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1. Open doors with our updated CI & UL solutions! Have you heard the news? On October 8th, we rolled out several updates to our competitive Equitable^® product lineup—including our Critical Illness (CI) and Universal Life (UL) plans. 
   
   These updates are all about cost savings for clients and helping advisors like you grow your business. And the response has been fantastic!

   
   What’s new for CI and UL?

   1. Lower monthly costs for new EquiLiving^® critical illness (CI) policies paid monthly – hello savings!

   •    The monthly modal factor for CI decreased from 0.09 to 0.0867.
   •    The monthly policy fee decreased from $4.50 to $4.34.
   
   *Note:  EquiLiving premium rates and annual policy fees have not changed. 
   
   2. Lower monthly costs for UL policies with CI riders added – now it’s more affordable to add CI coverage when selling UL!

   
   
   Commissions got a makeover too

   Good news! Commissions on Term and EquiLiving CI policies are now calculated based on the total premium paid for the policy year—even if clients opt for monthly payments. No more annual premium commission calculations!
   
   Learn more! 
   
   Questions? Contact your Equitable wholesaler for all the details.
   
   Cheers to savings and growing your business with Equitable!
   
   
   
   
   
   ^® or ^TM denotes a trademark of The Equitable Life Insurance Company of Canada.

2. New 350 Life and CI Applications

   On August 2^nd, 2023, Equitable Life^® will be updating the privacy and legal sections on some forms. This includes the form 350 Paper Application for Life and/or Critical Illness Insurance. This change will also be applied on our websites and our online application EZComplete^®. These changes are part of Bill 64. The Bill is about the protection of personal and private information in Quebec. This will take effect on September 1^st, 2023.
   
   Due to this change, we ask all advisors to use the latest version dated May 2023 of the paper application after August 2^nd. Applications in Quebec must use the lastest version from September 1, 2023 onwards. 
   
   For all regions outside Quebec, we will support a transition period from ‘old’ to ‘new’ applications until December 31^st, 2023. After this date, we will no longer accept older versions of our Life and Critical Illness application.
   
   
   
   
   
   
   
   
   To make sure you are using the latest version of the application, check the date on the title page. It should say May 2023. See the image below:
   
   
   
   To order paper copies, click here.
   
   Email completed applications to supply@equitable.ca.
   
   To learn more about Bill 64, please visit Assemblee nationale du Quebec - Bill 64. You may also contact your wholesaler.
   
   ^® denote a registered trademark of The Equitable Life Insurance Company of Canada.

3. Application cloning option now available on EZcomplete As of September 10^th, you will now have the option to clone any Life Insurance and Critical Illness applications that is showing on the EZcomplete dashboard. “Cloning” means the information that has been completed in the existing application is duplicated in a new application.
    
   This feature is meant for situations where multiple applications are being completed and at least one of the parties (the policy owner or insured person) is the same. For example, a single policy owner might own policies on the lives of each of their children. Cloning the application will save re-typing the information about the policy owner into each application.
    
   Please note the following important details regarding cloning:
    
   • Cloning the application will duplicate all information that has been completed in the existing application into the new application.
   • In the family situation described above, the information about the policy owner should be completed in the original application. The application should then be cloned before entering any information about the insured person, as there will be a different insured person for the new application.
   • Cloning applications can be convenient, but it carries risk. It is imperative that the advisor review every section of the new cloned application to ensure that the information is meant to apply to the new application. If an advisor incorrectly includes information about an individual in the new application, this could give risk to a privacy breach or to liability for the advisor if the questions are answered incorrectly for that individual.
   • If the application was submitted and is no longer on the dashboard you will not have the option to clone it.
   • You will not be able to change the product type on a cloned application so if you need to select a different product, you will need to start a new application.
   • Any documents that were attached to the previous application will not be cloned. The documentation will need to be attached again if required.
   • All information from an existing application will be duplicated to the cloned app up to the Signatures step (step 8). Signatures/advisor report will need to be obtained and completed again on the new cloned application.
    
   Resources
   • EZcomplete FAQ
    
   Please contact your Regional Sales Manager for more information
    
4. Investment loans
5. Investment loans
6. Large insurance case? Expert help starts here.

   Ask our Experts Episode 3

   At Equitable, we’re committed to the large case market. Our dedicated team of experts have a wealth of knowledge and experience. They’re here to support you and to help get your large case from application through to policy placement. 
   
   Today, we are thrilled to share the third episode of Ask our Experts featuring Mark Warywoda, Public Investments VP. Watch it now! 
   
   Mark shares his thoughts on:
   • The benefits of Equitable’s PAR fund
   • The key advantages of mutuality
   • The golden rule of investing: staying focussed on the long term.
   
   In case you haven’t seen it…
   • Watch Ask our Experts Episode 1 with Cindy Shirley, Chief Underwriter and Claims Risk Management. 
   • Watch Ask our Experts Episode 2 with Kevin Till, AVP of Individual Life Pricing. 
   
   
   
   
   
   Learn more:
   Visit our large case markets webpage to learn more about our team of dedicated experts. 
   
   Do you have a large case opportunity? Talk to your wholesaler to learn more. 
7. Navigating the current market
8. Did you miss our Equimax update in December?
   Equimax – a better and stronger solution!
   
   Discover the latest Equimax updates

   
   Great news! We’ve made further updates to our Equimax^® insurance solution to better serve clients.  
   
   Here are some of the changes:
   
   ● A new guaranteed 10 pay premium option for Equimax Wealth Accumulator^®. 
   ● You can now add an Excelerator deposit option (EDO) on Equimax Estate Builder^® and Wealth Accumulator plans with a 10 Pay premium option (term rider not required at issue of the policy). 
   ● We increased our flexibility with EDO. This will make it easier for clients to stop and start EDO contributions without losing their maximum approved contribution room. On top of that, these changes will apply to all inforce policies. A single set of EDO rules will apply to every Equimax policy whether it’s issued tomorrow or 10 years ago, making it simpler to help clients manage their policies. 
   ● We increased the maximum amount of Equimax coverage that can be applied for without a special quote from $20M to $25M.
     
   
   
   
   
   Equimax is now an even better and stronger solution. For a full breakdown of these product updates visit our splash page.
   
     
   
   *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.

9. Product Enhancements - 10 Pay Equitable Life has exciting product enhancements that will help you offer more options to clients. 
   
   Access our Virtual Product Launch NOW. Grab a coffee and get ready for this exciting news! Hear from our leaders and learn about our exciting product enhancements.
   
   NEW! 10 pay premium option with Equimax Estate Builder®
   • The new EquiLiving® 20 pay rider options will be available on Equimax® plans
   New Illustration software available on February 11, 2022 
   The updated illustration software will be available for download after 9 a.m. ET on Friday, February 11, 2022, and will include all the Equimax and EquiLiving enhancements.
   
   See the Equitable Sales Illustrations Update for information on how to download the software or check for updates. 
   
   Please review updates to the commission schedule A for these new enhancements.
   
   Learn more
   • Transition rules are available
   • Watch our virtual launch event video now! (Approx. 20 minutes)
   • Watch our product launch intro video here
   • Visit our launch event page with product change details and more here
   • Marketing Materials
   Get ready to make 2022 your best year yet for your sales! 
   
   Please contact your Regional Sales Manager for more information. 
10. Give clients guaranteed retirement income with Payout Annuities
    With increased market volatility and interest rates higher than we have seen for much of the past decade, now is a great time to consider payout annuities. Payout annuities can provide regular guaranteed income regardless of how markets perform. 
     
    Clients using only a Systematic Withdrawal Plan (SWP) for retirement income are potentially vulnerable during times of market volatility due to the sequence-of-returns risk.¹ When markets are down, more units are redeemed to cover income needs. When markets later rise, clients are not able to participate fully in the recovery because more units were redeemed to provide income. That is why having a guaranteed income component, like a payout annuity, as part of an overall retirement strategy is so important.
     
     
    Three great reasons to consider Equitable Life® for your payout annuity business:
    
    1. Choose from a variety of payout annuity options including:
       
         A. Life Annuity – guaranteed income for one life
         B. Joint Life Annuity – guaranteed income for two lives
         C. Term Certain – guaranteed income for a specific period of time (5 to 30 years)
         D. Term Certain to Age 90 – guaranteed income until age 90
    
    2. Attractive rates, particularly in Registered and Term Certain Annuities
    
    3. Step Up Your Wealth Sales program - 25% of payout annuity net sales qualify for the 0.75% bonus commission earned on net deposits for 2022²  
    
    
    
    For more information, please contact your Equitable Life Regional Investment Sales Manager.
     
     
    ¹Sequence-of-returns risk, or sequence risk, is the risk that an investor will experience negative portfolio returns very late in their working life and/or early in retirement.
     ²All eligible deposits, sales, and redemptions occurring between January 1 and December 31, 2022, will be used to calculate an advisor’s 2022 net deposits.
     ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.