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Is it time to revisit bonds?
You see the interest rate predictions and talk of inflation in the news every day. What should clients do? Is it time to consider bonds?
Join our webcast with Darcy Briggs, Senior Vice-President, Portfolio Manager, of the Franklin Canadian Core Plus Bond Fund, for insights on the impacts of interest rates and inflation movement on bond portfolios and how to navigate during this time of uncertainty.
Darcy and the team skillfully combine Canadian core bonds with non-core fixed income opportunities to create a solution that is built around a foundation of high-quality Canadian bonds. They opportunistically add “off benchmark” securities for added yield and diversification.
You don’t want to miss it.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.
Date Posted: April 25, 2024 -
Now is a great time to look at bonds
Bonds have a place in every investment portfolio. They help preserve capital and they offer predictable income. They help diversify portfolios and offer protection from both inflation and a volatile stock market.
Over the past few years interest rates have been rising, which has created a great opportunity for bonds and bond funds. Rising interest rates have lowered the price of existing bonds and increased both the coupon rates for new bonds and yields on existing bonds. Plus, rising rates also create opportunities for capital gains if interest rates fall.
Pivotal Select™ offers four great bond funds to help you diversify client assets. Three of the funds cover North American bonds, and one has a global focus. Learn more about these funds by visiting Equitable’s Fund Overview and Performance website.
To learn why now might be the right time to revisit bonds for clients’ portfolios and more information about our funds, please contact your Director, Investment Sales.
Also, if you missed the Equitable webcast, “Is it time to revisit bonds?” catch up On-Demand.
Date posted: May 16, 2024 - [pdf] G2 - Application for Change
- [pdf] G3 - Application for Change
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Expanding Online Annuity Quotation Eligibility
Equitable Life® is pleased to announce the following three enhancements to our Online Annuity Quotation eligibility, effective November 1, 2022:
● Single Premium Quotes increased to $2million
● Increased Allowed Annual Amount for Income Annuities
● Alberta Locked-In Funds Available from Age 50 reduced from age 55
Increasing income limits for our Online Annuity Quotation provides advisors with more flexibility to serve the various needs of clients. To learn more, visit Equitable’s Online Annuity Quotation
For more information contact your Regional Investment Sales Manager or our Advisor Services team Monday to Friday from 8:30 a.m. – 7:30 p.m. ET at 1.866.884.7427.
® denotes a trademark of The Equitable Life Insurance Company of Canada.
November 24, 2022 - [pdf] Annuity Settlement Option
- [pdf] Do you know Darren
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New! Evidence of Insurability Schedule
We are pleased to announce Equitable’s new Evidence of Insurability Schedule. The new schedule applies to all life and critical illness insurance applications signed on or after October 5, 2024.
Here are the benefits to you:
● New chart is easier to read with more clarity and transparency.
● ECG and TST are no longer routinely required for Life applicants.
● Blood and urine requirement is streamlined for Life applicants.
● Detailed underwriting requirements for higher coverage amounts and mature applicants.
Please refer to the new Evidence of Insurability schedule (Form #1343) for full details.
Equitable® has the right to ask for more evidence of insurability. We will do this if we feel it is needed to assess the risk.
Key changes – Age and amount requirements
Life applicants:
● Resting ECG: No longer a routine age and amount requirement. This may still be requested at our underwriter’s discretion.
● Treadmill ECG: No longer required at any age or amount.
● Standalone Urine: Standalone urine changed to blood and urine at $100,001 and $500,000 coverage amounts for clients over age 55.
● Mature Age Focus Interview (MAFI): New for clients aged 75+. As part of the paramedical, we will assess the applicant’s Activities of Daily Living, social activities, and word recall ability.
Life and Critical Illness applicants:
● For clients aged 70+, evidence is now valid (recent) if completed within the past 6 months. For all other applicants (ages 18-69), there is no change – evidence is valid if completed within the past 12 months.
Financial/Third-party verification
Reminder – this is required for life insurance amounts over $5M. Our underwriting team will be pleased to assist you with this step.
Questions? Please contact your Equitable wholesaler or reach out to our underwriting team.
® or TM denotes a trademark of the Equitable Life Insurance Company of Canada. -
Celebrating our wins – 2023 Individual Insurance Marketing Recap
Equitable® would like to wish everyone a Happy New Year and we are looking forward to doing more business together in 2024!
As we start a brand new year, we would like to share with you some highlights of our 2023 initiatives in Individual Insurance. These projects aimed to make it easier to do business and enrich your experience of working with us.
Digital & Administration Enhancements
Our 2023 digital transformation initiatives ensured smoother processes, streamlined operations, and improved user experiences for advisors and clients:
● Digital Transactions for Universal Life Plans
● Text Notifications Keep You Informed on Your New Business
● New Online Policy Loan Form
● EZcomplete Enhancement for Critical Illness
● New Life & CI Application
Product Updates
Equally pivotal were our efforts in enhancing our individual life insurance solutions to empower you to confidently recommend us to clients:
● A Tune-Up for Equimax
● The Equimax Evolution Continues
● Critical Illness Insurance Update
● New Dividend Scale Interest Rate
To learn more about the above initiatives, kindly reach out to your local wholesaler.
Thank you for entrusting us with your business in 2023!
Continue watching for news from Equitable for more great launches and enhancements in 2024!
® or TM denote trademarks of The Equitable Life Insurance Company of Canada