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.

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."

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

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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
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
1259	Critical Protection: EquiLiving Critical Illness (Client Brochure) File This brochure introduces your clients to critical illness insurance.	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 25 adult illnesses plus 5 additional childhood conditions.	FR CH	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
2026	EquiLiving Product Summary (Children) File This one page document provides advisors with an overview of the target market, features and benefits specific to EquiLiving critical illness insurance for children.	FR	Critical illness Insurance
2025	Financial Critical Illness Underwriting Guidelines File	FR
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
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

Learn about Equitable Life’s exciting Critical Illness product enhancements now.

Access our Virtual Product Launch NOW. Grab a coffee and get ready for this exciting news! Hear from our leaders and learn about our exciting product enhancements.

NEW! EquiLiving plans and riders enhanced with:

- 20 pay options with coverage to age 75 or coverage for life
- Support from Cloud DX to help monitor a client’s well-being from treatment to recovery.
- Added Acquired Brain Injury as a covered critical condition
- 30-day survival period removed for all non-cardiovascular covered conditions
- No age restriction to claim for Loss of Independent Existence (LOIE)
- EquiLiving Benefit now pays the higher of the EquiLiving Benefit or the Return of Premium Rider Benefit (not including Return of Premium on Death)
And so much more …

New Illustration software available on February 11, 2022

The updated illustration software will be available for download after 9 a.m. ET on Friday, February 11, 2022, and will include all the Equimax and EquiLiving enhancements.

See the Equitable Sales Illustrations Update for information on how to download the software or check for updates.