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  1. [pdf] Ownership Change Form
  2. Clients looking to add a little balance and diversification to their investment mix?

    An Equitable® Guaranteed Interest Account (GIA) may be just the right fit for them. With competitive interest rates, Equitable GIAs may be an ideal solution for clients looking to create a well-diversified and balanced portfolio.

    A few reasons to consider Equitable for your GIA business:

    • •  The GIA advantage – a life insurance contract can provide many estate planning benefits.

    • •  Advisor rate discretion – advisors can forego up to 40bps of commission for an equal increase in interest rate, making our great rates even better.

    • •  Step Up Your Wealth Sales program1 – 100% of GIA net deposits are used to calculate the 0.75% bonus commission earned on net deposits for 20242.

     

    Bookmark this page to check our current rates.

     

    For more information, please contact your Director, Investment Sales.

     

    1 Equitable reserves the right to alter or terminate this program at any time and without notice.

    2 All eligible deposits, sales, and redemptions occurring between January 1 and December 31, 2024, will be used to calculate an advisor’s 2024 net deposits. See full Step Up Your Wealth Sales program details for more information.

    ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.

    Date posted: May 9, 2024

  3. Individual Insurance
  4. Advisor Guide
  5. Enhanced flexibility and features make Equimax whole life a great choice for your clients

    WHAT’S NEW ON MARCH 23, 2020?

     
    The following features are available on Equimax Estate Builder® and Equimax Wealth Accumulator® plans!   

    Image-1-EDO-Prelaunch-Whatsnew-(1).jpg60 months of EDO payment flexibility1 that fits your clients’ situation

    • Clients can start EDO payments1 up to 60 months from the date the application was signed, or resume up to 60 months from the last EDO payment made, without additional evidence of insurability.
    • Applies to Equimax2 policies with an effective date of March 23, 2020 or later. 



    Image-2-EDO-Prelaunch-Whatsnew.jpg
    EDO is available on cases rated 300% or less3 for new and existing clients
    • For existing clients, if approved, the EDO contract provisions that apply will be based on the effective date of the insurance policy, not the date the EDO was added.
    • Applies to Equimax2 policies issued under the 2017 tax rules.



    Image-3-EDO-Prelaunch-Whatsnew.jpgBuilt-in Disability Benefit Disbursement provides access to cash value in the event of a disability
    • The Disability Benefit Disbursement may provide a tax-free, lump sum payment of up to 100% of the policy’s cash value if the insured becomes disabled.4
    • Will be included on Equimax2 policies issued under the 2017 tax rules.5



     

    Want more information?

    More information is available on EquiNet® on the Whole Life Insurance Product page under the Resources tab. 

    Ask your Equitable Life® Regional Sales Manager about Equimax today.

    COVID-19 & social distancing: Strategy for insurance applications
     

    Using our EZcomplete® online application allows you to keep your distance … while keeping your business moving forward.
     
    Learn more

     


    1 This applies only to policies with an effective date of March 23, 2020 or later. The amount of the EDO payment allowed may be limited to the maximum EDO payment made in previous years depending on the policy year. For approved EDO amounts exceeding $150,000 annually ($12,500 monthly), clients have up to 12 months from the date the EDO application was signed or the date of the last EDO payment to make an EDO payment before a contribution cap may apply. See Admin Guide for full details.  2 Applies to Equimax Estate Builder and Wealth Accumulator; all ages; life pay and 20 pay; single and joint lives. 3 Not available if the policy has a flat extra rating. 4 See sample policy contract for full details, including the qualifications for the disbursement. Policy cash value and death benefit will decrease. Tax laws are subject to change. The payment of the disability benefit disbursement may affect the adjusted cost basis (ACB) of the policy as it is considered payment of a capital benefit. Changes in ACB can affect the future taxation of the policy.  5Subject to our administrative rules and guidelines in effect at the time of the disbursement

  6. Crunch the numbers with Equitable Life’s RRSP Loan Calculator

    Whether helping your client determine net worth or reviewing to see if your client’s retirement plan is on track, Equitable Life® is here to help with our online calculators. These number crunching tools can help you answer some of those challenging questions you get asked by your clients. From an RSP loan calculator to home budgeting to even figuring out if your client will be a future millionaire, check out our latest tools.


    Each week in March, we will be sharing an online calculator from our list.

     

    Share calculators using your Facebook, Twitter or LinkedIn account. 



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    Omar and Sarah want to catch up on contributing to their RRSP after the COVID lockdown. How much can they afford to contribute?


    Did you know?

    An RRSP loan can be an excellent way to jump start your retirement savings. Check out Equitable Life’s RRSP Loan Calculator.

  7. Crunch the numbers with Equitable Life’s Tax Free Savings Account Comparison Calculator

    Whether helping your client determine net worth or reviewing to see if your client’s retirement plan is on track, Equitable Life® is here to help with our online calculators. These number crunching tools can help you answer some of those challenging questions you get asked by your clients. From an RSP loan calculator to home budgeting to even figuring out if your client will be a future millionaire, check out our latest tools.


    Each week in March, we will be sharing an online calculator from our list.


    Share calculators using your Facebook, Twitter or LinkedIn account. 

     



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    Fei Hong and Yu Yan want to set up an emergency fund that will provide some growth and allow them to take out money when they need it. Does such a thing exist? If so, what is the catch?

     

    Did you know?

    With a TFSA, you can make tax free withdrawals at any time for any purpose. Check out Equitable Life’s Tax Free Savings Account Comparison Calculator

  8. Generating client policy information is easy with Equitable Did you know that Equitable® makes it easy to create a report with client policy information using Policy Inquiry? This tool makes a simple PDF that gives advisors and clients all the policy details they need to talk about investment goals.

    Key features of the Policy Inquiry tool:
    •  Exclude “Advisor Only Information” sections: Customize the report by leaving out sections meant only for advisors.
    •  Access active links to fund pages with risk ratings: Quickly go to fund pages and check risk ratings from the report.
    •  View calendar and compound returns: See a clear picture of a client's investment performance history with detailed return information.
    Generate the report just before meeting with a client to have the most current information. You can find this tool in the top right corner of the client’s policy page on EquiNet®. It is a great takeaway or follow-up item for client meetings.

    Clients can also access their policy information report anytime through Client Access®. Remind clients that they can view the report online as well.
    For more information please contact your Director, Investment Sales. 

    Date posted: June 17, 2025
     
  9. Simplified Alternative ID Process is Now Available We have updated form 1710 to help you validate your client’s identification when you are not face-to-face, or if your client does not have one of the primary sources of ID.

    Form 1710, Verification of Identity for Policyowner, will simplify the ID collection process currently in place. This form will help you with the validation of ID and provide you with space to record the details. New with this form is the ability to validate your client’s ID over a video call by documenting the details of the ID, and then having your client hold up the document and read the information for you to validate. You no longer need to obtain and submit copies of the identification documents to Equitable.

    If your client requests the use of the Alternate ID process for a paper application, you can use this form to satisfy your identification validation requirements.
    For more information, please see Section 2 of Form 1710 entitled “Alternate ID”. As well, you can refer to the “how to complete form 1710” Guide for further details.

    Additional resources:
     
  10. Stay connected with a NEW Web Illustration tool for Equimax

    Equitable Life® is pleased to announce the launch of our web illustration tool starting with Equimax® participating whole life insurance.

    This web illustration tool for Equimax is another way that Equitable Life is modernizing your experience and allowing you more flexibility to keep your business going while you’re on the road or meeting clients. This new illustration site is accessible on a web browser, so you can access it from a mobile device such as your phone, tablet, or iPad, and with MAC or Windows-based PCs or laptops.

    Access the new web illustration tool for Equimax by logging in to EquiNet® and clicking the button in the ribbon called Sales Illustration that now has a Web Illustrations option. Note that you have the option to continue running Equimax illustrations in the desktop illustration software, as it remains unchanged at this time.

    For future enhancements, we plan to integrate with EZcomplete®, to continue to make it easy to do business with Equitable Life.

    Visit the New Web illustration tool for Equimax® now.

    Questions? Please see our FAQ or contact your Regional Sales Manager.

    ® denotes a trademark of The Equitable Life Insurance Company of Canada