EquiNet Equitable Life's advisor site

Site Search

766 results for browse now MAKEMUR.COM early release from jail payment options

  1. Proudly Canadian



    We take great pride in being a Canadian company built by Canadians for Canadians. Since 1920, we have been there for our clients and partners from coast to coast to coast.

     

    Please watch our video below to learn more.






     

  2. Whole Life
  3. [pdf] Build Your Business - Fully funding a client’s First Home Savings Account
  4. [pdf] Pivotal Solutions Fund Facts
  5. Helping clients build financial literacy in a changing disclosure landscape
  6. Advisor Compensation after the DSC/LL ban May 29, 2023 As of May 29, 2023, Pivotal Select segregated fund contracts will not allow new deposits to the Deferred Sales Charge (DSC) and Low Load (LL) sales charge options. This is in response to the ban on deferred sales charges by the Financial Services Regulatory Authority (FSRA). The following sales charge options will continue to be available:
    • No Load (NL)
    • No Load – 3 year chargeback (NL-CB)
    • No Load – 5 year chargeback (NL-CB5)
     
    Advisors may be wondering how compensation compares under various sales charge options.
     
    Here is an example of advisor compensation for a $100,000 segregated fund contract in the Equitable Life Active Balanced Portfolio Select.* 
    Year No Load DSC Low Load No Load CB No Load CB5
    1 $1,008 $5,544 $3,024 $3,500 $5,600
    2 $1,008 $504 $504 $504 $504
    3 $1,008 $504 $504 $504 $504
    4 $1,008 $504 $1,008 $504 $504
    5 $1,008 $504 $1,008 $1,008 $504
    6 $1,008 $504 $1,008 $1,008 $504
    7 $1,008 $504 $1,008 $1,008 $504
    8 $1,008 $504 $1,008 $1,008 $504
    Contract Value Total Compensation Paid
    $100,000 $8,064 $9,072 $9,072 $9,044 $9,128
    *For illustration purposes, this assumes a 0% return over the period shown.
     
     
    Over an 8-year period, total advisor compensation with the CB5 sales charge option is $9,128 versus $9,072 and $8,064 with DSC and NL respectively.
     
    Below is the chargeback schedule for NL-CB and NL-CB5: 
     
    Month (age of units) Commission Chargeback Schedule
    NL-CB    		 Commission Chargeback Schedule
    NL-CB5
    1 - 12 100% 100%
    13 - 24 97.2% - 66.4% 98.3% - 82.0%
    25 – 36 63.6% - 32.8% 80.5% - 64.0%
    37 – 48 0% 62.5% - 46.0%
    49 – 60 0% 44.5% - 28%
    61+ 0% 0%
     
    For more information, please contact your Regional Investment Sales Manager.
     
    ™ or ® denote registered trademarks of The Equitable Life Insurance Company of Canada.
     
    Date posted: June 15, 2023 
     
  7. When we grow together, success is mutual

    Equitable® announces the return of its popular Step Up Your Wealth sales campaign! Again, this year, we are rewarding advisors who promote Equitable’s Savings & Retirement products to both existing and new clients, as part of a comprehensive investment strategy.

    At Equitable, we offer a complete range of investment products designed to meet the savings, accumulation, and income needs of Canadians. Our strength as a mutual company, combined with our diverse lineup of competitive solutions, can help clients achieve their financial goals with confidence.

    banner-(1).png
    Join us and take advantage of the opportunity to grow clients’ wealth while being rewarded for your efforts. Together, we can help Canadians achieve their financial dreams. For more information, visit our website or speak to your Director, Investment Sales today.

    *The bonus amount will be calculated at the end of 2025 based on net deposits. The bonus will be paid within 90 days following December 31, 2025. Maximum bonus payable is $100,000 for re-qualifying Elite advisors; $75,000 otherwise. 1 Re-qualifying Elite advisors are advisors who attained Elite status at the end of 2024 and maintain Elite status at the end of 2025. To attain Elite advisor status, an advisor must have $1,250,000 in gross deposits in at least five policies or $10,000,000 in assets. For re-qualifying Elite advisors that reach $10,000,000 or more in net deposits in both 2024 and 2025, the maximum payment is $200,000. Equitable reserves the right to end or after the Step Up Your Wealth sales campaign at any time and without notice.

    Date posted: January 6, 2025
     
  8. The top five benefits of choosing the 10-pay premium option As part of our December 2024 Equimax® update, we launched a new guaranteed 10-pay premium option for Equimax Wealth Accumulator®. This option is a great way for clients to fund their life insurance policy.

    The top 5 benefits of the 10-pay premium option:

    1. Short Payment Period: After just 10 years, the policy will be completely paid-up, and clients won’t have to make any more payments while still having coverage.
    2. Growing Cash Value: By completing payments in a shorter time, clients can see their cash value grow faster. They can later access this value through policy loans or cash withdrawals if needed.
    3. Level Premiums: The premiums for the 10-pay option stay level over time. This makes it easier for clients to budget.
    4. Estate Planning: A fully paid-up life insurance policy can be a great planning tool for clients who want to leave a legacy for their loved ones.
    5. Tax Benefits: The cash value in a whole life policy grows tax-deferred, and the death benefit is paid out tax-free to beneficiaries.

    To learn more about our Equimax 10 pay premium option, visit our splash page:

    English-Button.png    French-Button.png    Chinese-Button.png

    Need more information? Contact your local Equitable wholesaler with any questions.


    ® or TM denotes a trademark of The Equitable Life Insurance Company of Canada.
     
  9. Understanding debt: A key to building wealth Why debt matters in wealth conversations
    Debt is part of life for many Canadians. But not all debt is the same. As an advisor, you can help clients understand their debt and how to manage it. This is key to building wealth and confidence. Financial Literacy Month is a great time to “Talk Money.”

    Types of debt1
    • Secured: This is backed by something the client owns, like a house or car. Its cost of borrowing or interest rate is usually lower.
    • Unsecured: This includes credit cards and personal loans. These debts have no asset behind it and often cost more.
    • Revolving: These are like credit cards. The balance owing can carry over to the next month.
    • Installment: These are like car loans. Clients pay a set amount each month.

    Helping clients manage debt
    • Pay off high-interest debt first:  Credit cards are often a good place to start.
    • Consolidate: One lower-interest loan payment can replace many.
    • Make a budget: Include debt payments and savings.
    • Use insurance-based investments: Segregated funds and Daily/Guaranteed Interest Accounts offer protection and guarantees. These can help clients manage risk while growing wealth.

    Why reducing debt matters
    Less debt can mean more financial freedom. Clients can save more, stress less, and plan better for retirement. It also helps them leave a financial legacy.

    Your role as an advisor
    You do more than sell products. You guide clients to make smart choices. Use this article to start a simple, clear conversation about debt—and how Equitable Individual Wealth solutions might fit into their overall financial picture.

    Talk to your Director, Investment Sales today for more strategies to help clients with debt.

    1 Source : ARC, 2025-03-28
  10. From Discovery to Action: Financial Planning Essentials for Newcomers Are you ready to deepen your understanding of newcomers’ financial needs? Join our December Master Class, “From Discovery to Action: Financial Planning Essentials for Newcomers,” — the second part of our September Master Class series on the topic of newcomers and learn how to guide new Canadians through their first year in Canada with empathy and expertise.

    We will explore strategic, empathetic discovery questions and provide practical tools to help advisors interpret newcomers’ responses in the context of their financial priorities.

    Join Joseph Trozzo, Vice President, National Investment Sales at Equitable, for an engaging conversation in our second session with Dr. Aditya Nain — professor, consultant, MoneySense columnist, and acclaimed multi-disciplinary author.
    Together, they will share actionable strategies and new perspectives to help advisors confidently and compassionately guide newcomers through the complexities of financial planning in Canada.

    Why attend?
    • Use empathetic questions to understand newcomers’ needs.
    • Map priorities to a simple 12-month financial plan.
    • Build tailored plans for banking, credit, insurance, and investments.

    Don’t miss this opportunity to deepen and elevate your advisory approach.

    Learn more



    Continuing Education Credits
    This webcast has been submitted for continuing education (CE) approval for all provinces excluding Quebec via the Insurance Council of Manitoba and Alberta Insurance Council. Upon approval, you will be sent an email notification to come back to the webcast 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. It is the advisor's responsibility to ensure Continuing Education credits being offered are accepted by their licensing body. Alberta Insurance Council (AIC) credits are valid in Yukon, British Columbia, Alberta, Saskatchewan, Ontario, New Brunswick, Prince Edward Island and Nova Scotia. Insurance Council of Manitoba (ICM) credits are valid in Manitoba only.

    This webcast is available in English only.