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See how choosing Equimax Participating Whole Life can help Raj plan for his family’s future
Raj wants to buy life insurance. He has wealth he’s grown over the years. He wants it to go to his family. He likes what participating whole life has to offer.
By choosing an Equimax participating whole life insurance policy with Equitable Life, Raj gets permanent insurance coverage with tax-advantaged cash growth. His policy can also earn annual dividend payments.
He learns about how his premiums go into a participating account and are invested. Some of that investment can come back to him as dividends.
With Equitable Life, dividends are shared only with participating policyholders. This makes Equimax Participating Whole Life an easy choice for Raj.
Watch our new Dividends with Equitable Life of Canada video to learn more. View on Vimeo or YouTube.
You can use this video to send to clients before or after meetings to help them understand Dividends with Equitable Life.
Plus, visit our Equimax product page, then click on the Marketing Materials tab for the latest Dividend marketing materials.
Need more information? Please contact your local wholesaler.
® and ™ denotes trademarks of The Equitable Life Insurance Company of Canada.
To learn more about our dividend policy and participating account management policy, please visit www.equitable.ca/en/already-a-client/dividend-information/
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. -
See why choosing EquiLiving Critical Illness Insurance is the right choice for Ayo’s family
Ayo’s just returned from maternity leave. Her baby David and her husband are the most cherished people in her life.
But a neighbour’s cancer diagnosis leaves her wondering how she can protect her family if a serious illness were to affect them.
Learn why Ayo decided EquiLiving® Critical Illness insurance was the right choice for her family.
Watch our new Critical Illness with Equitable Life of Canada video to learn more. View on Vimeo or YouTube.
You can use this video to send to clients before or after meetings to help them understand the benefits of Critical Illness Insurance. Check out our prospecting letter, that you can personalize and send to your clients to tell them about Critical Illness Insurance.
Plus, visit our Critical Illness product page, then click on the Marketing Materials tab for the latest Critical Illness marketing materials.
Need more information? Please contact your local wholesaler.
View on Vimeo or YouTube.
® and ™ denotes trademarks 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. -
Take the helm in 2024 with insights from leading investment experts
Find out what our panel of leading investment experts are saying about the markets and how they are positioning their portfolios. Learn about the themes and forces driving markets and where there are opportunities.
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• Equitable Asset Management Group - Dave Irwin, AVP, External Fund Management.
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• Fidelity Investments - Ilan Kolet, Institutional Portfolio Manager, Global Asset Allocation (GAA) Group.
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• Franklin Bissett (ClearBridge) Investment Management - Les Stelmach, Senior Vice President, Portfolio Manager.
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• Mackenzie Bluewater Team - Shah Khan, Vice President, Portfolio Manager.
Cam Crosbie, Executive Vice-President, Savings & Retirement will highlight some of the ways Equitable can help make 2024 a great year. We’ve got everything you need and more!
Posted January 3, 2024
Learn more!
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.
™ and ® denote trademarks of The Equitable Life Insurance Company of Canada -
- Additional details for age and amount increase
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Reframing retirement with help from Equitable and the Franklin Templeton Academy
Equitable® Savings & Retirement and Franklin Templeton Academy have teamed up again with two pre-recorded On-Demand webcasts that can help you reframe retirement goals and planning discussions with clients.
Rethinking Retirement Income
The traditional view of retirement income assumes clients will need a specific percentage of their annual pre-retirement income through their senior years. In this session you will learn how our notions of retirement have changed over the years, the difference between the traditional and goals-based planning approaches, and how we can help you implement a goals-based retirement income planning strategy.
Register to watch
Ethics of Aging
According to Statistics Canada, by 2036, Canadians aged 65 and older are estimated to represent 24% of our total population. In this session, you will learn about challenges that come with aging, helping clients prepare for the worst, and identifying and handling elder financial abuse.
Register to watch
Join your host, Joseph Trozzo, Investment Sales Vice President, Equitable, along with guest speaker Jocelyn Duncan, Senior Learning Consultant with the Franklin Templeton Academy, to reframe retirement and help clients develop a strategic retirement mindset.
Continuing Education Credits
These webcasts have been accredited for 1 Life continuing education (CE) credit for all provinces excluding Quebec via the Insurance Council of Manitoba and Alberta Insurance Council. 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: December 19, 2024 -
Did you miss our Equimax update in December?
Equimax – a better and stronger solution!
Discover the latest Equimax updates
Great news! We’ve made further updates to our Equimax® insurance solution to better serve clients.
Here are some of the changes:
● A new guaranteed 10 pay premium option for Equimax Wealth Accumulator®.
● You can now add an Excelerator deposit option (EDO) on Equimax Estate Builder® and Wealth Accumulator plans with a 10 Pay premium option (term rider not required at issue of the policy).
● We increased our flexibility with EDO. This will make it easier for clients to stop and start EDO contributions without losing their maximum approved contribution room. On top of that, these changes will apply to all inforce policies. A single set of EDO rules will apply to every Equimax policy whether it’s issued tomorrow or 10 years ago, making it simpler to help clients manage their policies.
● We increased the maximum amount of Equimax coverage that can be applied for without a special quote from $20M to $25M.
Equimax is now an even better and stronger solution. For a full breakdown of these product updates visit our splash page.
*Video available in English with French and Chinese sub-titles.
Please refer to our Transition Rules for all the details on processing your applications.
Need more information? Please contact your Equitable wholesaler. -
Savings & Retirement - Updated Application Forms
There are some important updates to share with you. The applications listed below have been updated for content and formatting. The changes also include the removal of maximums for Quebec Life Income Funds.Equitable will accept the previous versions until March 31, 2025, but on April 1, 2025, only the new versions will be accepted.
Form # Application New Version Previous Version 1383 Pivotal Select TFSA Application 2024/11/01 2023/05/29 1384 Pivotal Select Registered/Non-Registered Application 2025/01/01 2023/05/29 2086 Pivotal Select FHSA Application 2024/11/01 2023/08/01 796 Daily/Guaranteed Interest Account TFSA Application 2024/11/01 2024/07/01 799 Daily/Guaranteed Interest Account Registered/Non-Registered Application 2025/01/01 2024/07/01 2087 Daily/Guaranteed Interest Account FHSA Application 2024/11/01 2024/07/01
Updated Form Names
Equitable has updated the names of the Special Quote Request forms for the DIA/GIA and Payout Annuity.New Name Previous Name When to use Custom Quote – DIA/GIA
(Form # 686)GIA Special Quote Request form Any deposit to the Daily Interest Account or Guaranteed Interest Account that is equal to or greater than $1 million. Payout Annuity - Custom Quote
(Form #687)Payout Annuity Special Quote Request form Any non-standard annuity quote (i.e., exceeds maximum deposit or age, pension matching, etc.)
Simplified Conversion Process for Legacy Products
The simplified conversion process should make things easier for advisors. By using the RRSP to RRIF Conversion Form #1673, you can convert legacy products, like RRSP to RRIF and LIRA to LIF, without the need to complete an application.
If you have any questions, reach out to your Director, Investment Sales.
Posted January 27, 2025 - [pdf] Taking money out of your RSP?
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Important cybersecurity readiness guidance
As an advisor, you collect and store clients’ sensitive personal information. Protecting this information is essential. In July 2023, the Canadian Insurance Services Regulatory Organization (CISRO) released a guide on Cybersecurity Readiness. It includes tips on keeping this sensitive client data and your business systems safe.
Please read the guide in full. Also, check your own practices to be cyber ready and reduce your risk of an incident.
Some key tips in the guide include:
1. Make cybersecurity a priority: Stay alert to cyber threats. These can be suspicious emails, texts or calls. Make sure your team knows how to keep your data and systems safe and has clear, documented processes to follow.
2. Know what to protect: Understand what data and business systems need to be protected.
3. Identify the risks: Spot the risks in your practice and those from third-party service providers.
4. Implement security measures: Take steps to protect your data and business systems.
5. Be ready to respond: Know how to spot and react to cyber incidents. The guide has useful tips on creating a Cyber Incident Response Plan.
And lastly – if you receive client instructions electronically (by email, text, or messaging apps), always confirm these over the phone to ensure it’s really the client sending the instructions.
Keep your business and important client data safe by staying informed and alert. We encourage you to read the full Cybersecurity Readiness document to learn more about how to prepare for cyber threats.
In our industry, protecting clients’ sensitive data and systems is essential. Thank you for your commitment to cybersecurity!
® or TM denotes a trademark of The Equitable Life Insurance Company of Canada.