Site Search

826 results for MAKEMUR.com son locked up need him home today payment hidden onion go stay hidden anonymous

1. New Term Rider for Equitable Generations
   Affordable, Flexible Protection for Clients
   
   Great news! As of June 7, 2025 you can now offer clients a Term 30/65 Rider on Equitable Generations™ universal life plans. This new rider will help you provide clients more choice in affordable and flexible solutions to align with their financial goals.
   
   What this new rider means for clients:
   • Coverage until the later of 30 years or age 65
   • Premiums remain level
   ​​​​• Coverage convertible to a permanent plan until age 60
   
   The Term 30/65 Rider complements the 10 and 20 Yearly Renewable and Convertible Term Riders already offered on Equitable Generations.
   
   This enhancement reflects Equitable’s commitment to growing and evolving our products, ensuring you have the solutions to meet clients’ changing needs.
   
   
   Transition Rules
   Check out our Transition Rules for new and in-progress life applications, which took effect on June 7, 2025.
   
   Questions? Contact your Equitable^® wholesaler.
2. Equitable Savings & Retirement communications are changing We’re revamping Equitable’s Savings & Retirement client communications! Our new letters give us the opportunity to ensure we are providing the right information in the right way to our clients.
   
   As well as refreshing the look and feel of our letters, we’ve updated the content to be more clear, inclusive, and informative. This new experience will help show clients that we understand their needs and are here to support them in their investment journey.
   Notable enhancements you can expect to see in our letters include:
   
   •  New layouts that provide a consistent experience
   •  Digestible content written in plain language
   •  Investment data organized in easy-to-review tables
   •  Easily identifiable next steps and contact details
   
   The rollout of the new letters began in June, starting with our client Welcome/Confirmation letter. You can access a copy of the client’s letters on EquiNet^®.
   
   If you have any questions or want to share feedback, feel free to reach out to your Director, Investment Sales.
   
   Date posted: July 2, 2025 
3. Equitable Savings & Retirement Division rebrands as Individual Wealth The Equitable^® Savings & Retirement division has a new name: Individual Wealth.
   
   This change reflects how the division has grown. Over time, we have added more services and tools to help clients reach their financial goals. Our new name shows this broader focus.
   
   Why “Wealth”?
   The word “Wealth” means more than just saving for retirement. It includes investing, estate planning, tax strategies, and preparing for life events. It better describes our more holistic approach to wealth management.
   
   This update is more than just a name change. It shows our strong commitment to helping clients in new and better ways. Over the coming months you’ll notice changes across our materials, website, and contact details as we roll out this transformation. As we move forward as Individual Wealth, our commitment to supporting your business remains stronger than ever — because when we grow together, success is mutual.
   
   If you have any questions, feel free to reach out to your Director, Investment Sales.
   
   Date posted: July 24, 2025
   
   
    
4. Change to the Equitable Life Active Balanced Income Fund effective July 1, 2025 We’re making a small change to the Equitable Life Active Balanced Income Fund. The fund’s investment split was previously 50/50 between stocks (equities) and bonds (fixed income). As of July 1, the split changed to 40% stocks and 60% bonds.
   
   Clients invested in the Equitable Life Active Balanced Income Fund will be notified of this change via their statement.
   
   Why this change matters:
   This change ensures the three Equitable Life Active Balanced funds are better differentiated from each other, covering a wider range of client needs.

   Fund Name	Before July 1 Equities / Fixed Income	On and after July 1 Equities / Fixed Income
   Equitable Life Active Balanced Income Fund	50/50	40/60
   Equitable Life Active Balanced Fund	55/45	No change
   Equitable Life Active Balanced Growth Fund	70/30	No change

   
   The funds’ risk levels and investment categories remain the same.
   
    If you have any questions, feel free to reach out to your Director, Investment Sales.
   
   Date posted: July 28, 2025
5. Important information regarding use of the form 350 Application for Life and/or Critical Illness Ins

   As of February 12, 2022 the new version of the form 350 (2022/02/12) was available on EquiNet® (Individual Insurance>Forms), and can be ordered from our Supply department using form 1390 Supply Order Form (Life and Health)
   
   To apply for the new 10 pay premium option on Equimax Estate Builder, or the new EquiLiving plans or riders, the new version of the form 350 (2022/02/12) Application for Life and/or Critical Illness Insurance must be used. The new version of the 350 will include the option to select the new features.
   
   We will not accept the 350 (2021/04/02) version of the application with a hand-written note indicating the new 10 pay premium option, or the new EquiLiving plans or riders.
   
   After March 31, 2022, we will no longer accept the 2021/04/02 or earlier version of the 350 application for any life or critical illness products.

6. Get to know our large case experts
   Equitable launches new Ask our Experts video series
   
   At Equitable^®, we’re committed to the large case market. Our dedicated team of experts is here to support you from application through to policy placement.
   
   We are thrilled to share the first episode of Ask our Experts. This mini docuseries features key members of our large case team. They talk about their work, their perspectives, and their role in the large case experience.
   
   Watch Ask our Experts Episode 1 featuring Cindy Shirley, Chief Underwriter and Claims Risk Management
   
   Cindy chats with us about:
   • Her approach to large case underwriting.
   • The large case underwriting team.
   • The important relationship between advisors and underwriters.
   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.
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   ^® and ™ denote trademarks of The Equitable Life Insurance Company of Canada.
    
7. Introducing Equitable Guaranteed Investment Funds

   
    

   We’re excited to introduce the next evolution of the product advisors know and trust most. You made segregated funds our #1 wealth solution. Now, we’ve made it even better with enhancements designed to help power your growth and help deliver even more value to clients.

   Discover Equitable Guaranteed Investment Funds™

   • More choice & flexibility when it comes to our investment fund lineup

   • Better pricing advantages including the option for clients to group account values together within a household

   • New features & tools like asset rebalancing to make portfolio management easier

   Individual Wealth is in growth mode — and advisors like you are the reason why.

   If you were already offering our segregated funds to clients or were on the fence about segregated funds altogether, there’s never been a better time to explore Equitable Guaranteed Investment Funds.
   
    

           

   
   Have questions or want a walkthrough? Our team is here to support your success every step of the way. Meet the team.

8. 2025 Holiday hours Individual Insurance
   Thank you for your trust and partnership with Equitable. Wishing you a joyful holiday season and a successful year ahead.
   
   Client Care Centre holiday hours
   Dec 24, 2025: 8:30 a.m. – 3:00 p.m. ET
   Dec 25–26, 2025: CLOSED
   Dec 29–31, 2025: 8:30 a.m. – 7:30 p.m. ET
   Jan 1, 2026: CLOSED
   
   Individual Insurance deadlines
    • Underwriting evidence due: Dec 10, 2025
    • Final settle documents due: Dec 22, 2025
    • Policy settlement by: Dec 30, 2025
   
   
   
   
   Field Payroll
    • Second last pay period: Dec 17–23, 2025 (Statements Dec 24)
    • Last pay period: Dec 24–31, 2025 (Statements Jan 2, 2026)
    • First pay of 2026: Jan 1–6, 2026 (Statements Jan 7)
   
   Note: All requirements must be received by Head Office by the above dates to guarantee year-end settlement. Late submissions will be processed as quickly as possible, but settlement by year-end cannot be guaranteed.
   
   Looking for Individual Wealth holiday hours? Please click here.
    
9. Life insurance check-ins matter

   Life can change

   As an advisor, you know clients' lives—and their insurance needs—can change over time. Checking in with clients doesn’t have to be complicated. Even a quick insurance mention during regular financial discussions, like upcoming RRSP reviews, could reveal gaps and make sure their coverage still matches their situation.
   
   Did you know?
   • Over 50% of Canadian life insurance clients haven’t reviewed their coverage in the last two years.¹
   • Clients who have annual reviews with their advisor report greater satisfaction with both their policy and the service they receive.²
   
   If you haven’t spoken with some of your clients lately, scheduling a quick life insurance review can help them feel more supported. It can also help strengthen your client relationships and help you grow your business.
   
   
   ¹ LIMRA Canadian Life Insurance Consumer Study, 2024.
   ² LIMRA Insurance Engagement Report, 2025.
    
10. Curious about large case pricing? Our experts are here to help

    Ask our Experts Episode 2

    At Equitable, we’re committed to the large case market. Our dedicated team of experts is here to support you from application through to policy placement.
    
    Ask our Experts is a mini docuseries features key members of our large case team. They talk about their work, their perspectives, and their role in the large case experience.
    
    Watch Ask our Experts Episode 2 featuring Kevin Till, AVP of Individual Life Pricing.
    
    Kevin chats with us about:
    • What he finds interesting about large case pricing.
    • How quickly Equitable can turn around a large case quote.
    • The difference between a mutual and a stock insurance company.
    • Equitable’s reinsurance strategy.
    
    Learn more:
    Visit our large case markets webpage to learn more about our team of dedicated experts.
    
    
    
    Don’t miss the favourites! Watch our most viewed Ask our Experts episodes here:
    
    Do you have a large case opportunity? Talk to your wholesaler to learn more.
    
    3/2/2026