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  1. 5 Things You Need to Know About Equitable Generations Universal Life

    Here are five things you need to know about Equitable Generations™ Universal Life

    1. Affordability

    Because Equitable Life is owned by its policyholders, we don’t have to worry about paying shareholders. That means we can focus on offering competitive pricing!

    2. Investments

    Equitable Generations Universal Life is built for the 21st century with investment options that matter to today’s buyer including Target date, Environmental, Social, and Governance (ESG) funds for sustainable investing.

    3. Fees

    Equitable Generations has eliminated most universal life fund administration fees as well as the policy administration fee.

    4. KIND™

    Equitable Generations has a suite of contractual and non-contractual claims features we call KIND, designed to help your family navigate the claims process with ease.

    5. Flexibility

    With such competitive pricing, fantastic investment options and minimal fees. Equitable Generations Universal Life provides a level of flexibility rarely seen in the Universal Life space.


     

    See Equitable Generations Universal Life for yourself within one minute - try the EZStart quick quote software for advisors, available on EquiNet!

    Please contact your local wholesaler for more information. 

    TM and ® denote trademarks of The Equitable Life Insurance Company of Canada. 

  2. What you should know about Equitable Generations Universal Life

    Here are five things you need to know about Equitable Generations™ Universal Life

    1. Affordability

    Because Equitable Life is owned by its policyholders, we don’t have to worry about paying shareholders. That means we can focus on offering competitive pricing!

    2. Investments

    Equitable Generations Universal Life is built for the 21st century with investment options that matter to today’s buyer including Target date, Environmental, Social, and Governance (ESG) funds for sustainable investing.

    3. Fees

    Equitable Generations has eliminated most universal life fund administration fees as well as the policy administration fee.

    4. KIND™

    Equitable Generations has a suite of contractual and non-contractual claims features we call KIND, designed to help your family navigate the claims process with ease.

    5. Flexibility

    With such competitive pricing, fantastic investment options and minimal fees. Equitable Generations Universal Life provides a level of flexibility rarely seen in the Universal Life space.

    View our video on Vimeo or YouTube!

    See Equitable Generations Universal Life for yourself within one minute - try the EZStart quick quote software for advisors, available on EquiNet!

    Please contact your local wholesaler for more information. 



    TM and ® denote trademarks of The Equitable Life Insurance Company of Canada. 

     

  3. Why tax refunds aren't always good It’s important for advisors to help clients understand their finances. Many people think getting a tax refund is good, but that's not always true. Here are some reasons why.

    1. Overpaying Taxes
    A refund on a tax return means the client paid too much in taxes during the year. This is like giving the government an interest-free loan. Instead, clients could use that money each month for savings or investments.

    2. Missed Investment Chances
    When clients overpay taxes, they miss chances to invest that money. It could have been earning interest or growing in value instead of sitting with the government.

    3. Poor Financial Planning
    A big tax refund can show poor financial planning. It's better if clients break even, meaning they don't owe much and don't get a big return. This shows their tax withholdings are accurate.

    4. False Sense of Security
    A large tax refund can make clients feel falsely secure. They might spend it quickly instead of saving or investing it wisely.

    5. Financial Hardship
    Overpaying taxes can make it hard for clients to manage their money during the year. They might struggle with monthly expenses or saving for emergencies.

    Advisors should teach clients about the downsides of tax refunds. By adjusting their withholdings, clients can manage their money better and take advantage of investment opportunities. Aim for a balanced tax situation to improve financial health.

    Help clients make the most of their investment opportunities this tax season. For more information, contact your Director, Investment Sales.

    Date posted: March 20, 2025
  4. 5 topics to discuss with large case clients Are you working with high-net-worth business owner clients? It’s important to ask the right questions to get them interested in learning how corporate-owned life insurance might benefit their situation.

    Here are a few suggestions from our large case team:
    1.     Capital Dividend Account: Are you taking full advantage of your company’s Capital Dividend Account for your family?
    2.     Cash flow and surplus: Do you have surplus cash or cash flow in your corporation? Why is it there? If it is for tax deferral, would you like to make some or all of that deferral permanent?
    3.     Legacy: What do you want to happen to your business when you’re no longer there? How much of what you have built do you want to preserve for your family? How much will be preserved?
    4.     Shareholder’s agreement: Do you have a shareholder’s agreement? How is it funded? Does it deal with triggering events like death, disability, and retirement?
    5.     Worse-case scenarios: If you were not able to show up at your business for 3 months, and no one expected it, what would happen? What would creditors, customers, suppliers, and employees do?

    Visit our large case webpage and watch Ask our Experts to learn more about the importance of careful planning when it comes to corporate policy ownership.
     
  5. Clients could win $8,000 with an Equitable Life FHSA!


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    The Equitable Life® First Home Savings Account (FHSA) is available!  


    Offered on Pivotal Select™ Investment Class (75/75) and Pivotal Select Estate Class (75/100), this is a great opportunity to help clients achieve their dream of home ownership. 


    Clients who open a FHSA between September 11 and December 31, 2023, have a chance to win $8,000 towards their 2024 FHSA contribution.  And the advisor wins $2,000!   


    Help make a client’s dream of homeownership a reality, starting today!   


    To open a FHSA for clients, log into EZcomplete, our highly rated online application tool. It is easy to use, convenient, and fast.  


    For more information on FHSA, including an FAQ and client materials, visit EquiNet or contact your Regional Investment Sales Manager.  

     


    ® and ™ denotes a trademark of The Equitable Life Insurance Company of Canada. 

    Equitable Life FHSA Contest: No purchase necessary. Contest period September 11 to December 31, 2023.  Enter by making a deposit to an Equitable Life FHSA during the contest period or by submitting a no-purchase entry. One prize for a total value of $8,000 CAD to be drawn on January 16, 2024, will be awarded. The servicing advisor for the policy to which the selected entrant made the deposit is also an eligible winner will receive a $2,000 CAD prize. For example, if an Equitable Life client is a winner of the $8,000 prize, the client’s servicing advisor wins a $2,000 prize.  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. 

    Posted September 11, 2023

  6. [pdf] WL Annuity Child's 20 Pay
  7. [pdf] 10 Pay Equimax Estate Builder Enhanced
  8. [pdf] WL & Annuity - Child's 10 Pay
  9. New Year, New Opportunities—Explore Equitable’s Competitive Term Life Solution The new year brings new opportunities to help clients feel confident about their financial future. Equitable’s term rates are among the best on LifeGuide in key markets*, combined with our flexibility and support, making us a great choice for clients. Run an illustration now!

    Why choose Equitable for term life insurance?

    • Great rates – we’ve recently repriced! On average, we reduced our monthly term rates by 5%. Check out our great term rates for yourself.  Tip! For best term rates, choose monthly premiums.
    • Flexibility to change the term plan** – life is always changing, and so do life insurance needs. Offer clients the flexibility to:
         • Exchange term plans: from Term 10 to Term 20 or Term 30/65. They can also exchange from Term 20 to Term 30/65.
         • Convert to permanent coverage: Offer clients the security of changing their term plan to any of our permanent plans without underwriting.
    • Partial term conversion with term rider carryover: Convert part of the term coverage into permanent protection and carry over the remaining coverage as any term rider plan.
    • Extra support when it matters most – our KIND® program offers a suite of benefits for clients and their families. This reflects our deep commitment to standing by them when it matters most. 




    Build client relationships with trusted protection
    This year, and every year, strengthen your client relationships by choosing Equitable for term life protection. With our flexible solutions, innovative features, and unwavering support, you can help clients move forward with confidence.

    Start the year off by helping clients meet their insurance needs with a term plan.

    Run a quote today!

    Contact your Equitable wholesaler today to learn more!

     *Effective November 22, 2025. Our monthly term rates are ranked among the best on LifeGuide when compared against top carriers in key markets. 
    ** Administrative rules and age limits apply to exchanges and conversions. Please see the policy for details. The policy governs in all cases.
     
  10. Individual Insurance