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November is Financial Literacy Month
Equitable^® wants to mark Financial Literacy this November. Created by the Financial Consumer Agency of Canada (FCAC), the campaign this year is “Money on your Mind. Talk about it!”

The FCAC is challenging Canadians to do one thing to boost their financial confidence. One of those things includes asking questions to a trusted financial advisor. That’s, you! Be ready this year to answer anything from retirement savings, home ownership, annuities, estate planning, Daily and Guaranteed Interest Accounts, segregated funds and more.

Need help? Contact your Director, Investment Sales to get started. At Equitable, we believe in the power of together.

Have questions about the upcoming tax season or need tips to help manage and grow your business? If you missed our recent webcast with our Operations and Digital Experience teams, click here to learn more.

^® and ™ denote trademarks of The Equitable Life Insurance Company of Canada.

Posted November 5, 2024
2025 Holiday hours Individual Insurance
Thank you for your trust and partnership with Equitable. Wishing you a joyful holiday season and a successful year ahead.

Client Care Centre holiday hours
Dec 24, 2025: 8:30 a.m. – 3:00 p.m. ET
Dec 25–26, 2025: CLOSED
Dec 29–31, 2025: 8:30 a.m. – 7:30 p.m. ET
Jan 1, 2026: CLOSED

Individual Insurance deadlines
• Underwriting evidence due: Dec 10, 2025
• Final settle documents due: Dec 22, 2025
• Policy settlement by: Dec 30, 2025

Field Payroll
• Second last pay period: Dec 17–23, 2025 (Statements Dec 24)
• Last pay period: Dec 24–31, 2025 (Statements Jan 2, 2026)
• First pay of 2026: Jan 1–6, 2026 (Statements Jan 7)

Note: All requirements must be received by Head Office by the above dates to guarantee year-end settlement. Late submissions will be processed as quickly as possible, but settlement by year-end cannot be guaranteed.

Looking for Individual Wealth holiday hours? Please click here.
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IMPORTANT NOTICE: FUNDS WITH DEFERRED SALES CHARGE OPTIONS
The Canadian Council of Insurance Regulators require all insurance companies to discontinue the sale of segregated funds with Deferred Sales Charge (DSC) effective June 1, 2023*.

PIVOTAL SELECT™ SEGREGATED FUND PRODUCTS

On May 29, 2023, funds with a DSC or Low Load (LL) sales charge option will be allocated to the No Load (NL) sales charge option of the funds available within the policy.
- Any existing amounts held in DSC or LL funds will retain the existing DSC schedule, outlined in the client’s contract. The annual 10% available (20% for RIF policies) for withdrawal without fees continues to apply through to the expiry of the fee schedule.
- If the default deposit instructions and/or pre-authorized scheduled deposits the client previously provided include funds with DSC or LL, these instructions will automatically update to NL of the same fund for all future deposits.
In alignment with Equitable's current administrative rules, if the client has DSC or LL funds, the client will not be able to deposit No Load Chargeback funds (NL-CB and NL-CB5) within the same policy.

For more information, please click here.

LEGACY SEGREGATED FUND PRODUCTS

Ongoing deposits to DSC funds continue when a segregated fund product does not have an alternative sales charge option available within the contract. This applies to the following products:
- Personal Investment Portfolio
- Pivotal Solutions II
- Pivotal Solutions DSC
Clients may continue to make new deposits to the DSC funds within the policy. Any new segregated fund deposits, as well as any existing segregated fund amounts within the policy, will retain the DSC schedule outlined in the contract.

For more information, please click here.

Equitable's Advisor Services Team is available Monday to Friday, 8:30 a.m. – 7:30 p.m. ET at 1.866.884.7427 or by email at savingsretirement@equitable.ca. You can also contact your Regional Investment Sales Manager.

*Draft regulation in Quebec is currently under review which may affect Equitable Life’s approach for clients in the Province of Quebec with legacy segregated fund products. We will continue to monitor provincial regulatory developments.

™ or ® denote registered trademarks of The Equitable Life Insurance Company of Canada.

Date posted: May 4, 2023
Roll out the red carpet for a refreshed Term! We are pleased to announce that updates to our Term life insurance solution are now live! We believe that Term life insurance can deliver value to clients at every stage of their life journeys. Be it at renewal or at conversion, Term is a flexible and affordable life insurance solution for clients today and into tomorrow.

On February 3^rd, 2024, we refreshed our Term life insurance solution. Some of the existing and new updates with our Term offering include:
●  More targeted, competitive pricing,
●  Benefits re-aligned under the KIND™ program,
●  Yearly renewals. After the initial term of level premiums, Term life insurance will now renew yearly with premiums gradually increasing each year. This will help clients keep their Term protection longer without large premium increases.

With these updates and more, our Term solution doesn’t just “do the job,” it’s what clients want!

Visit our splash page and watch our informative video to learn more and start selling today!

View our Transition Rules for all the details on processing your applications.

We’ve also updated our illustration tool:
● New Desktop illustration software

Want to learn more?
Contact your Equitable wholesaler anytime!

® or ™ denotes a trademark of The Equitable Life Insurance Company of Canada.
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[pdf] Pivotal Select Application - Registered/Non-Registered