Life Insurance

Term Insurance

1. Affordable, flexible protection for individuals, families and businesses

2. Suitable for shorter-term insurance needs

3. Affordable term coverage for mortgage, debt and income protection.

4. Some of the best rates in the industry for ages 30 – 55.

5. Product comparison report for selecting the optimal combination of term coverages.

6. Convertible to participating whole life or universal life.

7. Clients who qualify for preferred rates on term riders or stand-alone plans may automatically qualify for critical illness insurance.

Whole Life

1. In an environment where guarantees are increasingly rare, people are looking for the guaranteed death benefit, cash values and premiums that participating whole life insurance offers.

2. Dividends have been credited every year;

3. Guaranteed premium options – payable with certain period or life.

4. Competitive rates and values in both the middle income family and advanced large case markets.

5. Retirement and estate planning concepts built right into the Equitable Sales Illustrations® System.

6. Advanced insurance planning concepts and support to help you grow your sales in the large case market

Universal Life

1. Universal Life product provides you with the choice, flexibility, value and the guarantees you need for today and into the future.

2. Accumulation bonus with guarantee or without guaranteed and variable bonus

3. Universal life insurance policy that offers a wide range of tax-advantaged savings and investment options to chose from, giving you more control over your investment strategy.

4. Choice of death benefits and guaranteed cost of insurance (COI) options.

5. Guaranteed investment bonus.

6. Competitive administration fees on investment accounts with low fees version.

7. Retirement and estate planning concepts .

8. Guaranteed paid over a period or pay for life.