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Get the Straight Talk from Equitable's experts
Real answers to big questions
When you have questions about par whole life insurance, you need concise, direct insights from leaders and subject matter experts. And that’s where Straight Talk can help!
Straight Talk with Mark Warywoda
What’s really behind consistent long-term performance? Find out in this episode of Straight Talk, hosted by Rob Hollingsworth, Head of Insurance Distribution.
Watch Mark Warywoda, VP of Public Investments, break down how disciplined sourcing and a scalable strategy help sustain Equitable’s long-term par fund performance.
Straight Talk with Mark Arruda
In this episode of Straight Talk, Mark Arruda, VP of Individual Insurance Pricing and Finance, talks about how Equitable’s par account is built to perform in all kinds of conditions, with strong governance, disciplined risk management, and prudent capital practices that allow Equitable’s par account to perform at top-tier levels.
Learn more
Learn how Equimax® whole life insurance can benefit clients. Contact your individual insurance wholesaler today.
- [pdf] The Power of Paying a Little Bit More - Equitable Generations
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Levelizing taxes on fixed income investments
A smart strategy to promote with clients
Many clients choose fixed income investments because they are more stable and predictable than other investment types. However, there is a downside to this approach that many don’t think about – taxes, which increase as the investment grows. As an advisor, you can help clients reduce some of the money they pay in taxes by suggesting a different approach.
In most cases, fixed income investments are taxed yearly. To pay these taxes, clients usually take out some of the interest income earned, and leave the rest invested. This in turn increases the tax that must be paid on the interest earned the next year. As a result, a large amount of the investment income earned each year goes straight to taxes with a growing amount of tax that must be paid each year. You can show clients a solution that can help lower total taxes they pay on their fixed income investments.
The tax challenge
Using participating whole life (WL) insurance as part of a financial solution, you can help clients levelize their annual tax payment. And lower the cumulative tax they must pay on their fixed income investments.
The solution: levelize the tax
Each year the client takes out the full amount of the interest earned on the fixed income investment. They leave only the principal amount. Part of the interest income withdrawn is used to pay the taxes on the fixed income investment. The remaining amount is used to pay premiums for a participating WL policy. Because the client is leaving only the principal amount invested, the tax they pay each year is a levelized amount. This reduces the cumulative taxes they pay over the life of the fixed income investment.
How it works
With this solution, the value of the fixed income investment along with the potential value provided by the participating WL policy, can mean a higher estate value. And a lower cumulative tax bill than what can be achieved through only the fixed income investment.
The participating life insurance not only provides valuable life insurance coverage, but also offers tax-advantaged growth and the potential for dividends.
To help explain this concept to individual clients, feel free to share Levelize the tax on your fixed income investments with participating whole life (1799).
This concept also works with corporate owned participating whole life policies. Feel free to share Levelize the tax on fixed income investments with corporately-owned participating whole life (1874).
This solution isn’t just about lowering taxes. It’s about helping clients grow their money, plan for their future, and protect what matters most. As an advisor, guiding clients toward solutions that address both immediate and future needs can set you apart and help build trust.
Why it matters
Contact your wholesaler to learn more. -
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.
-------------------------------------------------------------------------------------------------------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 - [pdf] B2B Loan application process for Equitable Life of Canada
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- Cost Transparency: Why Preparation Matters
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A new look and feel for EZtransact, our digital self-serve tool
We’re excited to introduce a new look and feel for EZtransact™, our digital self-serve tool. EZtransact allows you to:
- • Help a client set up a one-time or recurring deposit or edit an existing pre-authorized debit.
- • Manage client segregated fund policies conveniently and eliminate the hassle of filling out forms and facilitating signatures.
EZtransact now has a simplified and modern design that will make managing pre-authorized debit requests even easier!
Check out EZtransact. And stay tuned for more exciting digital enhancements coming soon!
If you have any questions, please contact your Regional Investment Sales Manager.
Posted November 27, 2023 -
Equitable can help clients this tax season
It is tax time and clients should be receiving tax slips and deposit receipts by now.
Check out the Tax Slips: A Quick Reference Guide which gives a taxation breakdown by product. Review Insights into Non-Registered Taxation offering a detailed explanation on investment income, and why T3 tax slips generate on non-registered segregated funds.
Do clients have questions about contribution limits? Retirement Income Fund minimums? or Canada pension maximums? Check out Equitable’s handy 2024 Facts & Figures guide.
If you have further questions, please contact your Regional Investment Sales Manager or one of our Client Services Representatives at 1.866.884.7427.
Posted February 23, 2024 - [pdf] Claimant Statement for Individuals