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Step Up Your Wealth Sales with Equitable Life
Step up your wealth sales with Equitable Life® and you’ll be rewarded with a growth bonus for doing more business in 2022. Make this year your best year ever with Equitable Life!
The program rewards advisors who promote Equitable Life’s Savings & Retirement products to existing and new clients as part of an overall investment strategy based on client needs.
Commission Bonus Calculation:
Gross deposits into segregated funds
+ Gross deposits into Guaranteed Interest Account (GIA) contracts
+ 25% of payout annuity sales
― Segregated fund redemptions
― GIA redemptions
= 2022 Net Deposits
All eligible deposits, sales, and redemptions occurring between January 1 and December 31, 2022, will be used to calculate an advisor’s 2022 net deposits.
* The bonus amount will be calculated at the end of 2022 based on net deposits. The bonus will be paid within 90 days following December 31, 2022. Maximum bonus payable is $75,000.
For more information, download our flyer or contact your Equitable Life Regional Investment Sales Manager.
And as a reminder, we increased the CB5 sales option initial commission from 5.6% to 7.0% on Pivotal Select™ segregated funds. The 7% initial commission is effective from May 20 to August 31, 2022 only.** Learn more.
Equitable Life is committed to offering advisors and clients product, service, and feature choices that best suit their needs. We offer multiple sales charge options, three distinct guarantee classes, and a diverse selection of investment funds to align with advisors’ and clients’ unique needs.
** Equitable Life reserves the right to end the campaign, at any time and without notice.
™or ® denotes a registered trademark of The Equitable Life Insurance Company of Canada. -
Competitive GIA rates and more!
With many bond funds declining in value over the past year, clients are looking for fixed income alternatives to reduce portfolio risk while providing a principal guarantee and an attractive interest rate.
Equitable Life® Guaranteed Interest Account (GIA) investment options are ideal for clients who want to create an emergency fund or save for a special purchase. And we’ve recently increased interest rates to make our GIA options even more competitive!
A few reasons to consider Equitable Life for your GIA business:- The GIA advantage – a life insurance contract can provide many estate planning benefits.
- Industry-leading compensation – we currently pay 40bps of commission per year of term.1 Many competitors only offer 20 – 25bps per year of term.2
- Cashable option3 – allows clients to access their money in case of unexpected circumstances. Not many competitors offer this feature.2
- Advisor rate discretion – advisors can forego up to 40bps of commission for an equal increase in interest rate, making our great rates even better.
- Step Up Your Wealth Sales program – 100% of GIA net deposits4 are used to calculate the 0.75% bonus commission earned on net deposits for 2022.
- Win-Win – our GIAs allow you to give the client a better interest rate while still earning a good commission.
For more information, please contact your Equitable Life Regional Investment Sales Manager.
1 Equitable Life commission rates as at May 19, 2022.
2 Competitive information as at November 20, 2021; Equitable Life does not guarantee the accuracy of competitive information.
3 Withdrawals made prior to the maturity date will be subject to a market value adjustment and may be subject to tax.
4 All eligible deposits, sales, and redemptions occurring between January 1 and December 31, 2022, will be used to calculate an advisor’s 2022 net deposits.
® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
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Competitive GIA rates and more!
With many bond funds declining in value over the past year, clients are looking for fixed income alternatives to reduce portfolio risk while providing a principal guarantee and an attractive interest rate.
Equitable Life® Guaranteed Interest Account (GIA) investment options are ideal for clients who want to create an emergency fund or save for a special purchase. And we’ve recently increased interest rates to make our GIA options even more competitive!
A few reasons to consider Equitable Life for your GIA business:- The GIA advantage – a life insurance contract can provide many estate planning benefits.
- Industry-leading compensation – we currently pay 40bps of commission per year of term.1 Many competitors only offer 20 – 25bps per year of term.2
- Cashable option3 – allows clients to access their money in case of unexpected circumstances. Not many competitors offer this feature.2
- Advisor rate discretion – advisors can forego up to 40bps of commission for an equal increase in interest rate, making our great rates even better.
- Win-Win – our GIAs allow you to give the client a better interest rate while still earning a good commission.
For more information, please contact your Equitable Life Regional Investment Sales Manager.
1 Equitable Life commission rates as at May 19, 2022.
2 Competitive information as at November 20, 2021; Equitable Life does not guarantee the accuracy of competitive information.
3 Withdrawals made prior to the maturity date will be subject to a market value adjustment and may be subject to tax.
® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
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SMS is Available for Individual Insurance Application Updates
If you haven’t opted in to receive your client's application status via text message, give it a try on your next application.
When you submit a client’s application, you can opt-in to receive text message updates for your new business applications. No need to log in to your advisor portal to know exactly what is going on with a case.
Once you opt-in to receive text messages, you will receive short text updates for your new business applications. That’s a text message when:- The application is received,
- Equitable Life has made a decision,
- The policy is ready for delivery, and
- The commissions have been triggered.
In addition to these messages, Equitable Life will continue to send proactive emails detailing outstanding requirements.
Be sure to opt-in to text messages when you complete your next application on EZComplete®.
We’ve recently made a number of changes to make doing business with us easy. Learn more about SMS and other ways we are making it easy to do business with us.
® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
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An important announcement about our Travel Assist provider
Allianz Global Assistance, our Travel Assist emergency medical assistance provider, has informed us that it is exiting the Canadian group travel insurance market.
Allianz will continue to accept and support new claims up to June 30, 2023, and they will support ongoing claims until Dec. 31, 2023.
We are already meeting with potential new Travel Assist partners and plan to have a provider in place before June 30, 2023.
In the meantime, we are working closely with Allianz to help ensure a smooth and seamless transition for your clients and their plan members. Allianz is committed to maintaining its staff to meet and exceed service levels throughout the transition, as follows:
Before July 1, 2023:
Allianz will continue to accept calls and open new claims up to June 30, 2023. Any claims opened on or prior to June 30, 2023, will continue to be processed by Allianz until Dec. 31, 2023.
After July 1, 2023:
New cases will be directed to our new service provider. Allianz will work alongside us and our new provider to make this transition as simple as possible.
After Dec. 31, 2023:
For any cases still open as of Dec. 31, 2023, Allianz will work with our new service provider to responsibly transfer these cases while ensuring a seamless client experience.
We will communicate this news next week to your clients who have Travel Assist coverage on their plan. And we will continue to communicate more details to you about this transition in the coming weeks.
If you have any questions, please contact your Group Account Executive or myFlex Sales Manager. -
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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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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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 -
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 -
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New publication: CLHIA consumer guide for critical illness
In February, the Canadian Life and Health Insurance Association (CLHIA) published a new consumer guide for critical illness. This guide covers what clients need to know about critical illness.
Some of the topics include:
● What critical illness insurance covers in Canada
● If critical illness insurance is the right choice for a client
● What critical illness insurance policies may or may not include
● Plan types and offerings
● And more!
Equitable is committed to helping clients make informed decisions about their insurance needs. You can find links to the CLHIA critical illness consumer guide on equitable.ca and through EquiNet > Individual Insurance > Critical Illness. You can also find a link to the CLHIA agent guide for critical illness on EquiNet.
Share this with clients in addition to the great resources below!
Critical illness insurance with Equitable video: View on Vimeo.
Critical illness prospective letter template – simply fill it out and send off to your clients!
Want to earn CE credits? Check out our Critical Illness Path to Success program.
Need more information?
Your Equitable Wholesaler is here to help!
® and TM denote trademarks of The Equitable Life Insurance Company of Canada.