Equitable Changes to Universal Life & Critical Illness Insurance plans effective December 3, 2012

Due to the continuing low interest rate environment, Equitable Life is 

making changes to its universal life and critical illness products.

Equation Generation IV Universal Life
Increased minimum premium rates and Cost of Insurance (COI) 

charges for Level COI.

EquiLife Limited Pay Universal Life
Increased premium rates and COI charges for all COI types.

EquiLiving Critical Illness Insurance
Increased premium rates for Level to age 100 and Level to age 75 plans, 

Return of Premium on Surrender/Expiry Riders (ROPS) and Return of Premium 

on Death Riders (ROPD).   

Transition Rules

For more information on these changes and how applications will be processed, 

refer to theTransition Rules (français).

Sales Illustration Software

The updated illustration software will be available for download after 9:00 a.m. EST 

on Wednesday, November 28, 2012. 

Questions?

Contact your Equitable Life Regional Sales Manager or the Regional Office nearest you.