Universal Life Insurance
Universal life - Equation Generation® IV
Equation Generation IV is a participating1 universal life insurance policy that offers a wide range of tax-advantaged2 savings and investment options to chose from, giving you more control over your clients' investment strategy.
Key features include:
- Choice of death benefits and guaranteed cost of insurance (COI) options.
- Guaranteed investment bonus of 0.75% starting 2nd year with bonus version.
- Competitive administration fees on investment accounts with low fees version.
- Retirement and estate planning concepts built right into the Equitable Sales Illustrations® System.
- Advanced insurance planning concepts and support to help you grow your sales in the large case market.
The Investor Profiler Questionnaire can assist you in suggesting an asset mix that best fits clients' financial goals, time horizon, and risk tolerance. Create and manage a personalized portfolio yourself, or let Franklin Templeton do it for you.
Franklin Quotential Portfolios make it easy
Franklin Templeton offers 5 Portfolio Interest Options with returns based on their Quotential Portfolios. Their active management approach to tactical asset allocation and fund selection offers a more fluid response to market opportunities and conditions.
Have a "glance" at Equation Generation IV
Check out Equation Generation IV At-a-glance for a quick overview of the product and features.
1 Equation Generation IV universal life is a participating policy of the Company. While it is inforce, this policy is eligible for ownership dividends. These dividends may be paid based on the overall earnings of the Company and when the Company has a strong capital position at the time and into the foreseeable future. Ownership dividends are paid at the discretion of the Board of Directors. Dividends are not guaranteed. This policy is not eligible for experience dividends.
2 Subject to maximums as prescribed in the Income Tax Act (Canada)
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| Form Number | Cover | 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 |
| 1134 -2 |
|
Charitable giving through life insurance File This client piece shows how life insurance is an easy and affordable way to amplify the amount of a charitable gift without impacting their family's inheritance. |
FR |
General Content Participating Whole Life |
| 1562 |
|
Corporate Preferred Estate Transfer (generic flyer) File Provides a generic overview of the Corporate Preferred Estate Transfer concept without a specific reference to Equimax participating whole life or Equation Generation IV universal life. |
FR | Sales Strategies |
| 1688 |
|
Corporate Preferred Estate Transfer using universal life File The Corporate Preferred Estate Transfer is the most tax-efficient way for clients to get the value of their shares out of their company and into the hands of their estate. |
FR |
Critical illness Insurance Sales Strategies |
| 1967 |
|
Equation General IV- Universal Life Insurance File Flexible life insurance with an investment component |
FR | Universal Life |
| 1157 |
|
Equation Generation IV at a Glance File This brochure provides an overview of Equitable Life's Equation Generation IV universal life including Plan Types, Cost of Insurance, Death Benefit Options and Savings and Investment Opportunities. |
FR | Universal Life |
| 1155 |
|
Equation Generation IV Client Guide (Bonus & Low Fees) File This guide includes information about how Equation Generation IV works, the life insurance protection it provides, the investment options available within the product, bonus options, and much more. |
FR | Universal Life |
| n/a – s. o. |
|
Equation Generation IV Product Summary File This one page document provides advisors with an overview of the target market, features and benefits specific to this product. |
FR | Universal Life |
| n/a |
|
Intergenerational Wealth Transfer Strategy - Underwriting Considerations File |
FR | |
| 1988 |
|
Intergenerational Wealth Transfer Strategy Case Study - Transferring wealth to a grandchild File |
FR | |
| 1980 |
|
Intergenerational Wealth Transfer Strategy Case Study - Transferring wealth to an adult child File |
FR | |
| 1816 |
|
Corporate Preferred Retirement Solution (corporate borrowing) (generic flyer) File Provides a generic overview of the Corporate Preferred Retirement Solution concept without a specific reference to Equimax participating whole life or Equation Generation IV universal life. |
FR | Sales Strategies |
| 1815 |
|
Corporate Preferred Retirement Solution (corporate borrowing) Checklist File Review this checklist with your clients to ensure they understand the Corporate Preferred Retirement Solution (corporate borrowing) and how it can impact them and their business. |
FR | Sales Strategies |
| 1563 |
|
Corporate Preferred Retirement Solution (shareholder borrowing) (generic flyer) File Provides a generic overview of the Corporate Preferred Retirement Solution concept without a specific reference to Equimax participating whole life or Equation Generation IV universal life. |
FR | |
| 1556 |
|
Corporate Preferred Retirement Solution (shareholder borrowing) Checklist File Review this checklist with your clients to ensure they understand the Corporate Preferred Retirement Solution (shareholder borrowing) and how it can impact them and their business. |
FR | |
| 1564 |
|
Preferred Estate Transfer (generic flyer) File Provides a generic overview of the Preferred Estate Transfer concept without a specific reference to Equimax participating whole life or Equation Generation IV universal life. |
FR | |
| 1689-2 |
|
Preferred Estate Transfer using Universal Life File The Preferred Estate Transfer is a tax-efficient ways for clients to build and transfer wealth by redirecting money from taxable investments to pay the premiums for a permanent life insurance policy. |
FR | |
| 1565 |
|
Preferred Retirement Solution (generic flyer) File Provides a generic overview of the Preferred Retirement Solution concept without a specific reference to Equimax participating whole life or Equation Generation IV universal life. |
FR | |
| 1568 |
|
Preferred Retirement Solution Checklist File Review this checklist with your clients to ensure they understand the Preferred Retirement Solution and how it can impact them. |
FR | |
| 1989 |
|
Wealth Transfer to a Grandchild File |
FR | |
| 1981 |
|
Wealth Transfer to an Adult File |
FR | |
| 1569 |
|
Tax and Estate Planners' Guide to Corporate Life Insurance File This guide is a support piece for tax and estate planners who want a high-level review of two unique planning opportunities using corporately-owned life insurance to meet estate & retirement needs. |
FR | Sales Strategies |
| 1190 |
|
Universal Life Investor Profiler Questionnaire File Equitable Life's Investor Profiler Questionnaire can assist in determining a suggested asset mix for your clients savings within their Equation Generation IV universal life plan. |
FR | Universal Life |
| 1193 |
|
Universal Life Savings & Investment Options File An overview of the Savings and Investment Options in our universal life plans. Providing the investment objective, top investments, volatility and segmentation of the Linked Interest Option Accounts. |
FR | Universal Life |
The Benefits of Bundled Protection
Universal life offers clients the flexibility to skip a payment, or take a premium holiday. By bundling riders with the life coverage, the account value of the policy, if sufficient, can be used to cover future monthly charges for the universal life and any riders.
This sales solution shows how bundling insurance coverages and paying a little more upfront, can provide your clients with permanent coverage and the option to take a premium holiday.
CREATE a bundle. PAY more now. TAKE a premium holiday later.
Other News
- Change to the Performance Interest Options.
- Preferred Estate Transfer. Find out more about how Equation Generation IV can be a tax-efficient alternative for estate transfer.
- Life policy collateral loans: Universal life policyholders can use the cash surrender value of their life insurance policy as collateral for a tax-free bank loan. Find out more