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  1. Fidelity Investments Canada
  2. Show term and critical illness illustrations with ratings


    Rating options are now available in term and critical illness web illustrations. When you add a rating, the premium changes so clients can see the difference. This makes it easier to compare options and set expectations early.

    What’s new
    You can apply ratings to your term and critical illness web illustrations. When you choose a rating, the illustration and report update right away with the new premium.

    Benefits
       • Clear side‑by‑side comparisons
       • Illustrated options better fit client’s needs
       • Talk about options with more confidence

    How to use the rating feature
      1. In the web illustration, go to Personal Information.
      2. Select the Ratings checkbox.
         • This option also appears when adding a term rider or critical illness rider.

      3. Choose the rating type you want to illustrate:
         • Permanent amount (term)
         • Permanent percentage (term and critical illness)
         • Temporary amount (term)
    Once applied, the premium updates automatically and appears in the illustration report.

    Important to know
       • Illustrated ratings are for comparison purposes only.
       • When you submit an application, the system removes the illustrated rating.
       • The final rating is determined through underwriting.

    Improving your experience with more digital enhancements
    We’re always working to improve the web illustration experience based on your valued feedback.
    Here are some improvements you've asked for:
       • A confirmation box appears showing the rider selected is included in the illustration report.
       • When you’re signed into EquiNet your name and advisor code are included at the bottom of the illustration report.
    New design updates to the illustration reports now make it easier for you and clients to review. Use these clear and refreshed illustrations to help clients get the protection that best meets their needs.

    Questions
    Contact your Equitable wholesaler. For specific case support be sure to include:
       • the client name (if applicable);
       • the product (term or CI);
       • screenshot of the illustration settings.

  3. About
  4. Banking Changes
  5. [pdf] Custom Quote - Payout Annuity
  6. [pdf] myFlex Options Overview
  7. Step Up Your Wealth Sales with Equitable Life


    Step up your wealth sales with Equitable Life® and you’ll be rewarded with a growth bonus for doing more business in 2022.  Make this year your best year ever with Equitable Life!
     
    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
    = 2022 Net Deposits
     
    All eligible deposits, sales, and redemptions occurring between January 1 and December 31, 2022, will be used to calculate an advisor’s 2022 net deposits.

    Salestable.png

     
    * The bonus amount will be calculated at the end of 2022 based on net deposits. The bonus will be paid within 90 days following December 31, 2022. Maximum bonus payable is $75,000.
     
    For more information, download our flyer or contact your Equitable Life Regional Investment Sales Manager.
     
    And as a reminder, we increased the CB5 sales option initial commission from 5.6% to 7.0% on Pivotal Select™ segregated funds. The 7% initial commission is effective from May 20 to August 31, 2022 only.** Learn more.
     
    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 advisors’ and clients’ unique needs.  

     
     
    ** Equitable Life reserves the right to end the campaign, at any time and without notice.
    ™or ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
  8. Updated Temporary Resident Guidelines We are excited to announce that we have liberalized our Temporary Resident Guidelines.

    ● The validity period requirement of the supporting documentation for all Temporary Residents has been lowered to three months
    ● Student Visa holders attending post secondary educational institutions may qualify for a total coverage of $500,000, and – if employed – even for $1,000,000  

    We will now ask for the following information:

    ● Information regarding the educational institution and programme for all amounts over $250,000 (typically includes online validation)
    ● A maximum of $500,000 may be available for students enrolled in professional programmes, as defined in our Student Financial Guidelines (e.g., medical, law, etc.)
    ● A maximum of $1,000,000 may be available for students who are legally and gainfully employed. For this, we require proof of current employment and the CRA Notice of Assessment for the previous year. Should both be satisfactory, the allowable face amount will be calculated according to the published Work Permit guidelines. If applying for over $500,000, a minimum one-year period after arrival to Canada is required.
    ● Students enrolled in elementary or secondary school are eligible for a total coverage of $250,000. Exceptions may apply if the parents are insured or applying for minimum $1,000,000. We will confirm the parents’ respective occupations, incomes, and residency statuses

    Read more about the details of the changes in the updated Residency Guidelines form 1530.

    Please contact your Regional Sales Manager for more information. 
  9. An important announcement about our Travel Assist provider Allianz Global Assistance, our Travel Assist emergency medical assistance provider, has informed us that it is exiting the Canadian group travel insurance market.
     
    Allianz will continue to accept and support new claims up to June 30, 2023, and they will support ongoing claims until Dec. 31, 2023.
     
    We are already meeting with potential new Travel Assist partners and plan to have a provider in place before June 30, 2023.
     
    In the meantime, we are working closely with Allianz to help ensure a smooth and seamless transition for your clients and their plan members. Allianz is committed to maintaining its staff to meet and exceed service levels throughout the transition, as follows:
     
    Before July 1, 2023:
    Allianz will continue to accept calls and open new claims up to June 30, 2023. Any claims opened on or prior to June 30, 2023, will continue to be processed by Allianz until Dec. 31, 2023.
     
    After July 1, 2023:
    New cases will be directed to our new service provider. Allianz will work alongside us and our new provider to make this transition as simple as possible.
     
    After Dec. 31, 2023:
    For any cases still open as of Dec. 31, 2023, Allianz will work with our new service provider to responsibly transfer these cases while ensuring a seamless client experience.
     
    We will communicate this news next week to your clients who have Travel Assist coverage on their plan. And we will continue to communicate more details to you about this transition in the coming weeks.
     
    If you have any questions, please contact your Group Account Executive or myFlex Sales Manager.
  10. Join us for an Equitable Life Master Class webcast featuring Daryl Diamond, Dynamic Funds

    Building Your Business in the Retirement Income Market featuring Daryl Diamond, Chief Retirement Income Strategist, Dynamic Funds 

    You’re invited to our next Equitable Life Master Class webcast offering compelling topics and unique ideas from leading experts to help you manage and grow your business. 

    Daryl Diamond is an author, educator and sought-after speaker on how clients can achieve the greatest security and satisfaction during the retirement years. 


    In this Master Class, Daryl Diamond will discuss how the last four years have been extremely challenging for retirees, pre-retirees and for the advisors who service them. He will focus on key aspects of retirement income planning from the perspective of: 

    • delivering and sustaining tax-efficient income, 

    • managing high inflation, 

    • investing in volatile markets, and 

    • navigating high interest rates. 


    Learn more


    Posted October 11, 2023

    Continuing Education Credits 

    This webinar has been submitted for continuing education (CE) approval with the Insurance Council of Manitoba and Alberta Insurance Council for all provinces excluding Quebec. Upon approval, you will be sent an email notification to come back to the webinar presentation console to download your personalized certificate from the tool bar. 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. 



    ® denote a registered trademark of The Equitable Life Insurance Company of Canada