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  1. About
  2. EquiLiving offers more options to clients facing a covered Critical Illness condition Consider these statistics…1 in 2 Canadians will develop cancer in their lifetimes1. They’re just numbers…until the day someone you know is diagnosed, someone who didn’t see it coming. Then it becomes very real - no longer incidence statistics, but costs. Today more people than ever are surviving and living with not only just the physical, but also the financial effects of their illness.
     
    We’re there to help when illness strikes

    NEW! EquiLiving® plans and riders have recently been enhanced including:

    ●  20 pay options with coverage to age 75 or coverage for life
    ●  Support from Cloud DX to help monitor a client’s well-being from treatment to recovery.
    ●  Added Acquired Brain Injury as a covered critical condition 
    ●  30-day survival period removed for all non-cardiovascular covered conditions
    ●  No age restriction to claim for Loss of Independent Existence (LOIE)
    ●  EquiLiving Benefit now pays the higher of the EquiLiving Benefit or the Return of Premium Rider Benefit (not including Return of Premium on Death)
    ●  And so much more …

    Learn more
    ●  CI product enhancement video
    ●  Visit our launch event page with product change details and more
    ●  Marketing Materials

    Please contact your Regional Sales Manager for more information. 
     
    1 www.cancer.ca
     
  3. Give clients guaranteed retirement income with Payout Annuities
    With increased market volatility and interest rates higher than we have seen for much of the past decade, now is a great time to consider payout annuities. Payout annuities can provide regular guaranteed income regardless of how markets perform. 
     
    Clients using only a Systematic Withdrawal Plan (SWP) for retirement income are potentially vulnerable during times of market volatility due to the sequence-of-returns risk.1 When markets are down, more units are redeemed to cover income needs. When markets later rise, clients are not able to participate fully in the recovery because more units were redeemed to provide income. That is why having a guaranteed income component, like a payout annuity, as part of an overall retirement strategy is so important.
     
     
    Three great reasons to consider Equitable Life® for your payout annuity business:

    1. Choose from a variety of payout annuity options including:
       
         A. Life Annuity – guaranteed income for one life
         B. Joint Life Annuity – guaranteed income for two lives
         C. Term Certain – guaranteed income for a specific period of time (5 to 30 years)
         D. Term Certain to Age 90 – guaranteed income until age 90

    2. Attractive rates, particularly in Registered and Term Certain Annuities

    3. Step Up Your Wealth Sales program - 25% of payout annuity net sales qualify for the 0.75% bonus commission earned on net deposits for 20222  

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    For more information, please contact your Equitable Life Regional Investment Sales Manager.
     
     
    1Sequence-of-returns risk, or sequence risk, is the risk that an investor will experience negative portfolio returns very late in their working life and/or early in retirement.
     2All 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.
  4. 2026 Elite Advisor Program
  5. Most employers staying the course on benefits during COVID-19

    With businesses suffering hardship due to COVID-19, employers are turning to you for advice on their benefits plans during these difficult times. We’ve received numerous questions from advisors about changes our clients are making to their plans during this crisis.

    So far, the vast majority of clients are standing pat and taking a wait-and-see approach. Plan amendments have been the exception – fewer than 1% of our clients have made COVID-19-related amendments as of mid-April. Almost all are clients with fewer than 50 lives.

    We know that many of our clients have experienced layoffs, but hardly any have cancelled benefits. Fewer than 0.1% have terminated benefits to date.

    Below is a snapshot of plan amendments and terminations relative to our overall block, and an overview of the types of amendments we’re seeing.






    COVID-19-related plan changes on Equitable Life’s block of business

    As of April 15, 2020
    Plan-changes.pngNature-of-amendments.png

    Have clients who need to make a change?

    We know this is a difficult time for Canadian employers. If you have a client who needs to make a change to their plan, please contact your Group Account Executive or myFlex Sales Manager. We have a range of options to help them manage, and changes can be made quickly. The average turnaround time for COVID-19-related amendments is currently about four days.

    We’re happy to work with each employer to understand the options that suit their specific situation best.

  6. This year’s RSP contribution deadline is March 1, 2023


    The RSP deadline is fast approaching so whether you are using paper or EZtransact™ here are some important things to remember.

    Issuing New Policy with EZcomplete®

    • All online applications must be digitally signed and submitted and have a date stamp no later than March 1, 2023.


    Issuing New Policy using Paper Application

    • For contributions to qualify for the first 60 days, all paperwork must be completed and signed by March 1, 2023. Equitable Life must receive all paperwork by March 7, 2023.



    Deposits to Existing Policy

    • Advisors can setup a one-time or recurring deposit or edit an existing pre-authorized debit already in place using EZtransact. Online deposits must be made and have a date stamp by March 1, 2023, to qualify for a 2022 tax receipt. 

    • Clients can make online deposits to Equitable Life® through their financial institution’s online banking service. Online deposits must be made and have a date stamp by March 1, 2023, to qualify for a 2022 tax receipt. 

    • Clients can also make a new deposit to an existing policy by cheque. The cheque must be dated and signed by March 1, 2023. Equitable Life must receive the cheque no later than March 7, 2023.


    If online banking is being used to fund the policy – either topping up an existing policy or opening a new policy – the online banking transaction must be completed by March 1, 2023, to receive a 2022 tax receipt.


    Please note that cheques and other paperwork cannot be backdated.  They must be completed and signed by March 1, 2023, to qualify for a 2023 tax receipt.


    Don’t forget about the Equitable Life RSP Grow Your Future Contest. We hope you have a great RSP season! 

    ® denotes a trademark of The Equitable Life Insurance Company of Canada.

  7. Here is what our advisors are saying about Equitable’s EZtransact

    You asked US to make EZtransact™ even easier, so we did. We asked YOU to tell us what you think, and you are! Here is what our advisors are saying about Equitable’s EZtransact:

    thumbup-up-thumb-shine-like.png“EZtransact puts Equitable above all our product partners! This was so easy! Thank you!” - Michelle Rolston


    handshake.png“You've done an amazing job with the forms that are so easy to deal with now! Thank you”. - Jane Hanson

    group-team-people.png“You've got this thing running brilliant” - Gerald Kottke

    icon-heart-give-love-hand.png“Love the ease of this!” - Bradley Radke

    In case you missed the most recent updates to EZtransact, advisors can now help clients make segregated fund withdrawals for all account types, and transfer from one fund to another digitally using our self-serve tool. Comments from our advisors since these enhancements were made have been overwhelmingly positive. Thank you!

    Get to know EZtransact and fast-forward your sales process. If you have any questions, please contact your Director, Investment Sales, or Advisor Services Team Monday to Friday, 8:30 a.m. – 7:30 p.m. ET at 1-866-884-7427, or email savingsretirement@equitable.ca.

    Date posted: August 22, 2024 

  8. 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.
  9. 5 great reasons to work with Equitable There are plenty of reasons to work with Equitable®. We’ve rounded up the top 5 in our popular marketing piece 5 great reasons to make Equitable your first choice.

    1. We’re committed to our policyholders.
    At Equitable, our mutual status gives us the advantage of focusing exclusively on our policyholders and our commitments to them. We have a DBRS Morningstar rating of A (high) and a strong LICAT ratio. This means that we are well-positioned to continue meeting our commitments to our clients.

    2.     We have a broad, competitive product shelf.
    We offer a diversified and competitive product portfolio, with some of the most competitive solutions on the market. Our broad range of insurance and savings products provide you with competitive, flexible solutions to meet clients’ financial needs.

    3.     We make underwriting easy.
    Are you working on a large case? We have a specialized team of experts and dedicated underwriters to help you with larger and more complex cases.

    4.     We offer regional wholesaler support.
    Our regional wholesalers are here to provide personalized sales support in the field, from coast-to-coast. They take the time to understand your business needs and help develop solutions.

    5.     We have great online advisor tools.
    EquiNet®, Equitable’s advisor site, is bilingual and mobile-friendly. It puts the tools and information you need right at your fingertips. Check out our EZcomplete® online applications, administrative forms and processes, sales illustrations, marketing materials, and more.

    Contact your Equitable wholesaler today to learn more!
     
  10. Deposits using online banking