Term 10, 20 & 30/65: Unlike permanent insurance which lasts a lifetime, this coverage typically provides coverage which expires at a specific age or year. Premiums are guaranteed for a given period of time depending on the plan you select. At the end of that period, the policy either renews at a higher premium for the next payment period or it terminates. Most term plans can be switched to permanent protection1 to cover your long term needs.
Whole Life Insurance
Equimax: Offers permanent protection with guaranteed premiums, cash values and death benefit. The cash value can be accessed to fund education, renovate your home or even supplement your retirement income. Use it in any way you choose.
Equation Generation IV: Participating universal life insurance provides cost-effective life insurance protection and tax-advantaged investment opportunities.
EquiLife Limited Pay: PA limited pay Cost of Insurance (COI) plan ideal for clients looking for guarantees: death benefit, costs, cash values, and a fixed end date for payments.
Critical Illness Insurance
EquiLiving: EquiLiving provides a lump-sum benefit, following a survival period of typically 30 days after diagnosis of one of the critical conditions covered by the plan. You can use the benefit payment any way you wish, to make living with one of the life-altering conditions more comfortable.
Simple Issue Whole Life Insurance
Final Protection: Provides up to $50,000 of permanent protection for people age 40 to 80. No medical exam is required. Underwriting is based on just a few simple health questions.
Payout Annuities: Guaranteed, predictable income for life or over a term you choose, and don't want to make on-going investment decisions, an immediate annuity may be for you.
Segregated Fund Investments
Segregated funds: Allow you to combine the growth potential of investment funds with the protection of benefit guarantees provided under the policy. Equitable Life funds are managed using a conservative, value-oriented, disciplined investment approach with the goal of building and protecting your wealth.
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Coinsurance: A provision in a health insurance contract by which the insurer and insured share, in a specific ratio, the covered expenses under a policy. For example, the insurer may reimburse the insured for 80 per cent of covered expenses, the insured paying the remaining 20 per cent of such expenses.
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