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1. Path to Success Module 1
2. 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. 
3. Regulator Reviews of Advisor Business Practices The Financial Services Regulatory Authority of Ontario (FSRA) began targeted life agent examinations in 2021 as part of its Market Conduct: Life and Health Insurance Agent Supervision Framework. In March 2022, FSRA released its industry report which included a summary of the top regulatory violations or business practice gaps identified during those reviews, which included:
   
   ● Agent Disclosure – failure to ensure proper disclosure to clients regarding the insurers that the agent is authorized to represent, conflicts of interest or potential conflicts of interest and agent compensation;
   ● Continuing Education Credits – failure to complete CE credits as required or misrepresentation to the regulator regarding completion;
   ● Failure to complete the Life Insurance Replacement Declaration with clients when replacing an existing insurance policy;
   ● Missing or inadequate financial needs analysis and/or risk assessment (wealth) and insurance needs analysis;
   ● Missing or inadequate Reasons Why Letters for insurance recommendations;
   ● Missing evidence of policy illustrations;
   ● Missing or inadequate AML/ATF programs; and
   ● An overall lack of adequate notes to document client conversations and support recommendations made.  
   
   While these reviews are focused on agents licensed in Ontario, the review findings are helpful for all licensed advisors to ensure your business practices are aligned with regulatory and industry standards.  Following these standards also helps you meet Equitable Life’s Advisor Code of Conduct. FSRA’s full report includes a copy of the Insurance Agent Market Conduct Questionnaire and can be viewed at https://www.fsrao.ca/newsroom/new-life-and-health-agent-supervisory-framework-enhances-consumer-protection.
   
   
    
4. See why choosing EquiLiving Critical Illness Insurance is the right choice for Ayo’s family
   Ayo’s just returned from maternity leave. Her baby David and her husband are the most cherished people in her life. 
   
   But a neighbour’s cancer diagnosis leaves her wondering how she can protect her family if a serious illness were to affect them. 
   
   Learn why Ayo decided EquiLiving^_® Critical Illness insurance was the right choice for her family.
   
   Watch our new Critical Illness with Equitable Life of Canada video to learn more. View on Vimeo or YouTube.
   
   You can use this video to send to clients before or after meetings to help them understand the benefits of Critical Illness Insurance. Check out our prospecting letter, that you can personalize and send to your clients to tell them about Critical Illness Insurance. 
   
   Plus, visit our Critical Illness product page, then click on the Marketing Materials tab for the latest Critical Illness marketing materials.
   
   Need more information? Please contact your local wholesaler.
   
   
   
   View on Vimeo or YouTube.
   
   
    
   
   ^® and ™ denotes trademarks of The Equitable Life Insurance Company of Canada.
5. Roll out the red carpet for a refreshed Term! We are pleased to announce that updates to our Term life insurance solution are now live! We believe that Term life insurance can deliver value to clients at every stage of their life journeys. Be it at renewal or at conversion, Term is a flexible and affordable life insurance solution for clients today and into tomorrow.
   
   On February 3^rd, 2024, we refreshed our Term life insurance solution. Some of the existing and new updates with our Term offering include:
   ●  More targeted, competitive pricing,
   ●  Benefits re-aligned under the KIND™ program,
   ●  Yearly renewals. After the initial term of level premiums, Term life insurance will now renew yearly with premiums gradually increasing each year. This will help clients keep their Term protection longer without large premium increases.
   
   With these updates and more, our Term solution doesn’t just “do the job,” it’s what clients want!
   
   Visit our splash page and watch our informative video to learn more and start selling today!
    
   
   
   
   View our Transition Rules for all the details on processing your applications.
    
   We’ve also updated our illustration tool:
   ● New Desktop illustration software
   
   Want to learn more?
   Contact your Equitable wholesaler anytime!
    
   
   ® or ™ denotes a trademark of The Equitable Life Insurance Company of Canada.
6. NEW – Online courses for CE Credits from Individual Insurance Needing continuing education credits?
   Equitable^® is excited to introduce two new online courses focusing on Universal Life and Critical Illness insurance that provide immediate CE credits upon completion. The courses allow you to learn at your own pace and earn CE Credits quickly and easily. Both courses are accredited by AIC, ICM, the Institute, and La Chambre*.
    
   New courses:
   1) Where UL fits in your product portfolio
   2) Building your business with Critical Illness insurance
    
   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 that you are contracted with.
   ● Password: Equitable
   ● Please use Google Chrome to access the courses.
   
   
   
   Check out our new individual insurance online learning centre on EquiNet^® to stay up to date on new courses and find out more information on the topics provided. While you’re there, don’t forget to take our Path to Success course!
    
   Questions?
   Contact your local wholesaler.
    
   Are you having trouble logging in?
   Email equitablelifemarketing@equitable.ca for assistance.
    
   
    
   *Please select the course with “QC credits” in the title for La Chambre credits.
   ^® or ™ denotes a trademark of The Equitable Life Insurance Company of Canada.
    
7. About
8. A New Universal Life Insurance Solution for the 21st Century – Available NOW! Introducing a new universal life solution built for the 21st century: Equitable Generations™ universal life insurance is available for sale NOW!

   
   Check out our Equitable Generations universal life splash page: www.equitable.ca/ul

    
   Our new Equitable Generations universal life insurance
   Equitable Generations is a universal life product that offers investment options that resonate with today’s 21^st century client while reducing every fee possible. It also reduces the cost of insurance to help clients maximize their opportunity to purchase coverage and build tax-advantaged wealth.
   
   NEW: EZstart^TM Generations
   Today we are launching EZstart Generations which is:
    
   • A mobile-optimized tool for advisors
   • Designed to start a conversation and provide a possible universal life solution in under one minute
   • Goals based - you can see how Equitable Generations™ universal life insurance can perform at different stages of a client’s life.
   Give it a try and use this tool as you are starting the conversation about universal life solutions with clients. EZstart links directly to the EZcomplete® online application for an easy digital experience.
    
   NEW: SMS
   Effective today, September 26, 2022 when you submit an application, you can opt-in to receive text message updates for your new business applications.
   That’s a text message when:
   • The application is received,
   • A decision has been made by Equitable Life,
   • The policy is ready for delivery, and
   • The commissions have been triggered.
   Please note, this number is not monitored for incoming texts. Please contact Customer Service with any questions.
   Learn more
   
   Find all the exciting details on our virtual launch splash page (www.equitable.ca/ul) and watch our informative videos to get all the information you need to start selling Equitable Generations universal life.

   
   Check out our Equitable Generations universal life splash page: www.equitable.ca/ul

   
   Click on the Marketing Materials tab on EquiNet® for all of our new Equitable Generations marketing materials.

   Please contact your Regional Sales Manager for more information. 

    
   ^TM and ® denote trademarks of The Equitable Life Insurance Company of Canada. 
    
    
9. On June 26, 2021 make room for more EDO room Effective June 26, 2021, a term rider added to an Equimax Estate Builder® or Equimax Wealth Accumulator® policy may allow for an increase to the maximum Excelerator Deposit Option (EDO) payment limit.
    
   Your clients who have a temporary insurance need and add a term rider to their Equimax plan may be able to take advantage of the additional exempt room and higher EDO payment limits to build the policy values. Make Equimax® your first choice for your clients’ whole life insurance needs.
    
   Want more information?
   Learn more about the changes and transition rules.
   
   Contact your Regional Sales Manager for more information on these changes and other sales ideas.
    
10. Start a Conversation with EZstart – Now Available for Equimax Wealth Accumulator Looking for an easy way to explain insurance? We have a digital tool to do just that!
     
    Start a Conversation with EZstart™
     
    EZstart helps to commence those initial client conversations. Think of it like a digital brochure: you start a conversation about life goals, enter a few details - and within a few clicks - get a quick quote on your phone or tablet instantly.
    
    We have a NEW EZstart for Equimax Wealth Accumulator® available. Go to the EZstart for Equimax Wealth Accumulator now.
    
    Don’t forget about our other EZstart tools that are available for you. Learn more. 
     
    _{^® and ^TM denote trademarks of The Equitable Life Insurance Company of Canada.}