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  1. Step Up Your Wealth Sales with Equitable Life! Welcome to the Step Up Your Wealth Sales program with Equitable Life® . You will be rewarded with a growth bonus for doing more business with Equitable Life in 2023!

    The program rewards advisors who promote Equitable Life’s Savings & Retirement products to existing and new clients as part of an overall investment strategy based on client needs.  

    Commission Bonus Calculation:
    Gross deposits into segregated funds
    + Gross deposits into Guaranteed Interest Account (GIA) contracts
    + 25% of payout annuity sales
    - Segregated fund redemptions
    - GIA redemptions
    = 2023 Net Deposits

    All deposits, sales, and redemptions occurring between January 1 and December 31, 2023, will be used to calculate an advisor’s 2023 net deposits. 
     
    Tier 2023 Net Deposits Bonus Rate*
    1 Less than $250,000 $0
    2 $250,000 - 499,999 .25%
    3 $500,000 – 749,999 .50%
    4 $750,000+ .75%
    5 Elite Advisor re-qualifiers1 1.00%


    * The bonus amount will be calculated at the end of 2023 based on net deposits. The bonus will be paid within 90 days following December 31, 2023.  Maximum bonus payable is $100,000 for Elite Advisor re-qualifiers; $75,000 otherwise.

    For more information, download our flyer or contact your Equitable Life Regional Investment Sales Manager.

    Equitable Life is committed to offering advisors and clients product, service, and feature choices that best suit their needs. We offer multiple sales charge options, three distinct guarantee classes, and a diverse selection of investment funds to align with clients’ unique needs.  

    Posted:June 26, 2023
     
    ™or ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
    1  Elite Advisor re-qualifiers are advisors who attained Elite status as of end of 2022 and maintain Elite status at the end of 2023. To attain 2023 Elite Advisor status, an advisor must have $1,250,000 in gross deposits in at least 5 policies or $10,000,000 in assets. 

  2. Let’s talk about Critical Illness insurance, the Equitable way. Having critical illness insurance benefits in an important time of need is so valuable. Get the right critical illness insurance coverage for your clients.

    In 2022, we made some significant updates to our EquiLiving® Critical Illness insurance plans to provide better choices and features for clients.

    These significant updates included:
    ●  The addition of Acquired Brain Injury as a covered condition
    ●  The addition of 20 pay options allowing more choice when choosing the right plan for your clients
    ●  The removal of the age restriction for juveniles to claim for Loss of Independent Existence

    Plus, a Canadian first, the addition of Cloud DX. Cloud DX is a value-added service that provides remote patient monitoring to claimants in addition to the full critical illness benefit paid by Equitable Life®. Cloud DX delivers medical grade hardware directly to the client so that Cloud DX can remotely monitor their vitals to help ensure they are on and stay on the road to recovery.





    View our new Critical Illness video on YouTube or Vimeo!

    With these updates and more, EquiLiving Critical Illness Insurance is there for clients, not only at time of their claim but also during their recovery. To learn more about Critical Illness insurance, the Equitable way, contact your local wholesaler.
     


    *Cloud DX is a non-contractual benefit and may be withdrawn or changed by Equitable Life® at any time. To be eligible for the Cloud DX offering, a claimant must be age 12 or older and have received payment on or after February 12, 2022 for a covered critical condition benefit under an individual critical illness insurance policy issued by Equitable Life. An early detection benefit payment does not qualify.   Equitable Life pays for 6 months of Cloud DX subscription fees.  If the claimant wishes to continue the Cloud DX service after 6 months, they will be responsible for the cost.
     
    ® and TM denote trademarks of The Equitable Life Insurance Company of Canada.
     
  3. New Dividend Scale Effective July 1, 2023! Equitable Life’s Board of Directors has approved a change to the dividend scale* for the period July 1, 2023, to June 30, 2024.

    - The interest rate we use for the dividend scale will go from 6.05% to 6.25% on July 1, 2023.
    - Other factors used to decide the dividend scale will stay the same.
    - The interest rate for participating whole life policies with dividends on deposit will stay the same at 2.25%.
    - The policy loan interest rate** will go from 6.20% to 6.50% on June 30, 2023

    More good news!
    Once the next dividend scale year starts, we expect policyholder dividends to be close to $105 million until the end of June 2024.

    Learn more
    - Advisor Dividend Scale Notice
    - Client Dividend Scale Notice
    - Dividend Information Page




    Did you miss our virtual Spring Update & 2023 Dividend Scale Announcement? Watch it now:
    English.png French.png Chinese.png
    (*The French and Chinese events will be partially in English, with sub-titles on screen).
     

    TOGETHER – Protecting Today – Preparing Tomorrow™
    As a MUTUAL we provide financial security DIFFERENTLY by focusing exclusively on our CLIENTS.

    *Dividends are not guaranteed and are paid at the sole discretion of the Board of Directors. Dividends may be subject to taxation. Dividends will vary based on the actual investment returns in the Participating Account as well as mortality, expense, lapse, claims experience, taxes, and other experience of the participating block of policies. Changes in the dividend scale do not affect the guaranteed premium, guaranteed cash values, or guaranteed death benefit amount.  A copy of Equitable Life’s Dividend Policy and Participating Account Management Policy can be found on our website at www.equitable.ca.
     
    ** This applies to all new and active policy loans, including automatic premium loans. This change is for Equimax® policies that have a 9-digit policy number beginning with a “3” or an “8”. Some older policies may have other loan rates as they are based on the prime interest rate.
  4. New publication: CLHIA consumer guide for critical illness In February, the Canadian Life and Health Insurance Association (CLHIA) published a new consumer guide for critical illness. This guide covers what clients need to know about critical illness.

    Some of the topics include:
    ● What critical illness insurance covers in Canada
    ● If critical illness insurance is the right choice for a client
    ● What critical illness insurance policies may or may not include
    ● Plan types and offerings
    ● And more!

    Equitable is committed to helping clients make informed decisions about their insurance needs. You can find links to the CLHIA critical illness consumer guide on equitable.ca and through EquiNet > Individual Insurance > Critical Illness. You can also find a link to the CLHIA agent guide for critical illness on EquiNet.

    Share this with clients in addition to the great resources below!

    Critical illness insurance with Equitable video: View on Vimeo.

    Critical illness prospective letter template – simply fill it out and send off to your clients!

    Want to earn CE credits? Check out our Critical Illness Path to Success program.

    Need more information?
    Your Equitable Wholesaler is here to help!



    ® and TM denote trademarks of The Equitable Life Insurance Company of Canada.
  5. Equitable 2024 dividend scale!

    Equitable’s Board of Directors has approved a new dividend scale for the period of July 1, 2024, to June 30, 2025.

    ● The interest rate* we use for the dividend scale will change. It will go from 6.25% to 6.40% on July 1, 2024.
    ● Other factors used to decide the dividend scale will remain the same.
    ● The interest rate for policies with dividends on deposit will change. It will go from 2.25% to 3.50% on July 1, 2024.
    ● The interest rate for most policy loans will remain at 6.50%. This applies to both new and existing policy loans, and automatic premium loans. It specifically applies to Equimax® policies with a 9-digit policy number that starts with either "3" or "8". Older policies may have different loan rates as they are based on the prime interest rate.

    Learn more:
    ● 2024 Advisor Dividend Scale Notice
    ● 2024 Client Dividend Scale Notice
    ● Dividend Information Page 





    Did you miss our Spring update & 2024 Dividend Scale announcement? Watch it now: 
    English-Button.jpeg French-Button.png Chinese-Button.png
    (*The French and Chinese events will be partially in English, with sub-titles on screen).

     





    *The dividend scale interest rate (DSIR) is different from the participating account (PAR) rate of return. The PAR rate of return is the return on the investments in the participating account over the calendar year. The DSIR smooths out the ups and downs of the participating account experience.
  6. Summer is here and so is our new dividend scale

    Equitable’s Board of Directors has approved a new dividend scale for the period of July 1, 2024, to June 30, 2025.

    ● The interest rate* we use for the dividend scale will change. It will go from 6.25% to 6.40% on July 1, 2024.
    ● Other factors used to decide the dividend scale will remain the same.
    ● The interest rate for policies with dividends on deposit will change. It will go from 2.25% to 3.50% on July 1, 2024.
    ● The interest rate for most policy loans will remain at 6.50%. This applies to both new and existing policy loans, and automatic premium loans. It specifically applies to Equimax® policies with a 9-digit policy number that starts with either "3" or "8". Older policies may have different loan rates as they are based on the prime interest rate.

    Learn more:
    ● 2024 Advisor Dividend Scale Notice
    ● 2024 Client Dividend Scale Notice
    ● Dividend Information Page 





    Did you miss our Spring update & 2024 Dividend Scale announcement? Watch it now: 
    English-Button.jpeg French-Button.png Chinese-Button.png
    (*The French and Chinese events will be partially in English, with sub-titles on screen).








    *The dividend scale interest rate (DSIR) is different from the participating account (PAR) rate of return. The PAR rate of return is the return on the investments in the participating account over the calendar year. The DSIR smooths out the ups and downs of the participating account experience.
  7. Equitable offers a fresh approach to guaranteed investing


    Please take a few minutes to watch the video.  


    Equitable’s Daily Interest Account and Guaranteed Interest Accounts offer a fresh client-focused approach within a digital business solution.  

    Clients will appreciate:  

    • • Market leading1 interest rates with even higher rates available for larger deposits  

    • • Options to invest up to age 952. 





    Advisors will value: 

    • Enhanced rate guarantees to secure the best rates available for clients, 

    • A simplified product design to save you time. 


    Equitable® is committed to offering valuable guaranteed investment solutions in a competitive market. Our fresh approach to guaranteed investing makes Equitable’s Daily Interest Account or Guaranteed Interest Account an easy choice.  

    Learn more about Equitable’s Daily and Guaranteed Interest Accounts  

     

     

    1 Equitable has made every effort to ensure accuracy of competitive information as of July 22, 2024. Accuracy is not guaranteed. 
    2 Some available term lengths may be limited starting at age 90.  

    ® or ™ denotes a trademark of The Equitable Life Insurance Company of Canada.  

    Posted July 22

  8. Step Up Your Wealth Sales with Equitable! Welcome to the Step Up Your Wealth Sales program with Equitable®. 

    The program rewards advisors who promote Equitable’s Savings & Retirement products to existing and new clients as part of an overall investment strategy based on client needs.  

    Commission Bonus Calculation:
    Gross deposits into segregated funds
    + Gross deposits into Guaranteed Interest Account contracts
    + 25% of payout annuity sales
    - Segregated fund redemptions
    - GIA redemptions
    = 2024 Net Deposits

    All deposits, sales, and redemptions occurring between January 1 and December 31, 2024, will be used to calculate an advisor’s 2024 net deposits.
     
    Tier 2024 Net Deposits Bonus Rate*
    1 Less than $250,000 $0
    2 $250,000 - 499,999 .25%
    3 $500,000 – 749,999 .50%
    4 $750,000+ .75%
    5 Elite Advisor re-qualifiers1 1.00%

    * The bonus amount will be calculated at the end of 2024 based on net deposits. The bonus will be paid within 90 days following December 31, 2024.  Maximum bonus payable is $100,000 for Elite Advisor re-qualifiers; $75,000 otherwise.

    For more information, download our flyer or contact your Regional Investment Sales Manager.

    Equitable is committed to offering advisors and clients product, service, and feature choices that best suit their needs. We offer multiple sales charge options, three distinct guarantee classes, and a diverse selection of investment funds to align with clients’ unique needs.  
     

    Posted: February 7, 2024
     
    ™or ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
    1Elite Advisor re-qualifiers are advisors who attained Elite status as of end of 2023 and maintain Elite status at the end of 2024. To attain 2024 Elite Advisor status, an advisor must have $1,250,000 in gross deposits in at least 5 policies or $10,000,000 in assets.

  9. Positioning for the Future Over the past few years, we’ve made great progress on our five-year strategic plan. Our Individual Insurance new business sales grew 24% over the previous year, compared to an 8% market growth. We’ve introduced refreshed products, services and technology. Looking ahead, we want to keep our momentum and ensure we also look beyond the next five years. To be successful in this, we’re making some changes to our current structure.

    We’re pleased to announce that Martin Reeves has been promoted to Executive Vice-President, Individual Insurance. Martin has served in key positions during his time at Equitable including Vice President, Actuarial and Finance and most recently as Head of Individual Insurance Business. Martin is a talented leader. His 20 years of industry experience spans the globe having served in leadership positions in Canada, Hong Kong and Malaysia. His passion for delivering leading insurance solutions to Canadians has been instrumental to Equitable’s recent success. Martin will join Equitable’s executive team and will report to Fabien Jeudy, Chief Executive Officer.  

    Martin steps into this role as Donna Carbell accepts a new position as Executive Vice-President, Chief Strategy and Impact Officer. Donna will remain on the executive team and continue to lead Equitable’s brand and impact efforts. Donna will add Equitable’s corporate strategy to her accountability, overseeing the company’s strategic initiatives. These initiatives support our aspirations of becoming fully driven by client outcomes in a way that is simple, safe and rewarding for our clients, partners and employees. We would like to thank Donna for her incredible leadership of the Individual Life business these past several years.