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  1. Path to Invest
  2. Universal life (UL) enhanced – more options to reach more clients

    Great News!

    Explore the latest enhancements to Equitable Generations™ UL insurance, offering clients greater flexibility to meet their needs.

    What’s new for Equitable Generations UL:
    • Level cost of insurance (COI) option.* Available for new sales to offer even more choice for clients. Here is how these rates compare to Equation Generation IV Level COI:
          • Non-smoker rates have decreased on average by 4% across all ages and bands (Smoker rates have increased on average by 1%).
    • New rate bands. $1M and $5M for Level COI**, making our UL solution more attractive to a wide range of clients. * For Level COI, only Account Value Protector is offered as a death benefit option.
    **The rate bands for Level COI are $25,000, $100,000, $250,000, $500,000, $1 million and $5 million. The rate bands for YRT remain $25,000, $50,000, $100,000, $250,000 and $500,000.

    These enhancements offer a more competitive solution to grow your UL business. See for yourself – run a quote today!

    Equation Generation® IV UL is retired. Equation Generation IV is no longer being offered for new sales effective March 21, 2026.
    We now have the essential UL features in one powerful solution, Equitable Generations UL.

    Video available French and Chinese.

    Please refer to the Transition Rules for all the details on processing your applications. 

    Visit our splash page for full product details

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    More reasons to choose Equitable® for your UL business
    • Wide range of investment choices through some of Canada’s most prominent fund managers (including sustainable investment options).
    • We are the only UL carrier to offer target-date investment options.
    • Guaranteed Investment Bonus.  An annual rate of 0.75% is added to the policy’s account value starting in year 1.
    • No policy administration fees. No Linked Interest Option (LIO) administration fees (except for LIOs that track indices).
    • Caring claim support through our KINDTM program.   

    Need more information? Please contact your Equitable wholesaler.





    03/23/26

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  9. Introducing Equitable EZBenefits: A better group benefits solution for your small business clients If you serve small business owners, chances are they’re looking for a group benefits solution that’s affordable, sustainable and easy to manage. That’s why we introduced Equitable EZBenefits™. It’s a unique group benefits solution designed with you and your small business clients in mind.
     
    Options to fit every need
    Available to organizations with between 2 and 25 employees, EZBenefits offers a range of plan design options to match different needs and budgets. * Whether your client owns start-up or a growing company, we’ve got them covered. Plan options include a mix of Life, Health and Dental coverage. ** Clients can also add Long-Term Disability (LTD) coverage or a Health Care Spending Account (HCSA).
     
    Embedded services to support health and wellness
    To provide employees with added support for both their physical and mental wellbeing, all our plan design options include:
    • Anytime, online access to medical professionals through our Virtual Healthcare solution from Dialogue,
    • Access to professional counselors – via the telephone, the web or in-person – through our Employee and Family Assistance Program from Homewood Health®, and
    • Online resources to help manage health, financial and family challenges through Homeweb, Homewood Health’s online wellness portal.
    Extra HR support for your clients
    EZBenefits also comes with built-in HR support through Equitable Life’s partnership with HRdownloads® This takes the heavy lifting out of common human resource tasks with HR support tools and services, including:
    • HR Technology: An award-winning cloud-based human resource information system to provide help from onboarding to offboarding and everything in between.
    • HR Content: Access to a library of over 3,000 HR documents, templates, compliance resources and articles, with 25 free document downloads.
    • HR Training: A free Workplace Diversity and Inclusion online training course.
    • HR Support: One free Live HR Advice call with a seasoned HR expert.
    A streamlined process to optimize your time
    We know that advising small business clients can be challenging. We’ve created a streamlined benefits process that provides rapid quotes, hassle-free plan implementation, simplified renewals and that is easy to administer. That way, you can spend more time advising your clients and building your business – and less time with administrative back and forth.
     
    Pricing stability for long-term stability
    When it comes to attracting and retaining talent, we know your small business clients are competing with larger organizations that have big budgets and lots of resources. That’s why we’ve designed EZBenefits to provide long-term pricing stability for health and dental benefits.
     
    Find out more
    Watch this video to learn how EZBenefits can help you and your clients. You can also visit info.equitable.ca/ezbenefits for more details or to request a quote. If you have questions, contact your Equitable Life Group Account Executive. If you don't have an Equitable Life Group Account Executive, email us at EZBenefits@equitable.ca.
     

    * Not available in Quebec.
    ** Dental coverage is not included with the Bronze plan design option.
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