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- [pdf] Another reason to invest with Equitable
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Taking the guess work out of market volatility with Equitable Life
Investing during market highs and market lows can leave even the most seasoned investors scratching their heads. Knowing when to buy and when to sell is not easy, but disciplined investing can be.
Dollar cost averaging with Equitable Life® is designed to provide a long-term investment solution. This strategy helps take the guesswork out of knowing when to get into the market. It can also provide consistency for a long-term financial plan regardless of whether there is a lot or a little to invest.
And for a limited time only, we’ve increased the initial commission for the CB5 sales option from 5.6% to 7.0% on Pivotal Select™ segregated funds*, effective from May 20 to August 31, 2022.** During this time, advisors earn the increased full initial commission even if funds are placed into Equitable Life Money Market Fund to start the PAC.
For more information on dollar cost averaging, please contact your Equitable Life Regional Investment Sales Manager.
* Applies to FundSERV trades occurring between May 20 and August 31, 2022. Initial commission on non-FundSERV trades occurring between May 20 to August 31, 2022 increases from 4% to 5%. Initial commission is subject to a chargeback.
** Equitable Life reserves the right to end the campaign at any time and without notice.
™or ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
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Let’s talk about Critical Illness insurance, the Equitable way.
Having critical illness insurance benefits in an important time of need is so valuable. Get the right critical illness insurance coverage for your clients.
In 2022, we made some significant updates to our EquiLiving® Critical Illness insurance plans to provide better choices and features for clients.
These significant updates included:
● The addition of Acquired Brain Injury as a covered condition
● The addition of 20 pay options allowing more choice when choosing the right plan for your clients
● The removal of the age restriction for juveniles to claim for Loss of Independent Existence
Plus, a Canadian first, the addition of Cloud DX. Cloud DX is a value-added service that provides remote patient monitoring to claimants in addition to the full critical illness benefit paid by Equitable Life®. Cloud DX delivers medical grade hardware directly to the client so that Cloud DX can remotely monitor their vitals to help ensure they are on and stay on the road to recovery.
View our new Critical Illness video on YouTube or Vimeo!
With these updates and more, EquiLiving Critical Illness Insurance is there for clients, not only at time of their claim but also during their recovery. To learn more about Critical Illness insurance, the Equitable way, contact your local wholesaler.
*Cloud DX is a non-contractual benefit and may be withdrawn or changed by Equitable Life® at any time. To be eligible for the Cloud DX offering, a claimant must be age 12 or older and have received payment on or after February 12, 2022 for a covered critical condition benefit under an individual critical illness insurance policy issued by Equitable Life. An early detection benefit payment does not qualify. Equitable Life pays for 6 months of Cloud DX subscription fees. If the claimant wishes to continue the Cloud DX service after 6 months, they will be responsible for the cost.
® and TM denote trademarks of The Equitable Life Insurance Company of Canada.
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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. -
Sofie wants to provide for her children long after she’s gone with Equitable Generations Universal L
Sofie knows the future is uncertain. As a mom of two children and in her late forties, Sofie wants to continue to help her kids with their life goals as they get older.
She learns that Universal Life insurance from Equitable® is a great fit for her. It has investment options, choices of death benefit and even flexibility on how she pays for her premiums. With the investment option, she can earn tax-advantaged growth*.
Watch our new Universal Life Insurance from Equitable video to learn more. See it on Vimeo
This video can help you talk with clients about Universal Life insurance. It walks them through what it is, how it works, and the affordability and flexibility it features. It highlights just how Universal Life from Equitable is an insurance solution truly designed to meet the needs of clients today and into tomorrow.
Not sure where to start? Send clients this draft prospecting letter which you can personalize specifically for them.
Plus, check out our Universal Life solution page on EquiNet®, then click on the Marketing Materials tab for the latest Universal Life Marketing Materials.
Want to learn more? Ask your Equitable wholesaler!
View on Vimeo
*Subject to the Income Tax Act of Canada.
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Join us for an Equitable Life Master Class webcast featuring Dr. Ryan Murphy, Morningstar
You’re invited to our next Equitable® Master Class webcast offering compelling topics and unique ideas from leading experts to help you manage and grow your business.
Just asking clients what their goals are may not be enough. Clients may respond in ways that seem reasonable but might not represent the goals that are truly important to them.
In the Behavioural world, this is known as ‘thinking blind spots’ and stems from behavioural biases we all have. The blind spots can prevent clients from expressing their true goals to you and lead to a plan that doesn’t accurately represent their preferences and motivations.
Join us for an informative discussion led by Dr. Ryan Murphy, head of Morningstar’s global Behavioural insights in how you can get clients past their thinking blind spots.
Learn more
Continuing Education Credits
This webinar has been submitted for continuing education (CE) approval with the Insurance Council of Manitoba and Alberta Insurance Council for all provinces excluding Quebec. Upon approval, you will be sent an email notification to come back to the webinar presentation console to download your personalized certificate from the tool bar. To be eligible for CE credits, you must register individually, watch the webcast in full and complete a short quiz. This webcast is available in English only.
® or ™ denotes a registered trademark of The Equitable Life Insurance Company of Canada.
Posted February 1, 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 -
Equitable Now Accepts eSignatures on all documents (Ind. Ins. & S&R)
View the Guide to completing eSignatures
What are the benefits?
● It’s secure because you no longer need to upload or email documents to us.
● It also removes a step in the process for you - we will get the eSigned documents directly once all signatures are completed and therefore you no longer need to notify us once the documents are signed.
● Your documents will be processed quickly and efficiently.
How does this work?
● 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.
● If not using esign@equitable.ca we require the original signed form and audit trail with all the security features intact.
● The email addresses used to sign must match what is in our file (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.
● We will accept all eSigning Vendors that have the functionality to place the eSignature in the correct signature fields on all applicable documents. If the eSigning vendor does not have the functionality to do this, we cannot accept it.
® denotes a registered trademark of The Equitable Life Insurance Company of Canada. -
Why tax refunds aren't always good
It’s important for advisors to help clients understand their finances. Many people think getting a tax refund is good, but that's not always true. Here are some reasons why.
1. Overpaying Taxes
A refund on a tax return means the client paid too much in taxes during the year. This is like giving the government an interest-free loan. Instead, clients could use that money each month for savings or investments.
2. Missed Investment Chances
When clients overpay taxes, they miss chances to invest that money. It could have been earning interest or growing in value instead of sitting with the government.
3. Poor Financial Planning
A big tax refund can show poor financial planning. It's better if clients break even, meaning they don't owe much and don't get a big return. This shows their tax withholdings are accurate.
4. False Sense of Security
A large tax refund can make clients feel falsely secure. They might spend it quickly instead of saving or investing it wisely.
5. Financial Hardship
Overpaying taxes can make it hard for clients to manage their money during the year. They might struggle with monthly expenses or saving for emergencies.
Advisors should teach clients about the downsides of tax refunds. By adjusting their withholdings, clients can manage their money better and take advantage of investment opportunities. Aim for a balanced tax situation to improve financial health.
Help clients make the most of their investment opportunities this tax season. For more information, contact your Director, Investment Sales.
Date posted: March 20, 2025 -
Pique your Fi-natical Curiosity with Equitable and Invesco
Get ready for an engaging session where we'll uncover 8 core topics that every advisor should know about clients. One of those core topics is “who do you care about?” This helps advisors understand who is important to clients, so they can then begin to include them in their planning. Let's dive in and discover how to make client relationships even stronger.
Rob Kochel, Director, Invesco Consulting Canada, will explain how asking the right questions helps advisors learn more about clients, so they can work towards capturing up to 70% more of their clients’ assets. Join Joseph Trozzo, Vice President, Investment Sales, at Equitable® as he hosts this Master Class webcast on “Fi-natical Curiosity”.
Featured Speaker: Rob Kochel
Rob is a Director with Invesco Consulting. This group has earned a reputation within the financial sector as a premier provider of business strategies to the industry. Rob is a national speaker who is recruited for keynote presentations and workshops to share his personal learnings and Invesco Consulting's expertise.
Learn more
Continuing Education Credits
This master class has been submitted for continuing education (CE) approval for all provinces excluding Quebec via the Insurance Council of Manitoba and Alberta Insurance Council. Upon approval, you will be sent an email notification to come back to the webcast presentation console to download your personalized certificate from the tool bar. To be eligible for CE credits, you must register individually, watch the webcast in full and complete a short quiz. It is the advisor's responsibility to ensure Continuing Education credits being offered are accepted by their licensing body. Alberta Insurance Council (AIC) credits are valid in Yukon, British Columbia, Alberta, Saskatchewan, Ontario, New Brunswick, Prince Edward Island and Nova Scotia. Insurance Council of Manitoba (ICM) credits are valid in Manitoba only.
This webcast is available in English only.
Date posted: March 13, 2025