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Policy contract changes for residents of Quebec Starting June 1, 2023, there will be new language rules for any “contracts of adhesion”, including insurance policy contracts, in Quebec. These changes are part of Bill 96, which is about respecting French as the official and common language of Quebec.

At Equitable Life, we have made some changes to our contract processes to support this new requirement.
Starting after May 23, 2023, clients who live in Quebec will always get a copy of their insurance policy contract in French, regardless of language preference.
- We will only send the English copy to the policy owner if they specifically ask for it. In that case, we would also send a French copy.
- For clients who request a copy of their policy contract in French, there is no change. We pride ourselves in respecting the needs of our clients.

If you want to learn more about these language changes, visit Assemblee nationale du Quebec - Bill 96. You may also contact your wholesaler.
Path to Success modules now available on EquiNet!
The Path to Success Critical Illness course module PDFs and videos are now available on the Critical Illness EquiNet page. The Path to Success program gives you access to specialized topics about Critical Illness Insurance, why it matters for your clients, and how to make an effective sale.

Learn about:
- Overcoming objections to Critical Illness Insurance
- Pivoting from other products to Critical Illness Insurance
- How to position and design the Critical Illness solution
…and more!

We have made the expert information from Path to Success available to you to review at anytime. However, if you wish to earn CE credits, you may continue to access the course through our Path to Success program website.

Questions about the program? Visit the Critical Illness page on EquiNet or contact your local wholesaler.
Equimax® Participating Whole Life – A whole life solution for everyone Recently, we made some exciting changes for Equimax Estate Builder^® and Equimax Wealth Accumulator^®.

These enhancements, launched in February, make Equimax the preferred solution for clients and their families. In particular, buying a whole life solution for children gives them a head start for tomorrow. Life insurance on a child gives them:
- Permanent insurance at children’s rates
- A stable tax-advantaged investment option
- A boost in financial planning

Watch our new Equimax for Children video to learn more. View on Vimeo or YouTube.

Plus, visit our Equimax product page on EquiNet^®, then click on the Marketing Materials tab for the latest Equimax marketing materials.

Need more information? Please contact your local wholesaler.

_{^® denotes trademarks of The Equitable Life Insurance Company of Canada.}
Critical Illness Insurance Update Path to Success CI program
This program was designed with you, the Advisor, in mind. It gives you ideas and scripts that you can use in your conversations with clients about Critical Illness. Catch a sneak preview below!

The three realities of health care are:
- Incidence of being diagnosed with a critical illness is exceptionally high
- No one is immune
- Survival with consequence; even if one survives a critical illness, the financial and emotional consequences are significant

Want to know more?
Visit the Critical Illness Path to Success page on EquiNet
Earn CE credits through the Path to Success program!

What’s new with CI?
If you missed some of our updates, check them out below!
- June was Brain Injury awareness month… Check out some of our posts on our social media channels! LinkedIn | Facebook | Twitter | Instagram
- EZcomplete now automatically displays Critical Illness insurance premiums
- Cloud DX signs contract with Heart Centre
For more information, reach out to your local wholesaler.
What’s the story behind Equitable’s new brand? We are excited to share some more insight into the news of Equitable’s new brand.

Our new brand isn’t just a logo change.
Our new brand reflects our deeply rooted dedication to our clients. Over the next year, we will make the transition to our refreshed look. The new brand illustrates our focus on strong partnerships and making it even easier for you to do business with us.

Check out the Beyond the Logo video featuring our executive team sharing how the new brand embodies our commitment to advisors.

We’ll provide more details on the changes we’re making, and we welcome you to join in the journey. Please reach out to your Equitable point of contact or visit equitable.ca to learn more.

Posted December 4, 2023
Equitable’s New Brand – The Power of Together!
On November 1, 2023, we unveiled our new brand and announced the shortening of our brand name to Equitable^®. The rebranding includes a fresh new look, and a forward-looking vision for the future – one that honours our 103-year history and our unwavering commitment to clients.

As we start 2024 with a renewed sense of purpose and commitment to clients, together with you, we are more determined than ever to provide more value and impact – to protect today and prepare tomorrow for our clients.

“At Equitable, we champion the power of togetherness. It’s a mindset that drives our behaviours, decisions, and actions to power equitable outcomes for our clients, advisors, and partners,” said Fabien Jeudy, President, and CEO, Equitable.

View the Power of Together video to learn more about Equitable’s renewed purpose and dedication to clients:

View on Vimeo

Questions about our new brand? Please contact your Equitable wholesaler or visit equitable.ca.

^® or ^TM denotes a trademark of The Equitable Life Insurance Company of Canada.
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.
Product updates - See our latest!
Good news! The updates to Equitable’s individual insurance solutions, scheduled for October 5^th, 2024, as announced last week, are now in effect!

What’s new in this product update?

1. A new premium rate band for Equimax^® policies with $5 Million and more of basic life insurance coverage.

2. A new illustration for switches from Paid-up Additions (PUA) to the Cash dividend option when premium offset is selected.

3. A new way to calculate commission on Equimax life insurance, Term life insurance, and EquiLiving^® critical illness insurance plans when clients choose monthly payments.

4. A new life Evidence of Insurability Schedule (Form #1343)

…and there’s more!

Visit our new splash page for a complete summary of the product changes, our latest video, and links to our sales tools and important resources:

*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.

^® or ^TM denote trademarks of The Equitable Life Insurance Company of Canada.
Do you have clients considering a First Home Savings Account in 2024?
We want to help clients save money for their first home. A First Home Savings Account (FHSA) is a registered plan allowing prospective first-time homebuyers to save for their first home tax-free up to $8,000 a year or a lifetime contribution limit of $40,000.

With the Equitable^® FHSA, they can put their money to work right away. Available on Pivotal Select™ Investment Class (75/75) and Pivotal Select Estate Class (75/100) and Daily/Guaranteed Interest Account (DIA/GIA), Equitable offers clients an array of investment products to suit their individual needs and risk tolerance.

Do not wait. Get clients started today!

To open a FHSA or DIA/GIA for clients, log in to EZcomplete^®, our highly rated online application tool. It is easy to use, convenient, and fast.

For more information on FHSA or DIA/GIA, including a FAQ and client materials, visit EquiNet^® or contact your Director, Investment Sales. 

Date posted: October 16, 2024
There is still time to set up a First Home Savings Account in 2024
A First Home Savings Account (FHSA) allows prospective first-time homebuyers to save for their first home. The plan is tax-free and allows annual contributions up to$8,000 a year or a lifetime contribution limit of $40,000. If you have a client who wants to buy a first home, start them on their path to home ownership with a FHSA.

With Equitable’s FHSA or Daily/Guaranteed Interest Account (DIA/GIA), they can put their money to work right away. Available on Pivotal Select™ Investment Class(75/75) and Pivotal Select Estate Class (75/100) and Daily/Guaranteed Interest Account (DIA/GIA), Equitable offers clients an array of investment products to suit their individual needs and risk tolerance.

Do not wait. Get clients started today!

For more information on FHSA or DIA/GIA, including a FAQ and client materials, visit EquiNet^® or contact your Director, Investment Sales. 

Date posted: November 13, 2024