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  1. WFG KYC and Trade Ticket documents are now part of EZcomplete

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    Equitable Life® wants to help you get on with your day. Effective June 11, 2022, WFG’s KYC* and Trade Ticket documents will be integrated into the highly rated EZcomplete® online application tool. This means no more completing these documents separately and uploading them to EZcomplete.

    By integrating the KYC and Trade Ticket with EZcomplete:

    • these documents will automatically populate with information collected in the EZcomplete process,

    • necessary signatures will be captured, and

    • these documents will be sent to WFG’s back office on your behalf.

     
    Once the application has been submitted, signed documents will be available for advisors, clients, and joint clients to download. It is that easy.
     
    Get on with your day with Equitable Life. Log in to EZcomplete today.
     
    Speak to your Regional Investment Sales Manager to learn more.
     
    * KYCs on corporately owned policies are not currently supported
    ® denotes a trademark of The Equitable Life Insurance Company of Canada.

  2. Backdating of insurance applications – New rule now in effect

    Great news! We are making it even easier for you to do business with Equitable Life®. We now allow backdating of life insurance applications by up to 364 days. Previously, the maximum backdating period was six (6) months.

    Backdating can result in lower total premiums for the client over the life of a policy based on their younger age at time of application. But clients must pay all the premiums due for the backdated period up front. Thus, backdating is only beneficial when the total premium savings over the life of the policy are greater than the premium due for the backdated period.
     
    To request backdating beyond six (6) months (up to 364 days)
     No special approval is needed. Simply add a note to the Advisor Sheet requesting backdating or contact us at any time prior to policy issue. This step is only necessary when backdating beyond six (6) months as the application will automatically prompt to save age within the 6-month period.
     
    Note: The maximum backdating period for critical illness (CI) applications remains unchanged at three (3) months.

    Questions? Please contact your Equitable Life Regional Sales Manager for more information. 
     
     
     

  3. [pdf] A Retirement Savings Plan is just as relevant now as it was over 60 years ago
  4. 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:
     
  5. Group - COVID-19 Group Benefits Updates

    As the coronavirus (COVID-19) continues to spread, it’s important that you have the most up-to-date information about how it impacts you, your clients and their plan members. To help, we have created a COVID-19 Updates page on EquiNet, our secure advisor site. There you will find links to past editions of our eNews, as well as the most up to date FAQ. Please check back often. We will continue to provide timely updates on any developments that impact our clients and their plan members or their benefits coverage.

    Open our EquiNet COVID-19 Updates page

  6. Equimax Enhancements – Coming Soon

    More updates for a better and stronger solution!


    We have exciting news! Further to our October 5th product updates, we will be rolling out more changes to Equitable’s flagship Equimax whole life solution. 

    Stay tuned for more details, coming on December 10, 2024.

    Transition Rules
    Check out our Transition Rules for new and in-progress life applications, which take effect on December 7, 2024. 

    Questions? Contact your Equitable wholesaler. 
  7. [pdf] G2 - Application for Change
  8. [pdf] G3 - Application for Change
  9. [pdf] Daily/Guaranteed Interest Account Application - TFSA
  10. Repositioned Wealth Accumulator available

    Repositioned Equimax Wealth available now

    As we continue to grow to meet the needs of various market segments, our product options for your high net worth (HNW) clients have also been improved. Equimax Wealth Accumulator® has been repositioned to meet the needs of your high net worth clients by providing more deposit room and competitive early cash values.

    Equimax Wealth is now repositioned for your high net worth clients

    Equimax Wealth Accumulator is now targeted for clients ages 45 to 65 with an insurance need but also looking for tax advantaged growth as an alternative to traditional investments. It allows your clients to achieve both while diversifying their portfolio and saving taxes, particularly for corporations.
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    Highlights of the repositioned Equimax Wealth Accumulator:

    • More deposit room - Allows for significantly more deposit room by reducing the initial death benefit. This means more money can be paid into the policy to promote the tax-advantaged investment growth.
    • Higher early cash surrender values - We are more competitive on total cash value in years 1 to 10 in the target market ages of 45-65. The higher extra deposit room and early surrender cash value allows the illustration to show an earlier premium offset, which is key for the HNW market.
    • More competitive on life pay - Improvements to life pay more notable than 20 pay. Reduced premiums for most male and female non-smokers in our target market (ages 45-65) as well as 2, 3, and 4 year improvement in illustration of premium offset.
    • More competitive at older ages - A shift in the target market means you can support older clients in the HNW market. The Equimax Wealth Accumulator is now more competitive at ages 45-65.

    Learn more

    For full details on the transition, please see our transition rules.

    For more information on this product, please visit the Equimax page on Equinet.