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  1. December 30 Deadline for 7% No Load CB5 Initial Commission for Investment Class (75/75)

    As the end of year approaches, so does the temporary increase to our CB5 sales option initial commission from 5.6% to 7.0% on Pivotal Select™ Investment Class (75/75). The 7% initial commission promotion will end on December 30, 2022.*
     

    • Deposits and transfers to CB5 funds for Pivotal Select Investment Class (75/75) must be made by December 30, 2022, at 11:00 a.m. ET. Any deposits received after this date will not receive the promotional rate.
    • Applications submitted before the December 30, 2022, deadline will only receive the promotional rate if also funded before December 30, 2022.
    • If the client is awaiting a transfer from another financial institution, please follow up with the institution to ensure the transfer arrives by December 30, 2022.

     
    For more information, please contact your Equitable Life Regional Investment Sales Manager.
     
    * Equitable Life reserves the right to end the campaign, at any time and without notice.
     
    ™ or ® denote trademarks of The Equitable Life Insurance Company of Canada.

    November 24, 2022

  2. Now better than ever! The updated “Understanding participating whole life insurance” (#1038) is here Our most-viewed client guide has gone through a full update. It now features new Equitable® branding and wording that makes all the difference.

    We’ve rewritten it to help clients grasp concepts like dividends better. And to help clients understand how we invest their premium payments in the participating account. It will help you have conversations with clients about the ins and outs of their participating whole life insurance policies.

    We’ve also refreshed the visuals throughout. The redone 1038 guide is another way we’re showing our wholehearted commitment to our participating policyholders.

    See the EquiNet® marketing materials page to find the updated 1038!

    Want to know more?
    Your Equitable Wholesaler is here to help!
     
  3. 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 12th, 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.

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    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.
  4. Message from Ron Beettam
    As COVID-19 continues to spread, we want to reassure you that we remain ready and committed to support you and your clients.

    We have a robust and well-tested business continuity plan in place and our business is almost 100% digital. Almost 90% of our employees are now working remotely from home and are maintaining the high level of service you have come to expect from us. We still have a fully functioning Document Services Centre that is managing our incoming and outgoing mail. Our sales and customer service teams remain open to support you and your clients. 

    Equitable Life’s online application process, EZcomplete®, offers non face-to-face capability and continues to be your go-to resource for managing your business virtually. We are receiving a record number of online applications and are committed to helping you maintain a certain degree of daily activity. EZcomplete® non-face-to-face works for all life, critical illness and segregated fund applications.

    Advisors will be pleased to know that we have increased non-medical limits for life insurance. We are also looking at other underwriting changes, digital delivery of life insurance contracts and additional digital payment options.

    Our Savings & Retirement advisors will find our new Transaction Authorization Requirements table a valuable resource for submitting forms and documents. Can’t meet with your client in person to get a signature? Not to worry. You can have your  client sign a letter of direction and take a picture to authorize a number of transactions.

    Transacting in a non face-to-face environment can be a challenge but we will continue to revisit existing processes and look for ways to modify requirements to help you to continue managing your business. All of us are facing an unprecedented number of urgent situations where there is no established protocol. Our commitment to you and your clients is to respond quickly, and to be flexible where we can, tailoring solutions to specific needs.

    To stay up-to-date, please refer to Equitable Life’s COVID-19 information page. There you will find the latest information for all lines of business. 

    As the global situation continues to evolve rapidly, we ask for your patience as our solutions also evolve quickly and accordingly. Rest assured that Equitable Life is unwavering in our support, and we will be here to help you protect what matters most to Canadians.

    Ron Beettam, President and CEO
  5. [pdf] Dividend scale interest rate 30-year historical performance
  6. [pdf] Unique Mortgage Protection
  7. [pdf] Taking Care of Business with Term
  8. [pdf] MDRT - Million Dollar Round Table Certifying Letters
  9. [pdf] A head start, for tomorrow
  10. EZcomplete no longer accessible on Internet Explorer
    On February 25, 2021, Equitable Life’s® EZcomplete® e-signature capability, OneSpan, will no longer be accessible using Internet Explorer (IE) browser. This means that advisors and clients should default their browsers to Google Chrome, Firefox, Edge, or Safari.

    If clients try to e-sign the application in IE, they will be redirected to an error page. Advisors will receive a warning. The warning will confirm that IE is no longer supported. To ensure a smooth EZcomplete experience, advisors should consider changing their browser default.

    If you have any questions about this change, contact your Regional Investment Sales Manager or Life Regional Sales Manager.