Site Search
354 results for view portal now MAKEMUR.com bribe a judge for a lighter sentence in court
-
How to talk to clients about CI when they don’t want to
Does this sound familiar?
You’re having a chat with your client about Critical Illness insurance. They suddenly interject: “Critical illness insurance isn’t for me.”
“Why is that?” you ask.
“Because….
- Critical Illness insurance is expensive!
- I don’t understand what it covers exactly.
- I have money to cover me if I get sick, so I don’t need this.
- I’m healthy enough.
- It’s not life insurance, so I don’t need it right now.
- I already have disability coverage through my work.”
If you’ve heard any of these responses, and didn’t know how to respond, we can help.
Our Path to Success program covers all these objections and more with simple-to-follow PDFs and videos. You’ll learn conversation strategies and tips on how to navigate the sale. Most importantly, you’ll know exactly what to say the next time a client objects to Critical Illness insurance.
Want to learn more? Check out our CI Path to Success modules here!
Need CE credits? Take our Path to Success program here. -
Equitable 2024 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. -
Make your next audit a breeze
New – Online CE Course: Ensuring a Compliant, Needs-based Insurance sale
When regulators and auditors come knocking on your door, make sure you are prepared. Well documented, needs-based sales evidence may help protect you and demonstrate that you were acting in your clients’ interest.
Make your next audit a breeze with the tips you will learn in this course and earn CE credits at the same time (AIC, Advocis and ICM credits available only).
“The Approach” to supporting suitable, needs-based sales
The CLHIA recommends six supporting elements to make a suitable, needs-based sale. Equitable® created this reference presentation, “Ensuring a Compliant, Needs-based Insurance Sale” that leverages The Approach to explain the requirements for each step, along with the documentation to retain in the client file.
Get started now
A few important notes:
● This program is hosted on Teachable: https://equitable-life-education.teachable.com/
● Username: Please use your email that you are contracted with.
● Password: Equitable
● Please use Google Chrome to access the courses.
.png "Get-started-now!-button-(3).png")
Looking for more CE accredited training courses?
Check out our new individual insurance online learning centre on EquiNet® to stay up to date on new courses and find out more information on the topics provided.
Questions?
Contact your local wholesaler.
Are you having trouble logging in?
Email equitablelifemarketing@equitable.ca for assistance.
-
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. -
Savings & Retirement Policy and Procedure updates regarding Electronic Signatures
We have updated our policies and procedures regarding electronic signatures in the Savings and Retirement department. We are now able to accept electronically signed documents, from all major third-party signing vendors.
Including esign@equitable.ca as a non-signing reviewer is the preferred method as it ensures the security embedded documents are accurately and immediately available for Equitable. We will be automatically notified when signing is complete and will download eSigned forms immediately for processing. Including esign@equitable.ca as a non-signing reviewer is secure, quick, and efficient. Documents no longer need to be emailed to us – eSigned documents are sent directly to us once all signatures are completed, therefore you do not need to notify us once the documents are signed.
When esign@equitable.ca is not used to submit electronically signed documents, the following criteria are required:- The original signed form and audit trail with all the security features intact
- The email address used to sign must match what is in our files (as provided on the application, for electronic policy delivery or through previous communication). If an email address has changed, or we don’t have an email contact for the signer, we will follow up for confirmation.
A guide on how to use esign@equitable.ca can be found here.
Please note that Equitable does not accept digital signatures (images or fonts of a signature which are not stamped).
Date posted: June 13, 2024 -
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.
- 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.
- 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.
Date published: October 3, 2024 -
New! Evidence of Insurability Schedule
We are pleased to announce Equitable’s new Evidence of Insurability Schedule. The new schedule applies to all life and critical illness insurance applications signed on or after October 5, 2024.
Here are the benefits to you:
● New chart is easier to read with more clarity and transparency.
● ECG and TST are no longer routinely required for Life applicants.
● Blood and urine requirement is streamlined for Life applicants.
● Detailed underwriting requirements for higher coverage amounts and mature applicants.
Please refer to the new Evidence of Insurability schedule (Form #1343) for full details.
Equitable® has the right to ask for more evidence of insurability. We will do this if we feel it is needed to assess the risk.
Key changes – Age and amount requirements
Life applicants:
● Resting ECG: No longer a routine age and amount requirement. This may still be requested at our underwriter’s discretion.
● Treadmill ECG: No longer required at any age or amount.
● Standalone Urine: Standalone urine changed to blood and urine at $100,001 and $500,000 coverage amounts for clients over age 55.
● Mature Age Focus Interview (MAFI): New for clients aged 75+. As part of the paramedical, we will assess the applicant’s Activities of Daily Living, social activities, and word recall ability.
Life and Critical Illness applicants:
● For clients aged 70+, evidence is now valid (recent) if completed within the past 6 months. For all other applicants (ages 18-69), there is no change – evidence is valid if completed within the past 12 months.
Financial/Third-party verification
Reminder – this is required for life insurance amounts over $5M. Our underwriting team will be pleased to assist you with this step.
Questions? Please contact your Equitable wholesaler or reach out to our underwriting team.
® or TM denotes a trademark of the Equitable Life Insurance Company of Canada. - [pdf] Poster - What did you wish for this year?
-
New “Update Payment” feature for banking changes has launched!
Great news! Equitable® has launched a new self-serve "Update Payment" feature in Client Access and on EquiNet®. This new online process enables clients and advisors to easily submit key banking change requests for eligible insurance policies*, with no need to complete a physical form.
What’s new?
A new "Update Payment" feature is now available on Client Access and on EquiNet under Policy Inquiry. It allows clients (and advisors) to easily submit requests for the following three transactions online:
1. STOP pre-authorized payments.
2. RESUME pre-authorized payments on overdue accounts.
3. CHANGE which bank we withdraw money from.
The new "Update Payment" feature replaces the previous "Edit" button in Client Access. The old banking change options are still available in the client’s Profile section. They can be used to request a change to the payment withdrawal date, as that option is not yet available with the new Update Payment feature.
How it works!
When a change is requested using the new Update Payment feature, our Operations team receives it online. They will review and process the changes within three business days, as per Equitable’s current service standards.
The Update Payment feature in Client Access is a self-serve process. However, if a client prefers, their advisor or an Equitable Customer Service associate can assist them by submitting the request on their behalf. Clients will be asked to sign to approve any such requests that are submitted by someone other than the owner of the policy.
*The Update Payment transactions are only available for eligible policies: those that have not lapsed, are not on Automatic Premium Loan, and are not owned by a corporation or other entity.
We trust that these digital enhancements will help make the client and advisor experience even simpler and more efficient.
Need more information? Please contact your Equitable wholesaler.
® or TM denotes a trademark of The Equitable Life Insurance Company of Canada.