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  1. [pdf] Advisors Edge Insurance for Children Article
  2. The top five benefits of choosing the 10-pay premium option As part of our December 2024 Equimax® update, we launched a new guaranteed 10-pay premium option for Equimax Wealth Accumulator®. This option is a great way for clients to fund their life insurance policy.

    The top 5 benefits of the 10-pay premium option:

    1. Short Payment Period: After just 10 years, the policy will be completely paid-up, and clients won’t have to make any more payments while still having coverage.
    2. Growing Cash Value: By completing payments in a shorter time, clients can see their cash value grow faster. They can later access this value through policy loans or cash withdrawals if needed.
    3. Level Premiums: The premiums for the 10-pay option stay level over time. This makes it easier for clients to budget.
    4. Estate Planning: A fully paid-up life insurance policy can be a great planning tool for clients who want to leave a legacy for their loved ones.
    5. Tax Benefits: The cash value in a whole life policy grows tax-deferred, and the death benefit is paid out tax-free to beneficiaries.

    To learn more about our Equimax 10 pay premium option, visit our splash page:

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    Need more information? Contact your local Equitable wholesaler with any questions.


    ® or TM denotes a trademark of The Equitable Life Insurance Company of Canada.
     
  3. See how choosing Equimax Participating Whole Life can help Raj plan for his family’s future
    Raj wants to buy life insurance. He has wealth he’s grown over the years. He wants it to go to his family. He likes what participating whole life has to offer.

    By choosing an Equimax participating whole life insurance policy with Equitable Life, Raj gets permanent insurance coverage with tax-advantaged cash growth. His policy can also earn annual dividend payments.

    He learns about how his premiums go into a participating account and are invested. Some of that investment can come back to him as dividends.

    With Equitable Life, dividends are shared only with participating policyholders. This makes Equimax Participating Whole Life an easy choice for Raj.

    Watch our new Dividends with Equitable Life of Canada video to learn more. View on Vimeo or YouTube.






    You can use this video to send to clients before or after meetings to help them understand Dividends with Equitable Life.

    Plus, visit our Equimax product page, then click on the Marketing Materials tab for the latest Dividend marketing materials.

    Need more information? Please contact your local wholesaler.



    ® and ™ denotes trademarks of The Equitable Life Insurance Company of Canada.
    To learn more about our dividend policy and participating account management policy, please visit www.equitable.ca/en/already-a-client/dividend-information/
    Dividends are not guaranteed and are paid at the sole discretion of the Board of Directors. Dividends may be subject to taxation. Dividends will vary based on the actual investment returns in the participating account as well as mortality, expenses, lapse, claims experience, taxes and other experience of the participating block of policies.
  4. What's new?
  5. See why choosing EquiLiving Critical Illness Insurance is the right choice for Ayo’s family
    Ayo’s just returned from maternity leave. Her baby David and her husband are the most cherished people in her life. 

    But a neighbour’s cancer diagnosis leaves her wondering how she can protect her family if a serious illness were to affect them. 

    Learn why Ayo decided EquiLiving® Critical Illness insurance was the right choice for her family.

    Watch our new Critical Illness with Equitable Life of Canada video to learn more. View on Vimeo or YouTube.

    You can use this video to send to clients before or after meetings to help them understand the benefits of Critical Illness Insurance. Check out our prospecting letter, that you can personalize and send to your clients to tell them about Critical Illness Insurance. 

    Plus, visit our Critical Illness product page, then click on the Marketing Materials tab for the latest Critical Illness marketing materials.

    Need more information? Please contact your local wholesaler.



    View on Vimeo or YouTube.


     

    ® and ™ denotes trademarks of The Equitable Life Insurance Company of Canada.
  6. Product updates - See our latest!
    Good news!  The updates to Equitable’s individual insurance solutions, scheduled for October 5th, 2024, as announced last week, are now in effect!    

    What’s new in this product update?
     
    1. A new premium rate band for Equimax® policies with $5 Million and more of basic  life insurance coverage.
    2. A new illustration for switches from Paid-up Additions (PUA) to the Cash dividend option when premium offset is selected.
    3. A new way to calculate commission on Equimax life insurance, Term life insurance, and EquiLiving® critical illness insurance plans when clients choose monthly payments.
    4. A new life Evidence of Insurability Schedule (Form #1343) 

    …and there’s more!





    Visit our new splash page for a complete summary of the product changes, our latest video, and links to our sales tools and important resources:
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    *Video available in English with French and Chinese sub-titles
     
     

    Please refer to our Transition Rules for all the details on processing your applications.

    Need more information?  Please contact your Equitable wholesaler.





    ® or TM denote trademarks of The Equitable Life Insurance Company of Canada.
  7. New year tune-up for Equimax participating whole life
    It’s a new year and time for an Equimax® tune up! We have made some exciting changes for new sales of Equimax Estate Builder® and Equimax Wealth Accumulator® effective February 11, 2023.

    These exciting enhancements make Equimax even more robust, simpler and cost effective, to ensure it continues to be the preferred participating whole life solution for clients and advisors alike.

    Watch our informative video to learn more.
     
    Check out our Equimax splash page for complete details on all the enhancements, our transition rules, and much more.
     








    What’s new?
    • All new children’s policies will now be issued as non-smoker for life – we will no longer request a non-smoker declaration for new children's policies.
    • We have also removed the policy fees on new Equimax sales, reducing total premium payments – allowing clients to buy even more coverage for the same payment.
    But there’s more to our Equimax tune-up!
    The following enhancements add more value, making it easier for you to recommend Equimax as your preferred whole life solution.
    • Monthly Excelerator Deposit Option(EDO) payments and EDO payments received off anniversary will now buy more paid-up additional insurance,
    • Dividends earned on EDO payment paid-up additions, and credited on the base policy, can now buy even more paid-up additions,
    • New clients now have the option to elect individual policies on joint last to die (JLTD) plans if their personal situation changes,
    • We have also changed the way we calculate monthly premiums – resulting in lower premium payments across the board,
    • And we have added our KIND™ benefit program to Equimax, as we did for our newest Generations Universal Life  solution last September – making it easier for families and beneficiaries at claim time.
    • And, finally, we are introducing some new sales illustration features, a Web-based software and more to help you market Equimax!
    Visit our splash page and watch our informative video to learn more and start selling the enhanced Equimax today.
     
    Plus, visit our Equimax product page on EquiNet®, then click on the Marketing Materials tab for the latest Equimax marketing materials.
     
    Need more information? Please contact your local wholesaler.
     
     ® and ™ denotes a trademark of The Equitable Life Insurance Company of Canada.
  8. NEW MARKETING MATERIAL! Flexibility for supplemental income with Equimax Equitable has created a new piece to help you understand our new Equimax® illustration feature, Paid-Up Additions (PUA) to Cash Dividends, now available!

    Did you know Equimax clients can switch from the PUA dividend option to the cash dividend option by simply requesting a dividend option change?1,2

    You can illustrate this for paid-up 10 pay and 20 pay Equimax plans! Show clients how they can build in added flexibility and use their policy to create a source of future supplemental income by simply changing the dividend option to cash.3
     
    Illustration Considerations:
    ● Works with Equimax Estate Builder® or Equimax Wealth Accumulator®.
    ● Illustrate the Excelerator Deposit Option (EDO) to help build the policy values while the PUA dividend option is in effect. EDO payments can’t be made once the policy is switched to the cash dividend option.
    ● If a client needs temporary insurance coverage – like mortgage protection - illustrate term riders for how long they are needed to meet the specific goal.3
    ● If critical illness coverage is needed our competitively priced 20 pay critical illness riders are a great fit to provide paid-up critical illness coverage.3 

    Clients should apply for the coverage they need. This concept is about flexibility to create a future source of supplemental income.

    Want to learn more? Check out our new marketing piece: Flexibility for supplemental income with Equimax (2077).

    For more information, reach out to your local wholesaler.
     
     
    ® and TM denote trademarks of The Equitable Life Insurance Company of Canada.
    1 Dividends are not guaranteed and are paid at the sole discretion of the Board of Directors.  Dividends may be subject to taxation. Dividends will vary based on the actual investment returns in the participating account as well as mortality, expenses, lapse, claims experience, taxes, and other experience of the participating block of policies.
    2 To request a change to the dividend option complete and submit form 558 (Request for Withdrawal of Dividends, Change in Option, or Premium Offset). A client can request a change to the cash dividend option from any other dividend option regardless of the premium type or whether premiums continue to be payable, subject to our current administration rules and guidelines. Some dividend option changes are subject to underwriting. Underwriting is not required to change from the PUA to cash dividend option, however, underwriting is required to change from the cash dividend option to the PUA dividend option.
    3 This concept is intended to illustrate a one-time switch to cash dividends once premiums are no longer payable for the policy (including premiums for riders). Premiums are paid with after-tax dollars and dividends paid in cash are subject to taxation.  If premiums are payable there will be tax savings for the client to use the before-tax cash dividend to reduce the premium instead of taking it entirely as a cash payment.  This concept is intended for longer term planning, not to meet short term cash needs by switching back and forth between the PUA and cash options. Clients should consider a policy loan or a cash withdrawal to meet short-term cash needs; policy loans and cash withdrawals may be subject to taxation.
     
  9. [pdf] Daily/Guaranteed Interest Account Application - TFSA
  10. [pdf] Excelerator deposit option Q&A