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Kickoff to 2023 with Equitable Life and Robert Gignac
Equitable Life® is pleased to present Robert Gignac, author of the book ““Rich is a State of Mind”. Robert will deliver his new “Stop Playing Chess in a PokerStars World” presentation. Robert’s engaging presentation offers examples of what clients (and prospects) are struggling with today and how advisors can take a leadership role by changing from a one-dimensional game (chess) to a multi-dimensional one (poker).
Your hosts, Cam Crosbie, Vice President, Savings & Retirement and Joseph Trozzo, Investment Sales Vice President, MGA, will highlight some of the ways Equitable Life can help make 2023 a great year.
Learn More
Posted: December 23, 2022
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
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2023 is here and we are here for you!
Equitable Life® would like to wish everyone a Happy New Year and we are looking forward to doing more business together in 2023!
Just a reminder, we made some changes in 2022 to make doing business with Equitable Life easier. Some of the most recent enhancements include:
Opt in for text messages on new applications
● Upon submission of 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, when a decision is made, when it’s ready for delivery and when the commissions have been triggered.
Cloning pages on EZcomplete®
● You now have the ability to clone an application on EZcomplete. A whole family or a spouse can have a lot of duplicate information and the ability to clone an application can save tremendous amounts of time and make for a much more pleasant client experience.
Jump around on EZcomplete
● Jump from one part of the application to another and back again. You no longer have to complete the application one section after another in order. This will allow a lot more flexibility when submitting a policy application.
To learn more about these great enhancements contact your local wholesaler.
Continue watching for news from Equitable Life for more great launches and enhancements in 2023!
® and TM denote trademarks of The Equitable Life Insurance Company of Canada.
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Colaiacovo to lead Equitable’s Eastern Group Sales Team
We are pleased to announce that Sofia Colaiacovo has been appointed our new Group Sales Vice President, Eastern Canada.
In her role, Colaiacovo will lead the Eastern sales team. She will focus on working with distribution partners to grow our business together while continuing to provide clients and their plan members with a better benefits experience.
Colaiacovo brings to her role 18 years of experience with Equitable Life, building strong distribution partnerships and delivering exceptional client service.
She joined Equitable Life in 2005 and has held roles of increasing responsibility in our Group distribution organization.
Since 2011, she has served as our Group Account Executive for the Ottawa territory. In that role, she quadrupled the size of our client base in the region and established strong and lasting relationships with key distribution partners. She was recognized as Equitable Life’s Group Account Executive of the Year three consecutive times – in 2019, 2020 and 2021.
“Sofia will further strengthen our Group Leadership Team and reinforce our ongoing commitment to building enduring distribution partnerships and delivering great service,” says Marc Avaria, Equitable Life’s Senior Vice-President, Group.
“Sofia’s success has come from taking the time to understand the needs of her partner advisors and their clients,” he adds. “By asking the right questions and listening, she has been able to provide valuable and practical solutions to meet their needs.”
Colaiacovo graduated from Carleton University with a Degree in Psychology. She holds the Group Benefits Associate (GBA) designation through the International Foundation of Employee Benefits Plans. -
Equitable Life webcast series presents Mackenzie Investments featuring Arup Datta
Arup will discuss Equitable Life® Mackenzie Emerging Markets Fund Select along with the fund's people, philosophy, process and performance.
Join your host, Cam Crosbie, Vice President, Savings and Retirement, and Arup Datta, MBA, CFA, Senior Vice President, Head of the Global Quantitative Equity Team for Mackenzie Investments.Learn More
Equitable Life continues to spotlight various aspects of our competitive fund lineup and product offerings. This series gives advisors an opportunity to:
• learn more about products and product features,
• hear from industry professionals,
• learn about investment strategies; and so much more.
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 -
Equitable Life Webcast Series featuring Equitable Life Dynamic Asia Pacific Equity Fund Select
Benjamin Zhan and Bruce Zhang will discuss the Equitable Life Dynamic Asia Pacific Equity Fund Select along with the fund's people, philosophy, process and performance.
Equitable Life® continues to spotlight various aspects of our competitive fund lineup and product offerings. This series gives advisors an opportunity to:
• learn more about products and product features,
• hear from industry professionals,
• learn about investment strategies; and so much more.
Join your host, Joseph Trozzo, Investment Sales Vice President, MGA, Equitable Life of Canada along with Dynamic Funds.Learn More
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
Posted May 31, 2023 -
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. -
New 350 Life and CI Applications
On August 2nd, 2023, Equitable Life® will be updating the privacy and legal sections on some forms. This includes the form 350 Paper Application for Life and/or Critical Illness Insurance. This change will also be applied on our websites and our online application EZComplete®. These changes are part of Bill 64. The Bill is about the protection of personal and private information in Quebec. This will take effect on September 1st, 2023.
Due to this change, we ask all advisors to use the latest version dated May 2023 of the paper application after August 2nd. Applications in Quebec must use the lastest version from September 1, 2023 onwards.
For all regions outside Quebec, we will support a transition period from ‘old’ to ‘new’ applications until December 31st, 2023. After this date, we will no longer accept older versions of our Life and Critical Illness application.
To make sure you are using the latest version of the application, check the date on the title page. It should say May 2023. See the image below:
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To order paper copies, click here.
Email completed applications to supply@equitable.ca.
To learn more about Bill 64, please visit Assemblee nationale du Quebec - Bill 64. You may also contact your wholesaler.
® denote a registered trademark of The Equitable Life Insurance Company of Canada. -
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. -
Updates to Savings & Retirement applications and point of sale materials
Equitable Life has updated the following Savings & Retirement point of sale materials.
Form #
Form Name
Description
2086
Pivotal Select FHSA Application
New application to support the First Home Savings Account (FHSA) registration option
1403
Pivotal Select Contract & Information Folder
Updates have been made to support the new First Home Savings Account (FHSA) registration option
796
Guaranteed Interest Account TFSA Application
Updates have been made throughout the application to make it simpler and more straightforward. Additionally, a new “Privacy Consent” section has been added.
799
Guaranteed Interest Account Registered / Non-Registered
The new documents are available to download from EquiNet®. Paper documents are also available to order from Equitable’s Supply Team here.
To allow advisors time to transition to the new applications, we will continue to accept the following versions until further notice:-
Version 2020/06/30: Form #796 – Guaranteed Interest Account TFSA Application
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Version 2022/03/02: Form #799 – Guaranteed Interest Account Registered/Non-Registered
If you have any questions, contact your Regional Investment Sales Manager or Advisors Services Team Monday to Friday, 8:30 a.m. – 7:30 p.m. ET at 1.866.884.7427, or email savingsretirement@equitable.ca.
® and ™ denotes a registered trademark of The Equitable Life Insurance Company of Canada.
Posted September 11, 2023 -
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Equitable Master Class webcast featuring Susan Silma
You’re invited to our next Equitable® Master Class webcast offering compelling topics and unique ideas from leading experts to help you manage and grow your business.
Navigating regulatory compliance and changes as an advisor can be challenging and overwhelming at times. Just imagine how clients feel. Wouldn’t it be nice to be able to transform regulatory compliance into meaningful client engagement?
Join us for an informative discussion on how to do just that, led by Susan Silma, a lawyer and former regulator with deep experience in the financial services industry. Susan is passionate about humanizing and simplifying the client and advisor experience.
Learn more!
Shannon Labby
Investment Sales Vice President,
Equitable
Susan Silma
Speaker and Author
Continuing Education Credits
This webcast 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.
Date posted: May 22, 2024