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  1. Equitable's Fresh Outlook DIA/GIA Contest

     

    CONGRATULATIONS to Immaculata A., Manitoba. Winner of the PRIZE of $1000.
     

    The contest is now over. Thank you to those who participated. 

     

     

    Win with Equitable’s Fresh Outlook DIA/GIA Contest 

    August 1 to October 31, 2024 

     

    ® or TM denotes a registered trademark of The Equitable Life Insurance Company of Canada.
    Fresh Outlook DIA/GIA Contest: No purchase necessary. Contest period is August 1, 2024 to October 31, 2024. One (1) prize to be awarded for a total value of $1,000 CAD. Correct answer to mathematical skill-testing question required to win. Open to legal residents of Canada of the age of majority. Odds of winning depend on number of eligible Entries received during the Contest Period. For full contest rules, including no-purchase method of entry, see full contest rules.

  2. [pdf] Tax and estate planners' guide to corporate life insurance
  3. About
  4. Elite Advisor Program

    At Equitable®, we believe that when we grow together, success is mutual. Our Elite Advisor Program recognizes our top investment advisors and provides unique benefits to support your business.

    This year, we have enhanced our Program to offer more valuable resources and opportunities to help you thrive.

    • Marketing and event support, and
    • invitations to our Business/Advisor Practice Support conferences for Platinum and Diamond production levels.




    While maintaining great benefits like:
    • Increased bonus rate on our Step Up Your Wealth Sales Program for Elite Advisor re-qualifiers1.
    • Enhanced services including access to a priority phone line and a dedicated inside sale representative.

    You can check out all the details here.

    If you have any questions, you can reach your Director, Investment Sales.

     
    1Elite Advisor re-qualifiers are advisors who attained Elite Advisor status in2024 and 2025.
    Equitable reserves the right to end or alter the Elite Advisor Program and/or the Step Up Your Wealth sales campaign at any time and without notice.
    ® or TM denotes a trademark of The Equitable Life Insurance Company of Canada
  5. Will Equitable Life sponsor an advisor?
  6. Life insurance check-ins matter

    Life can change

    As an advisor, you know clients' lives—and their insurance needs—can change over time. Checking in with clients doesn’t have to be complicated. Even a quick insurance mention during regular financial discussions, like upcoming RRSP reviews, could reveal gaps and make sure their coverage still matches their situation.

    Did you know?
    • Over 50% of Canadian life insurance clients haven’t reviewed their coverage in the last two years.1
    • Clients who have annual reviews with their advisor report greater satisfaction with both their policy and the service they receive.2

    If you haven’t spoken with some of your clients lately, scheduling a quick life insurance review can help them feel more supported. It can also help strengthen your client relationships and help you grow your business.


    1 LIMRA Canadian Life Insurance Consumer Study, 2024.
    2 LIMRA Insurance Engagement Report, 2025.
     
  7. Congratulations on qualifying as an Elite Advisor
  8. Equitable Life Group Benefits Bulletin - Group Advisor Bonus Enhancement Announcing our Enhanced Group Advisor Bonus Program
     
    We have enhanced our Group Advisor Bonus program to make it more competitive and to help support you in building your business with Equitable Life in 2022. We have updated the structure of the bonus program to make it easier for you to qualify, as well as increased the amounts we pay.
     
    Beginning for sales effective in 2022 we have:
    • Decreased the minimum premium required to qualify for the Sales Bonus to $35,000 from $150,000.
    • Moved away from using Graded Annualized Premium for both the Sales and Persistency Bonus and are using actual Annualized Premium instead, up to a maximum of $500,000 per policy. This simplifies the program and aligns us with the rest of the industry.
    • Increased the Sales Bonus payout to up to 5% of Annualized Premium for Traditional Sales and up to 3% of Annualized Premium for myFlex sales. 
    • Changed the minimum annual premium threshold for the Persistency bonus to $500,000 of capped Annualized Premium from $500,000 of Graded Annualized Premium to make it easier for you to qualify.
    Premiums associated with benefits on retention accounting or Administrative Services Only (ASO), Equitable HealthConnector® services, Group Critical Illness and Health Care Spending Accounts will no longer be counted towards the Sales Bonus.
     
    These enhancements do not apply to advisors who are not part of our standard Advisor Bonus program and who have special bonus arrangements in place. If you have a special bonus arrangement in place and would like to switch to the standard program, please contact your Group Account Executive or myFlex Sales Manager.
     
    Below is a table comparing the current Sales Bonus structure and payout. For full details, please refer to the Group Advisor Compensation and Recognition brochure.
     
    Enhanced Sales Bonus
    For the new Sales Bonus, the Payout Band is based on total combined Traditional and myFlex Benefits new annualized premium (capped at $500,000 per policy). The Sales Bonus Rates for both Traditional sales and myFlex sales are shown in the table below:
     
    New Sales Bonus Rates
    Payout Band Capped Annualized Premium* Sales Bonus Rate
    (from first dollar)
    Traditional Sales myFlex Sales
    1 $34,999 and under 0% 0%
    2 $35,000 to $99,999 3.5% 1.5%
    3 $100,000 and over 5% 3%
    *Total Traditional and myFlex new business sales combined, capped at $500,000 per policy.
     
     
     
     
     
     
     
     
     
     
     
     
     
     
     
     
    If you have any questions about the Advisor Bonus enhancements, please contact your Group Account Executive or myFlex Sales Manager.
     
  9. NEW MARKETING MATERIAL! Equimax Participating Whole Life, Strong and Stable Dividends Participating whole life policyholders can get some of the participating account earnings back as dividends.1

    Dividend scales change over time. This new marketing piece shows how the actual values of policies look like against those that were estimated. It looks at two sample policies and compares them to the original sales illustrations. One example shows an Equimax Estate Builder® policy. The other example shows an Equimax® Wealth Accumulator® policy.

    We are proud of our strong and stable dividend results. We have paid dividends to our participating policyholders every year since 1936. And we’re still going strong!

    We want to make sure that we can continue to provide long-term income and growth to support the dividend scale and meet the product guarantees. We do this with constant focus on how we invest and manage risk to support the participating account.

    As a mutual life insurance company, we are owned by our policyholders who count on us and our services. Their trust in our knowledge, experience, and financial strength helps us keep our commitments to them—now and in the future.

    Dividend scales may change.2 But with a balanced approach, Equitable Life’s Equimax® Participating Whole Life continues to deliver excellent value. It gives guaranteed life insurance protection with the potential for earnings.

    Want to learn more? Check out our new marketing piece: Equimax Participating Whole Life, Strong and Stable Dividends (2075).

    For more information, reach out to your local wholesaler.
     
     

    ® and TM denote trademarks of The Equitable Life Insurance Company of Canada.
    1 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, expenses, lapse, claims experience, taxes, and other experience of the participating block of policies.
    2 If low interest rates continue, investment returns will be lower, and this may mean decreases in the dividend scale in the future. Dividend payments are not guaranteed, but they will never be negative.
  10. Announcing Equitable Life's National Biosimilar Program Beginning March 1, 2024, we are expanding our biosimilar switch program nationally** to protect all our clients and to make our coverage consistent across Canada.

    Our national biosimilar initiative will simplify drug plan coverage, replacing our provincial programs with one program across the country.
     

    Why now?

    Over the past few years, most provinces have introduced policies to delist some originator biologic drugs. They require most patients to switch to biosimilar versions of those drugs to be eligible for coverage under their public drug plans. Soon, it is expected that all provincial drug plans will cover only biosimilars.

    In response, we have implemented biosimilar switch initiatives in BC, Alberta, Saskatchewan, Ontario, Quebec, New Brunswick and Nova Scotia to align with these provincial changes. Our initiatives are designed to protect our clients from additional drug costs that may result from these government policies while providing access to equally safe and effective lower cost biosimilars.
     

    How will this affect clients’ drug plans?

    Because we have already introduced biosimilar switch initiatives in most provinces, the impact of this change will be minimal. It will primarily affect plan members in provinces or territories where we haven’t already required the switch to biosimilars, and plan members who are taking biosimilars that were not originally included in the switch initiative for their province. 

    Regardless of where they live, plan members across Canada will no longer be eligible for most originator biologic drugs if they have a condition for which Health Canada has approved a lower cost biosimilar version of the drug. Plan members already taking the originator biologic will be required to switch to a biosimilar version of the drug to maintain coverage under their Equitable plan. We will support their transition with education, personalized communication, and resources.
     

    Will this change affect clients' rates?

    Any cost savings associated with the change will be factored in at renewal.


    What is the difference between biologics and biosimilars?

    Biologics are drugs that are engineered using living organisms like yeast and bacteria. The first version of a biologic developed is known as the “originator” biologic. Biosimilars are highly similar to the drugs they are based on, and Health Canada considers them to be equally safe and effective for approved conditions.
     

    Advance notice

    We will be communicating with affected claimants in early December to allow them ample time to change their prescription and avoid any interruptions in their treatment or their coverage. 

    If you have any questions about this change, please contact your Group Account Executive or myFlex Account Executive.


    **Excludes plan members in Quebec who participate in a separate provincial program.