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  1. EquiNet-FAQ
  2. [pdf] Limited Trading Authorization
  3. Special 5% rate for clients until Pivotal Select FHSA is available  

    Great news for clients saving for their first home! For a limited time, clients who intend on setting up a First Home Savings Account (FHSA) with Equitable Life® can deposit money to a Guaranteed Interest Account (GIA) now and enjoy a special rate of 5.00%.1 
     
    The special rate applies only if the client transfers the funds to an FHSA by December 28, 2023; otherwise, the standard Daily Interest Account (DIA) rate will be applied to those funds.
     
    Here’s how to take advantage of this special rate:
     
    For New Clients:

    • Complete an application for a non-registered GIA. On the application select “Daily Interest Account” as the investment instructions and write the amount to be deposited (minimum $500, maximum $8,000).
    • In the Special Instructions section of the application, write “FHSA”.
    • The GIA application form (799) can be found here
     

    For Existing Clients - must have a GIA (Compound Interest Only) policy:
    • Submit a letter of direction or complete the Investment Direction form requesting to deposit funds to the DIA for the FHSA promotion (minimum $500, maximum $8,000)
    • Complete sections 1, 3, 4, 12 and 13 of the Investment Direction form, and in the Special Instructions area, write “FHSA”.
    • The Investment Direction form (693ANN) can be found here
     Although DIA is selected, the funds will be deposited to and displayed in EquiNet® and Equitable Client Access® as a special 1-year Guaranteed Deposit Account (GDA). Only new lump sum deposits are eligible for the special rate of 5.00%.1
     
    The GDA will be a non-registered account and any interest earned will be taxable.
     
    Once the Equitable Life FHSA is available:
    • Submit a Pivotal Select™ FHSA application, and request to transfer the funds from the GDA to the Pivotal Select policy.2 No Market Value Adjustment fees will be charged.
    • In the Special Instructions section, indicate the source of funds to be “FHSA promotion funds” and provide instructions on where to direct any excess funds in the GIA if applicable.
    • The funds will be transferred to the FHSA.3
    • Any excess funds over $8,000 will be returned to the client as a direct deposit, a cheque, or the client can keep the GIA open.
    Additional information about this promotion
    This is a great opportunity for clients to start saving for their first home today while earning an excellent rate. The advisor receives a reduced upfront commission4 for the pre-FHSA deposit to the GDA, in addition to the commission that will be earned by moving the funds to the Pivotal Select FHSA.
     
    This special savings rate promotion is available until the launch date of Equitable Life’s FHSA unless the promotion is ended on an earlier date at Equitable Life’s discretion. The maximum amount on which a client can receive the special savings rate is $8,000.
     
    Clients who do not transfer funds to the FHSA on or before December 28, 2023 will not receive the promotional rate. We will transfer the funds from the special GDA to the DIA account effective as of the date of deposit. As a result, the interest received by the client from the date of deposit to December 28, 2023 will be the DIA rate rather than the promotional rate.

    Questions? Please see our FAQ

    For more information, please contact your Regional Investment Sales Manager. Additional details about the FHSA can be found on the Government of Canada’s website.

     
    ® denotes a trademark of The Equitable Life Insurance Company of Canada.
     
    1 The pre-FHSA special saving rate of 5.00% per year compounds daily and takes effect from the date Equitable Life receives the deposit and will end on the date the FHSA Pivotal Select segregated fund product is launched later this year (December 28, 2023 at the latest). In the unlikely event Equitable Life’s Pivotal Select FHSA is unavailable in 2023, the funds subject to the promotion will earn the 5.00% rate for 1 year from the date of deposit through maturity in 2024.
     
    2 The FHSA promotion will only be available as a Pivotal Select Segregated Fund policy. Clients can open a FHSA only if they meet the eligibility criteria when they sign the application.
     
    3The funds in the Guaranteed Interest Account will be transferred to the FHSA in the form of a contribution of up to $8,000 on or after the date the client signs the FHSA application form. Clients must open a FHSA to receive the special bonus interest.
     
    4 Commission of 0.20% paid upfront for money received and deposited to the policy by September 29, 2023. 0.05% paid upfront for money received and deposited after September 29, 2023, and the earlier of the promotion termination or December 28, 2023.  Commissions are paid through an adjustment to our current 40bps commission on our one-year GDA by way of a chargeback reducing the commission to the rate stated in this note.

    Posted June 1, 2023
  4. [pdf] B2B Loan application process for Equitable Life of Canada
  5. [pdf] EZtransact FAQ
  6. Reinstatements
  7. Exciting new product changes are coming your way! Equitable Life® has exciting product enhancements that will help you offer more choices for clients in 2022.
     
    Changes to our whole life and critical illness insurance products effective February 12, 2022, include:

    •   NEW! 10 pay premium option with Equimax Estate Builder®
    •   NEW! EquiLiving® plans and riders enhanced  

    EZcomplete and paper applications will be updated on February 12, 2022

    Transition rules are available.

    Watch for more information including the virtual product launch event.
     
  8. [pdf] Preferred Retirement Solution using Equimax
  9. 2024 Holiday hours
    The Holiday season brings thoughts of gratitude, and there is no better time to express our thanks and sincere appreciation for your dedication and commitment to Equitable.
     
    Thank you for your support this past year and for trusting Equitable with your Individual Insurance and Savings & Retirement business. Happy Holidays!
     
    Client Care Centre Holiday Hours
    Friday December 6, 2024 - CLOSED
    Tuesday December 24, 2024 - 8:30 a.m. – 11:00 a.m. ET
    Wednesday December 25, 2024 – CLOSED
    Thursday December 26, 2024 – CLOSED
    December 27, 30 and 31, 2024 - 8:30 a.m. – 7:30 p.m. ET
    Wednesday January 1, 2025 - CLOSED





    Savings & Retirement
    All transaction requests to be handled same business day must be submitted in good order by:
    ● December 24, 2024, 11:00 a.m. ET
    ● December 31, 2024, 11:00 a.m. ET

    FHSA applications to be considered for 2024 contribution year must be submitted in good order by:
    ● December 31, 2024, 11:59 p.m. ET

    FHSA online banking deposit deadline for 2024 contribution receipt:
    ● December 24, 2024, 4:00 p.m. ET Note: Transaction requests submitted after 11:00 a.m. ET will be processed effective next business day

    RRSP deposits to be considered for the 2024 tax year must be:
    ● Dated March 3, 2025, or before
    ● Must be submitted to Head Office in good order by March 7, 2025, by 4:00 p.m. ET

    RRSP applications to be considered for 2024 contribution year must be submitted in good order by:
    ● March 3, 2025, 11:59 p.m. ET

    RRSP B2B Loans:
    ● RRSP loan deposits must be received by March 14, 2025, by 4:00 p.m. ET
    Note: Transactions submitted after these dates will not receive a 2024 contribution receipt


    Individual Insurance
    Underwriting
    ● Underwriting must receive all evidence and outstanding Underwriting requirements by December 9th at the latest. Underwriting will then be able to decision these cases by December 16th. This will give the New Business team December 13th – December 31st to issue and settle policies.  

    New Business
    ● New Business will continue to process all issue and settle requirements every business day until the last working day of the year – December 31st. New Business needs to receive ALL final settle documents in Good Order within our posted service standards. We are currently operating at a 3 business day turn around time.

    Field Payroll
    ● Second Last Pay Period for 2024 – December 11, 2024 to December 17, 2024 (Transmission/Statement date December 18, 2024)
    ● Last Pay Period of 2024 – December 18, 2024 to December 31, 2024 (Transmission/Statement date January 2, 2025)
    ● First Pay of 2025 – January 1, 2025 to January 7, 2025 (Transmission/Statement date on January 8, 2025)  

    Daily Pay will run on business days.

    Please note that all requirements must be received in Head Office by the above dates to guarantee settlement for year end.
     
  10. [pdf] Preferred Estate Transfer using Universal Life