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1. Secure your GIA with Equitable today! In uncertain times, a Guaranteed Interest Account (GIA) is a safe and stable investment opportunity. Now is a great time to consider a GIA with Equitable^®.
   
   Equitable offers:
   •    market leading interest rates¹, with higher rates for larger deposits;
   •    many account types, including the First Home Savings Account; and
   •    options to invest up to age 95².
   
   “GIAs offer a number of benefits for investors, especially in times of market volatility.” said Cam Crosbie, Executive Vice President, Savings & Retirement. Equitable. “In uncertain times, let your investments be certain. Choose GIAs for guaranteed peace of mind and predictable returns, along with estate planning benefits, and potential creditor protection.”
   
   GIAs are simple fixed-income investments that add value to a portfolio. Equitable GIAs provide competitive interest rates and protection from market volatility. For more information visit EquiNet^® and don’t forget to register for our interest rate change alert email.
   
   For more information or assistance, please contact your Director, Investment Sales.
   
   1 Equitable has made every effort to ensure accuracy of competitive information. Accuracy is not guaranteed. 
   2 Some available term lengths may be limited starting at age 90.
   
   Date posted: May 14, 2025
2. [pdf] Build Your Business - Fully funding a client’s First Home Savings Account
3. Convertibility - The Power of Term
4. [pdf] Pre-Authorized Debit (PAD)
5. Savings & Retirement Policy and Procedure updates regarding Electronic Signatures We have updated our policies and procedures regarding electronic signatures in the Savings and Retirement department. We are now able to accept electronically signed documents, from all major third-party signing vendors.  
   
   Including esign@equitable.ca as a non-signing reviewer is the preferred method as it ensures the security embedded documents are accurately and immediately available for Equitable. We will be automatically notified when signing is complete and will download eSigned forms immediately for processing. Including esign@equitable.ca as a non-signing reviewer is secure, quick, and efficient. Documents no longer need to be emailed to us – eSigned documents are sent directly to us once all signatures are completed, therefore you do not need to notify us once the documents are signed.  
   
   When esign@equitable.ca is not used to submit electronically signed documents, the following criteria are required: 
   • The original signed form and audit trail with all the security features intact 
   • The email address used to sign must match what is in our files (as provided on the application, for electronic policy delivery or through previous communication). If an email address has changed, or we don’t have an email contact for the signer, we will follow up for confirmation. 
   
   A guide on how to use esign@equitable.ca can be found here.
   
   Please note that Equitable does not accept digital signatures (images or fonts of a signature which are not stamped). 
   
   Date posted: June 13, 2024
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