Site Search

701 results for view site quick MAKEMUR.com pay bond online get out today Alytus

1. Steady may be better than perfect. Why dollar-cost averaging matters.

   
   If clients are saving for a first home, staying consistent matters. A quick explanation of dollar‑cost averaging (DCA) helps them see why investing the same amount on a regular schedule can help reduce the stress of volatility, remove guesswork and keep their First Home Savings Account (FHSA) savings on track — giving you a natural bridge to Equitable’s Grow Your Way Home contest this summer.  

   Reinforce that DCA is about time in the market and consistent behaviour, not trying to pick the “perfect moment.” Here are a few talking points to work DCA into your FHSA conversations.  

   “Consistency beats guesswork.”  

   With DCA, clients contribute a fixed amount on a set cadence (e.g., bi‑weekly). That discipline can help them keep moving toward their saving goals even when headlines are noisy.  

   “Different prices, naturally.”  

   Regular contributions mean clients buy at various price points over time, which can help smooth out the impact of market ups and downs and also help spread risk.  
   
    

   “Make it automatic.”  

   Align DCA to paydays. Automating bi‑weekly FHSA deposits builds habit, helps reduce friction and keeps clients progressing toward their first home.  

   
   As you continue FHSA conversations this summer, remind clients that DCA plus automation helps them participate consistently, through all market conditions. And from May 1 to August 31, 2026, every Equitable FHSA account opened and every deposit to an FHSA account earns automatic entries in Equitable’s Grow Your Way Home contest.  

   Use EZcomplete® and EZtransact® to keep contributions seamless and connect with your Director, Investment Sales for additional support, tools and ideas to help you continue these conversations throughout the summer. 

    

   ® and ™ denote trademarks of The Equitable Life Insurance Company of Canada. 

   Equitable’s Grow Your Way Home contest: No purchase necessary. Contest period is May 1, 2026 to August 31, 2026. Enter by: opening an Equitable FHSA during the Contest Period; making a deposit to your Equitable FHSA during the Contest Period; or submitting a no-purchase entry. Two prizes of $8,000 each to be drawn on September 21, 2026 will be awarded to clients. The servicing advisor for the selected entrant’s relevant FHSA contract is also an eligible winner and will receive 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 the full contest rules. 

2. Term vs permanent life insurance: helping clients choose the best solution for them Most people understand why life insurance matters. What they’re often unsure about is which type of coverage is right for them. As an advisor, you’re in a unique position to do more than present options, you can help clients feel confident they’re making an informed choice. 
   
   Start with the client, not the product
   Before discussing insurance solutions, you can start by asking three important questions:
   1. What do you need to protect today?
   2. What are you trying to achieve for the future?
   3. What is your budget?
   By asking these questions you will get a better understanding of which solution fits the client’s needs.
   
   Matching the solution to the client
   Term life insurance may be ideal for clients who have budget considerations and need coverage for: 
   • Helping to replace income
   • Helping cover a mortgage or other debts
   • Business protection
   • A specific period of time (10 – 30 years)
   If a client wants lifetime coverage but can’t afford it right now, term insurance is a good option.  It gives them affordable coverage today that they can later choose to convert to permanent insurance when their income increases.¹
   
   Permanent life insurance (whole life and universal life) is an option for clients looking for lifelong coverage and added long-term value. It’s a good option for clients who want to:
   • Build an inheritance
   • Preserve their estate
   • Build tax advantaged cash value growth
   
   Permanent life insurance is also an excellent way for parents or grandparents to help give children or grandchildren some lasting financial security. It secures lifetime protection at a lower cost when the child is young and healthy. It also offers the potential for cash value growth that they can access if needed.   
   
   Helping clients make confident choices
   By focusing on what the client needs now—and what they might need later—you can help them pick life insurance that fits their changing life and financial goals. Share this client‑friendly piece that outlines some of the things that clients should consider to make an informed decision: 
   Which life insurance solution is right for you?
   
   Reminder: Clients’ needs can change; it’s a good idea to review their coverage regularly.
   
   For any questions, contact your Equitable wholesaler.
   
   
   ¹See contract for details on conversion limitations and eligibility.
3. Access more fund performance information faster and easier

   
   
   Welcome to a new and improved Fund Overview & Performance  website for Equitable Life^® segregated funds.
   
   A central location for:

   • fund performance and quartile rankings

   • daily and historical unit prices

   • fund information (available in web and PDF)

   • Fund Facts documents

   • MERs

   
   
   Highlights:

   • Save your favourite funds for easy access.

   • New fund search and filter tools by product, guarantee, asset class and sustainability.

   • Share features allow you to easily share fund information with clients.

   • Ability to compare fund performance of Equitable Life segregated funds.

   • Simulated backcasted returns for funds with less than five years of performance history.

    
   Check out the new Fund Overview & Performance webpage today to see how Equitable Life is making fund information faster and easier to access. Speak to your Regional Investment Sales Manager to learn more!
    
    

    _{® denote a trademark of The Equitable Life Insurance Company of Canada.}

   Posted February 27, 2023

4. Individual insurance communications at Equitable are changing
   Out with the old and in with the new … in phases. Less than one year after the launch of our bold brand redesign, we are refreshing Equitable^® individual insurance client letter communications. The updated letters are an opportunity to show more than our new logo. It’s about showing clients that we are here to listen and support them every step of the way.
   
   This fresh approach to client communication delivers greater personalization that evolves with each client’s needs. Adopting a more inclusive and conversational tone means clients will stay well informed with clarity, so they can understand their insurance policies and the claims process better. Consistent communication across their insurance journey with Equitable reinforces how much we value their trust in us to support their financial needs.
   
   Other notable changes you can expect to see over the next year include:
   ● Graphic icons
   ● Scannable content
   ● Simplified layouts
   ● Visual financial data
   
   The rollout of new letters begins this fall. As always, you can access a copy of your clients’ letters on EquiNet^®.
   
   Questions or want to share feedback? Talk to your Equitable wholesaler today!
   
   
   
   
   
   ^® or ^TM denote trademarks of The Equitable Life Insurance Company of Canada.
5. New rules in effect for all Quebec applications The Quebec Regulatory Tribunal (AMF) made an important decision about selling insurance products to Quebec residents. As a result, Equitable^® has changed its licensing rules for all future sales to clients in Quebec. 
   
   Effective on November 28, 2024, you must be licensed in Quebec to submit an application for a client who lives in Quebec. This requirement applies to all insurance and investment products.
   
   Regardless of where the application is signed, if you meet with a client whose primary residence is in Quebec, you must be licensed in Quebec to submit on the client’s behalf. 
   
   If you are not licensed in Quebec, you will need to get licensed in Quebec for applications for Quebec clients to be processed. 
   
   What about licensing for clients outside of Quebec? 
   
   In all cases, we encourage you to be licensed in the province where a client lives to be able to do business or provide ongoing service.
   
   
   
   
   Equitable is committed to providing solutions and service that is in the best interests of clients and advisors alike. We appreciate your continued support.
   
   Questions?
   
   Your Equitable Wholesaler is here to help. 
   
   You may also reach out to Advisor Services for more details. Email eastern-service@equitable.ca or call 1-800-668-4095.
   
   
   
   ^® or ^TM denote trademarks of The Equitable Life Insurance Company of Canada.
6. Extending premium relief for Dental and Extended Health Care benefits

   We know this continues to be a challenging time for Canadian employers and we remain committed to looking for ways to help your clients manage while still supporting their employees.

   Although many health practitioners have re-opened as pandemic restrictions are lifted, plan member use of dental benefits and some health benefits still remains lower than normal in June.

   We are pleased to announce that we are extending premium relief for all Traditional and myFlex insured non-refund customers for Health and Dental benefits for the month of June, as follows:

   • A 25% reduction on Dental premiums; and
   • A 5% reduction on Extended Health Care premiums.

   These reductions are effective for June 2020 and will appear as a credit on the July bill, or against the next available billing. We will assess the situation monthly and will continue with monthly refunds for as long as the current crisis period continues. The size of the credit may change over time as dentists and other health practitioners gradually reopen their offices. We will confirm premium credits for July (if any) at a later date. Credits for subsequent months will be communicated on a month-by-month basis.

   In order to be eligible for the monthly credit calculation and payout, a policy must be in force on the first of the month and remain in force thereafter. The monthly credit calculation is based on employees in force on the June bill. If employees experienced layoffs during the month, that would not affect eligibility for a premium credit as long as the benefit itself is not terminated.

   We expect that claims experience and premiums will return to normal once the current pandemic restrictions are lifted.

   In the meantime, plan members will continue to have full access to their benefits coverage throughout the pandemic. In many cases, dental offices have remained open for emergency services, and a variety of healthcare providers are available virtually.

   Commissions

   We know the pandemic has put financial strain on your business as well, so we will continue to pay full compensation. Although your overall commission will be unaffected by these premium reduction adjustments, you may see a temporary reduction in your commission payments if you are on a pay-as-earned basis.

   Communication

   We will be communicating this premium relief program to your clients later this week.

   Questions?

   If you have any questions, please contact your Group Account Executive or myFlex Sales Manager. You can also refer to our online COVID-19 Group Benefits FAQ.

7. Accepted Payment Methods
8. EquiLiving offers more options to clients facing a covered Critical Illness condition Consider these statistics…1 in 2 Canadians will develop cancer in their lifetimes¹. They’re just numbers…until the day someone you know is diagnosed, someone who didn’t see it coming. Then it becomes very real - no longer incidence statistics, but costs. Today more people than ever are surviving and living with not only just the physical, but also the financial effects of their illness.
    
   We’re there to help when illness strikes
   
   NEW! EquiLiving® plans and riders have recently been enhanced including:
   
   ●  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)
   ●  EquiLiving Benefit now pays the higher of the EquiLiving Benefit or the Return of Premium Rider Benefit (not including Return of Premium on Death)
   ●  And so much more …
   
   Learn more
   ●  CI product enhancement video
   ●  Visit our launch event page with product change details and more
   ●  Marketing Materials
   
   Please contact your Regional Sales Manager for more information. 
    
   1 www.cancer.ca
    
9. Universal Life Product Fund Changes In September 2022, we will be changing the underlying securities being tracked for several universal life funds, listed below.*  These changes apply to our current Equation Generation IV universal life insurance product and to any legacy products that offer these same UL funds.
   
   If your client would like to transfer money currently invested in any of the above UL funds to a different UL fund and/or change the investment option for their future deposits, please submit a request well in advance of September 2022 using form 693UL.
   
   Please contact your Equitable Life^® Regional Sales Manager for more information. 
    

   UL Fund	Currently Tracked	Upcoming Change*
   European	DJ Euro STOXX 50 Total Return Index	STOXX Europe 600 Paris-Aligned Index (ESG)
   Canadian Bond	Sun Life MFS Canadian Bond	Equitable Life Active Canadian Bond Fund Internal Linked
   Global Fixed Income	Mackenzie Global Tactical Bond	Invesco Global Bond
   Canadian Value Stock	Mackenzie Cundill Canadian Security	Franklin Bissett Canadian Equity
   Large Cap Canadian Equity	Mackenzie Ivy Canadian	Dynamic Equity Income
   Global Balanced	Templeton Global Balanced	Mackenzie Ivy Global Balanced

   
   *Underlying security changes will occur in September 2022. Exact effective date has not yet been determined.
    
10. Changes to Equitable’s Universal Life fund names Effective November 15, 2025, we changed the name of the funds being tracked for the following Equitable^® linked interest options. These changes apply to both our current and legacy universal life solutions as indicated below.
     

    Linked interest option	Current name of fund being tracked	New name of fund being tracked	Applicable insurance solutions
    Canadian Bond	Equitable Life Active Canadian Bond Fund Internal Linked	Equitable Bond Internal Linked	Equitable GenerationsTM, Equation Generation® IV, EquiLife® and Equation Generation III
    Canadian Balanced Portfolio	Equitable Life Active Balanced Portfolio Select	Equitable Balanced	Equitable Generations
    Canadian			Equitable Generations, Equation Generation IV, EquiLife, Equation Generation III and Equation Generation II
    Canadian Neutral Portfolio	Equitable Life Active Balanced Income Portfolio Select	Equitable Income	Equitable Generations
    Global Equity Portfolio	Equitable Life Active Balanced Growth Portfolio Select	Equitable Growth

    
    Effective November 15, 2025, we changed the names of the following segregated funds tied to some of our legacy universal life products as indicated below.
     

    Current name of segregated fund	New name of segregated fund	Applicable products
    Asset Allocation Fund	Equitable MFS Balanced	Equation and Direction 2000 Plus
    Active Canadian Bond	Equitable Bond
    Canadian Stock Fund	Equitable MFS Canadian Equity Plus
    Money Market Fund	Equitable Money Market
    Accumulative Income Fund	Equitable MFS Canadian Fixed Income	Direction 2000
    Common Stock Fund	Equitable MFS Common Stock

    
    Only the above funds’ names have changed. No fundamental changes have been made to the funds.