We are continuously improving our digital accessibility, recognizing the importance of having websites that are accessible to the widest possible audience. Should you require assistance or have a Customer Service need, please call (877) 222-2144Skip to main content
Equitable Equitable
Sign in
  • Support
Equitable Logo
  • Sign in
  • Financial Professionals
  • Our Products

    For the goals they have in life.

    Learn more about the different life insurance policies available from Equitable.

    • Accumulation
    • BrightLife® Grow
    • Equitable Advantage Maxsm
    • VUL Optimizer®
    • VUL Optimizer®Max
    • COIL Institutional Seriessm
    • Permanent Protection
    • VUL Legacy®
    • Temporary protection
    • Term Series
    • Wealth transfer
    • VUL Survivorship
    • Guaranteed Issue
    • Riders
  • Sales Concepts

    Find the information you need to educate yourself, your prospects and clients.

    Innovative ways to use life insurance for individuals and businesses.

    Discover targeted strategies for clients.

    Find a sales concept
  • Knowledge & Insights

    Discover. Learn. Teach.

    Find the information you need to educate yourself, your prospects and clients.

    • Learning
    • From industry experts
    • Life with inSight Podcasts
  • Working with us
EQH Logo

I acknowledge that I am a financial professional.


I am not a financial professional
Equitable Equitable
Sign in
  • Support
Equitable Logo
  • Sign in
  • Financial Professionals
  • Our Products

    For the goals they have in life.

    Learn more about the different life insurance policies available from Equitable.

    • Accumulation
    • BrightLife® Grow
    • Equitable Advantage Maxsm
    • VUL Optimizer®
    • VUL Optimizer®Max
    • COIL Institutional Seriessm
    • Permanent Protection
    • VUL Legacy®
    • Temporary protection
    • Term Series
    • Wealth transfer
    • VUL Survivorship
    • Guaranteed Issue
    • Riders
  • Sales Concepts

    Find the information you need to educate yourself, your prospects and clients.

    Innovative ways to use life insurance for individuals and businesses.

    Discover targeted strategies for clients.

    Find a sales concept
  • Knowledge & Insights

    Discover. Learn. Teach.

    Find the information you need to educate yourself, your prospects and clients.

    • Learning
    • From industry experts
    • Life with inSight Podcasts
  • Working with us
EQH Logo

I acknowledge that I am a financial professional.


I am not a financial professional
1

Sales Concept Finder

Select a client type:

Individual Business Owner

Select a career stage:

10 plus years from retirement Less than 10 years from retirement Retired

Select a net worth:

Under $1M $1M to $5M Over $5M

Select a client need:

Replacing lost income at death Accumulating assets Tax planning Advanced premium funding Wealth transfer

Explore your sales ideas below

Select an Entity Type:

Pass Through C Corporation Sole Proprietorship

Select a client need:

Protecting the Business Transferring the Business Attracting and Retaining Key Employees Personal Retirement Planning Advanced Premium Funding

Select a Transferring the Business:

Transferring to a Family Member Transferring to a Non-Family Member

Explore your sales ideas below

Or choose a topic

All Concepts Asset Accumulation Business Protection Executive Benefits Income Replacement Retirement Planning Specialty Markets Tax Planning Wealth Transfer
Back Start Over

Sales concepts

Individual
Business

Buying life insurance in a qualified plan | Equitable

Clients who are interested in getting the largest life insurance benefit for the least out-of-pocket cost may want to consider purchasing life insurance within their qualified retirement plan.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:
  • BrightLife® Grow

Do your clients’ life insurance policies still meet their needs? | Equitable

Take a three-pronged approach to reviewing your clients' life insurance policies and to determining whether they should be adjusted.

How to use your life insurance policy as a private account | Equitable

Life insurance can offer both death benefit protection and cash value potential that can be used as a "private reserve" of cash for your clients, their families, and their businesses.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:
  • BrightLife® Grow
  • VUL Optimizersm

How to use a life insurance policy to help preserve retirement income | Equitable

Market performance in the earliest years can make or break a client's long-term retirement. But, with cash value life insurance, clients can take available withdrawals during down-market years to help preserve their assets.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:
  • BrightLife® Grow

Cash value life insurance as an alternative to a Roth IRA | Equitable

For clients who have maxed out retirement plans and are not eligible for a Roth IRA or have already contributed to one, this strategy can provide a way to save additional funds for retirement – with tax-free accumulation and distributions, and no RMDs.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:
  • BrightLife® Grow
  • VUL Optimizersm

What is a buy-sell strategy for businesses with multiple owners? | Equitable

An entity purchase buy-sell agreement may work well for businesses with multiple owners, where the owners are different ages or the business wants to keep assets on the books.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:
  • BrightLife® Grow
  • VUL Optimizersm

What is a key person life insurance policy? | Equitable

If your clients employ key people who are critical to their business's success, they may want to consider protecting the business in case something happens to those employees. One way to do that is through Key Person life insurance.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:
  • BrightLife® Grow
  • VUL Optimizersm

What is a cross purchase buy-sell agreement for two business owners? | Equitable

Do your clients need to put together a buyout agreement for their business? For two business owners, a simple cross purchase buy-sell can work well.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:
  • BrightLife® Grow
  • VUL Optimizersm

What is a cross purchase buy-sell agreement for multiple business owners? | Equitable

A trusteed cross purchase buy-sell agreement works well for clients who want a cross purchase buy-sell arrangement, but there are three or more business owners.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:
  • BrightLife® Grow
  • VUL Optimizersm

How to use a permanent life insurance policy to fund a retirement buy-sell agreement | Equitable

When a business co-owner needs more flexibility in how life insurance funds will be used, you may want to consider this strategy.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:
  • BrightLife® Grow

How to keep executives with an executive benefits bonus plan | Equitable

If your business owner clients have important, highly paid executives who need to save more for retirement, they may want to consider offering a Bonus and Tax Loan (BATL) Plan® an Executive Bonus plan combined with loans from the employer to pay the taxes on the bonuses.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:
  • BrightLife® Grow
  • VUL Optimizersm

What is a stay bonus plan and how can businesses retain key employees with one? | Equitable

If your business-owner clients worry about what could happen if they pass away unexpectedly, they may want to use a Stay Bonus to retain their key employees and help stabilize and maintain the business through that difficult time.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:
  • BrightLife® Grow
  • VUL Optimizersm

What is a life insurance-funded executive bonus plan? | Equitable

Successful businesses need to attract, retain, and reward key employees. One way to do this is through non-qualified executive bonus plans, funded with permanent life insurance.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:
  • BrightLife® Grow
  • VUL Optimizersm

How much life insurance do your clients need? | Equitable

Performing a capital needs analysis can help your clients determine how much life insurance protection they need and better prepare them for the future.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:
  • Term Series
  • VUL Optimizersm

Protection for stay-at-home parents | Equitable

Your clients might be surprised at how much a stay-at-home parent “earns” – and how little term life insurance costs in comparison.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:
  • Term Series

The benefits of adding a long-term care rider to your life insurance policy | Equitable

Clients who need both life insurance and long-term care protection may want to consider combining them into one policy: life insurance with a long-term care rider.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:
  • BrightLife® Grow
  • VUL Optimizersm

What’s the return on a life insurance policy? | Equitable

Your clients may think they are better off self-insuring and investing money in another product than life insurance. They may want to think again.

How to protect an educator's pension plan | Equitable

Help your clients protect their largest asset – their pension – for their family, in case they pass away early.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:
  • Term Series

How to use a life insurance policy to minimize taxes in retirement | Equitable

During retirement, your clients can help keep their tax bill down by accessing additional funds from cash value life insurance.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:
  • BrightLife® Grow

Three types of funds for protecting your retirement assets | Equitable

Using the 3-bucket approach, you can help your clients ensure their family's legacy, have money for retirement and for other financial contingencies.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:
  • VUL Legacysm

Financing life insurance policy premiums for a high-net worth client | Equitable

If your high-net worth clients need life insurance protection but don't want to liquidate potentially high-performing assets, they may be able to finance the premiums.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:
  • BrightLife® Grow

How to use Social Security benefits to fund a life insurance policy | Equitable

If your clients don't need their Social Security benefits for retirement, they may use a portion to help maximize their legacy by purchasing life insurance.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:
  • VUL Legacysm

Why your clients might sell stock to buy a life insurance policy | Equitable

For clients who have a heavy concentration of one stock in their portfolio, you may want to suggest using life insurance to help diversify and transfer wealth efficiently.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:
  • BrightLife® Grow

How to use a life insurance policy as an asset | Equitable

High net-worth families can use life insurance as an asset to transfer a pre-determined amount of money to their beneficiaries at death, regardless of how their other assets perform.

How to use a projected inheritance to purchase a life insurance policy | Equitable

If you have older clients with substantial wealth, you may be able to use the children's projected inheritance to justify life insurance for the next generation.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:
  • BrightLife® Grow
  • VUL Optimizersm

How to increase wealth transfer using deferred annuity distributions | Equitable

If your clients own deferred annuities that they don’t need for retirement and want to pass along without their family paying both estate and income taxes, they can use life insurance to help maximize the wealth transfer.

HIGHLIGHTED PRODUCT(S) WITH THIS CONCEPT:
  • VUL Legacysm

Stay in the loop

Equitable

Welcome to Equitable

Effective immediately, please use www.equitable.com
to access our website.


Please replace any bookmarks with www.equitable.com.
If you have an account with us, your user ID and password will not change.

Equitable is the brand name of the retirement and protection subsidiaries of Equitable Holdings, Inc., including Equitable Financial Life Insurance Company (Equitable Financial) (NY, NY), Equitable Financial Life Insurance Company of America (Equitable America), an AZ stock company with main administrative headquarters in Jersey City, NJ, and Equitable Distributors, LLC. Equitable Advisors is the brand name of Equitable Advisors, LLC (member FINRA, SIPC). GE-2891061(01/20)

  • About Equitable
  • Equitable Foundation
  • Careers
  • Feedback
  • Equitable Holdings

  • 1290 Avenue of the Americas
    New York, NY 10104
  • Privacy and security
  • Usage agreement

© 2022 Equitable Holdings, Inc. All rights reserved.


Equitable is the brand name of the retirement and protection subsidiaries of Equitable Holdings, Inc., including Equitable Financial Life Insurance Company (NY, NY), Equitable Financial Life Insurance Company of America, an AZ stock company and Equitable Distributors, LLC. Equitable Advisors is the brand name of Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN).

Equitable

Sign In

Welcome back
System availability notice
Forgot User ID or Password
Don't have an account? Register Now

Equitable Retirement VisionSM,
Retirement Gateway, Momentum
& Retirement Strategies Administrators

  • for INDIVIDUALS
    • Advice
      • Why work with a Financial Professional
      • Saving and Investing
      • Find a Financial Professional
    • Retirement
      • Retirement Planning
      • 403(b) plans for educators
      • Products
        • Annuities
        • 401(k) Plans
        • 403(b) Plans
        • 457(b) Plans
    • Life Insurance
      • Benefits of life insurance
      • Products
        • Indexed universal life
        • Term life
        • Variable life
    • Employee Benefits
      • Discover your benefits
      • Resources
        • Products
      • Products
        • Dental
        • Life
        • Long-term disability
        • Short-term disability
        • Vision
        • Accident
        • Critical Illness
      • Find a provider
  • for EMPLOYERS
    • Advice
      • Why work with a Financial Professional
      • Plan for your business at every stage
      • Find a Financial Professional
    • Retirement
      • Help employees retire confidently
      • 401(k) Plans
      • 403(b) Plans
      • 457(b) Plans
    • Life Insurance
      • Benefits of life insurance
      • Products
        • Indexed universal life
        • Term life
        • Variable life
    • Employee Benefits
      • Benefits made easy
      • Resources
        • Our approach
        • Powerfully Simple
        • Integrated platform
        • Learn from the experts
      • Products
      • Find a provider
  • for FINANCIAL PROFESSIONALS
    • For your clients
      • Discover benefits
      • Saving and Investing
      • Benefits of life insurance
      • Retirement Planning
    • Retirement
      • Resources for retirement
      • Annuity products
      • Workplace retirement products
        • 401(k) Plans
        • 403(b) Plans
        • 457(b) Plans
    • Life Insurance
      • Resources
      • Products
      • Resources
        • Learning
        • Sales Concepts
    • Employee Benefits
      • Resources
      • Resources
        • Our approach
        • Powerfully Simple
        • Integrated platform
        • Compensation
        • Account service
        • Learn from the experts
      • Products
  • Search
  • Find a financial professional
  • Support
  • About Equitable
  • Perspectives
  • Careers
  • Newsroom
  • Equitable Foundation
  • Feedback