Universal Life Insurance

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)

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 Cover Marketing Material Name Available Languages Product
1271 Download cover image for file 5 Reasons for doing business with Equitable 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 Download cover image for file Charitable giving through life insurance 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 Download cover image for file Corporate Preferred Estate Transfer (generic flyer) 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 Download cover image for file Corporate Preferred Estate Transfer using universal life 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 Download cover image for file Equation General IV- Universal Life Insurance Equation General IV- Universal Life Insurance File
Flexible life insurance with an investment component
FR Universal Life
1157 Download cover image for file Equation Generation IV at a Glance 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 Download cover image for file Equation Generation IV Client Guide (Bonus & Low Fees) 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. Download cover image for file Equation Generation IV Product Summary 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 Download cover image for file Intergenerational Wealth Transfer Strategy - Underwriting Considerations Intergenerational Wealth Transfer Strategy - Underwriting Considerations File
FR
1988 Download cover image for file Intergenerational Wealth Transfer Strategy Case Study - Transferring wealth to a grandchild Intergenerational Wealth Transfer Strategy Case Study - Transferring wealth to a grandchild File
FR
1980 Download cover image for file Intergenerational Wealth Transfer Strategy Case Study - Transferring wealth to an adult child Intergenerational Wealth Transfer Strategy Case Study - Transferring wealth to an adult child File
FR
1816 Download cover image for file Corporate Preferred Retirement Solution (corporate borrowing) (generic flyer) 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 Download cover image for file Corporate Preferred Retirement Solution (corporate borrowing) Checklist 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 Download cover image for file Corporate Preferred Retirement Solution (shareholder borrowing) (generic flyer) 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 Download cover image for file Corporate Preferred Retirement Solution (shareholder borrowing) Checklist 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 Download cover image for file Preferred Estate Transfer (generic flyer) 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 Download cover image for file Preferred Estate Transfer using Universal Life 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 Download cover image for file Preferred Retirement Solution (generic flyer) 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 Download cover image for file Preferred Retirement Solution Checklist 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 Download cover image for file Wealth Transfer to a Grandchild Wealth Transfer to a Grandchild File
FR
1981 Download cover image for file Wealth Transfer to an Adult Wealth Transfer to an Adult File
FR
1569 Download cover image for file Tax and Estate Planners' Guide to Corporate Life Insurance 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 Download cover image for file Universal Life Investor Profiler Questionnaire 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 Download cover image for file Universal Life Savings & Investment Options 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