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REMINDER that paper applications with a version date prior to 2021/04/02 are set to expire July 1, 2
To comply with the Government of Canada’s anti-money laundering legislation and FATCA/CRS changes, Equitable Life® has updated its Savings and Retirement and Life Insurance applications.
If you currently have applications with a version date before 2021/04/02, please destroy them and use our online pdf applications or order new applications from our Supply Team. Paper applications 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 for:
● Savings and Retirement (Form #1383, #1384, #799, #355), and
● Life Insurance (Form #350)
To learn more about the Government of Canada’s anti-money laundering legislation and FATCA/CRS review the following links:
Want to be sure you always have the most up-to-date application? Try our EZcomplete® online platform for Individual Life, Critical Illness and Segregated fund applications.
For a complete list of all forms and applications affected by the anti-money laundering legislation, refer to the following links:
● Savings and Retirement Anti-money Laundering Legislation Requirements Summary.
● Life Insurance Anti-money laundering Legislation Requirements Summary.
● 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 Sales Manager or Equitable Life’s Advisor Services Team
® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
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A message from Cam Crosbie
What an exciting year it’s been at Equitable®. There’s more to come in 2025!
In this short video, I share with you some of the things we’ve done to show our commitment to you in 2024 and some of the great things we’ve got planned for 2025.
I want to thank you again for your continued support and trust in us. We value our partnership and are always working hard to make things better.
Please take a few minutes to watch the video.
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Cam Crosbie,
Savings & Retirement Holiday Hours
Executive Vice-President, Savings and Retirement Division
Equitable
All transaction requests to be handled same business day must be submitted in good order by:- • December 24, 2024, 11:00 a.m. ET
- • December 31, 2024, 11:00 a.m. ET
- • December 31, 2024, 11:59 p.m. ET
- • December 24, 2024, 4:00 p.m. ET
RRSP deposits to be considered for the 2024 tax year must be:- Dated March 3, 2025, or before
- Must be submitted to Head Office in good order by March 7, 2025, by 4:00 p.m. ET
- March 3, 2025, 11:59 p.m. ET
- RRSP loan deposits must be received by March 14, 2025, by 4:00 p.m. ET
Note: Transactions submitted after these dates will not receive a 2024 contribution receipt
Date posted: December 5, 2024 -
A message from Cam Crosbie WFG
What an exciting year it’s been at Equitable®. There’s more to come in 2025!
In this short video, I share with you some of the things we’ve done to show our commitment to you in 2024 and some of the great things we’ve got planned for 2025.
I want to thank you again for your continued support and trust in us. We value our partnership and are always working hard to make things better.
Please take a few minutes to watch the video.
Cam Crosbie,
Savings & Retirement Holiday Hours
Executive Vice-President, Savings and Retirement Division
Equitable
All transaction requests to be handled same business day must be submitted in good order by:- • December 24, 2024, 11:00 a.m. ET
- • December 31, 2024, 11:00 a.m. ET
- • December 31, 2024, 11:59 p.m. ET
- • December 24, 2024, 4:00 p.m. ET
RRSP deposits to be considered for the 2024 tax year must be:- Dated March 3, 2025, or before
- Must be submitted to Head Office in good order by March 7, 2025, by 4:00 p.m. ET
- March 3, 2025, 11:59 p.m. ET
- RRSP loan deposits must be received by March 14, 2025, by 4:00 p.m. ET
Note: Transactions submitted after these dates will not receive a 2024 contribution receipt
Date posted: December 5, 2024 -
From Discovery to Action: Financial Planning Essentials for Newcomers
Are you ready to deepen your understanding of newcomers’ financial needs? Join our December Master Class, “From Discovery to Action: Financial Planning Essentials for Newcomers,” — the second part of our September Master Class series on the topic of newcomers and learn how to guide new Canadians through their first year in Canada with empathy and expertise.
We will explore strategic, empathetic discovery questions and provide practical tools to help advisors interpret newcomers’ responses in the context of their financial priorities.
Join Joseph Trozzo, Vice President, National Investment Sales at Equitable, for an engaging conversation in our second session with Dr. Aditya Nain — professor, consultant, MoneySense columnist, and acclaimed multi-disciplinary author.
Together, they will share actionable strategies and new perspectives to help advisors confidently and compassionately guide newcomers through the complexities of financial planning in Canada.
Why attend?- Use empathetic questions to understand newcomers’ needs.
- Map priorities to a simple 12-month financial plan.
- Build tailored plans for banking, credit, insurance, and investments.
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. - Fidelity Investments Canada
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Coming March 23, 2020 – Equimax enhancements include 60 months of flexibility to make extra deposits
The following features will be available on Equimax Estate Builder® and Equimax Wealth Accumulator® plans!
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60 months of Excelerator Deposit Option (EDO) flexibility- Up to 60 months to make initial EDO payment or resume stopped or reduced payments. No additional underwriting required.
- For approved EDO amounts exceeding $150,000 annually ($12,500 monthly), clients have up to 12 months from the date the EDO application was signed or the date of the last EDO payment to make an EDO payment before a contribution cap may apply.
- Available on all policies with an effective date of March 23, 2020 or later.
EDO available on case ratings of 300% or less- If a policy already in effect has a rating over 200% and up to and including 300%, the owner can apply to add EDO provided the policy was issued under the 2017 tax rules.
- Additional underwriting and submission of satisfactory evidence may be required.
Disability Benefit Disbursement at no extra cost
- If a life insured becomes disabled from a severe mental or physical impairment as defined in the policy contract, the owner may apply for a tax-free,* lump sum payment of up to 100% of the policy’s cash value.
- Exclusions apply. See sample policy contract for full details, including the qualifications for the disbursement.
- Available on all policy issued under the 2017 tax rules.
* Tax laws are subject to change. The payment of the disability benefit disbursement may affect the adjusted cost basis (ACB) of the policy as it is considered payment of a capital benefit. Changes in ACB can affect the future taxation of the policy.Processing your Application
To make the transition as smooth as possible, please take a moment to review the following transition rules.
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Make room for more EDO room
Effective June 26, 2021, a term rider added to an Equimax Estate Builder® or Equimax Wealth Accumulator® policy may allow for an increase to the maximum Excelerator Deposit Option (EDO) payment limit.
Highlights:
● This enhancement will apply to adult single life Equimax Estate Builder and Wealth Accumulator policies where the Owner Signature Date on the application for insurance is June 26, 2021 or after.
● For the term rider to increase the EDO payment limit, it must be issued at the same time as the Equimax coverage.
● Term rider EDO payment limit assumes the term rider is held at least 10 years.
● The illustration system and EZcomplete application will calculate the maximum EDO payment including any increase from a term rider.
● Policies already issued do not qualify.
Full details about the changes can be found in the transition rules.
Who can benefit from this product enhancement?
Your clients who have a temporary insurance need and add a term rider to their Equimax plan may be able to take advantage of the additional exempt room and higher EDO payment limits to build the policy values. Make Equimax® your first choice for your clients’ whole life insurance needs.
New Illustration software is now available
The updated illustration software will be available for download after 9 a.m. ET on Friday, June 25, 2021.
Want more information?
● Learn more about the changes and transition rules
● Contact your Regional Sales Manager for more information on these changes and other sales ideas
® denotes a registered trademark of The Equitable Life Insurance Company of Canada. -
Excelerator Deposit Option – maximum payment limit changes
The Excelerator Deposit Option (EDO) gives your client the option to make additional payments, subject to specified limits and our current administrative rules and guidelines, above the required guaranteed policy premium. EDO payments can help grow the long-term values in your client’s policy. This change is regarding the maximum EDO payment limit that applies to the policy.
● NEW! If a request is received to terminate, convert, or reduce the term rider and the term rider has been in effect for 10 years or longer, the EDO maximum for the policy will not be reduced.
For Equimax policies with an Owner Signature Date of June 26, 2021 or after where a term rider has increased the maximum EDO payment limit on the policy
● If a request is received to terminate, convert, or reduce the term rider and the term rider has been in effect for less than 10 years (it has not reached the 10th policy anniversary), the EDO maximum for the policy will be reduced accordingly.
Current rules as to when underwriting is required for EDO payments continue to apply, as do current rules surrounding acceptance of EDO payments and maintaining the tax-exempt status of the policy and can be found in the Equimax Product Admin Guide.
Want more information? Contact your Regional Sales Manager for more information on these changes
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Clients looking to add a little balance and diversification to their investment mix?
An Equitable® Guaranteed Interest Account (GIA) may be just the right fit for them. With competitive interest rates, Equitable GIAs may be an ideal solution for clients looking to create a well-diversified and balanced portfolio.
A few reasons to consider Equitable for your GIA business:
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• The GIA advantage – a life insurance contract can provide many estate planning benefits.
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• Advisor rate discretion – advisors can forego up to 40bps of commission for an equal increase in interest rate, making our great rates even better.
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• Step Up Your Wealth Sales program1 – 100% of GIA net deposits are used to calculate the 0.75% bonus commission earned on net deposits for 20242.
Bookmark this page to check our current rates.
For more information, please contact your Director, Investment Sales.
1 Equitable reserves the right to alter or terminate this program at any time and without notice.
2 All eligible deposits, sales, and redemptions occurring between January 1 and December 31, 2024, will be used to calculate an advisor’s 2024 net deposits. See full Step Up Your Wealth Sales program details for more information.
® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
Date posted: May 9, 2024 -
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When we grow together, success is mutual
Equitable® announces the return of its popular Step Up Your Wealth sales campaign! Again, this year, we are rewarding advisors who promote Equitable’s Savings & Retirement products to both existing and new clients, as part of a comprehensive investment strategy.
At Equitable, we offer a complete range of investment products designed to meet the savings, accumulation, and income needs of Canadians. Our strength as a mutual company, combined with our diverse lineup of competitive solutions, can help clients achieve their financial goals with confidence.
*The bonus amount will be calculated at the end of 2025 based on net deposits. The bonus will be paid within 90 days following December 31, 2025. Maximum bonus payable is $100,000 for re-qualifying Elite advisors; $75,000 otherwise. 1 Re-qualifying Elite advisors are advisors who attained Elite status at the end of 2024 and maintain Elite status at the end of 2025. To attain Elite advisor status, an advisor must have $1,250,000 in gross deposits in at least five policies or $10,000,000 in assets. For re-qualifying Elite advisors that reach $10,000,000 or more in net deposits in both 2024 and 2025, the maximum payment is $200,000. Equitable reserves the right to end or after the Step Up Your Wealth sales campaign at any time and without notice.
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Join us and take advantage of the opportunity to grow clients’ wealth while being rewarded for your efforts. Together, we can help Canadians achieve their financial dreams. For more information, visit our website or speak to your Director, Investment Sales today.
Date posted: January 6, 2025