Site Search
756 results for form to restart a pac on insurance
-
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.
-
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
3. Harness the Power of Whole Life Cash Value
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. -
New online course available
Boost your knowledge and earn CE Credits
Looking to deepen your understanding of Universal Life insurance and get a new CE Credit?
Equitable is excited to offer a new addition to our online learning center: The mechanics of Universal Life. Whether you are new to the concept or looking to refresh your expertise, this course will help provide the knowledge you need to start conversations with clients.
Our CE credit courses allow you to learn at your own pace and earn CE credits quickly and easily.
Available Courses:
• The mechanics of Universal Life *NEW*
• Introduction to Whole Life Insurance
• Participating Whole Life for the Children’s Market – A head start for tomorrow
• Path to Success - Expert Advice on Navigating CI Sales
• Ensuring a Compliant, Needs-based Insurance Sale
• Where UL Fits in your product portfolio
• Building your business with Critical Illness insurance
• Harness the Power of Whole Life Cash Value
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
You can earn CE credits right away when you complete these courses.
Start earning CE Credits!
Check out the individual insurance online learning centre on EquiNet to stay up to date on new 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*.
Questions?
Contact your local wholesaler.
Are you having trouble logging in?
Email equitableiimarketing@equitable.ca for assistance. -
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.
-
Critical Illness Insurance Update
Path to Success CI program
This program was designed with you, the Advisor, in mind. It gives you ideas and scripts that you can use in your conversations with clients about Critical Illness. Catch a sneak preview below!
The three realities of health care are:
- Incidence of being diagnosed with a critical illness is exceptionally high
- No one is immune
- Survival with consequence; even if one survives a critical illness, the financial and emotional consequences are significant
Want to know more?
Visit the Critical Illness Path to Success page on EquiNet
Earn CE credits through the Path to Success program!
What’s new with CI?
If you missed some of our updates, check them out below!- June was Brain Injury awareness month… Check out some of our posts on our social media channels! LinkedIn | Facebook | Twitter | Instagram
- EZcomplete now automatically displays Critical Illness insurance premiums
- Cloud DX signs contract with Heart Centre
For more information, reach out to your local wholesaler. -
Text Notifications keep you informed in real time on your Equitable individual insurance business
Our text notification program that we launched a year ago has been very successful. Thousands of tech-savvy advisors like yourself are currently taking advantage of text message updates on their Equitable new business application status.
Approximately 70% of new Equitable insurance applications submitted are choosing to receive real-time status updates via text notifications.
Not using Text Notifications yet?
To opt-in, next time you submit an online insurance application, simply check 'Yes' on the Advisor Report when asked “Would you like to receive text notifications (SMS) regarding this application?” You can opt-out at anytime by texting "Stop."
Questions? Contact your wholesaler for more information. - [pdf] Pivotal Select Product at a Glance
- [pdf] Equitable's Competitive Advantage
- Path to Success Module 1
-
Our Critical Illness Insurance Path to Success Program
Our Critical Illness Insurance Path to Success program was designed with you, the Advisor, in mind.
Path to Success: Expert Advice on navigating CI Sales provides you with actionable ideas and scripts that you can implement immediately into your critical illness insurance meetings. CE Credits are available if you review the program in its entirety and complete the quizzes at the end of each section.
Learn more about the CI Path to Success Program
Next steps:
If you have any questions or are interested in getting access to this program, please reach out to your Regional Sales Manager directly.
Enhancements to our Critical Illness Insurance product EquiLiving®
The timing couldn’t be better for connecting with your Regional Sales Manager to gain access to this program, as we have made recent enhancements to our Critical Illness product that will help you offer more options to clients. We’ve enhanced our EquiLiving plans and riders with:
• 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)
• Adult Covered Conditions definitions updated to 2018 CLHIA definitions
• Increased the number of Early Detection Benefit covered conditions from 4 to 8
• And so much more …
Contact your Regional Sales Manager to get set up in the program and learn about other CE accredited presentations happening each week.