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2. Backdating of insurance applications – New rule now in effect

   Great news! We are making it even easier for you to do business with Equitable Life®. We now allow backdating of life insurance applications by up to 364 days. Previously, the maximum backdating period was six (6) months.
   
   Backdating can result in lower total premiums for the client over the life of a policy based on their younger age at time of application. But clients must pay all the premiums due for the backdated period up front. Thus, backdating is only beneficial when the total premium savings over the life of the policy are greater than the premium due for the backdated period.
    
   To request backdating beyond six (6) months (up to 364 days)
    No special approval is needed. Simply add a note to the Advisor Sheet requesting backdating or contact us at any time prior to policy issue. This step is only necessary when backdating beyond six (6) months as the application will automatically prompt to save age within the 6-month period.
    
   Note: The maximum backdating period for critical illness (CI) applications remains unchanged at three (3) months.
   
   Questions? Please contact your Equitable Life Regional Sales Manager for more information. 
    
    
    

3. [pdf] Levelize the tax on fixed income investments with corporately-owned participating whole life (corpor
4. Equitable Savings & Retirement Webcast featuring Payout Annuities

   This month, Equitable® highlights payout annuities. We will talk about life annuities, product features, taxation and the benefits that payout annuities can bring to a client’s retirement plan.
   
   Join your host, Deedra Weinstein, Head of S&R Product and Marketing, as she welcomes Nicole Lemon, Product Manager, Savings and Retirement, on Wednesday, November 27, 2024, at 2:00 p.m. ET / 11:00 a.m. PT.

   Learn more
   
   Continuing Education Credits
   This webcast has been accredited for continuing education (CE) credits for all provinces excluding Quebec via the Insurance Council of Manitoba and Alberta Insurance Council. To be eligible for CE credits, you must register individually, watch the webcast in full and complete a short quiz. This webcast is available in English only.
   
   Date posted: November 14, 2024

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7. A strong close to 2024 for our participating account Equitable takes pride in its mutual structure. Our participating clients benefit from the wide range of assets we invest in. We also work to ensure these investments support and strengthen communities across Canada. Thanks to our investment team, participating clients enter 2025 with a strong long-term outlook.
   
   The December 2024 Participating Account Asset Mix Quarterly Update has now been posted.
   
   View the #1360 piece here.
   
   For more information, please contact your local wholesaler.
    
8. Navigating the current markets with Equitable

    

   We know these times are tough for everyone. With the markets being uncertain, we want to reassure you that we're here to support you and our clients.
   
   For the latest updates, please check Equitable’s navigating the current market information page. There you'll find information from us and our partners about the latest in tariff news, what the current landscape means for investors, marketing resources to help clients learn about investing during uncertain times, and more.
       
   As the global situation evolves, we will continue to assist you as we navigate the markets together. Rest assured, Equitable is dedicated to supporting you. When we grow together, success is mutual. 
   
   For any questions, contact your Director, Investment Sales.

   
   Posted April 24
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