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  1. Make your next audit a breeze

    New – Online CE Course: Ensuring a Compliant, Needs-based Insurance sale


    When regulators and auditors come knocking on your door, make sure you are prepared. Well documented, needs-based sales evidence may help protect you and demonstrate that you were acting in your clients’ interest. 

    Make your next audit a breeze with the tips you will learn in this course and earn CE credits at the same time (AIC, Advocis and ICM credits available only). 

    “The Approach” to supporting suitable, needs-based sales
     
    The CLHIA recommends six supporting elements to make a suitable, needs-based sale. Equitable® created this reference presentation, “Ensuring a Compliant, Needs-based Insurance Sale” that leverages The Approach to explain the requirements for each step, along with the documentation to retain in the client file.

    Get started now

    A few important notes:
    ● This program is hosted on Teachable: https://equitable-life-education.teachable.com/ 
    ● Username: Please use your email that you are contracted with.
    ● Password: Equitable
    ● Please use Google Chrome to access the courses.

    Get-started-now!-button-(3).png

    Looking for more CE accredited training courses?

    Check out our new individual insurance online learning centre on EquiNet® to stay up to date on new courses and find out more information on the topics provided. 

    Questions?
    Contact your local wholesaler.

    Are you having trouble logging in?
    Email equitablelifemarketing@equitable.ca for assistance.

     
  2. 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.
     
  3. Equitable Sales Illustration System User Tips
  4. Universal life product linked interest option changes

    On July 1, 2025, we will be changing the index that is tracked for the linked interest options shown far below.

    Clients can change their investment options at any time if they choose. This includes the Linked Interest Option(s) for money currently invested and future deposits.

    Requests for this change can be done:
     
    • Online by advisors – Go to Policy Inquiry on EquiNet® (advisor site).
    • Online by clients – Links in Client Access® through Equitable.ca.
    Please contact your Equitable® Wholesaler for more information. 
     
    Linked Interest Option                               Universal life insurance solution Currently tracking Effective July 1, 2025
    Canadian Equity Index   • Equitable GenerationsTM S&P/TSX 60® Total Return Index S&P/TSX Composite® Total Return Index
    Canadian Equity
    • Equation Generation® IV
    • EquiLife®
    • Equation Generation III
    • Equation Generation II
    • Equation
    • Direction 2000 Plus

    S&P/TSX® 60 Total Return Index and S&P/TSX Composite® Total Return Index registered trademarks of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and S&P Global. All others are registered trademarks of The Equitable Life Insurance Company of Canada.
     
  5. New online course available

    Boost your knowledge and earn CE Credits 

    Looking to deepen your understanding of Universal Life insurance and get a new CE Credit?

    Equitable is excited to offer a new addition to our online learning center: The mechanics of Universal Life. Whether you are new to the concept or looking to refresh your expertise, this course will help provide the knowledge you need to start conversations with clients.

    Our CE credit courses allow you to learn at your own pace and earn CE credits quickly and easily.

    Available Courses:
    • The mechanics of Universal Life *NEW*
    • Introduction to Whole Life Insurance
    • Participating Whole Life for the Children’s Market – A head start for tomorrow
    • Path to Success - Expert Advice on Navigating CI Sales  
    • Ensuring a Compliant, Needs-based Insurance Sale
    • Where UL Fits in your product portfolio
    • Building your business with Critical Illness insurance
    • Harness the Power of Whole Life Cash Value

    A few important notes before you get started:
    • The programs are hosted on Teachable: https://equitable-life-education.teachable.com
    • Username: Please use your email address that you are contracted with
    • Password: Equitable
    • Please use Google Chrome to access the courses

    You can earn CE credits right away when you complete these courses.
    Start earning CE Credits!

    Check out the individual insurance online learning centre on EquiNet to stay up to date on new courses. 

    All courses are accredited by Alberta Insurance Council, Insurance Council of Manitoba, The Institute for Advanced Financial Education, and Chambre de la sécurité financière*.

    Questions?
    Contact your local wholesaler.
     
    Are you having trouble logging in?
    Email equitableiimarketing@equitable.ca for assistance.
  6. Boost your knowledge and earn CE credits

    Need continuing education credits?

    Equitable is happy to offer online courses focusing on insurance. The courses allow you to learn at your own pace and earn CE credits quickly and easily. You can earn CE credits right away when you complete these courses. All courses are accredited by Alberta Insurance Council, Insurance Council of Manitoba, The Institute for Advanced Financial Education, and Chambre de la sécurité financière*.
     
    Existing courses:
    1.    Building your business with critical illness insurance
    2.    Ensuring a Compliant, Needs-based Insurance Sale
    3.    Harness the power of whole life cash value
    4.    Introduction to whole life insurance
    5.    Path to Success - Expert Advice on Navigating CI Sales
    6.    Participating whole life for the children's market: A head start for tomorrow
    7.    The mechanics of universal life 
    8.    Where UL Fits in your Product Portfolio


    A few important notes before you get started:
    •    The programs are hosted on Teachable: https://equitable-life-education.teachable.com/
    •    Username: Please use your email address that you are contracted with
    •    Password: Equitable
    •    Please use Google Chrome to access the courses

    Start Earning CE Credits!

    Check out the individual insurance online learning centre on EquiNet to stay up to date on new courses. 

    Questions?
    Contact your local wholesaler.
     
    Are you having trouble logging in or accessing certificates?
    Email equitableiimarketing@equitable.ca for assistance.

    *Please select the course with “QC credits” in the title for La Chambre credits.
  7. New Individual Wealth tools to support client conversations


    Equitable has new resources now available on EquiNet® — each designed to help support client conversations and make it easier to explain investment strategies in a clear and meaningful way. 

     

    New case studies to help support client conversations  *NEW*
    We know some financial concepts can be tricky to explain. To help, we have created a set of straightforward, advisor‑focused case studies designed to deepen your understanding and help you better grasp the mechanics of our product options, understand the “why,” and translate that knowledge into clear, client-friendly conversations.


    The four new case studies cover:

    • Asset rebalancing

    • Householding

    • Resets

    • Segregated funds vs. mutual funds



    Introducing our fund manager spotlight pages 

    You can now find spotlight pages for every fund manager on the Equitable Guaranteed Investment Funds™ platform. Each page will help you get to know each manager’s vision, investment philosophy and mission. 

    Quickly access: 

    • An overview of each fund manager  

    • Mission and investment approach 

    • Available funds on Equitable GIF 

    • Additional value-added content — including videos, helpful links and more. 

     

    New sample portfolios to help guide client discussions

    A new set of sample portfolios designed to help illustrate how different investment styles might align with a client’s goals are now available. These are not recommendations — they are conversation starters. Use them to help clients visualize: 

     

    • How their strategy could look in practice. 

    • Trade-offs between different investment styles. 

    • How various approaches could support long‑term planning. 


    Have questions or want support navigating any of these new resources? Contact your Director, Investment Sales today. 

  8. Path to Success Module 4
  9. Revised Witness Signature Process during COVID-19 for Individual Life and Critical Illness Insurance Revised Witness Signature Process during COVID-19 for Individual Life and Critical Insurance Business

    We are temporarily revising our policy around witness signatures during COVID-19. While the preference is to have a witness when one is available, we understand that may be difficult given our current environment.

    Please follow the options below for witness signature with the first option being most preferable, and the last option being the least preferable:

    1. Signature from a witness who is a disinterested party
    2. Signature from a witness who is a party with an interest
    3. No witness 

    If we receive a form that doesn’t have a witness signature, we will still process the form. Just a reminder this is only temporary during COVID-19.
     
  10. Introducing a new Pivotal Select sales charge option from Equitable Life of Canada

     

    Equitable Life® is adding a No Load Chargeback (NL-CB) sales option to its Pivotal Select™ segregated funds lineup. The new option provides an additional choice to the existing Low Load (LL), No Load (NL) and Deferred Sales Charge (DSC) options. 

    Equitable’s new NL-CB option will provide more choices to both client and advisor. Equitable® offers a competitive initial commission and a 36-month chargeback schedule.

    By offering the choice of four sales charge options, as well as the choice between three distinct guarantee classes: Investment Class (75/75), Estate Class (75/100) and Protection Class (100/100), and a diverse selection of investment funds, the Pivotal Select contract provides the flexibility to build an investment solution that meets the needs of your clients.

    For more information about Equitable’s NL-CB or any of Equitable’s products, contact your local Regional Investment Sales Manager or our Advisor Services team at 1.866.884.7427 Monday to Friday 8:30 a.m. – 7:30 p.m. ET or email savingsretirement@equitable.ca