protecting this information is essential. In July 2023, the Canadian Insurance Services Regulatory Organization (CISRO) released a guide on Cybersecurity Readiness. It includes tips on keeping this sensitive client data and your business systems safe.
Please read the guide in full. Also, check your own practices to be cyber ready and reduce your risk of an incident.
Some key tips in the guide include:
1. Make cybersecurity a priority: Stay alert to cyber threats. These can be suspicious emails, texts or calls. Make sure your team knows how to keep your data and systems safe and has clear, documented processes to follow.
2. Know what to protect: Understand what data and business systems need to be protected.
3. Identify the risks: Spot the risks in your practice and those from third-party service providers.
4. Implement security measures: Take steps to protect your data and business systems.
5. Be ready to respond: Know how to spot and react to cyber incidents. The guide has useful tips on creating a Cyber Incident Response Plan.
And lastly – if you receive client instructions electronically (by email, text, or messaging apps), always confirm these over the phone to ensure it’s really the client sending the instructions.
Keep your business and important client data safe by staying informed and alert. We encourage you to read the full Cybersecurity Readiness document to learn more about how to prepare for cyber threats.
In our industry, protecting clients’ sensitive data and systems is essential. Thank you for your commitment to cybersecurity!
® or TM denotes a trademark of The Equitable Life Insurance Company of Canada.