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1. 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.
    
2. [pdf] Additional/Updated Client Information
3. About
4. Understanding debt: A key to building wealth Why debt matters in wealth conversations
   Debt is part of life for many Canadians. But not all debt is the same. As an advisor, you can help clients understand their debt and how to manage it. This is key to building wealth and confidence. Financial Literacy Month is a great time to “Talk Money.”
   
   Types of debt¹
   • Secured: This is backed by something the client owns, like a house or car. Its cost of borrowing or interest rate is usually lower.
   • Unsecured: This includes credit cards and personal loans. These debts have no asset behind it and often cost more.
   • Revolving: These are like credit cards. The balance owing can carry over to the next month.
   • Installment: These are like car loans. Clients pay a set amount each month.
   
   Helping clients manage debt
   • Pay off high-interest debt first:  Credit cards are often a good place to start.
   • Consolidate: One lower-interest loan payment can replace many.
   • Make a budget: Include debt payments and savings.
   • Use insurance-based investments: Segregated funds and Daily/Guaranteed Interest Accounts offer protection and guarantees. These can help clients manage risk while growing wealth.
   
   Why reducing debt matters
   Less debt can mean more financial freedom. Clients can save more, stress less, and plan better for retirement. It also helps them leave a financial legacy.
   
   Your role as an advisor
   You do more than sell products. You guide clients to make smart choices. Use this article to start a simple, clear conversation about debt—and how Equitable Individual Wealth solutions might fit into their overall financial picture.
   
   Talk to your Director, Investment Sales today for more strategies to help clients with debt.
   
   ¹ Source : ARC, 2025-03-28
5. The Equitable Gives Back Contest – Start spreading the word! Equitable Life of Canada is celebrating our 100^th Anniversary in 2020, and we’re busy planning a year of events and activities so we can celebrate this significant milestone with our employees, clients, wholesalers and advisors across Canada.
   
   A big part of who we are as a company is our commitment to help strengthen the communities where we operate by supporting a variety of charitable initiatives that help to improve the quality of life for the people living there. We are proud to launch the Equitable Gives Back Contest. Our goal is to give $10,000 to five registered charities operating in Canada.
   
   All it takes to enter is an original essay (not less than 100 words, not more than 500) describing the way in which a charitable organization could use $10,000 to help further their charitable purpose and improve life for Canadians.
   
   Reach out to your clients, tell them about the contest, and encourage them to visit www.equitable100.ca to see if they are eligible! All entries must be submitted by March 31, 2020.
    
6. Equimax® Participating Whole Life – A whole life solution for everyone Recently, we made some exciting changes for Equimax Estate Builder^® and Equimax Wealth Accumulator^®.
   
   These enhancements, launched in February, make Equimax the preferred solution for clients and their families. In particular, buying a whole life solution for children gives them a head start for tomorrow. Life insurance on a child gives them:
   - Permanent insurance at children’s rates
   - A stable tax-advantaged investment option
   - A boost in financial planning
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   Watch our new Equimax for Children video to learn more. View on Vimeo or YouTube.
   
   Plus, visit our Equimax product page on EquiNet^®, then click on the Marketing Materials tab for the latest Equimax marketing materials.
   
   Need more information? Please contact your local wholesaler.
    

   _{^® denotes trademarks of The Equitable Life Insurance Company of Canada.}

7. What’s the story behind Equitable’s new brand? We are excited to share some more insight into the news of Equitable’s new brand.
    
   Our new brand isn’t just a logo change.
   Our new brand reflects our deeply rooted dedication to our clients. Over the next year, we will make the transition to our refreshed look.  The new brand illustrates our focus on strong partnerships and making it even easier for you to do business with us. 
    
   Check out the Beyond the Logo video featuring our executive team sharing how the new brand embodies our commitment to advisors.
    
   We’ll provide more details on the changes we’re making, and we welcome you to join in the journey. Please reach out to your Equitable point of contact or visit equitable.ca to learn more.
   
   Posted December 4, 2023
8. Equitable’s New Brand – The Power of Together!

   On November 1, 2023, we unveiled our new brand and announced the shortening of our brand name to Equitable^®. The rebranding includes a fresh new look, and a forward-looking vision for the future – one that honours our 103-year history and our unwavering commitment to clients.

   As we start 2024 with a renewed sense of purpose and commitment to clients, together with you, we are more determined than ever to provide more value and impact – to protect today and prepare tomorrow for our clients.

   “At Equitable, we champion the power of togetherness. It’s a mindset that drives our behaviours, decisions, and actions to power equitable outcomes for our clients, advisors, and partners,” said Fabien Jeudy, President, and CEO, Equitable.
   
   
   
   
   
   
   
   
   
   
   View the Power of Together video to learn more about Equitable’s renewed purpose and dedication to clients:

    
   View on Vimeo
   
   Questions about our new brand? Please contact your Equitable wholesaler or visit equitable.ca.
   
   
    ^® or ^TM denotes a trademark of The Equitable Life Insurance Company of Canada.
9. The Equimax EVOLUTION Continues Earlier this year, we announced a host of improvements to our Equimax^® Participating Whole Life solution, designed to add value, flexibility, and affordability to an already excellent plan. 
   
   Today we’re pleased to announce the following additional updates took effect on August 12^th, 2023: 
   1. Targeted improvements in rates, death benefits, and cash values for Equimax Estate Builder and Equimax Wealth Accumulator plans. 
   2.  New joint last to die rates for the Wealth Accumulator plans to align with Estate Builder. 
   3.  A new “rated age” calculation, and
   4.  New rates for determining the maximum enhancement amount with the Enhanced Protection dividend option.
   
   Visit our splash page and watch our informative video to learn more and start selling the enhanced Equimax today.
   
      
   
   Refer to our Transition Rules for all the details on processing your applications.
   
   
   Our illustration tools are updated:
   ●  New Web-based illustration software on secure EquiNet^® (log in required)
   ●  New Desktop illustration software 
   ●  New EZstart™ on EquiNet 
   
   Need more information?
   For information on these changes, please contact your Equitable Life wholesaler. 
   
   
   ^® and ^TM denote trademarks of The Equitable Life Insurance Company of Canada.
10. Do you have clients considering a First Home Savings Account in 2024?

    We want to help clients save money for their first home. A First Home Savings Account (FHSA) is a registered plan allowing prospective first-time homebuyers to save for their first home tax-free up to $8,000 a year or a lifetime contribution limit of $40,000.

    With the Equitable^® FHSA, they can put their money to work right away. Available on Pivotal Select™ Investment Class (75/75) and Pivotal Select Estate Class (75/100) and Daily/Guaranteed Interest Account (DIA/GIA), Equitable offers clients an array of investment products to suit their individual needs and risk tolerance.

    Do not wait. Get clients started today!

    To open a FHSA or DIA/GIA for clients, log in to EZcomplete^®, our highly rated online application tool. It is easy to use, convenient, and fast.  

    For more information on FHSA or DIA/GIA, including a FAQ and client materials, visit EquiNet^® or contact your Director, Investment Sales.   
    
    Date posted: October 16, 2024