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  1. The Equimax EVOLUTION Continues Earlier this year, we announced a host of improvements to our Equimax® Participating Whole Life solution, designed to add value, flexibility, and affordability to an already excellent plan. 

    Today we’re pleased to announce the following additional updates took effect on August 12th, 2023: 
    1. Targeted improvements in rates, death benefits, and cash values for Equimax Estate Builder and Equimax Wealth Accumulator plans. 
    2.  New joint last to die rates for the Wealth Accumulator plans to align with Estate Builder. 
    3.  A new “rated age” calculation, and
    4.  New rates for determining the maximum enhancement amount with the Enhanced Protection dividend option.

    Visit our splash page and watch our informative video to learn more and start selling the enhanced Equimax today.

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


    Our illustration tools are updated:
    ●  New Web-based illustration software on secure EquiNet® (log in required)
    ●  New Desktop illustration software 
    ●  New EZstart™ on EquiNet 

    Need more information?
    For information on these changes, please contact your Equitable Life wholesaler. 


    ® and TM denote trademarks of The Equitable Life Insurance Company of Canada.
  2. 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.
  3. Taking the guess work out of market volatility with Equitable Life

     

    Investing during market highs and market lows can leave even the most seasoned investors scratching their heads. Knowing when to buy and when to sell is not easy, but disciplined investing can be.

    Dollar cost averaging with Equitable Life® is designed to provide a long-term investment solution. This strategy helps take the guesswork out of knowing when to get into the market. It can also provide consistency for a long-term financial plan regardless of whether there is a lot or a little to invest.
     
    And for a limited time only, we’ve increased the initial commission for the CB5 sales option from 5.6% to 7.0% on Pivotal Select™ segregated funds*, effective from May 20 to August 31, 2022.** During this time, advisors earn the increased full initial commission even if funds are placed into Equitable Life Money Market Fund to start the PAC.
     
    For more information on dollar cost averaging, please contact your Equitable Life Regional Investment Sales Manager.

     

     
     
    * Applies to FundSERV trades occurring between May 20 and August 31, 2022. Initial commission on non-FundSERV trades occurring between May 20 to August 31, 2022 increases from 4% to 5%. Initial commission is subject to a chargeback.
    ** Equitable Life reserves the right to end the campaign at any time and without notice.
     
    ™or ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
     
     
  4. Reminder: Deadline to opt out of Alberta biosimilar coverage changes

    In November 2020, we announced via eNews that on March 15, 2021, we are changing coverage for some biologic drugs in Alberta in response to the province’s Biosimilar Initiative. These changes will help protect your client’s plans from additional drug costs while still providing access to equally safe and effective biosimilars.

    Do my clients need to take any action?

    Traditional groups who wish to opt out of this change and maintain coverage of these originator biologics for Alberta plan members can submit a policy amendment. Amendments must be submitted no later than January 15, 2021.

    Advisors with myFlex Benefits clients who wish to maintain coverage of these originator biologics for Alberta plan members should speak to their myFlex Sales Manager to confirm their eligibility to opt out of this change.

    Otherwise, no action is required on their part. Plan members taking these biologics will be contacted directly to allow them ample time to change their prescription. Any cost savings associated with the change will be factored in at renewal.

    Questions?

    We have compiled a list of frequently asked questions to help you understand Alberta’s Biosimilar Initiative. If you have a question that isn’t answered here, please contact your Equitable Life Group Account Executive or myFlex Sales Manager.

  5. Equitable Life ClearBridge Sustainable Global Infrastructure Income Fund Select: Stability and diver Although an often-overlooked asset class, infrastructure assets are physical assets that provide an essential service to society. Investing in infrastructure can offer stability and diversification in a well-balanced portfolio. 
    Check out Equitable Life® ClearBridge Sustainable Global Infrastructure Income Fund Select in this issue of Fund Focus. The fund aims to achieve long-term capital appreciation and income by investing in publicly listed real estate companies across a spectrum of property types and geographies.  

    Reasons to Invest:  
    • ClearBridge has 50+ years as a leader in active management, with a focus on sustainable investing. 
    • An ESG (Environmental, Social and Governance) driven investment process: ESG factors are part of fundamental research and a bottom-up security selection process, and risks and opportunities are viewed through an ESG lens. 
    • Predictable income generation throughout the cycle: Invests in income-generating infrastructure assets, with cash flows underpinned by regulation or long-term contracts. 
    • Participation in global infrastructure renewal: Both developed and emerging economies are growing their infrastructure assets, producing new investment opportunities. 
    • Lots of flexibility - broad ranges for sector allocation and geographical allocation 

    For more information, check out the Equitable Life ClearBridge Sustainable Global Infrastructure Income Fund Select or contact your Regional Investment Sales Manager.  

    Date posted: July 20, 2023

    ™ or ® denote registered trademarks of The Equitable Life Insurance Company of Canada. 

     
  6. [pdf] Equitable GIF Advisor Guide
  7. [pdf] Do you know Dakari and Ash
  8. [pdf] Equinet FAQ
  9. EquiNet-FAQ
  10. Get Client Focused: Turning Compliance into Your Advantage

    Join Equitable Life and guest speaker, April-Lynn Levitt, CFP,  Business Coach, The Personal Coach, to learn how to be compliant in today’s environment and create client-focused review meetings:

    •   Understand the new requirements and the best practices for implementing the new requirements into your practice.

    •   Go beyond “ticking the boxes” to build an exceptional client experience.

    •   Learn to use your review process to stimulate referrals and update compliance documents seamlessly.

    We are pleased to provide you with a recorded version of April-Lynn Levitt’s presentation, “Get Client Focused: Turning Compliance into Your Advantage” click here

    This webinar is available in English only.

    ® denote trademarks of The Equitable Life Insurance Company of Canada.

    Posted June 6, 2023