Equitable service standards as of July 21, 2025

 
Service Current Service Standard Posted Service Standard
New Business
EZcomplete Application Received to Entry Same day 2 business days
Paper Application Received to Entry 2 business days 3 business days
Inquiry Responses 2 business days 3 business days
Time from Decision to Policy Issue - EZcomplete Application 2 business days 2 business days
Time from Decision to Policy Issue - Paper Application 2 business days 2 business days
Underwriting
Time from date of  last requirement to decision date (Underwriting) 10 business days 2 business days 
Inforce Business
Policy Updates (assignments, bankruptcies, policy values, subcopy contracts )
First Review: expected follow up time if additional information is required or time to complete if in good order on first review 2 business days 4 business days
Average time to complete once all information received in good order 1 business day 5 business days
Name, Beneficiary, Ownership Changes
First Review: expected follow up time if additional information is required or time to complete if in good order on first review 4 business days 4 business days
Average time to complete once all information received in good order 1 business day 5 business days
Loans/Withdrawals 
First Review: expected follow up time if additional information is required or time to complete if in good order on first review 4 business days 4 business days
Average time to complete once all information received in good order 2 business days 5 business days
Banking Requests/Changes
First Review: expected follow up time if additional information is required or time to complete if in good order on first review 5 business days 3 business days
Average time to complete once all information received in good order 2 business days 5 business days
Policy Terminations/Internal Replacements 
First Review: expected follow up time if additional information is required or time to complete if in good order on first review 5 business days 4 business days
Average time to complete once all information received in good order 3 business days 5 business days
Policy Reinstatements 
First Review: expected follow up time if additional information is required or time to complete if in good order on first review 2 business days 4 business days
Average time to complete once all information received in good order 1 business day 5 business days
Inforce Illustration / Quotes
First Review: expected follow up time if additional information is required or time to complete if in good order on first review 3 business days 4 business days
Average time to complete once all information received in good order 2 business days 5 business days
Complex Policy Changes & Inquiries (decreases, deletions, SPO's, GIO's, exchanges, commissions)
First Review: expected follow up time if additional information is required or time to complete if in good order on first review 7 business days 4 business days
Average time to complete once all information received in good order 25 business days 10 business days
Term Conversions 
First Review: expected follow up time if additional information is required or time to complete if in good order on first review 1 business day 2 business days
Average time to complete once all information received in good order 6 business days 10 business days
Contracting and Payroll
Advisor Contracting Requests
- Set-ups/Changes/Sponsorships
15 business days 2 business days
Advisor Contract Transfer 13 business days 2 business days
Advisor Contracting Inquiries 18 business days 2 business days
Advisor Information Updates 11 business days 2 business days
Advisor Licensing 1 business day 2 business days
Advisor of Record Changes incl Block Transfers 8 business days 2 business days
Advisor Payroll Inquiries 6 business days 2 business days 
Advisor Payroll Updates Same day 2 business days
Equinet Access Request 12 business days 2 business days
Claims
Dedicated contact reaches out to Claimant and/or Advisor after claim notification 2 business days  2 business days
Average number of days for Initial Review of claim by adjudicator 5-10 business days  5  business days
Average number of days from last requirement received to decision 5- 10 business days  5-10 business days
Average number of days for Inquiries  1-2 business days 2 business days 
Client Care Centre
Call wait time 90 seconds 60 seconds
Email response time 2 business days  2 business days