Site Search

466 results for enter now access MAKEMUR.COM Buying someones immediate bail Texas

Introducing Equitable Guaranteed Investment Funds

We’re excited to introduce the next evolution of the product advisors know and trust most. You made segregated funds our #1 wealth solution. Now, we’ve made it even better with enhancements designed to help power your growth and help deliver even more value to clients.

Discover Equitable Guaranteed Investment Funds™
- More choice & flexibility when it comes to our investment fund lineup
- Better pricing advantages including the option for clients to group account values together within a household
- New features & tools like asset rebalancing to make portfolio management easier
Individual Wealth is in growth mode — and advisors like you are the reason why.

If you were already offering our segregated funds to clients or were on the fence about segregated funds altogether, there’s never been a better time to explore Equitable Guaranteed Investment Funds.

Have questions or want a walkthrough? Our team is here to support your success every step of the way. Meet the team.
More time to complete and view applications on EZcomplete

You asked for more time, we listened!

Effective January 14, 2023, you will have more time to complete and view in-flight and completed applications on the EZcomplete® dashboard.

You will now have,

There are no changes to EZcomplete’s Sandbox. Applications in the Practice Site will continue to be deleted after 10 calendar days.

Take me to the Sandbox

Take me to EZcomplete

Play around in the Sandbox with a demo client account.

Submit your applications today.

If you have any questions, contact your Regional Investment Sales Manager or Advisor Services Team Monday to Friday, 8:30 a.m. – 7:30 p.m. ET at 1.866.884.7427, or email savingsretirement@equitable.ca.

*Insurance applications currently offer 30 calendar days
** In-flight applications created prior to January 14, 2023, will maintain the existing 10-day submission timeline.
® denote a trademark of The Equitable Life Insurance Company of Canada.
Posted: January 14, 2023
[pdf] UL Chargeback changes FAQ
Equitable Generations at a glance
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.

The tax challenge
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 solution: levelize the tax
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.

How it works
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.

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).

Why it matters
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.

Contact your wholesaler to learn more.
Our Critical Illness Insurance Path to Success Program Our Critical Illness Insurance Path to Success program was designed with you, the Advisor, in mind.

Path to Success: Expert Advice on navigating CI Sales provides you with actionable ideas and scripts that you can implement immediately into your critical illness insurance meetings. CE Credits are available if you review the program in its entirety and complete the quizzes at the end of each section.

Learn more about the CI Path to Success Program
Next steps:
If you have any questions or are interested in getting access to this program, please reach out to your Regional Sales Manager directly.

Enhancements to our Critical Illness Insurance product EquiLiving®
The timing couldn’t be better for connecting with your Regional Sales Manager to gain access to this program, as we have made recent enhancements to our Critical Illness product that will help you offer more options to clients. We’ve enhanced our EquiLiving plans and riders with:

•  20 pay options with coverage to age 75 or coverage for life
•  Support from Cloud DX to help monitor a client’s well-being from treatment to recovery
•  Added Acquired Brain Injury as a covered critical condition
•  30-day survival period removed for all non-cardiovascular covered conditions
•  No age restriction to claim for Loss of Independent Existence (LOIE)
•  Adult Covered Conditions definitions updated to 2018 CLHIA definitions
•  Increased the number of Early Detection Benefit covered conditions from 4 to 8
•  And so much more …

Contact your Regional Sales Manager to get set up in the program and learn about other CE accredited presentations happening each week.
Introducing Empathy – Compassion and care at times of loss
We’re excited to announce our partnership with Empathy– the company behind the Empathy Loss Support benefit.

As a trusted advisor, you play a vital role in guiding clients through some of life’s most difficult moments. We understand this and believe Empathy can provide vital support at a time of loss. This is why Equitable^® has added this new benefit to all new and existing individual life insurance policies at no additional cost.

About Empathy
Empathy Loss Support begins when a claim is initiated. When a client’s loved one notifies us, our Client Care Centre connects them to Empathy’s user-friendly app or website. They can choose the Empathy services they need, including human support, and helpful tools. Empathy will help them navigate both the emotional and logistical challenges following a loss.

Introduced to loved ones at time of claim
Easy to use co-branded app
Adding value beyond the policy

Share the good news
Include Empathy in your client conversations about life insurance. Show clients how Equitable leads with Care, Compassion, and Empathy. Our commitment to clients is at the heart of everything we do.

To learn more, visit our Empathy page.

Questions? Please contact your Equitable wholesaler.

This loss support benefit is provided by Empathy and is available to all Equitable life beneficiaries aged 18+ years and residing in Canada. Equitable does not have access to the information provided to Empathy and is not responsible or liable for the services provided by Empathy. Empathy does not represent Equitable nor have the right to bind Equitable. Equitable may modify access to or discontinue offering the Empathy service at any time.

Empathy does not provide legal, medical, financial, or accounting advice, nor does Empathy provide mental health diagnosis or treatment. We recommend consulting a professional on such matters.
Policy Change and Conversions eDelivery - Quick Tips and Tricks
The average FHSA balance is $3,899—Let’s help clients aim higher The First Home Savings Account (FHSA) is a powerful tool for Canadians working toward homeownership. With tax-deductible contributions and tax-free withdrawals for qualifying purchases, it’s designed to make saving easier and more rewarding.

Yet, with a lifetime contribution limit of $40,000 and an annual cap of $8,000, many clients may not be taking full advantage. The average FHSA balance currently sits at just $3,899*, leaving plenty of room for growth.

Equitable offers three straightforward strategies to help clients boost their FHSA contributions and get closer to their first home—faster:

Set it and forget it with automated contributions
Consistency is key. By setting up automatic monthly deposits of up to $667, clients can effortlessly reach the annual maximum of $8,000. Equitable makes it easy to schedule recurring transfers from a bank account, helping clients stay on track without the hassle of manual deposits.

Make the most of windfalls with lump sum deposits
Bonuses, tax refunds, or inheritances can be powerful savings tools. Equitable allows clients to make one-time contributions anytime, helping them catch up on unused FHSA room from previous years and accelerate their savings.

Transfer from RRSPs—tax-free
Clients who’ve already been saving in an RRSP can transfer those funds into their FHSA—up to their available contribution room—without triggering taxes. This strategy lets them benefit from the FHSA’s tax-free withdrawal feature while staying within their overall savings plan.

Bonus Opportunity: Win big with the Close to Home contest
From May 1 to September 30, 2025, clients who contribute to an Equitable FHSA will be entered to win one of two $8,000 prizes. Whether opening a new account or making a contribution, it’s a great chance for clients to get closer to homeownership.

Advisors, your efforts matter too!
You have a chance to win a $1,000 prize if the client you are assisting, in alignment with their unique homeownership needs, is selected as a winner. At Equitable, we believe that when we grow together, success is mutual.
Don’t forget about Equitable’s user-friendly online application platform, EZcomplete^®, or process an online transaction with ease using Equitable’s EZtransact^®. These tools are fast, simple, and could bring clients closer to achieving their goals.

Want to learn more? Speak to your Director, Investment Sales.

* Source: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/first-home-savings-account/fhsa-statistics.html
® and ™ denote trademarks of The Equitable Life Insurance Company of Canada.
Equitable’s Close to Home Contest: No purchase necessary. Contest period May 1, 2025 to September 30, 2025.  Clients enter by making a deposit to an Equitable FHSA during the contest period or by submitting a no-purchase entry. Two prizes of $8,000 CAD each to be drawn on October 15, 2025 will be awarded. The servicing advisor for the policy to which the selected entrants made the deposit is also an eligible winner and will receive a $1,000 CAD prize. For example, if an Equitable client is a winner of the $8,000 prize, the client’s servicing advisor wins a $1,000 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 here.  
Date posted: September 4, 2025
Introducing Empathy – Compassion and care at time of loss