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  1. Product Enhancements - Critical Illness Equitable Life has exciting product enhancements that will help you offer more options to clients. 

    Access our Virtual Product Launch NOW. Grab a coffee and get ready for this exciting news! Hear from our leaders and learn about our exciting product enhancements.

    NEW! EquiLiving plans and riders enhanced 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)
    • EquiLiving Benefit now pays the higher of the EquiLiving Benefit or the Return of Premium Rider Benefit (not including Return of Premium on Death)
    • And so much more …
    New Illustration software available on February 11, 2022 
    The updated illustration software will be available for download after 9 a.m. ET on Friday, February 11, 2022, and will include all the Equimax and EquiLiving enhancements.

    See the Equitable Sales Illustrations Update for information on how to download the software or check for updates. 

    Please review updates to the commission schedule A for these new enhancements.

    Learn more Get ready to make 2022 your best year yet for your sales! 

    Please contact your Regional Sales Manager for more information. 
  2. Taking the guess work out of market volatility with Equitable Life

     

    Investing during market highs and market lows can leave even the most seasoned investors scratching their heads. Knowing when to buy and when to sell is not easy, but disciplined investing can be.

    Dollar cost averaging with Equitable Life® is designed to provide a long-term investment solution. This strategy helps take the guesswork out of knowing when to get into the market. It can also provide consistency for a long-term financial plan regardless of whether there is a lot or a little to invest.
     
    And for a limited time only, we’ve increased the initial commission for the CB5 sales option from 5.6% to 7.0% on Pivotal Select™ segregated funds*, effective from May 20 to August 31, 2022.** During this time, advisors earn the increased full initial commission even if funds are placed into Equitable Life Money Market Fund to start the PAC.
     
    For more information on dollar cost averaging, please contact your Equitable Life Regional Investment Sales Manager.

     

     
     
    * Applies to FundSERV trades occurring between May 20 and August 31, 2022. Initial commission on non-FundSERV trades occurring between May 20 to August 31, 2022 increases from 4% to 5%. Initial commission is subject to a chargeback.
    ** Equitable Life reserves the right to end the campaign at any time and without notice.
     
    ™or ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
     
     
  3. Saving time with our fully digital group benefits application On May 1, 2023, we are launching Equitable BenefitsApply™, our fully digital group benefits application.
     
    This enhancement to the benefits application process will help both you and your clients save time when applying for an Equitable Life group benefits policy. We designed and developed BenefitsApply with input and feedback from several advisors and clients, who tested the tool for themselves.
     
    In most cases, BenefitsApply will replace our traditional paper implementation process.*
     
    BenefitsApply eliminates the need for clients to complete and sign multiple, lengthy paper forms. Time-saving features for you and your clients include:
    • A fully digital online application that you can access wherever and whenever you need it,
    • Pre-filled standard fields,
    • Only one signature required from plan sponsors,
    • A smart application that only includes the sections relevant to the client and the plan design they have chosen, and
    • Automatic notifications of any missing fields. 
    Your Client Relationship Specialist is available to support you, provide a demo and provide training on how to use BenefitsApply.
     
    We will continue improving BenefitsApply’s features based on feedback from the people who use it—you and your clients. We encourage you to share any feedback you have with your Group Account Executive or your Client Relationship Specialist.
     
    *BenefitsApply is currently available for groups with up to four divisions and up to four classes. It is not available for myFlex Benefits plans, or for clients with a customized master application.
  4. Join us for an Equitable Life Master Class webcast featuring Daryl Diamond, Dynamic Funds

    Building Your Business in the Retirement Income Market featuring Daryl Diamond, Chief Retirement Income Strategist, Dynamic Funds 

    You’re invited to our next Equitable Life Master Class webcast offering compelling topics and unique ideas from leading experts to help you manage and grow your business. 

    Daryl Diamond is an author, educator and sought-after speaker on how clients can achieve the greatest security and satisfaction during the retirement years. 


    In this Master Class, Daryl Diamond will discuss how the last four years have been extremely challenging for retirees, pre-retirees and for the advisors who service them. He will focus on key aspects of retirement income planning from the perspective of: 

    • delivering and sustaining tax-efficient income, 

    • managing high inflation, 

    • investing in volatile markets, and 

    • navigating high interest rates. 


    Learn more


    Posted October 11, 2023

    Continuing Education Credits 

    This webinar has been submitted for continuing education (CE) approval with the Insurance Council of Manitoba and Alberta Insurance Council for all provinces excluding Quebec. Upon approval, you will be sent an email notification to come back to the webinar presentation console to download your personalized certificate from the tool bar. To be eligible for CE credits, you must register individually, watch the webcast in full and complete a short quiz. This webcast is available in English only. 



    ® denote a registered trademark of The Equitable Life Insurance Company of Canada
  5. Sofie wants to provide for her children long after she’s gone with Equitable Generations Universal L Sofie knows the future is uncertain. As a mom of two children and in her late forties, Sofie wants to continue to help her kids with their life goals as they get older.

    She learns that Universal Life insurance from Equitable® is a great fit for her. It has investment options, choices of death benefit and even flexibility on how she pays for her premiums. With the investment option, she can earn tax-advantaged growth*.

    Watch our new Universal Life Insurance from Equitable video to learn more. See it on Vimeo  

    This video can help you talk with clients about Universal Life insurance. It walks them through what it is, how it works, and the affordability and flexibility it features. It highlights just how Universal Life from Equitable is an insurance solution truly designed to meet the needs of clients today and into tomorrow.

    Not sure where to start? Send clients this draft prospecting letter which you can personalize specifically for them.

    Plus, check out our Universal Life solution page on EquiNet®, then click on the Marketing Materials tab for the latest Universal Life Marketing Materials.

    Want to learn more? Ask your Equitable wholesaler!



    View on Vimeo 




    *Subject to the Income Tax Act 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.

    get-started-sm-(1).png

    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. 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: 
    English-Button.jpeg French-Button.png Chinese-Button.png
    (*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.
  8. Summer is here and so is our new 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: 
    English-Button.jpeg French-Button.png Chinese-Button.png
    (*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.
  9. Build more meaningful connections with help from Equitable and Franklin Templeton Academy

    Equitable® Savings & Retirement and Franklin Templeton Academy have teamed up with two On-Demand webcasts that can easily fit into any summer schedule.

    Reaction to Reason
    Emotional intelligence is the capacity to be aware of, control, and express one's emotions, and to handle interpersonal relationships judiciously and empathetically.

    Jenn Louth, Senior Learning Consultant, will discuss how advisors can incorporate emotional intelligence into their practice to foster deeper client relationships.  

    Register to watch


    The Intergenerational Divide
    It’s critical to develop meaningful relationships with valued clients’ families, loved ones, and heirs.

    Presented by Jocelyn Duncan, Learning Consultant, this session is designed to help you build a bridge with the next generation and equip you with tools and resources.

    Register to watch

    Join your host, Joseph Trozzo, Investment Sales Vice President, Equitable, along with the Franklin Templeton Academy this summer to learn how you can foster deeper client relationships and more meaningful connection in your practice.

    Continuing Education Credits
    These webcasts have been accredited for 1 Life continuing education (CE) credit with the Insurance Council of Manitoba and Alberta Insurance Council for all provinces excluding Quebec. To be eligible for CE credits, you must register individually, watch the webcast in full and complete a short quiz. These webcasts are available in English only.

    Date posted: July 17, 2024