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Reframing retirement with help from Equitable and the Franklin Templeton Academy
Equitable® Savings & Retirement and Franklin Templeton Academy have teamed up again with two pre-recorded On-Demand webcasts that can help you reframe retirement goals and planning discussions with clients.
Rethinking Retirement Income
The traditional view of retirement income assumes clients will need a specific percentage of their annual pre-retirement income through their senior years. In this session you will learn how our notions of retirement have changed over the years, the difference between the traditional and goals-based planning approaches, and how we can help you implement a goals-based retirement income planning strategy.
Register to watch
Ethics of Aging
According to Statistics Canada, by 2036, Canadians aged 65 and older are estimated to represent 24% of our total population. In this session, you will learn about challenges that come with aging, helping clients prepare for the worst, and identifying and handling elder financial abuse.
Register to watch
Join your host, Joseph Trozzo, Investment Sales Vice President, Equitable, along with guest speaker Jocelyn Duncan, Senior Learning Consultant with the Franklin Templeton Academy, to reframe retirement and help clients develop a strategic retirement mindset.
Continuing Education Credits
These webcasts have been accredited for 1 Life continuing education (CE) credit for all provinces excluding Quebec via the Insurance Council of Manitoba and Alberta Insurance Council. To be eligible for CE credits, you must register individually, watch the webcast in full and complete a short quiz. These webcasts are available in English only.
Date posted: December 19, 2024 -
Did you miss our Equimax update in December?
Equimax – a better and stronger solution!
Discover the latest Equimax updates
Great news! We’ve made further updates to our Equimax® insurance solution to better serve clients.
Here are some of the changes:
● A new guaranteed 10 pay premium option for Equimax Wealth Accumulator®.
● You can now add an Excelerator deposit option (EDO) on Equimax Estate Builder® and Wealth Accumulator plans with a 10 Pay premium option (term rider not required at issue of the policy).
● We increased our flexibility with EDO. This will make it easier for clients to stop and start EDO contributions without losing their maximum approved contribution room. On top of that, these changes will apply to all inforce policies. A single set of EDO rules will apply to every Equimax policy whether it’s issued tomorrow or 10 years ago, making it simpler to help clients manage their policies.
● We increased the maximum amount of Equimax coverage that can be applied for without a special quote from $20M to $25M.
Equimax is now an even better and stronger solution. For a full breakdown of these product updates visit our splash page.
*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. -
Savings & Retirement - Updated Application Forms
There are some important updates to share with you. The applications listed below have been updated for content and formatting. The changes also include the removal of maximums for Quebec Life Income Funds.Equitable will accept the previous versions until March 31, 2025, but on April 1, 2025, only the new versions will be accepted.
Form # Application New Version Previous Version 1383 Pivotal Select TFSA Application 2024/11/01 2023/05/29 1384 Pivotal Select Registered/Non-Registered Application 2025/01/01 2023/05/29 2086 Pivotal Select FHSA Application 2024/11/01 2023/08/01 796 Daily/Guaranteed Interest Account TFSA Application 2024/11/01 2024/07/01 799 Daily/Guaranteed Interest Account Registered/Non-Registered Application 2025/01/01 2024/07/01 2087 Daily/Guaranteed Interest Account FHSA Application 2024/11/01 2024/07/01
Updated Form Names
Equitable has updated the names of the Special Quote Request forms for the DIA/GIA and Payout Annuity.New Name Previous Name When to use Custom Quote – DIA/GIA
(Form # 686)GIA Special Quote Request form Any deposit to the Daily Interest Account or Guaranteed Interest Account that is equal to or greater than $1 million. Payout Annuity - Custom Quote
(Form #687)Payout Annuity Special Quote Request form Any non-standard annuity quote (i.e., exceeds maximum deposit or age, pension matching, etc.)
Simplified Conversion Process for Legacy Products
The simplified conversion process should make things easier for advisors. By using the RRSP to RRIF Conversion Form #1673, you can convert legacy products, like RRSP to RRIF and LIRA to LIF, without the need to complete an application.
If you have any questions, reach out to your Director, Investment Sales.
Posted January 27, 2025 -
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:
Need more information? Contact your local Equitable wholesaler with any questions.
® or TM denotes a trademark of The Equitable Life Insurance Company of Canada.
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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. -
A bright start to July: our Dividend Scale is now active!
Effective July 1st - just in time for summer conversations!
Good news! The Equitable® Board of Directors has approved continuing our current dividend scale for the period of July 1, 2025, to June 30, 2026.
• The interest rate* we use to decide the dividend scale will stay at 6.40%.
• Other factors used to decide the dividend scale will stay the same.
• The interest rate for policies with dividends on deposit will stay at 3.50%.
• The interest rate for most policy loans will stay at 6.50%. This applies to both new and existing policy loans, and automatic premium loans. It specifically applies to Equimax® policies with a 9-digit policy number that starts with either "3" or "8". Older policies may have different loan rates as they are based on the prime interest rate.
*The dividend scale interest rate (DSIR) is different from the participating account (PAR) rate of return. The DSIR smooths out the ups and downs of the participating account experience. The PAR rate of return is the return on the investments in the participating account over the calendar year.
Need more information?
Did you miss our Spring Update & 2025 Dividend Scale Announcement?
Watch it now:
- Benefits and Key features
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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!
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The top individual insurance marketing materials!
In 2025 there were five marketing pieces that advisors turned to most. If you haven’t seen them yet, now’s your chance to catch up. We want to help you connect with clients. These materials help make important topics easy to explain.
Top five individual insurance marketing materials:
1. 1024 Guide to individual underwriting. This guide shows how medical and non-medical conditions can affect insurance approvals.
2. 1038 Understanding participating whole life. Explains Equimax® participating whole life insurance. It also discusses the Participating Account, how dividends are calculated, and how they can impact a policy.
3. 1343 Evidence of insurability. Includes a chart showing the underwriting rules for life insurance products.
4. 1530 Temporary resident underwriting guidelines. This is a list of the documents temporary residents need when applying for individual insurance.
5. 1505 Dividend scale interest rate 30-year historical performance. This chart shows Equitable’s dividend scale interest rate history. It also compares our dividend scale rate to other major economic indicators.
For a list of all our marketing pieces visit our marketing materials page on EquiNet.
Have further questions? Your Equitable Wholesaler is here to help!