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- Path to Success Module 5
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- About
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Welcome EZtransact from Equitable Life
On July 28, 2021, Savings & Retirement is launching online transactions for segregated funds. A new way to make managing your client’s policies quick and convenient. With a growing need for digital solutions, Equitable Life’s new EZtransact eliminates the hassle of filling out forms, facilitating signatures yourself, submitting copies to your MGA and being tied down to business hours for submitting transactions.
Available on EquiNet's secure website, EZtransact’s first service will allow advisors to setup a one-time or recurring deposit or edit an existing pre-authorized debit already in place. In just five simple steps, EZtransact:- Collects the deposit details,
- Pre-populates pre-existing relevant details,
- Alerts you to any missing information,
- Facilitates the signing process and
- Sends a copy of the transaction to your MGA, eliminating any need for duplicate copies, or additional steps.
“We are excited to be able to launch a new digital solution for our advisors”, said Vice-President, Savings and Retirement, Judy Williams. “We feel this new application complements our existing highly rated EZcomplete® online application process. With both solutions available to advisors, we are making it even easier to do business with Equitable Life”.
If you are already registered with EquiNet, go online today, and give EZtransact a try. If you are not registered, contact your local Regional Investment Sales Manager or, call our Advisor Services Team to have a Regional Investment Sales Manager in your area contact you.
To learn more, click here.
® and TM denote trademarks of The Equitable Life Insurance Company of Canada
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New publication: CLHIA consumer guide for critical illness
In February, the Canadian Life and Health Insurance Association (CLHIA) published a new consumer guide for critical illness. This guide covers what clients need to know about critical illness.
Some of the topics include:
● What critical illness insurance covers in Canada
● If critical illness insurance is the right choice for a client
● What critical illness insurance policies may or may not include
● Plan types and offerings
● And more!
Equitable is committed to helping clients make informed decisions about their insurance needs. You can find links to the CLHIA critical illness consumer guide on equitable.ca and through EquiNet > Individual Insurance > Critical Illness. You can also find a link to the CLHIA agent guide for critical illness on EquiNet.
Share this with clients in addition to the great resources below!
Critical illness insurance with Equitable video: View on Vimeo.
Critical illness prospective letter template – simply fill it out and send off to your clients!
Want to earn CE credits? Check out our Critical Illness Path to Success program.
Need more information?
Your Equitable Wholesaler is here to help!
® and TM denote trademarks of The Equitable Life Insurance Company of Canada. -
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.
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.
Why did we do this?
The tools below are being updated shortly to reflect the above change:
Updated resources coming soon!
• 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.
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Flexibility for a client’s ever-changing life
Term life insurance offers full and partial conversion options to meet changing needs
Life is always changing—whether a client is buying their first home, welcoming a new baby, or sending the kids off to college. While most clients think of term life insurance as a solution to meet a temporary need, they don’t necessarily consider the power of term conversion options to meet their future needs.
Full and partial conversion options can help meet a client’s needs as their life journey and insurance needs change, without having to provide proof of continued good health.
Full conversion:
• With full conversion, clients can convert all of their term coverage from their policy or rider to permanent life insurance. This allows the client to lock in a level premium rate for life.
Partial conversion:
• With a partial conversion, clients can convert a portion of their term coverage from their policy or rider to a permanent plan. This allows them to help cover off both a short-term need and also provides lifetime protection.
Did you know?
Our partial conversion with a term rider carryover is now more flexible than ever. Read more about it here!
For more information, please consult the Equitable Term Life insurance admin guide. -
Savings & Retirement Policy and Procedure updates regarding Electronic Signatures
We have updated our policies and procedures regarding electronic signatures in the Savings and Retirement department. We are now able to accept electronically signed documents, from all major third-party signing vendors.
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. Including esign@equitable.ca as a non-signing reviewer is secure, quick, and efficient. Documents no longer need to be emailed to us – eSigned documents are sent directly to us once all signatures are completed, therefore you do not need to notify us once the documents are signed.
When esign@equitable.ca is not used to submit electronically signed documents, the following criteria are required:- The original signed form and audit trail with all the security features intact
- The email address used to sign must match what is in our files (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.
A guide on how to use esign@equitable.ca can be found here.
Please note that Equitable does not accept digital signatures (images or fonts of a signature which are not stamped).
Date posted: June 13, 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. -
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.