EquiLiving - Critical Illness Insurance

Critical illness insurance provides a lump sum benefit to help your client manage expenses and focus on recovery. EquiLiving is a fully underwritten plan that covers 26 critical conditions.

View our Critical Illness video on Vimeo

Key features include:

26 covered critical conditions plus 5 additional covered conditions for children.
Loss of independent existence included at no extra charge and no minimum age limit to claim
8 Early detection benefit covered conditions – 15% of face amount up to $50,000, can be claimed once for each condition.
Choice of guaranteed premium options: 10 year renewable to Age 75, Level to Age 75 and Level to Age100 (coverage for life), 20 pay to Age 75 and 20 Pay coverage for life.
Equiliving is available as a rider on Equimax, Equitable Generations, Equation Generation IV and term plans.

A lump sum, tax-free benefit following the diagnosis and survival of one of the 26 covered Critical Conditions including Loss of Independent Existence.

Will your clients qualify?

This pre-screening questionnaire will help you determine whether your client is likely to qualify for an EquiLiving plan or rider.

Critical illness insurance for children

When “Kiss it and make it better” isn’t enough. EquiLiving is available for children ages 30 days to 17 years and provides coverage for the following 5 childhood covered critical conditions in addition to the 26 covered critical conditions in our EquiLiving plans for ages 18 and over:

Cerebral Palsy
Congenital Heart Disease
Cystic Fibrosis
Muscular Dystrophy
Type 1 Diabetes Mellitus

Equitable Life shares the hows and whys to broach the topic of children's insurance in this article "Tackling a Taboo: How to broach the topic of children's insurance with your clients."

Product Summary

Plan summary	If an EquiLiving plan is in effect and the client is diagnosed with a covered critical condition and satisfies all requirements for that condition, they will receive a lump sum payment. The client can use the benefit payment any way they wish to make living with a life-altering condition more comfortable
Target market	• Individuals seeking to reduce the impact of a critical illness on their financial plans • Business owners planning for the continuation of their business in the event of a critical illness
26 covered critical conditions	• Acquired Brain Injury • Aortic Surgery • Aplastic Anemia • Bacterial Meningitis • Benign Brain Tumour • Blindness • Cancer • Coma • Coronary Artery Bypass Surgery • Deafness • Dementia, including Alzheimer’s Disease • Heart Attack (Acute Myocardial Infarction) • Heart Valve Replacement or Repair • Kidney Failure • Loss of Independent Existence • Loss of Limbs • Loss of Speech • Major Organ Failure on Waiting List • Major Organ Transplant • Motor Neuron Disease • Multiple Sclerosis • Occupational HIV Infection • Paralysis • Parkinson’s Disease and Specified Atypical Parkinsonian Disorders • Severe Burns • Stroke (Cerebrovascular Accident)
8 Early detection benefit covered conditions	The early detection benefit will pay the lesser of 15% of the EquiLiving face amount and $50,000 following diagnosis and satisfaction of all requirements of one of the following 8 non-life threatening conditions. This benefit can be paid once for each condition. • Coronary Angioplasty • Ductal Breast Cancer • Early Prostate Cancer • Gastrointestinal Stromal Tumours (AJCC Stage 1) • Grade 1 Neuroendocrine Tumours (Carcinoid) • Papillary or Follicular Thyroid Cancer Stage T1 • Rai Stage 0 Chronic Lymphocytic Leukemia (CLL) • Superficial Malignant Melanoma
Plan types / issue ages	• 10 year renewable to age 75 (ages 18 - 65) (T10) • Level to age 75 (ages 18 - 64) (T75) • Level to age 100 coverage for life (ages 18 - 65) (T100) • 20 Pay coverage to age 75 (ages 18 - 54) • 20 Pay coverage for life (ages 18 - 65)
Availability	• Single life • Available as a rider on Equation Generation IV universal life, Equimax participating whole life, and term life insurance policies Note: 20 Pay EquiLiving is not available on Term life insurance policies.
Change privilege	Gives the client the option to change from one plan type to another without evidence of insurability. • T10 can be changed to any level pay plan including 20 Pay • T75 can be changed to any 20 Pay plan • T100 can be changed to 20 Pay coverage for life The age at which changes can be made from one plan to another depends on the plan the client is changing to. Up to the policy anniversary nearest the insured’s 60th birthday for change to: • level to age 75 • level to age 100 • 20 Pay coverage for life Up to the policy anniversary nearest the insured’s 54th birthday for change to: • 20 Pay coverage to age 75
Expiry	Age 75 or life, depending on plan type
Sum insured	• Minimum: $10,000 • Maximum: $2,000,000
Rate bands	• $10,000 - $49,999 • $100,000 - $249,999 • $50,000 - $99,999 • $250,000 +
Admin/ policy fees	$50 per year / $4.34 per month
Optional riders	• Waiver of Premium (Insured Disability) • Waiver of Premium (Owner/Payor Disability) • Return of premiums at expiry rider (10 year renewable to age 75) • Return of premiums on death rider • Return of premium at surrender/expiry rider (level pay plans and 20 pay plans)* • Term life insurance riders *Upon surrender on the 15th policy anniversary, 75% of the premiums to be returned are payable. This percentage increases by 5% each year, reaching 100% on and after the 20th policy anniversary. Some limitations apply. See policy contract for details
EZcomplete^® online application	• Use it for in-person or non-face-to-face meetings • EZcomplete easily guides you through only the required sections of the application • EZcomplete allows clients to sign the application using their own electronic device • Login to EquiNet and click on the EZcomplete Online Application icon on the menu bar

Product Summary

Plan summary	If an EquiLiving plan is in effect and the insured child is diagnosed with a covered critical condition and satisfies all requirements for that condition, the client will receive a lump sum payment. Parents can use the benefit payment to help cover expenses so they can take a leave from work to care for a sick child, access alternate treatment, or help ensure the costs associated with a critical illness do not impact the financial security of the family.
Target market	• Parents wanting to be by their child’s side through treatment and recovery while protecting the family’s ongoing financial security
Covered conditions	EquiLiving provides coverage for the following 5 childhood conditions until age 25: • Cerebral palsy • Congenital Heart Disease • Cystic Fibrosis • Muscular Dystrophy • Type 1 Diabetes Mellitus It also provides coverage for the following adult conditions: • Acquired Brain Injury • Aortic Surgery • Aplastic Anemia • Bacterial Meningitis • Benign Brain Tumour • Blindness • Cancer • Coma • Coronary Artery Bypass Surgery • Deafness • Dementia, including Alzheimer’s Disease • Heart Attack (Acute Myocardial Infarction) • Heart Valve Replacement or Repair • Kidney Failure • Loss of Independent Existence • Loss of Limbs • Loss of Speech • Major Organ Failure on Waiting List • Major Organ Transplant • Motor Neuron Disease • Multiple Sclerosis • Occupational HIV Infection • Paralysis • Parkinson’s Disease and Specified Atypical Parkinsonian Disorders • Severe Burns • Stroke (Cerebrovascular Accident)
8 Early detection benefit covered conditions	The early detection benefit will pay the lesser of 15% of the EquiLiving face amount and $50,000 following diagnosis and satisfaction of all requirements of one of the following 8 non-life threatening conditions. This benefit can be paid once for each condition • Coronary Angioplasty • Ductal Breast Cancer • Early Prostate Cancer • Gastrointestinal Stromal Tumours (AJCC Stage 1) (Carcinoid) • Grade 1 Neuroendocrine Tumours • Papillary or Follicular Thyroid Cancer Stage T1 • Rai Stage 0 Chronic Lymphocytic Leukemia (CLL) • Superficial Malignant Melanoma
Plan types / issue ages	Issue age for all plans is 30 days-17 years • 10 year renewable to age 75 • Level to age 75 • Level to age 100 (coverage for life) • 20 Pay coverage to age 75 • 20 Pay coverage for life
Availability	• Single life • Available as a rider on Equitable Generations, Equation Generation IV universal life and Equimax participating whole life plans where the child is the life insured
Change privilege	Gives the client the option to change from one plan type to another without evidence of insurability. • T10 can be changed to any level pay plan including 20 Pay • T75 can be changed to any 20 Pay plan • T100 can be changed to 20 Pay coverage for life The age at which changes can be made from one plan to another depends on the plan the client is changing to. Up to the policy anniversary nearest the insured’s 60th birthday for change to: • level to age 75 • level to age 100 • 20 Pay coverage for life Up to the policy anniversary nearest the insured’s 54th birthday for change to: • 20 Pay coverage to age 75
Expiry	Age 75 or life, depending on plan type
Sum insured	• Minimum: $10,000 • Maximum: $500,000
Rate bands	• $10,000 - $49,999 • $100,000 - $250,000+ • $50,000 - $99,999
Admin/ policy fees	$50 per year / $4.34 per month
Optional riders	• Waiver of Premium (Owner/Payor death and disability) • Return of premiums at expiry rider (10 year renewable to age 75) • Return of premiums on death rider • Return of premium at surrender/expiry rider (level pay plans and 20 pay plans)* *Upon surrender on the 15th policy anniversary, 75% of the premiums to be returned are payable. This percentage increases by 5% each year, reaching 100% on and after the 20th policy anniversary. Some limitations apply.
EZcomplete^® online application	• Use it for in-person or non-face-to-face meetings • EZcomplete easily guides you through only the required sections of the application • EZcomplete allows clients to sign the application using their own electronic device • Login to EquiNet and click on the EZcomplete icon on the menu bar

Interested in ordering marketing materials? Complete our Life & Health supply order form

Canada's Anti-Spam Legislation - The digital printer friendly versions of these brochures are not to be altered. PLEASE NOTE that if you choose to distribute the brochure by electronic mail to your clients or prospects, you must comply with Canada's new anti-spam legislation. You could be subject to severe penalties should you not comply. Find out more at fightspam.gc.ca.

This table includes downloadable marketing materials saved in PDF format. Each row is a different product and may contain versions of the brochure in alternate languages.
Form Number	Marketing Material Name	Available Languages	Product
2146	Cloud DX Advisor Guide File	FR	Critical illness Insurance
2147	Cloud DX Client Guide File	FR	Critical illness Insurance
1271	5 Reasons for doing business with Equitable File This advisor piece lists the top 5 reasons why Equitable Life should be your first choice.	FR	General Content
1139	Basic CI Needs Worksheet File	FR	Critical illness Insurance
2029	Cloud DX FAQ File	FR	Critical illness Insurance
2307	Path to success File	FR
1758	Take a Premium Holiday File	FR	Critical illness Insurance Term Universal Life
2061	The Ultimate Bundle for Young Professionals File	FR	Critical illness Insurance Term Universal Life
1259	Critical Protection: EquiLiving Critical Illness (Client Brochure) File This brochure introduces your clients to critical illness insurance.	FR	Critical illness Insurance
N/A	EquiLiving Admin/Advisor Guide File	FR	Critical illness Insurance
1528	EquiLiving Claims Experience File What are the most frequently claimed illnesses in the industry? How does Equitable Life compare? What are real life examples of critical illness claims paid by Equitable Life? English is available in pdf format only. French is available in pdf and print at this time.	FR CH	Critical illness Insurance
1287	EquiLiving Critical Illness Insurance for Children File EquiLiving CI for children covers the usual 26 adult illnesses plus 5 additional childhood conditions.	FR CH	Critical illness Insurance
N/A	EquiLiving FAQ File	FR	Critical illness Insurance
2023	EquiLiving Product Summary (Adults) File This one page document provides advisors with an overview of the target market, features and benefits specific to EquiLiving critical illness insurance for adults.	FR	Critical illness Insurance
1025	Individual Life & Health Products At-a-glance File This guide can be used as an easy reference to all of Equitable's Life and Health products currently available for sale.	FR	General Content Critical illness Insurance Participating Whole Life Term Sales Strategies
1286	Protecting the important things in life File Having your clients complete this checklist will help them discover for themselves that while they have insurance for their car and home, they may not have protection for what's really important.	FR	Critical illness Insurance
1248	Understanding The Covered Conditions File This booklet provides detailed definitions for the conditions covered by EquiLiving.	FR CH	Critical illness Insurance
2040	Why EquiLiving Critical Illness Insurance File	FR	Critical illness Insurance
1258	Your Guide to EquiLiving (Client Guide) File An overview of EquiLiving critical illness insurance to potential and existing clients, explaining key features and benefits of EquiLiving, the conditions covered by the plan and the optional riders.	FR CH	Critical illness Insurance

Show term and critical illness illustrations with ratings

Apr 20, 2026

Reminder: Beneficiary designations for children’s CI policies

Feb 24, 2026

New re-branded Application for Life and CI Insurance (Form 350)

Dec 11, 2024

Client-Focused Videos

Dec 2, 2024

New web illustration tool for critical illness insurance

Nov 25, 2024

Open doors with our updated CI & UL solutions!

Oct 28, 2024

Feel confident and at ease with Cloud DX

Aug 6, 2024

New publication: CLHIA consumer guide for critical illness

Apr 22, 2024

NEW – Online courses for CE Credits from Individual Insurance

Apr 1, 2024

Equitable explains individual life and critical illness insurance with client-focused videos!

Mar 11, 2024

How to talk to clients about CI when they don’t want to

Sep 18, 2023

Making it easier to claim for Loss of Independent Existence for EquiLiving Critical Illness insurance

Aug 21, 2023

See why choosing EquiLiving Critical Illness Insurance is the right choice for Ayo’s family

Aug 8, 2023

New 350 Life and CI Applications

Jul 26, 2023

Critical Illness Insurance Update

Jul 10, 2023

Path to Success modules now available on EquiNet!

Jun 5, 2023

EZcomplete now displays Critical Illness insurance premiums

Apr 24, 2023

Cloud DX, Signs Contract with Heart Centre

Apr 3, 2023

Let’s talk about Critical Illness insurance, the Equitable way.

Mar 6, 2023

EquiLiving offers more options to clients facing a covered Critical Illness condition

Apr 19, 2022

Exciting new product changes are coming your way!

Feb 7, 2022

Resources

EZcomplete online application (login required)
Advisor/Admin Guide
Product Summary (Adults) (Children)
Understanding the covered conditions
FAQ
Cloud DX Virtual Monitoring Care Benefit
CLHIA critical illness consumer guide
CLHIA critical illness agent guide

Helping you sell

Sample Policy Pages

EquiLiving critical illness insurance sample policy contract pages (adult)
EquiLiving critical illness insurance sample policy contract pages (children)

Sales Solutions

Sales Tracks

Children's CI - Forced savings for education

This program was designed with you, the Advisor, in mind.

Path to Success: Expert Advice on navigating CI Sales provides you with actionable ideas and scripts that you can implement immediately into your critical illness insurance meetings. CE Credits are available if you review the program in its entirety and complete the quizzes at the end of each section.

For more information, visit the Critical Illness Path to Success page.