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1. Client Access
2. This year’s RSP deadline is March 2, 2026

   
   RRSP deposits to be considered for the 2025 tax year must be:
   • Dated March 2, 2026, or before
   • Must be submitted to Head Office in good order by March 6, 2026, by 4:00 p.m. ET
   
   RRSP applications to be considered for 2025 contribution year must be submitted in good order by:
   • March 2, 2026, 11:59 p.m. ET
   
   RRSP B2B Loans:
   • RRSP loan deposits must be received from B2B by March 13, 2026, by 4:00 p.m. ET
   Note: Transactions submitted after these dates will not receive a 2025 contribution receipt
   
   
   Please note that all requirements must be received in Head Office by the above dates to guarantee settlement for year end.
   
   Have you started talking to your clients about their Registered Retirement Savings Plan (RRSP) contributions yet? Equitable^® has a range of RRSP solutions that can help meet their needs, including:

   • Daily/Guaranteed Interest Account
   • Equitable Guaranteed Investment Funds™, available in:
     • o Investment Class (75/75)
     • o Estate Class (75/100)
     • o Protection Class (100/100)
   Tools and materials to help you start the conversation
   Most clients genuinely want to save for retirement, but intentions alone aren’t enough—they need a plan. As their trusted advisor, you can help them understand why making their RRSP a priority is an important step toward long‑term financial security.
   
   To support those conversations
   Most clients genuinely want to save for retirement, but intentions alone aren’t enough—they need a plan. As their trusted advisor, you can help them understand why making their RRSP a priority is an important step toward long‑term financial security.
   
   To support those conversations, we’ve pulled together helpful tools and marketing materials that show how an Equitable RRSP can make a meaningful difference in reaching their retirement goals. Resources include:
   • Investment calculators
   • A retirement savings plan is just a relevant now as it was over 60 years ago
   • Borrowing money to save money
   And don’t forget…
   
   From January 1 to March 2, 2026, when clients open or add money to an Equitable TFSA or RRSP, they’ll automatically be entered into Equitable’s Snowball Your Savings contest. Two lucky clients will win — and their advisors get to celebrate too!
3. Introducing Empathy – Compassion and care at times of loss
   We’re excited to announce our partnership with Empathy– the company behind the Empathy Loss Support benefit.
   
   As a trusted advisor, you play a vital role in guiding clients through some of life’s most difficult moments. We understand this and believe Empathy can provide vital support at a time of loss. This is why Equitable^® has added this new benefit to all new and existing individual life insurance policies at no additional cost.
   
   About Empathy
   Empathy Loss Support begins when a claim is initiated. When a client’s loved one notifies us, our Client Care Centre connects them to Empathy’s user-friendly app or website. They can choose the Empathy services they need, including human support, and helpful tools. Empathy will help them navigate both the emotional and logistical challenges following a loss.
    

   Introduced to loved ones at time of claim

   Easy to use co-branded app

   Adding value beyond the policy

   Share the good news
   Include Empathy in your client conversations about life insurance. Show clients how Equitable leads with Care, Compassion, and Empathy.  Our commitment to clients is at the heart of everything we do.
   
   To learn more, visit our Empathy page.
   
   Questions?  Please contact your Equitable wholesaler.
   
   
   
   
   
   This loss support benefit is provided by Empathy and is available to all Equitable life beneficiaries aged 18+ years and residing in Canada. Equitable does not have access to the information provided to Empathy and is not responsible or liable for the services provided by Empathy. Empathy does not represent Equitable nor have the right to bind Equitable. Equitable may modify access to or discontinue offering the Empathy service at any time.
   
   Empathy does not provide legal, medical, financial, or accounting advice, nor does Empathy provide mental health diagnosis or treatment. We recommend consulting a professional on such matters.
4. Give the Gift of a Head Start
5. Boost your knowledge and earn CE credits

   Need continuing education credits?

   Equitable is happy to offer online courses focusing on insurance. The courses allow you to learn at your own pace and earn CE credits quickly and easily. You can earn CE credits right away when you complete these courses. All courses are accredited by Alberta Insurance Council, Insurance Council of Manitoba, The Institute for Advanced Financial Education, and Chambre de la sécurité financière*.
    
   Existing courses:
   1.    Building your business with critical illness insurance
   2.    Ensuring a Compliant, Needs-based Insurance Sale
   3.    Harness the power of whole life cash value
   4.    Introduction to whole life insurance
   5.    Path to Success - Expert Advice on Navigating CI Sales
   6.    Participating whole life for the children's market: A head start for tomorrow
   7.    The mechanics of universal life 
   8.    Where UL Fits in your Product Portfolio
   
   
   A few important notes before you get started:
   •    The programs are hosted on Teachable: https://equitable-life-education.teachable.com/
   •    Username: Please use your email address that you are contracted with
   •    Password: Equitable
   •    Please use Google Chrome to access the courses
   
   Start Earning CE Credits!
   
   Check out the individual insurance online learning centre on EquiNet to stay up to date on new courses. 
   
   Questions?
   Contact your local wholesaler.
    
   Are you having trouble logging in or accessing certificates?
   Email equitableiimarketing@equitable.ca for assistance.
   
   *Please select the course with “QC credits” in the title for La Chambre credits.
6. Equitable explains individual life and critical illness insurance with client-focused videos! In today’s busy world, clients need guidance to help them pick the right solutions for their needs. They need quick, easy-to-understand information. With so many options out there, it can get overwhelming to make the right choice.
   
   The same goes for individual life and critical illness insurance. Which type of insurance is right for the client? Advisors can help provide that support and guidance. But perhaps, to get that conversation started, you just need to give clients a little nudge.
   
   We get it. That’s why Equitable has produced a series of client-focused videos to help advisors start those conversations.
   
   Check out our explainer videos below and share them with clients today!
   
   ●  Equimax^® participating whole life for children
   ●  Dividends
   ●  EquiLiving^® critical illness insurance
   ●  Term life insurance
   ●  Equitable Generations^™ universal life insurance
   
   
   
   Want to learn more?
   Contact your Equitable Wholesaler – we’re here to help!
   
    
   ^® or ^™ denote trademarks of The Equitable Life Insurance Company of Canada.
    
7. [pdf] Application for Contract To Sell Insurance Products and Request for Sponsorship
8. Elevate your business with industry best practices and needs-based selling Keeping your business aligned with industry best practices is vital for your success. It not only supports the fair treatment of clients – it also helps you meet certain market conduct requirements and Equitable’s expectations for needs-based selling.
   
   The Financial Services Regulatory Authority of Ontario (FSRA) has a program that checks how well advisors follow the Insurance Act and its conduct rules. FSRA looks at how well advisors follow industry best practices and fair treatment of clients guidance (see CLHIA’s guidance document, “The Approach”). Their focus is on key areas such as giving sound advice, managing conflicts of interest, and putting clients’ needs first. FSRA selects advisors’ client files and looks for documentation that indicates needs-based selling. 
   
   In December 2024, FSRA released its latest Market Conduct Supervision Report. It highlights the need for advisors to follow certain rules and industry best practices. The report found five key areas where improvement is needed:
   
   1. Missing notes from client meetings and calls
   2. Inadequate advisor disclosure
   3. Missing sales illustrations for different product options
   4. Missing insurance needs analysis
   5. Missing policy delivery receipts
   
   
   By following industry best practices and keeping thorough records, you show your commitment to providing clients with the solutions they need. For example, taking notes during client meetings helps you track all discussions that support your recommendations. Having an insurance needs analysis shows you are providing clients with suitable advice to buy the solutions that best meet their needs.
   
   Resources: Equitable^® has resources that can help improve your business practices and help you treat clients fairly. We encourage you to check these out:
   
   1. PPT: “Ensuring a Compliant, Needs-based Insurance Sale”. The steps to follow in needs-based selling and the records to keep.
   
   Get CE credits! We offer the above as a self-study course that qualifies for 1 Continuing Education (CE) credit. Access it here: https://equitable-life-education.teachable.com/. (Use your contracted email to log in).
   
   2. Client File Reference: The records to keep when selling investments, life insurance, or critical illness insurance, including key documents insurers and regulators look for during compliance audits.
   
   3. Investor Profile Questionnaires: These will help you document your sales recommendations for:
   ● Universal Life (UL) sales: 1190.pdf, and
   ● Pivotal Select (Segregated Fund) sales: 1165.pdf
   
   Questions? Contact your Equitable wholesaler. They are ready to support your success!
9. WFG KYC and Trade Ticket documents are now part of EZcomplete

     
   
   Equitable Life® wants to help you get on with your day. Effective June 11, 2022, WFG’s KYC* and Trade Ticket documents will be integrated into the highly rated EZcomplete® online application tool. This means no more completing these documents separately and uploading them to EZcomplete.
   
   By integrating the KYC and Trade Ticket with EZcomplete:

   • these documents will automatically populate with information collected in the EZcomplete process,

   • necessary signatures will be captured, and

   • these documents will be sent to WFG’s back office on your behalf.

    
   Once the application has been submitted, signed documents will be available for advisors, clients, and joint clients to download. It is that easy.
    
   Get on with your day with Equitable Life. Log in to EZcomplete today.
    
   Speak to your Regional Investment Sales Manager to learn more.
    
   * KYCs on corporately owned policies are not currently supported
   ® denotes a trademark of The Equitable Life Insurance Company of Canada.

10. Deposits to the Fidelity Special Situations mutual fund are being limited but the segregated fund is
    Fidelity Investments^® recently said they would no longer accept deposits from new investors into the Fidelity^® Special Situations Fund. This notice however does not affect Equitable Life^® clients.
    
    The Special Situations Fund will continue to be open to new and existing Equitable Life clients. This includes clients with Pivotal Select™, Pivotal Solutions* or Personal Investment Portfolio segregated funds contracts.
    
    Why is Fidelity limiting access to the mutual fund?
    This award-winning mutual fund has grown significantly and now has $3.6 billion of managed assets. To preserve the integrity of the fund’s investment strategy, Fidelity^® decided to limit inflows to the fund. Limiting the amount of managed assets held within the fund allows the fund’s portfolio manager to focus on what he does best - finding special situation investment opportunities and capitalizing on positive change within companies and industries across Canada and around the world.
    
    If you like the Special Situations mutual fund, you will value the Equitable Life Fidelity^® Special Situations segregated fund. Segregated funds are similar to mutual funds but offer different features and guarantees. To learn about these features, check out the Investment Advantage. To learn more about the Special Situations segregated fund, click here.
    
    
    For more information about Equitable Life’s segregated funds, speak to your Regional Investment Sales Manager or visit our segregated funds page on EquiNet^®.
     
    References:
    Fidelity’s press release announcing the limited fund closure
    Fidelity^® Special Situations portfolio management strategy, webinar featuring Mark Schmehl, Portfolio Manager.

    
    
    *No Load, Deferred Sales Charge, Pivotal Solutions II
    ® or ™ denotes a trademark of The Equitable Life Insurance Company of Canada, except as noted below.
    Fidelity and Fidelity Investments are registered trademarks of 483A Bay Street Holdings LP. Used with permission.