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Show term and critical illness illustrations with ratings

Rating options are now available in term and critical illness web illustrations. When you add a rating, the premium changes so clients can see the difference. This makes it easier to compare options and set expectations early.

What’s new
You can apply ratings to your term and critical illness web illustrations. When you choose a rating, the illustration and report update right away with the new premium.

Benefits
• Clear side‑by‑side comparisons
• Illustrated options better fit client’s needs
• Talk about options with more confidence

How to use the rating feature
1. In the web illustration, go to Personal Information.
2. Select the Ratings checkbox.
• This option also appears when adding a term rider or critical illness rider.

3. Choose the rating type you want to illustrate:
• Permanent amount (term)
• Permanent percentage (term and critical illness)
• Temporary amount (term)
Once applied, the premium updates automatically and appears in the illustration report.

Important to know
• Illustrated ratings are for comparison purposes only.
• When you submit an application, the system removes the illustrated rating.
• The final rating is determined through underwriting.

Improving your experience with more digital enhancements
We’re always working to improve the web illustration experience based on your valued feedback.
Here are some improvements you've asked for:
• A confirmation box appears showing the rider selected is included in the illustration report.
• When you’re signed into EquiNet your name and advisor code are included at the bottom of the illustration report.
New design updates to the illustration reports now make it easier for you and clients to review. Use these clear and refreshed illustrations to help clients get the protection that best meets their needs.

Questions
Contact your Equitable wholesaler. For specific case support be sure to include:
• the client name (if applicable);
• the product (term or CI);
• screenshot of the illustration settings.
Disability Waiver of Premium Requirements
Exchanges
[pdf] Cloud DX FAQ
Cost Transparency: Why Preparation Matters
[pdf] Equitable GIF Contract Provisions and Information Folder
Update to DSC Reimbursement for WFG advisors

Equitable Life now accepts WFG’s Commission Rebate Disclosure form instead of Equitable’s Deferred Sales Charge Reimbursement (DSC) Request Form (Form #1605). Allowing the use of WFG’s form will help streamline the process for WFG in submitting DSC reimbursements.

Previously, any DSC reimbursement received from Equitable Life required WFG advisors to submit form #1605 and provide proof of the DSC charge from the relinquishing institution, along with a cheque for the reimbursement. The WFG disclosure form and cheque from WFG is now all that is required for the initial submission. Proof of the DSC charge from the relinquishing institution is not required in all instances, but may be requested by Equitable Life and must be available if requested.

If you have any questions, contact your Regional Investment Sales Manager or Equitable Life’s Advisor Services Team Monday to Friday from 8:30 a.m. to 7:30 p.m. ET at 1.866.884.7427 or email savingsretirement@equitable.ca.
Now is a great time to look at bonds Bonds have a place in every investment portfolio. They help preserve capital and they offer predictable income. They help diversify portfolios and offer protection from both inflation and a volatile stock market.

Over the past few years interest rates have been rising, which has created a great opportunity for bonds and bond funds. Rising interest rates have lowered the price of existing bonds and increased both the coupon rates for new bonds and yields on existing bonds. Plus, rising rates also create opportunities for capital gains if interest rates fall.

Pivotal Select™ offers four great bond funds to help you diversify client assets. Three of the funds cover North American bonds, and one has a global focus. Learn more about these funds by visiting Equitable’s Fund Overview and Performance website.

To learn why now might be the right time to revisit bonds for clients’ portfolios and more information about our funds, please contact your Director, Investment Sales.

Also, if you missed the Equitable webcast, “Is it time to revisit bonds?” catch up On-Demand.

Date posted: May 16, 2024
Exciting update: External transfer now available on EZtransact! We are thrilled to announce a new feature that will make your work easier and more efficient.

What’s new this quarter?
The External Transfer function was introduced to Equitable’s EZtransact^® on May 14.

Benefits of this enhancement:
This feature is part of our strategic plan to help make transactions smoother for you. It was already available in EZcomplete^®, and now it’s on EZtransact too. This means you won’t have to search for information about the relinquishing institution anymore. You can submit requests with ease.

External Transfer Functionality:

• You can digitally request a transfer of funds from other institutions to Equitable.
• Information about the relinquishing institution will be available on EZtransact, so you don’t have to search for it.
• Both full and partial transfer requests are available.
• It’s available for registration types that don’t need the RC720/RC721 form and for individual accounts.
If you have any questions, reach out to your Director, Investment Sales.

When we work together, success is mutual.

Date posted: July 3, 2025
Additions and Increases