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1. 2026 Elite Advisor Program
2. [pdf] GIA versus GIC
3. Policy Change and Conversions eDelivery - Quick Tips and Tricks
4. Backdating of insurance applications – New rule now in effect

   Great news! We are making it even easier for you to do business with Equitable Life®. We now allow backdating of life insurance applications by up to 364 days. Previously, the maximum backdating period was six (6) months.
   
   Backdating can result in lower total premiums for the client over the life of a policy based on their younger age at time of application. But clients must pay all the premiums due for the backdated period up front. Thus, backdating is only beneficial when the total premium savings over the life of the policy are greater than the premium due for the backdated period.
    
   To request backdating beyond six (6) months (up to 364 days)
    No special approval is needed. Simply add a note to the Advisor Sheet requesting backdating or contact us at any time prior to policy issue. This step is only necessary when backdating beyond six (6) months as the application will automatically prompt to save age within the 6-month period.
    
   Note: The maximum backdating period for critical illness (CI) applications remains unchanged at three (3) months.
   
   Questions? Please contact your Equitable Life Regional Sales Manager for more information. 
    
    
    

5. [pdf] Investing in technology to make benefits easier
6. [pdf] Another reason to invest with Equitable
7. November is Financial Literacy Month

   Equitable^® wants to mark Financial Literacy this November. Created by the Financial Consumer Agency of Canada (FCAC), the campaign this year is “Money on your Mind. Talk about it!”
   
   The FCAC is challenging Canadians to do one thing to boost their financial confidence. One of those things includes asking questions to a trusted financial advisor. That’s, you! Be ready this year to answer anything from retirement savings, home ownership, annuities, estate planning, Daily and Guaranteed Interest Accounts, segregated funds and more.
   
   Need help? Contact your Director, Investment Sales to get started. At Equitable, we believe in the power of together.
   
   Have questions about the upcoming tax season or need tips to help manage and grow your business? If you missed our recent webcast with our Operations and Digital Experience teams, click here to learn more.
   
   ^® and ™ denote trademarks of The Equitable Life Insurance Company of Canada.
   
   Posted November 5, 2024

8. Coming soon – 2024 Product Updates What’s changing?
   
   Updates include changes/enhancements to our flagship Equimax^® Par Whole Life product, Evidence of Insurability Schedule and more. A detailed summary of all the changes will be available on October 8, 2024.
   
   The Transition Rules, for handling new and in-progress life applications, are effective October 5, 2024.
   
   Need more information?
   Contact your Equitable wholesaler. Watch for more details on October 8.
   
   
   
   
   
   
   
   
   
   
   
   ^® or ™ denotes a trademark of The Equitable Life Insurance Company of Canada.
    
9. [pdf] Levelize the tax on your fixed income investments with participating whole life (individual clients)
10. [pdf] Balancing need and affordability