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Save time on your DIA/GIA applications with EZcomplete
Save time on your Daily Interest Account and Guaranteed Interest Account applications with Equitable’s EZcomplete^®. Recently launched on Equitable’s electronic application platform, EZcomplete takes the hassle out of completing applications.

EZcomplete applications are available for:
• Daily/Guaranteed Interest Accounts
•   Pivotal Select^™ segregated funds
•   Equitable Generations^™ universal life insurance
•   Equimax^® participating whole life insurance
•   EquiLiving^® critical illness insurance

Did you know:
•   Applications settle faster due to significantly fewer “NIGOs” (not in good order).
•   The electronic signature process is seamless, and ideal for in-person or remote applications.
•   EZcomplete delivers point-of-sale materials directly to clients.
•   Only the relevant sections display, reducing complexity, and simplifying the application process.

Just another reason to do business with Equitable. Go online today! Log in to EquiNet^® and click on the EZcomplete icon on the menu bar.

Date posted: October 8, 2024
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
EZ Upload
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.
Critical Illness Path to Success Program
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
Invesco

Advisor Compensation after the DSC/LL ban May 29, 2023 As of May 29, 2023, Pivotal Select segregated fund contracts will not allow new deposits to the Deferred Sales Charge (DSC) and Low Load (LL) sales charge options. This is in response to the ban on deferred sales charges by the Financial Services Regulatory Authority (FSRA). The following sales charge options will continue to be available:

No Load (NL)
No Load – 3 year chargeback (NL-CB)
No Load – 5 year chargeback (NL-CB5)

Advisors may be wondering how compensation compares under various sales charge options.

Here is an example of advisor compensation for a $100,000 segregated fund contract in the Equitable Life Active Balanced Portfolio Select.*

Year	No Load	DSC	Low Load	No Load CB	No Load CB5
1	$1,008	$5,544	$3,024	$3,500	$5,600
2	$1,008	$504	$504	$504	$504
3	$1,008	$504	$504	$504	$504
4	$1,008	$504	$1,008	$504	$504
5	$1,008	$504	$1,008	$1,008	$504
6	$1,008	$504	$1,008	$1,008	$504
7	$1,008	$504	$1,008	$1,008	$504
8	$1,008	$504	$1,008	$1,008	$504
Contract Value	Total Compensation Paid
$100,000	$8,064	$9,072	$9,072	$9,044	$9,128

*For illustration purposes, this assumes a 0% return over the period shown.

Over an 8-year period, total advisor compensation with the CB5 sales charge option is $9,128 versus $9,072 and $8,064 with DSC and NL respectively.

Below is the chargeback schedule for NL-CB and NL-CB5:

Month (age of units)	Commission Chargeback Schedule NL-CB	Commission Chargeback Schedule NL-CB5
1 - 12	100%	100%
13 - 24	97.2% - 66.4%	98.3% - 82.0%
25 – 36	63.6% - 32.8%	80.5% - 64.0%
37 – 48	0%	62.5% - 46.0%
49 – 60	0%	44.5% - 28%
61+	0%	0%

For more information, please contact your Regional Investment Sales Manager.

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

Date posted: June 15, 2023

Extending Homeweb to plan members who are losing coverage
We know these are difficult times for Canadian employers and their employees.

As businesses temporarily suspend operations to help stop the spread of COVID-19, some employers have had to make the difficult decision to temporarily lay off employees or put their benefits coverage on hold.

So we are pleased to announce that Homewood Health^® and Equitable Life^® will extend access to Homeweb, a personalized online mental health and wellness portal, for up to 120 days for plan members who have temporarily lost their benefits coverage due to COVID-19.

Employees and their family members will continue to have access to the Homeweb website and mobile app, including:
- iVolve, Homewood’s online self-directed Cognitive Behavioural Therapy treatment tool to help manage mild to moderate anxiety and depression;
- Resources and information to support themselves and their family members through the COVID-19 pandemic;
- An interactive online Health Risk Assessment to help identify and address health risks; and
- An online library of interactive tools, assessments and 20 different e-courses that allow each user to learn at his/her own pace.
This will allow businesses undergoing financial hardship to provide some support to employees who are temporarily without benefits coverage.
Equitable Life creates guide to accessing virtual healthcare at no cost
With many health clinics closed and the healthcare system under strain, people are looking to access a doctor and other health providers virtually.

To make it easier for plan members, we’ve created the Guide to Accessing Virtual Health Care Services on the plan member section of EquitableHealth.ca. This online resource provides information about and links to a range of virtual health services they need to take care of their health and the health of their family during these challenging times.

The Guide also indicates which services can be accessed for free. In some provinces, online doctor visits are now covered by the public health plan, so there’s no cost to the patient to access them as long as they provide their valid provincial health card. In other provinces, the nominal fee can be claimed on a Health Care Spending Account.

We will continue to update the Guide as more virtual healthcare providers and services become available.

View our Guide to Accessing Virtual Healthcare