Site Search
552 results for open portal PROBLEMGO.COM how to get VIP treatment in prison with money Randers
- [pdf] Dialogue Virtual Healthcare Overview
-
Why tax refunds aren't always good
It’s important for advisors to help clients understand their finances. Many people think getting a tax refund is good, but that's not always true. Here are some reasons why.
1. Overpaying Taxes
A refund on a tax return means the client paid too much in taxes during the year. This is like giving the government an interest-free loan. Instead, clients could use that money each month for savings or investments.
2. Missed Investment Chances
When clients overpay taxes, they miss chances to invest that money. It could have been earning interest or growing in value instead of sitting with the government.
3. Poor Financial Planning
A big tax refund can show poor financial planning. It's better if clients break even, meaning they don't owe much and don't get a big return. This shows their tax withholdings are accurate.
4. False Sense of Security
A large tax refund can make clients feel falsely secure. They might spend it quickly instead of saving or investing it wisely.
5. Financial Hardship
Overpaying taxes can make it hard for clients to manage their money during the year. They might struggle with monthly expenses or saving for emergencies.
Advisors should teach clients about the downsides of tax refunds. By adjusting their withholdings, clients can manage their money better and take advantage of investment opportunities. Aim for a balanced tax situation to improve financial health.
Help clients make the most of their investment opportunities this tax season. For more information, contact your Director, Investment Sales.
Date posted: March 20, 2025 - [pdf] Borrowing Money to Make Money
- Investment loans
- Investment loans
-
Anti-money laundering legislation changes for Savings & Retirement forms and applications
To comply with the Government of Canada’s anti-money laundering legislation and FATCA/CRS changes, Equitable Life® has updated its Savings and Retirement forms and applications. New online forms and applications are available to download from EquiNet®. Paper applications are also available to order from Equitable’s Supply Team. For a complete list of all forms and applications affected by the anti-money laundering legislation, refer to Anti-money Laundering Legislation Requirements Summary.
What should I do if I have existing paper applications?
If you currently have paper applications (Form #1383, #1384, #799, #355) with a version date that is before April 2, 2021, Equitable Life will continue to accept them, with the caveat that additional information may be required from you and your client to comply with anti-money laundering legislation.
How long can I use my existing paper applications with a version date before April 2, 2021?
Paper applications (Form #1383, #1384, #799, #355) with a version date prior to 2021/04/02 (located on the back page and in the bottom right-hand corner of the application) will no longer be accepted after July 1, 2021. If you have applications with a date that is before 2021/04/02, please destroy them and use the fillable/savable PDF on EquiNet. You can also order paper applications from our Supply Team.
Want to be sure you always have the most up-to-date application? Try our EZcomplete® online application platform. EZcomplete makes it easy to process your non face-to-face applications and allows your clients to provide their signature remotely on their own device.
To learn more about the Government of Canada’s anti-money laundering legislation and FATCA/CRS review the following links.
Government of Canada - Guidance on the Common Reporting Standard
Financial Transactions and Reports Analysis Centre of Canada
If you have any other questions, contact your Regional Investment Sales Manager.
® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
-
Empowering newcomers: Financial basics for a new start in Canada
How are clients adjusting to life in a new country? Join our upcoming Master Class, "Empowering newcomers: Financial basics for a new start in Canada," to learn how to support them in building financial knowledge and confidence.
We will explore how a lack of credit history, unfamiliar Canadian financial systems, and starting over in a new country can affect financial decisions.
Join Joseph Trozzo, Vice President, National Investment Sales at Equitable, for an engaging conversation with Dr. Aditya Nain — professor, consultant, MoneySense columnist, and acclaimed multi-disciplinary author.
Together, they’ll uncover actionable strategies and fresh perspectives to empower advisors in guiding new Canadians through the complexities of the financial landscape with confidence and care.
Why attend?
• Help clients set financial goals & choose the right Canadian accounts and products.
• Educate clients on tax treatment of investment income.
• Raise awareness about newcomer scams.
Don’t miss this opportunity to deepen and elevate your advisory approach.Learn more
Continuing Education Credits
This webcast has been submitted for continuing education (CE) approval for all provinces excluding Quebec via the Insurance Council of Manitoba and Alberta Insurance Council. Upon approval, you will be sent an email notification to come back to the webcast 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. It is the advisor's responsibility to ensure Continuing Education credits being offered are accepted by their licensing body. Alberta Insurance Council (AIC) credits are valid in Yukon, British Columbia, Alberta, Saskatchewan, Ontario, New Brunswick, Prince Edward Island and Nova Scotia. Insurance Council of Manitoba (ICM) credits are valid in Manitoba only.
This webcast is available in English only.
Date posted: September 11, 2025 - [pdf] Protecting your plan
-
Our Critical Illness Insurance Path to Success Program
Our Critical Illness Insurance Path to Success program was designed with you, the Advisor, in mind.
Path to Success: Expert Advice on navigating CI Sales provides you with actionable ideas and scripts that you can implement immediately into your critical illness insurance meetings. CE Credits are available if you review the program in its entirety and complete the quizzes at the end of each section.
Learn more about the CI Path to Success Program
Next steps:
If you have any questions or are interested in getting access to this program, please reach out to your Regional Sales Manager directly.
Enhancements to our Critical Illness Insurance product EquiLiving®
The timing couldn’t be better for connecting with your Regional Sales Manager to gain access to this program, as we have made recent enhancements to our Critical Illness product that will help you offer more options to clients. We’ve enhanced our EquiLiving plans and riders with:
• 20 pay options with coverage to age 75 or coverage for life
• Support from Cloud DX to help monitor a client’s well-being from treatment to recovery
• Added Acquired Brain Injury as a covered critical condition
• 30-day survival period removed for all non-cardiovascular covered conditions
• No age restriction to claim for Loss of Independent Existence (LOIE)
• Adult Covered Conditions definitions updated to 2018 CLHIA definitions
• Increased the number of Early Detection Benefit covered conditions from 4 to 8
• And so much more …
Contact your Regional Sales Manager to get set up in the program and learn about other CE accredited presentations happening each week. - [pdf] Invest with Equitable