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  1. [pdf] Term Life Insurance - Flexible protection that can last a lifetime
  2. [pdf] EquiNet Quick Tips
  3. [pdf] Pivotal Select Advisor Guide
  4. [pdf] The Approach to Suitable Sales - Reference
  5. Equitable Insights: Our Large Case Experts

    Welcome to the fifth video in our Equitable Insights series. “Our Large Case Experts” features Scott Morrow, Individual Insurance Sales Vice President, MGA East, Equitable Life.

    View the video on YouTube or Vimeo

  6. Equitable Insights: Supporting the Health of Canadians

    Welcome to the seventh video in our Equitable Insights series. "Supporting the Health of Canadians" features Donna Carbell, Senior Vice President, Individual Insurance. 

    View the video on YouTube or Vimeo

  7. Predictive Analytics at Equitable Life
    At Equitable Life®, we understand the importance of using technology and data in making informed business decisions. That's why we leverage predictive analytics to improve our Underwriting process.

    LEARN MORE about Predictive Analytics at Equitable Life.


    ® denotes a trademark of The Equitable Life Insurance Company of canada
  8. Like a summer breeze – Applying for LIFE insurance just got easier!

    What has changed? 

    A resting electrocardiogram (ECG) is no longer required for most LIFE cases.
    •    That’s right! We eliminated the resting ECG as a routine age/amount requirement for most life  insurance applicants.
    •    Of course, we may still request an ECG in certain cases at our underwriters’ discretion – for example, if the client has a history of diabetes or smoking. 


    Why did we do this?

    It’s simple – Equitable® is dedicated to continually enhancing the client and advisor experience. By eliminating the ECG step for routine applications, life insurance clients can obtain the coverage they need more quickly and with less effort.


    Updated resources coming soon!

    The tools below are being updated shortly to reflect the above change:
    •    Our age/amount schedule for Life insurance products 
    •    The underwriting requirements built into our illustration tool
    •    Our paramedical service providers’ ordering system

    Until then, if you see an ECG as a listed requirement for your client in any of the above, there is no need for you to order the ECG unless we specifically ask for it. 

    Questions? Please contact your local Equitable wholesaler to learn more.

    View our Evidence of Insurability Schedule (#1343) – (see p.1 chart for Life products).



    ® and ™ denotes a trademark of The Equitable Life Insurance Company of Canada.
     
  9. Boost your knowledge and earn CE credits

    Need continuing education credits?

    Equitable® is happy to offer two new online courses focusing on whole life insurance. The courses allow you to learn at your own pace and earn CE credits quickly and easily. You can earn CE credits right away when you complete these courses. All courses are accredited by Alberta Insurance Council, Insurance Council of Manitoba, The Institute for Advanced Financial Education, and Chambre de la sécurité financière*.
     
    New courses:
    1.    Introduction to Whole Life Insurance
    2.    Participating Whole Life for the Children’s Market – A Head Start for Tomorrow

    Existing courses:
    1.    Path to Success - Expert Advice on Navigating CI Sales  
    2.    Ensuring a Compliant, Needs-based Insurance Sale
    3.    Where UL Fits in your Product Portfolio



    A few important notes before you get started:
    •    The programs are hosted on Teachable: https://equitable-life-education.teachable.com/
    •    Username: Please use your email address that you are contracted with
    •    Password: Equitable
    •    Please use Google Chrome to access the courses

    Start Earning CE Credits!

    Check out the individual insurance online learning centre on EquiNet® to stay up to date on new courses. 

    Questions?
    Contact your local wholesaler.
     
    Are you having trouble logging in or accessing certificates?
    Email equitablelifemarketing@equitable.ca for assistance.

    *Please select the course with “QC credits” in the title for La Chambre credits.
    ® or TM denotes a trademark of The Equitable Life Insurance Company of Canada.
  10. 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.