Site Search
466 results for enter now access MAKEMUR.COM Buying someones immediate bail Texas
-
Cloud DX, Signs Contract with Heart Centre
Our partner, Cloud DX, has signed a 3-year contract with an Ontario hospital to help put patients with congestive heart failure at ease.
Cloud DX’s digital health platform works to improve healthcare delivery, provide better care outcomes, and lessen the burden on our national healthcare system. Now, an Ontario heart centre will use the Cloud DX platform to improve its patient monitoring services.
Cloud DX is a value-added service for Equitable Life’s Critical Illness claimants. Cloud DX delivers clinical grade hardware directly to the client so that they can remotely monitor the client’s vitals to help ensure they stay on the road to recovery*.
To learn more about our partnership with CloudDX, click here or contact your local wholesaler.
Watch our video on YouTube or Vimeo!
*Cloud DX is a non-contractual benefit and may be withdrawn or changed by Equitable Life® at any time. To be eligible for the Cloud DX offering, a claimant must be age 12 or older and have received payment on or after February 12, 2022 for a covered critical condition benefit under an individual critical illness insurance policy issued by Equitable Life. An early detection benefit payment does not qualify. Equitable Life pays for 6 months of Cloud DX subscription fees. If the claimant wishes to continue the Cloud DX service after 6 months, they will be responsible for the cost. The claimant must supply their own device to connect to Cloud DX app– a laptop, tablet or cellphone. As well, the claimant needs to supply their own data or internet service.
® and TM denote trademarks of The Equitable Life Insurance Company of Canada. -
New Dividend Scale Effective July 1, 2023!
Equitable Life’s Board of Directors has approved a change to the dividend scale* for the period July 1, 2023, to June 30, 2024.
- The interest rate we use for the dividend scale will go from 6.05% to 6.25% on July 1, 2023.
- Other factors used to decide the dividend scale will stay the same.
- The interest rate for participating whole life policies with dividends on deposit will stay the same at 2.25%.
- The policy loan interest rate** will go from 6.20% to 6.50% on June 30, 2023
More good news!
Once the next dividend scale year starts, we expect policyholder dividends to be close to $105 million until the end of June 2024.
Learn more
- Advisor Dividend Scale Notice
- Client Dividend Scale Notice
- Dividend Information Page
Did you miss our virtual Spring Update & 2023 Dividend Scale Announcement? Watch it now:
(*The French and Chinese events will be partially in English, with sub-titles on screen).
TOGETHER – Protecting Today – Preparing Tomorrow™
As a MUTUAL we provide financial security DIFFERENTLY by focusing exclusively on our CLIENTS.
*Dividends are not guaranteed and are paid at the sole discretion of the Board of Directors. Dividends may be subject to taxation. Dividends will vary based on the actual investment returns in the Participating Account as well as mortality, expense, lapse, claims experience, taxes, and other experience of the participating block of policies. Changes in the dividend scale do not affect the guaranteed premium, guaranteed cash values, or guaranteed death benefit amount. A copy of Equitable Life’s Dividend Policy and Participating Account Management Policy can be found on our website at www.equitable.ca.
** This applies to all new and active policy loans, including automatic premium loans. This change is for Equimax® policies that have a 9-digit policy number beginning with a “3” or an “8”. Some older policies may have other loan rates as they are based on the prime interest rate. -
Making it easier to claim for Loss of Independent Existence for EquiLiving Critical Illness insuranc
We have recently changed the definition of Loss of Independent Existence (LOIE). As a result, the Critical Illness claim criteria has also changed. Before, EquiLiving® Critical Illness insurance coverage was issued with a definition of LOIE that required clients to have the total inability to do 3 of 6 Activities of Daily Living (ADLs). Now, clients will only need to give us proof of the total inability to do 2 of 6 Activities of Daily Living (ADLs) to submit a claim for LOIE.
This change makes it easier for clients to claim for this covered critical illness. This change is retroactive to February 2022.
Clients will be sent a notice from us with a personalized endorsement from Equitable Life. This applies to their policy and forms part of their contract. We will approve claims for LOIE as outlined in the endorsement.
LOIE is one of the 26 conditions named as a covered critical illness in an EquiLiving policy or Critical Illness insurance rider on an Equitable Life insurance policy. With a loss of independent existence, some activities of daily living can no longer be done on one’s own. This can happen because of a disease or an injury.
Want to learn more? See the marketing piece: Understanding the Covered Conditions (1248).
For more information, reach out to your local wholesaler.
® denotes a trademark of The Equitable Life Insurance Company of Canada. -
How to talk to clients about CI when they don’t want to
Does this sound familiar?
You’re having a chat with your client about Critical Illness insurance. They suddenly interject: “Critical illness insurance isn’t for me.”
“Why is that?” you ask.
“Because….
- Critical Illness insurance is expensive!
- I don’t understand what it covers exactly.
- I have money to cover me if I get sick, so I don’t need this.
- I’m healthy enough.
- It’s not life insurance, so I don’t need it right now.
- I already have disability coverage through my work.”
If you’ve heard any of these responses, and didn’t know how to respond, we can help.
Our Path to Success program covers all these objections and more with simple-to-follow PDFs and videos. You’ll learn conversation strategies and tips on how to navigate the sale. Most importantly, you’ll know exactly what to say the next time a client objects to Critical Illness insurance.
Want to learn more? Check out our CI Path to Success modules here!
Need CE credits? Take our Path to Success program here. -
Equitable 2024 dividend scale!
Equitable’s Board of Directors has approved a new dividend scale for the period of July 1, 2024, to June 30, 2025.
● The interest rate* we use for the dividend scale will change. It will go from 6.25% to 6.40% on July 1, 2024.
● Other factors used to decide the dividend scale will remain the same.
● The interest rate for policies with dividends on deposit will change. It will go from 2.25% to 3.50% on July 1, 2024.
● The interest rate for most policy loans will remain at 6.50%. This applies to both new and existing policy loans, and automatic premium loans. It specifically applies to Equimax® policies with a 9-digit policy number that starts with either "3" or "8". Older policies may have different loan rates as they are based on the prime interest rate.
Learn more:
● 2024 Advisor Dividend Scale Notice
● 2024 Client Dividend Scale Notice
● Dividend Information Page
Did you miss our Spring update & 2024 Dividend Scale announcement? Watch it now:
(*The French and Chinese events will be partially in English, with sub-titles on screen).
*The dividend scale interest rate (DSIR) is different from the participating account (PAR) rate of return. The PAR rate of return is the return on the investments in the participating account over the calendar year. The DSIR smooths out the ups and downs of the participating account experience. -
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 -
Things keep getting EZer with Equitable and EZtransact!
Equitable® continues to make great strides with our digital self-serve tool, EZtransact®. To keep this momentum, we’ve given EZtransact a fresh new look and feel, with additional transaction management changes and a new dashboard to enhance your online transaction experience! This refresh embraces our new brand, as we continue to focus on making it easier for you to do business with us.
What’s new with this update?
New dashboard for client search- The existing client search screen has been replaced with a new user-friendly dashboard.
- Upon accessing EZtransact, all contracts associated with the user’s EquiNet ID will be displayed.
- Users can refine the results and search by client name or contract number.
- Transactions submitted through EZtransact within the last 12 months are available, including their status.
- Transactions that have received all signatures will now allow the user to download a copy of the signed request and any supporting documents uploaded by the user.
- Transactions that are pending client signatures will allow the user to manage and track the e-signature process:
- Signing packages can be resent to clients who have not completed their e-signature.
- Clients can be unlocked through the dashboard if locked out due to too many invalid attempts.
- Advisor and dealer/MGA stakeholders have been removed from signing information and review screens.
- Users are no longer required to provide an email address for the dealer/MGA to submit a transaction.
Date published: October 3, 2024 -
New! Evidence of Insurability Schedule
We are pleased to announce Equitable’s new Evidence of Insurability Schedule. The new schedule applies to all life and critical illness insurance applications signed on or after October 5, 2024.
Here are the benefits to you:
● New chart is easier to read with more clarity and transparency.
● ECG and TST are no longer routinely required for Life applicants.
● Blood and urine requirement is streamlined for Life applicants.
● Detailed underwriting requirements for higher coverage amounts and mature applicants.
Please refer to the new Evidence of Insurability schedule (Form #1343) for full details.
Equitable® has the right to ask for more evidence of insurability. We will do this if we feel it is needed to assess the risk.
Key changes – Age and amount requirements
Life applicants:
● Resting ECG: No longer a routine age and amount requirement. This may still be requested at our underwriter’s discretion.
● Treadmill ECG: No longer required at any age or amount.
● Standalone Urine: Standalone urine changed to blood and urine at $100,001 and $500,000 coverage amounts for clients over age 55.
● Mature Age Focus Interview (MAFI): New for clients aged 75+. As part of the paramedical, we will assess the applicant’s Activities of Daily Living, social activities, and word recall ability.
Life and Critical Illness applicants:
● For clients aged 70+, evidence is now valid (recent) if completed within the past 6 months. For all other applicants (ages 18-69), there is no change – evidence is valid if completed within the past 12 months.
Financial/Third-party verification
Reminder – this is required for life insurance amounts over $5M. Our underwriting team will be pleased to assist you with this step.
Questions? Please contact your Equitable wholesaler or reach out to our underwriting team.
® or TM denotes a trademark of the Equitable Life Insurance Company of Canada. -
Secure your GIA with Equitable today!
In uncertain times, a Guaranteed Interest Account (GIA) is a safe and stable investment opportunity. Now is a great time to consider a GIA with Equitable®.
Equitable offers:
• market leading interest rates1, with higher rates for larger deposits;
• many account types, including the First Home Savings Account; and
• options to invest up to age 952.
“GIAs offer a number of benefits for investors, especially in times of market volatility.” said Cam Crosbie, Executive Vice President, Savings & Retirement. Equitable. “In uncertain times, let your investments be certain. Choose GIAs for guaranteed peace of mind and predictable returns, along with estate planning benefits, and potential creditor protection.”
GIAs are simple fixed-income investments that add value to a portfolio. Equitable GIAs provide competitive interest rates and protection from market volatility. For more information visit EquiNet® and don’t forget to register for our interest rate change alert email.
For more information or assistance, please contact your Director, Investment Sales.
1 Equitable has made every effort to ensure accuracy of competitive information. Accuracy is not guaranteed.
2 Some available term lengths may be limited starting at age 90.
Date posted: May 14, 2025