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  1. Take emotions out of investing
    Taking the emotion out of investing can be easier said then done. Most of us at one time or another have decided upon something strictly because of how we felt at the time, not because it was logical or made good financial sense. I am sure most of us have a good story to tell.

    When it comes to financial planning, you always want to encourage your clients to be a rational investor and accept that market fluctuation is part of the investment journey. Over the last few months, even the hardiest rational investor has been challenged to accept the market fluctuations. History shows us that this too, shall pass and markets will rise once more. The biggest question asked is always, when?

    While no one has a crystal ball with that answer, the best we can do is help our clients understand that when building portfolios, risk is always at the forefront of any good investment strategy. The level of risk is just one of the building blocks to constructing a financial portfolio that will see the client through good times and bad.

    Need more help? Equitable Life has created an emotional investing brochure to help your clients manage through these extraordinary times. To download a copy, click here. We have also included a template letter that you can personalize and use to reach out to your clients. To download an editable copy, click here.

     
  2. [pdf] Pivotal Select Investment Class Client Brochure
  3. A good time to look at the Equitable Life Money Market Fund Select Whether clients are looking for a short-term cash savings solution or are interested in funding a dollar cost averaging strategy, the Equitable Life Money Market Fund Select may be an ideal solution.

    With a current yield to maturity of 2.32%*, the fund provides maximum income through short-term investments consistent with preservation of capital and liquidity. 

    And advisors earn the full commission upon deposit on funds used for a dollar cost averaging strategy.

    For more information check out Equitable Life Money Market Fund Select or contact your Director, Investment Sales.

    * As of April 3, 2025, net of fees. Yield to Maturity: The market value weighted average yield to maturity includes the coupon payments and any capital gain or loss that the investor will realize by holding the bonds to maturity.

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

    Date posted: April 7, 2025
     
  4. New “Update Payment” feature for banking changes has launched! Great news! Equitable® has launched a new self-serve "Update Payment" feature in Client Access and on EquiNet®. This new online process enables clients and advisors to easily submit key banking change requests for eligible insurance policies*, with no need to complete a physical form.

    What’s new?

    A new "Update Payment" feature is now available on Client Access and on EquiNet under Policy Inquiry. It allows clients (and advisors) to easily submit requests for the following three transactions online:

    1.  STOP pre-authorized payments.

    2.  RESUME pre-authorized payments on overdue accounts.

    3.  CHANGE which bank we withdraw money from.




    The new "Update Payment" feature replaces the previous "Edit" button in Client Access. The old banking change options are still available in the client’s Profile section. They can be used to request a change to the payment withdrawal date, as that option is not yet available with the new Update Payment feature. 

    How it works!

    When a change is requested using the new Update Payment feature, our Operations team receives it online.  They will review and process the changes within three business days, as per Equitable’s current service standards. 

    The Update Payment feature in Client Access is a self-serve process. However, if a client prefers, their advisor or an Equitable Customer Service associate can assist them by submitting the request on their behalf. Clients will be asked to sign to approve any such requests that are submitted by someone other than the owner of the policy.

    *The Update Payment transactions are only available for eligible policies: those that have not lapsed, are not on Automatic Premium Loan, and are not owned by a corporation or other entity.

    We trust that these digital enhancements will help make the client and advisor experience even simpler and more efficient.

    Need more information? Please contact your Equitable wholesaler.

    ® or TM denotes a trademark of The Equitable Life Insurance Company of Canada.
  5. [pdf] The Approach to Suitable Sales - Reference
  6. Navigating the current market
  7. [pdf] Life Insurance as an Asset Class - the mutuality edition
  8. [pdf] Borrowing Money to Make Money
  9. Your first $3 million has never been EZier!

    Equitable Life® no longer requires medical evidence1 on life insurance amounts up to $3M for applicant ages 18-50, up to $500,000 for ages 51-55 and up to $100,000 for ages 56-60.
    Clients can apply for preferred risk classes on term insurance amounts starting at $1 million2, and will have to provide additional evidence.

    A winning combination
    The increased non-medical limits will lead to even faster turnaround times in our EZcomplete® automated process! Our continued investment in digitalization is accelerating the application process - making it quick and easy! It’s a winning combination.
    At Equitable Life, we are proud to be #1 in Canada for total policy turnaround time on fully underwritten insurance business3.

    Fast, faster, fastest …did you know?

    • It takes about 12 days on average from the time an application is submitted to the policy being sent out electronically! 
    • More than 40% of all our life insurance policies that don’t require medical evidence are issued within 2 days and
    • 95% of requirements are reviewed by an underwriter within 2 days
    Referrals are important to your business and ours
    It’s not surprising that MGA advisors rank Equitable Life #1 as the company they would most likely recommend to a friend4. As a mutual, we provide financial security differently, by focusing exclusively on our clients. 

    Looking for more details?
    These exciting updates are included in Equitable Sales Illustration® software, which is available for download. 
    Further details on these exciting new changes are available. As well, please speak to your Regional Sales Manager for more information.
     
    ® and TM denote trademarks of The Equitable Life Insurance Company of Canada.
     
    1 Medical evidence could include: Blood profile, urinalysis, paramedical exam etc.
    2 Preferred Term Underwriting will now begin at $1,000,000 for ages 18-50 and $500,000 for ages 51-60.  Preferred Term Underwriting is not available for ages 61 and above
    3 New Business service survey conducted by MGA distribution partner 02/01/2021 to 07/31/2021
    4 LifeOps Consulting Group Distribution Service Satisfaction survey 2021 (Independent advisors)
     
  10. The value of Equitable Life’s EZcomplete online application for Pivotal Select
    Necessity is the mother of invention. And COVID-19 has taken Equitable Life’s® EZcomplete® online application to the next level. Prior to the pandemic, EZcomplete was touted as being convenient and easy to use. Well, it is. But now…it is so much more.

    Whether secure in an office or safe at home, EZcomplete’s non face-to-face capabilities include an alternative to physical verification. EZcomplete simply requires verification of ID using a third-party service provider. The third-party service provider completes the verification behind the scenes using information that was already required to complete an application. By removing the physical ID requirements, the ID verification process has been automated and simplified.

    EZcomplete’s electronic signature functionality is also easy and secure. To enable a remote signature, your client just provides an e-mail address. Your client will receive a link and security code that you provide. The client enters the code, reviews the application and e-signs the documents.

    Step by step directions ensure you have the right details without any confusing or unnecessary questions. Highlighted fields alert you to any missing information, eliminating any extra work or effort. The immediate processing also helps make it an attractive resource.



    Whether selling segregated funds face to face or from the comfort of home, Equitable Life’s EZcomplete online application and Pivotal Select™ segregated fund line up provide the solution for even the most rattled and weary investor. Learn more, visit EquiNet or contact your Regional Investment Sales Manager.