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Roll out the red carpet for a refreshed Term! We are pleased to announce that updates to our Term life insurance solution are now live! We believe that Term life insurance can deliver value to clients at every stage of their life journeys. Be it at renewal or at conversion, Term is a flexible and affordable life insurance solution for clients today and into tomorrow.

On February 3^rd, 2024, we refreshed our Term life insurance solution. Some of the existing and new updates with our Term offering include:
●  More targeted, competitive pricing,
●  Benefits re-aligned under the KIND™ program,
●  Yearly renewals. After the initial term of level premiums, Term life insurance will now renew yearly with premiums gradually increasing each year. This will help clients keep their Term protection longer without large premium increases.

With these updates and more, our Term solution doesn’t just “do the job,” it’s what clients want!

Visit our splash page and watch our informative video to learn more and start selling today!

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

We’ve also updated our illustration tool:
● New Desktop illustration software

Want to learn more?
Contact your Equitable wholesaler anytime!

® or ™ denotes a trademark of The Equitable Life Insurance Company of Canada.
Summer is here and so is our new dividend scale
Equitable’s Board of Directors has approved a new dividend scale for the period of July 1, 2024, to June 30, 2025.
● The interest rate* we use for the dividend scale will change. It will go from 6.25% to 6.40% on July 1, 2024.
● Other factors used to decide the dividend scale will remain the same.
● The interest rate for policies with dividends on deposit will change. It will go from 2.25% to 3.50% on July 1, 2024.
● The interest rate for most policy loans will remain at 6.50%. This applies to both new and existing policy loans, and automatic premium loans. It specifically applies to Equimax^®policies with a 9-digit policy number that starts with either "3" or "8". Older policies may have different loan rates as they are based on the prime interest rate.

Learn more:
● 2024 Advisor Dividend Scale Notice
● 2024 Client Dividend Scale Notice
● Dividend Information Page

Did you miss our Spring update & 2024 Dividend Scale announcement? Watch it now:

(*The French and Chinese events will be partially in English, with sub-titles on screen).

*The dividend scale interest rate (DSIR) is different from the participating account (PAR) rate of return. The PAR rate of return is the return on the investments in the participating account over the calendar year. The DSIR smooths out the ups and downs of the participating account experience.
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Flexibility for a client’s ever-changing life
Term life insurance offers full and partial conversion options to meet changing needs

Life is always changing—whether a client is buying their first home, welcoming a new baby, or sending the kids off to college. While most clients think of term life insurance as a solution to meet a temporary need, they don’t necessarily consider the power of term conversion options to meet their future needs.

Full and partial conversion options can help meet a client’s needs as their life journey and insurance needs change, without having to provide proof of continued good health.

Full conversion:
• With full conversion, clients can convert all of their term coverage from their policy or rider to permanent life insurance. This allows the client to lock in a level premium rate for life.

Partial conversion:
• With a partial conversion, clients can convert a portion of their term coverage from their policy or rider to a permanent plan. This allows them to help cover off both a short-term need and also provides lifetime protection.

Did you know?
Our partial conversion with a term rider carryover is now more flexible than ever. Read more about it here!

For more information, please consult the Equitable Term Life insurance admin guide.
EZcomplete Non-Face-to-Face enhancement

An EZ way to conduct your out-of-town business

You asked for it, we built it: a solution for your non face-to-face business. EZcomplete^® allows you to conduct your non face-to-face business easily and quickly with your clients providing their signature remotely on their own device.

How does it work?

EZcomplete walks you through the electronic signature process. EZcomplete allows your clients to sign remotely using their own device for non-face-to-face applications. You only need to enter their email address and provide them with a secret passcode to securely access the documents to review and sign.

Just another reason to do business with Equitable Life^®

EZcomplete makes it easy to process your non-face-to-face applications and do business with Equitable Life.

Login to EquiNet® and click on the EZcomplete icon on the menu bar

^® denotes a trademark of The Equitable Life Insurance Company of Canada.
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Things keep getting EZer with Equitable and EZtransact! Equitable® continues to make great strides with our digital self-serve tool, EZtransact^®. To keep this momentum, we’ve given EZtransact a fresh new look and feel, with additional transaction management changes and a new dashboard to enhance your online transaction experience! This refresh embraces our new brand, as we continue to focus on making it easier for you to do business with us.

What’s new with this update?
New dashboard for client search
- The existing client search screen has been replaced with a new user-friendly dashboard.
- Upon accessing EZtransact, all contracts associated with the user’s EquiNet ID will be displayed.
- Users can refine the results and search by client name or contract number.
Transaction management
- Transactions submitted through EZtransact within the last 12 months are available, including their status.
- Transactions that have received all signatures will now allow the user to download a copy of the signed request and any supporting documents uploaded by the user.
- Transactions that are pending client signatures will allow the user to manage and track the e-signature process:
  - Signing packages can be resent to clients who have not completed their e-signature.
  - Clients can be unlocked through the dashboard if locked out due to too many invalid attempts.
Signing process changes
- Advisor and dealer/MGA stakeholders have been removed from signing information and review screens.
- Users are no longer required to provide an email address for the dealer/MGA to submit a transaction.
Get to know EZtransact and fast-forward your sales process. If you have any questions, please contact your Director, Investment Sales

Date published: October 3, 2024
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