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1. Sometimes plans change when you least expect After saving for several years, clients might choose not to buy a home, and that's okay. One of the advantages of a First Home Savings Account (FHSA) is the flexibility to transfer funds to any registered account that accepts contributions. Transfers to Registered Retirement Savings Plans, Registered Retirement Income Funds, or other FHSAs are tax-free and do not impact contribution limits. However, be aware transfers to other accounts are considered withdrawals and are considered taxable income and subject to withholding tax.
   
   Do you know clients dreaming of homeownership? We are here to assist! Clients who contribute to an Equitable FHSA between May 1 and September 30, 2025 will be entered into our Close to Home contest, for a chance to win one of two $8,000 prizes. Whether opening a new Equitable FHSA or making an annual contribution, this is a fantastic opportunity to help clients get closer to owning a home.
   
   Advisors, your efforts matter too! You have a chance to win a $1,000 prize if the client you are assisting, in alignment with their unique homeownership needs, is selected as a winner. At Equitable, we believe that when we grow together, success is mutual. 
   
   Don’t forget about Equitable’s user-friendly online application platform, EZcomplete^®, or process an online transaction with ease using Equitable’s EZtransact^®. These tools are fast, simple, and could bring clients closer to achieving their goals. 
   
   Want to learn more? Speak to your Director, Investment Sales.
   
   Equitable’s Close to Home Contest: No purchase necessary. Contest period May 1, 2025 to September 30, 2025.  Clients enter by making a deposit to an Equitable FHSA during the contest period or by submitting a no-purchase entry. Two prizes of $8,000 CAD each to be drawn on October 15, 2025 will be awarded. The servicing advisor for the policy to which the selected entrant made the deposit is also an eligible winner and will receive a $1,000 CAD prize. For example, if an Equitable client is a winner of the $8,000 prize, the client’s servicing advisor wins a $1,000 prize.  Open to legal residents of Canada of the age of majority. Odds of winning depend on number of eligible entries received during the Contest Period.  For full contest rules, including no-purchase method of entry, see the full contest rules. 
   
   Date posted: August 7, 2025
2. How first-time homebuyers are sourcing their down payments Did you know that the primary sources for down payments among first-time homebuyers* are:
   • Savings outside of a RRSP (59%)
   • Gifts (38%)
   • Savings within a RRSP (31%)
   
   While 71% of potential first-time homebuyers in Canada are aware of the First Home Savings Account (FHSA), only 33% of them are taking advantage*.
   
   Equitable wants to help first-time homebuyers take advantage of all the benefits a FHSA has to offer. Clients who contribute to an Equitable FHSA between May 1 and September 30, 2025 will be entered into our Close to Home contest, for a chance to win one of two $8,000 prizes. Whether opening a new Equitable FHSA or making an annual contribution, this is a fantastic opportunity to help clients get closer to owning a home.
   
   Advisors, your efforts matter too! You have a chance to win a $1,000 prize if the client you are assisting, in alignment with their unique homeownership needs, is selected as a winner. At Equitable, we believe that when we grow together, success is mutual.
   
   Don’t forget about Equitable’s user-friendly online application, EZcomplete^®, or online transaction platform, Equitable’s EZtransact^®. These tools are fast, simple, and could bring clients closer to achieving their goals.
   
   Want to learn more? Speak to your Director, Investment Sales.
   
   *Source: 2024 CMHC Mortgage Consumer Survey
   Equitable’s Close to Home Contest: No purchase necessary. Contest period May 1, 2025 to September 30, 2025.  Clients enter by making a deposit to an Equitable FHSA during the contest period or by submitting a no-purchase entry. Two prizes of $8,000 CAD each to be drawn on October 15, 2025 will be awarded. The servicing advisor for the policy to which the selected entrant made the deposit is also an eligible winner and will receive a $1,000 CAD prize. For example, if an Equitable client is a winner of the $8,000 prize, the client’s servicing advisor wins a $1,000 prize.  Open to legal residents of Canada of the age of majority. Odds of winning depend on number of eligible entries received during the Contest Period.  For full contest rules, including no-purchase method of entry, see the full contest rules. 
   
   Date posted: August 14, 2025
3. Path to Success Module 1
4. Path to Success Module 3
5. Paper Pivotal Select applications (Form #1383 and #1384)

   
   On April 27, 2020 Equitable Life® launched its NL-CB sales charge option to its Pivotal Select™ segregated fund lineup. The new option provides an additional choice to the existing Low Load (LL), No Load (NL) and Deferred Sales Charge (DSC) selections. To reflect the new sales charge option, Pivotal Select applications (Form #1383 and #1384) were updated.
   
   The paper Pivotal Select applications (Form #1383 and #1384) with a version date prior to 2020/04/27 (located on the back page and in the bottom right-hand corner of the application) will no longer be accepted as of July 1, 2020. If you currently have applications with a date that is before 2020/04/27, please destroy them and order new applications from our Supply Team. To order new applications, click here.
   
   Want to be sure you always have the most up-to-date application? Try our EZcomplete® online application platform. EZcomplete makes it easy to process your non-face-to-face applications and allows your clients to provide their signature remotely on their own device.
   
   For more information about the NL-CB sales charge option, please click here. For more information about Equitable Life’s EZcomplete, click here.

6. New segregated fund sales charge option from Equitable Life of Canada
   On December 7, 2020 Equitable Life® will add a new No Load CB5 (NL-CB5) sales option with a 60-month chargeback schedule to the Pivotal Select™ segregated funds lineup. This new sales charge option complements the recently launched No Load CB (NL-CB) option which has a 36-month chargeback schedule.
   
   This new sales option for Pivotal Select gives you and your clients five sales charge options to choose from: Low Load (LL), No Load (NL), No Load CB (NL-CB), No Load CB5 (NL-CB5) and Deferred Sales Charge (DSC). The addition of NL-CB5 provides an option for those advisors who want to increase the upfront portion of their commission. The benefit to clients is no Deferred Sales Charge to contend with.  If your client chooses to withdraw funds within 5 years after purchase, there is a chargeback of commission to you.
   
   By offering five sales charge options, the choice between three distinct guarantee classes (Investment Class (75/75), Estate Class (75/100) and Protection Class (100/100)), and a diverse selection of investment funds, the Pivotal Select contract provides the flexibility to build an investment solution that meets the needs of your clients.
   
   Need to meet with your client online? Our EZcomplete® application makes it easy to process your non-face-to-face applications and do business with Equitable Life. EZcomplete gives you the option to conduct your non face-to-face business easily and quickly, enabling your clients to provide their signature remotely on their own device.
   
   For more information about Equitable’s NL-CB5 or any of Equitable’s products, contact your local Regional Investment Sales Manager or our Advisor Services team at 1.866.881.7427 Monday to Friday 8:30 a.m. – 7:30 p.m. ET or email savingsretirement@equitable.ca.
    

   To learn more, click here. 

7. Application cloning option now available on EZcomplete As of September 10^th, you will now have the option to clone any Life Insurance and Critical Illness applications that is showing on the EZcomplete dashboard. “Cloning” means the information that has been completed in the existing application is duplicated in a new application.
    
   This feature is meant for situations where multiple applications are being completed and at least one of the parties (the policy owner or insured person) is the same. For example, a single policy owner might own policies on the lives of each of their children. Cloning the application will save re-typing the information about the policy owner into each application.
    
   Please note the following important details regarding cloning:
    
   • Cloning the application will duplicate all information that has been completed in the existing application into the new application.
   • In the family situation described above, the information about the policy owner should be completed in the original application. The application should then be cloned before entering any information about the insured person, as there will be a different insured person for the new application.
   • Cloning applications can be convenient, but it carries risk. It is imperative that the advisor review every section of the new cloned application to ensure that the information is meant to apply to the new application. If an advisor incorrectly includes information about an individual in the new application, this could give risk to a privacy breach or to liability for the advisor if the questions are answered incorrectly for that individual.
   • If the application was submitted and is no longer on the dashboard you will not have the option to clone it.
   • You will not be able to change the product type on a cloned application so if you need to select a different product, you will need to start a new application.
   • Any documents that were attached to the previous application will not be cloned. The documentation will need to be attached again if required.
   • All information from an existing application will be duplicated to the cloned app up to the Signatures step (step 8). Signatures/advisor report will need to be obtained and completed again on the new cloned application.
    
   Resources
   • EZcomplete FAQ
    
   Please contact your Regional Sales Manager for more information
    
8. Making it easier to claim for Loss of Independent Existence for EquiLiving Critical Illness insuranc We have recently changed the definition of Loss of Independent Existence (LOIE). As a result, the Critical Illness claim criteria has also changed. Before, EquiLiving^® Critical Illness insurance coverage was issued with a definition of LOIE that required clients to have the total inability to do 3 of 6 Activities of Daily Living (ADLs). Now, clients will only need to give us proof of the total inability to do 2 of 6 Activities of Daily Living (ADLs) to submit a claim for LOIE. 
   
   This change makes it easier for clients to claim for this covered critical illness. This change is retroactive to February 2022.
   
   Clients will be sent a notice from us with a personalized endorsement from Equitable Life. This applies to their policy and forms part of their contract. We will approve claims for LOIE as outlined in the endorsement.
   
   LOIE is one of the 26 conditions named as a covered critical illness in an EquiLiving policy or Critical Illness insurance rider on an Equitable Life insurance policy. With a loss of independent existence, some activities of daily living can no longer be done on one’s own. This can happen because of a disease or an injury. 
   
   Want to learn more? See the marketing piece: Understanding the Covered Conditions (1248).  
   
   For more information, reach out to your local wholesaler.
   
   
   ^® denotes a trademark of The Equitable Life Insurance Company of Canada.
9. NEW – Online courses for CE Credits from Individual Insurance Needing continuing education credits?
   Equitable^® is excited to introduce two new online courses focusing on Universal Life and Critical Illness insurance that provide immediate CE credits upon completion. The courses allow you to learn at your own pace and earn CE Credits quickly and easily. Both courses are accredited by AIC, ICM, the Institute, and La Chambre*.
    
   New courses:
   1) Where UL fits in your product portfolio
   2) Building your business with Critical Illness insurance
    
   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 that you are contracted with.
   ● Password: Equitable
   ● Please use Google Chrome to access the courses.
   
   
   
   Check out our new individual insurance online learning centre on EquiNet^® to stay up to date on new courses and find out more information on the topics provided. While you’re there, don’t forget to take our Path to Success course!
    
   Questions?
   Contact your local wholesaler.
    
   Are you having trouble logging in?
   Email equitablelifemarketing@equitable.ca for assistance.
    
   
    
   *Please select the course with “QC credits” in the title for La Chambre credits.
   ^® or ™ denotes a trademark of The Equitable Life Insurance Company of Canada.
    
10. Important cybersecurity readiness guidance As an advisor, you collect and store clients’ sensitive personal information. Protecting this information is essential. In July 2023, the Canadian Insurance Services Regulatory Organization (CISRO) released a guide on Cybersecurity Readiness. It includes tips on keeping this sensitive client data and your business systems safe. 
    
    Please read the guide in full. Also, check your own practices to be cyber ready and reduce your risk of an incident. 
    
    Some key tips in the guide include:
    
    1. Make cybersecurity a priority: Stay alert to cyber threats. These can be suspicious emails, texts or calls. Make sure your team knows how to keep your data and systems safe and has clear, documented processes to follow.
    
    2. Know what to protect: Understand what data and business systems need to be protected. 
    
    3. Identify the risks: Spot the risks in your practice and those from third-party service providers.
    
    4. Implement security measures: Take steps to protect your data and business systems.
    
    
    5. Be ready to respond: Know how to spot and react to cyber incidents. The guide has useful tips on creating a Cyber Incident Response Plan.
    
    And lastly – if you receive client instructions electronically (by email, text, or messaging apps), always confirm these over the phone to ensure it’s really the client sending the instructions.
    
    Keep your business and important client data safe by staying informed and alert. We encourage you to read the full  Cybersecurity Readiness document to learn more about how to prepare for cyber threats.
    
    In our industry, protecting clients’ sensitive data and systems is essential. Thank you for your commitment to cybersecurity!
    
    ^® or ^TM denotes a trademark of The Equitable Life Insurance Company of Canada.