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  1. The Equimax EVOLUTION Continues Earlier this year, we announced a host of improvements to our Equimax® Participating Whole Life solution, designed to add value, flexibility, and affordability to an already excellent plan. 

    Today we’re pleased to announce the following additional updates took effect on August 12th, 2023: 
    1. Targeted improvements in rates, death benefits, and cash values for Equimax Estate Builder and Equimax Wealth Accumulator plans. 
    2.  New joint last to die rates for the Wealth Accumulator plans to align with Estate Builder. 
    3.  A new “rated age” calculation, and
    4.  New rates for determining the maximum enhancement amount with the Enhanced Protection dividend option.

    Visit our splash page and watch our informative video to learn more and start selling the enhanced Equimax today.

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    Refer to our Transition Rules for all the details on processing your applications.


    Our illustration tools are updated:
    ●  New Web-based illustration software on secure EquiNet® (log in required)
    ●  New Desktop illustration software 
    ●  New EZstart™ on EquiNet 

    Need more information?
    For information on these changes, please contact your Equitable Life wholesaler. 


    ® and TM denote trademarks of The Equitable Life Insurance Company of Canada.
  2. Product updates - See our latest!
    Good news!  The updates to Equitable’s individual insurance solutions, scheduled for October 5th, 2024, as announced last week, are now in effect!    

    What’s new in this product update?
     
    1. A new premium rate band for Equimax® policies with $5 Million and more of basic  life insurance coverage.
    2. A new illustration for switches from Paid-up Additions (PUA) to the Cash dividend option when premium offset is selected.
    3. A new way to calculate commission on Equimax life insurance, Term life insurance, and EquiLiving® critical illness insurance plans when clients choose monthly payments.
    4. A new life Evidence of Insurability Schedule (Form #1343) 

    …and there’s more!





    Visit our new splash page for a complete summary of the product changes, our latest video, and links to our sales tools and important resources:
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    *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.





    ® or TM denote trademarks of The Equitable Life Insurance Company of Canada.
  3. [pdf] Levelize the tax on your fixed income investments with participating whole life (individual clients)
  4. Easier than ever with Equitable and EZtransact Equitable® keeps improving our digital self-serve tool, EZtransact®. Our latest enhancements make it easier than ever to do business with us.

    What's new?
    Dollar cost averaging transaction
    • Advisors can now submit new dollar cost averaging requests through the Fund Switch transaction in EZtransact. A new recurring switch type is available.
    • When submitting a new request, you'll need to enter the amount, frequency, date of transfers, and the funds involved.
    • If a client has an active request, you can change the amount, frequency, date, and funds.
    • After you submit the request, the client will get an email to sign. Once they e-sign, the request goes directly to Equitable.

    Other recent enhancements include: See what advisors are saying about our updates and advance your sales process with EZtransact. If you have questions, contact your Director, Investment Sales.

    Date posted: December 11, 2024
  5. Simpler juvenile policy approvals

    A win for you and clients 


    Get insurance protection in place more quickly for kid’s policies with an enhanced juvenile underwriting model. It’s an industry-leading predictive model that extends existing auto-assess capabilities for your juvenile applications.  
     
    What does this mean for you?   
    You will notice reduced wait times as clients get the protection they need faster. And you will receive your commission quicker as well. This gives both you and your Equitable® underwriter time to focus on supporting your complex cases to bring you our best offer. The new auto-approval model for juvenile policies is a win for all. 
     
    Give us a try!  
    See for yourself how we can help you get protection in place for clients quickly. 

    Contact your Equitable wholesaler for more information.

    ® or TM denote trademarks of The Equitable Life Insurance Company of Canada.
  6. Instructions
  7. New flexibility with Equitable’s Term Exchange option Great news! Equitable® has just added our Term 30/65 plan as an option for term exchanges! This gives clients greater flexibility to choose a term plan that can adapt to their specific needs. 

    Clients can exchange their Equitable 10-year or 20-year term plans to a Term 30/65 plan as their financial needs change – without additional underwriting.

    What you need to know:

    •    A term plan that is a result of an exchange option cannot be exchanged again
    •    Exchange is available between the 1st and 5th coverage anniversary. 
         o    Only up to the insured’s 65th birthday for exchange to T20
         o    Only up to the insured’s 55th birthday for exchange to T30/65
    •    To request a term exchange, use the Term Exchange form.

    For additional information, refer to the Term Advisor Admin Guide on EquiNet®,  or contact your Equitable wholesaler.

    ® or TM denotes a trademark of The Equitable Life Insurance Company of Canada.
  8. Request standard in-force illustrations with the click of a button
    At Equitable®, we are making continuous improvements to our advisor and client services. We are excited to share an upcoming enhancement. 


    What’s new?


    Beginning on August 15, 2024 , you and your clients will be able to request standard, current in-force illustrations—at any time—for your clients’ whole life and universal life policies with the click of a button.

    Currently, standard in-force illustrations for whole life and universal life policies are autogenerated only on policy anniversaries. These in-force illustrations will no longer be autogenerated after August 15, 2024.

    Please note: For specialized illustrations—such as those with segregated funds, D2000/D2000+ policies, policies where the insured’s age falls outside existing illustration parameters, or policies that were originally from Clarica—you will still need to use the in-force illustration request form  for whole life or universal life policies.  


    How do I access this?


    You can request an in-force illustration by logging into EquiNet® and going to the Policy Details page via Policy Inquiry. Under the Coverage tab, you will now see a button called Inforce Illustration Request. Click the button to request the illustration. Learn more about how to access here. 
     
  9. Simplified Alternative ID Process is Now Available We have updated form 1710 to help you validate your client’s identification when you are not face-to-face, or if your client does not have one of the primary sources of ID.

    Form 1710, Verification of Identity for Policyowner, will simplify the ID collection process currently in place. This form will help you with the validation of ID and provide you with space to record the details. New with this form is the ability to validate your client’s ID over a video call by documenting the details of the ID, and then having your client hold up the document and read the information for you to validate. You no longer need to obtain and submit copies of the identification documents to Equitable.

    If your client requests the use of the Alternate ID process for a paper application, you can use this form to satisfy your identification validation requirements.
    For more information, please see Section 2 of Form 1710 entitled “Alternate ID”. As well, you can refer to the “how to complete form 1710” Guide for further details.

    Additional resources:
     
  10. Videos