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1. [pdf] Managing a Retirement Savings Plan tax refund
2. Individual Insurance product enhancements

   Equitable Life has exciting product enhancements that will help you offer more options to clients. 
   
   Watch our Virtual Product Launch NOW. Grab a coffee and get ready for this exciting news! Hear from our leaders and learn about our exciting product enhancements.

   - Full Product Launch Video (approx. 20 minutes). 
   - Introduction video (View on Vimeo) / Product launch page 

   
   Highlights of the product changes effective February 12, 2022, include:

    

   NEW! 10 pay premium option with Equimax Estate Builder^®

   - The new EquiLiving® 20 pay rider options will be available on Equimax^® plans

   
   NEW! EquiLiving plans and riders enhanced with:

   - 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 …
   
   New Illustration software available on February 11, 2022 
   The updated illustration software will be available for download after 9 a.m. ET on Friday, February 11, 2022, and will include all the Equimax and EquiLiving enhancements.
   
   See the Equitable Sales Illustrations Update for information on how to download the software or check for updates. 
   
   Please review updates to the commission schedule A for these new enhancements.
   
   Learn more
   • Transition rules are available
   • Watch our virtual launch event video now! (Approx. 20 minutes),
   • Watch our product launch intro video here. Watch on Vimeo
   • Visit our launch event page with product change details and more
   • Marketing Materials
   Get ready to make 2022 your best year yet for your sales! 
   
   Please contact your Regional Sales Manager for more information. 
3. [pdf] Pivotal Solutions Fund Facts
4. Equimax Estate Builder® reprice
5. [pdf] Equitable GIF Non-Registered Application
6. Easier than ever with Equitable and EZtransact Equitable^® keeps improving our digital self-serve tool, EZtransact^®. Our latest enhancements make it easier than ever to do business with us.
   
   What's new?
   Dollar cost averaging transaction
   • Advisors can now submit new dollar cost averaging requests through the Fund Switch transaction in EZtransact. A new recurring switch type is available.
   • When submitting a new request, you'll need to enter the amount, frequency, date of transfers, and the funds involved.
   • If a client has an active request, you can change the amount, frequency, date, and funds.
   • After you submit the request, the client will get an email to sign. Once they e-sign, the request goes directly to Equitable.
   
   Other recent enhancements include:
   • Segregated fund withdrawals and fund transfers
   • New dashboard for client search, transaction management enhancements and signing process improvements
   See what advisors are saying about our updates and advance your sales process with EZtransact. If you have questions, contact your Director, Investment Sales.
   
   Date posted: December 11, 2024
7. Levelizing taxes on fixed income investments

   A smart strategy to promote with clients

   Many clients choose fixed income investments because they are more stable and predictable than other investment types. However, there is a downside to this approach that many don’t think about – taxes, which increase as the investment grows. As an advisor, you can help clients reduce some of the money they pay in taxes by suggesting a different approach.

   
   The tax challenge

   In most cases, fixed income investments are taxed yearly. To pay these taxes, clients usually take out some of the interest income earned, and leave the rest invested. This in turn increases the tax that must be paid on the interest earned the next year. As a result, a large amount of the investment income earned each year goes straight to taxes with a growing amount of tax that must be paid each year. You can show clients a solution that can help lower total taxes they pay on their fixed income investments. 

   
   The solution: levelize the tax

   Using participating whole life (WL) insurance as part of a financial solution, you can help clients levelize their annual tax payment. And lower the cumulative tax they must pay on their fixed income investments. 

   
   
   
   How it works 

   Each year the client takes out the full amount of the interest earned on the fixed income investment. They leave only the principal amount. Part of the interest income withdrawn is used to pay the taxes on the fixed income investment. The remaining amount is used to pay premiums for a participating WL policy. Because the client is leaving only the principal amount invested, the tax they pay each year is a levelized amount. This reduces the cumulative taxes they pay over the life of the fixed income investment.
   
   With this solution, the value of the fixed income investment along with the potential value provided by the participating WL policy, can mean a higher estate value. And a lower cumulative tax bill than what can be achieved through only the fixed income investment.
   
   The participating life insurance not only provides valuable life insurance coverage, but also offers tax-advantaged growth and the potential for dividends. 
   
   To help explain this concept to individual clients, feel free to share Levelize the tax on your fixed income investments with participating whole life (1799).
   
   This concept also works with corporate owned participating whole life policies. Feel free to share Levelize the tax on fixed income investments with corporately-owned participating whole life (1874).  

   
   Why it matters

   This solution isn’t just about lowering taxes. It’s about helping clients grow their money, plan for their future, and protect what matters most. As an advisor, guiding clients toward solutions that address both immediate and future needs can set you apart and help build trust.
   
   Contact your wholesaler to learn more.
8. Online sales illustrations

   Providing you flexibility while on the go. 

   We know how important it is to have tools that provide flexibility and convenience when managing your business. That’s why we created web-based sales illustration tools for easy access. You can create a Term, Critical Illness, Whole Life or Universal Life client illustrations from anywhere, anytime!
   
   Useful Features:
   • Save illustrations directly to your dashboard. You can revisit, edit, or complete them whenever you want.
   • Our Term and Critical Illness illustrations integrate with EZcomplete^®. This means you can move from illustration to application easily, with most fields in the first step filled in automatically.
   
   Our web-based tools put everything at your fingertips, so you can keep your business moving while on the go. This is just one of many ways we’ve made it easier to do business with Equitable^®.
   
   Try running an illustration today!
   
   If you have any questions, please reach out to your Equitable Wholesaler.
9. Show term and critical illness illustrations with ratings

   
   Rating options are now available in term and critical illness web illustrations. When you add a rating, the premium changes so clients can see the difference. This makes it easier to compare options and set expectations early.
   
   What’s new
   You can apply ratings to your term and critical illness web illustrations. When you choose a rating, the illustration and report update right away with the new premium.
   
   Benefits
      • Clear side‑by‑side comparisons
      • Illustrated options better fit client’s needs
      • Talk about options with more confidence
   
   How to use the rating feature
     1. In the web illustration, go to Personal Information.
     2. Select the Ratings checkbox.
        • This option also appears when adding a term rider or critical illness rider.
   
     3. Choose the rating type you want to illustrate:
        • Permanent amount (term)
        • Permanent percentage (term and critical illness)
        • Temporary amount (term)
   Once applied, the premium updates automatically and appears in the illustration report.
   
   Important to know
      • Illustrated ratings are for comparison purposes only.
      • When you submit an application, the system removes the illustrated rating.
      • The final rating is determined through underwriting.
   
   Improving your experience with more digital enhancements
   We’re always working to improve the web illustration experience based on your valued feedback.
   Here are some improvements you've asked for:
      • A confirmation box appears showing the rider selected is included in the illustration report.
      • When you’re signed into EquiNet your name and advisor code are included at the bottom of the illustration report.
   New design updates to the illustration reports now make it easier for you and clients to review. Use these clear and refreshed illustrations to help clients get the protection that best meets their needs.
   
   Questions
   Contact your Equitable wholesaler. For specific case support be sure to include:
      • the client name (if applicable);
      • the product (term or CI);
      • screenshot of the illustration settings.

10. The Equimax EVOLUTION Continues Earlier this year, we announced a host of improvements to our Equimax^® Participating Whole Life solution, designed to add value, flexibility, and affordability to an already excellent plan. 
    
    Today we’re pleased to announce the following additional updates took effect on August 12^th, 2023: 
    1. Targeted improvements in rates, death benefits, and cash values for Equimax Estate Builder and Equimax Wealth Accumulator plans. 
    2.  New joint last to die rates for the Wealth Accumulator plans to align with Estate Builder. 
    3.  A new “rated age” calculation, and
    4.  New rates for determining the maximum enhancement amount with the Enhanced Protection dividend option.
    
    Visit our splash page and watch our informative video to learn more and start selling the enhanced Equimax today.
    
       
    
    Refer to our Transition Rules for all the details on processing your applications.
    
    
    Our illustration tools are updated:
    ●  New Web-based illustration software on secure EquiNet^® (log in required)
    ●  New Desktop illustration software 
    ●  New EZstart™ on EquiNet 
    
    Need more information?
    For information on these changes, please contact your Equitable Life wholesaler. 
    
    
    ^® and ^TM denote trademarks of The Equitable Life Insurance Company of Canada.