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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. -
Smarter saving with GIA Laddering
Want to show clients how to grow their savings in smart ways? Try Guaranteed Interest Account (GIA) laddering—a simple strategy that helps clients earn more interest and stay flexible.
How does it work?
Instead of a client putting all their money into one-year GIAs, laddering means splitting the money into different GIAs with different end dates. This way clients can:
• Earn better interest rates.• Get access to part of their money every year.• Be ready if interest rates go up or down.Use our new calculator
Equitable’s new GIA Laddering Calculator shows clients how this strategy compares to putting all their money in one-year GIAs each year. It helps clients see which option could give them more money over time.
Contact your Director, Investment Sales to see how laddering can work for clients.
Date posted: September 15, 2025 -
No printing, no scanning—just EZcomplete
EZcomplete® is your simple, digital tool for submitting applications for Equitable’s Pivotal Select™ segregated fund lineup.
How does it work?
EZcomplete® guides you step by step. Once the documents are ready for client review and signature, just enter the client’s email address and give them a secret passcode. They’ll get a secure link to review and sign the documents—no printing or scanning needed!
When can I use it?
Use EZcomplete® for both in-person and non face-to-face meetings. It works with individual, joint, or business clients. You can use it on a tablet, laptop, or desktop with internet access—whatever works best for you.
Why use EZcomplete®?
It’s fast, easy, and secure. For non face-to-face meetings, clients can sign documents remotely using their own device.
Start using EZcomplete® today and make your application process smoother than ever.
If you have any questions, feel free to reach out to your Director, Investment Sales.
Date posted: October 7, 2025 - Navigating the current market
- [pdf] Life Quick Reference Guide
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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 -
New rules in effect for all Quebec applications
The Quebec Regulatory Tribunal (AMF) made an important decision about selling insurance products to Quebec residents. As a result, Equitable® has changed its licensing rules for all future sales to clients in Quebec.
Effective on November 28, 2024, you must be licensed in Quebec to submit an application for a client who lives in Quebec. This requirement applies to all insurance and investment products.
Regardless of where the application is signed, if you meet with a client whose primary residence is in Quebec, you must be licensed in Quebec to submit on the client’s behalf.
If you are not licensed in Quebec, you will need to get licensed in Quebec for applications for Quebec clients to be processed.
What about licensing for clients outside of Quebec?
In all cases, we encourage you to be licensed in the province where a client lives to be able to do business or provide ongoing service.
Equitable is committed to providing solutions and service that is in the best interests of clients and advisors alike. We appreciate your continued support.
Questions?
Your Equitable Wholesaler is here to help.
You may also reach out to Advisor Services for more details. Email eastern-service@equitable.ca or call 1-800-668-4095.
® or TM denote trademarks of The Equitable Life Insurance Company of Canada. - Critical Illness Path to Success Program Instructions
- Instructions
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With the Equitable Life FHSA, you don’t have to wait to get clients’ money working for them
The Equitable™ First Home Savings Account is off and running! Thanks to your amazing support, many clients have already taken advantage of the great benefits the FHSA has to offer. Let’s keep the momentum going.
Clients don’t need to wait to start making their dream of home ownership a reality!
With the Equitable FHSA they can put their money to work right away. Available on Pivotal Select™ Investment Class (75/75) and Pivotal Select Estate Class (75/100), the Equitable FHSA offers clients an array of investment products to suit their individual needs and risk tolerance.
Don’t wait. Get clients started today!
And, clients who open a FHSA before December 31, 2023, have a chance to win $8,000 towards their 2024 FHSA contribution. And, the advisor wins $2,000!
To open a FHSA for clients, log into EZcomplete®, our highly rated online application tool. It is easy to use, convenient, and fast.
For more information on FHSA, including a FAQ, and client materials, visit EquiNet® or contact your Regional Investment Sales Manager.
® and ™ denotes a trademark of The Equitable Life Insurance Company of Canada.
Equitable FHSA Contest: No purchase necessary. Contest period September 11 to December 31, 2023. Enter by making a deposit to an Equitable FHSA during the contest period or by submitting a no-purchase entry. One prize for a total value of $8,000 CAD to be drawn on January 16, 2024, will be awarded. The servicing advisor for the policy to which the selected entrant made the deposit is also an eligible winner will receive a $2,000 CAD prize. For example, if an Equitable client is a winner of the $8,000 prize, the client’s servicing advisor wins a $2,000 prize. Open to legal residents of Canada of the age of majority. Odds of winning depend on number of eligible Entries received during the Contest Period. For full contest rules, including no-purchase method of entry, see full contest rules.
Posted November 7, 2023