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- [pdf] Protecting your plan
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Backdating of insurance applications – New rule now in effect
Great news! We are making it even easier for you to do business with Equitable Life®. We now allow backdating of life insurance applications by up to 364 days. Previously, the maximum backdating period was six (6) months.
Backdating can result in lower total premiums for the client over the life of a policy based on their younger age at time of application. But clients must pay all the premiums due for the backdated period up front. Thus, backdating is only beneficial when the total premium savings over the life of the policy are greater than the premium due for the backdated period.
To request backdating beyond six (6) months (up to 364 days)
No special approval is needed. Simply add a note to the Advisor Sheet requesting backdating or contact us at any time prior to policy issue. This step is only necessary when backdating beyond six (6) months as the application will automatically prompt to save age within the 6-month period.
Note: The maximum backdating period for critical illness (CI) applications remains unchanged at three (3) months.
Questions? Please contact your Equitable Life Regional Sales Manager for more information.
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Equitable Savings & Retirement Webcast featuring Payout Annuities
This month, Equitable® highlights payout annuities. We will talk about life annuities, product features, taxation and the benefits that payout annuities can bring to a client’s retirement plan.
Join your host, Deedra Weinstein, Head of S&R Product and Marketing, as she welcomes Nicole Lemon, Product Manager, Savings and Retirement, on Wednesday, November 27, 2024, at 2:00 p.m. ET / 11:00 a.m. PT.Learn more
Continuing Education Credits
This webcast has been accredited for continuing education (CE) credits for all provinces excluding Quebec via the Insurance Council of Manitoba and Alberta Insurance Council. To be eligible for CE credits, you must register individually, watch the webcast in full and complete a short quiz. This webcast is available in English only.
Date posted: November 14, 2024 - EZ Upload
- Our service standards - Individual insurance
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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.
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Supporting you and your group clients during the COVID-19 pandemic
We know these are challenging times.
As COVID-19 continues to spread, we want to reassure you that we remain ready and committed to support you, your group clients and their plan members.
We have a robust and well-tested business continuity plan in place and have taken the necessary steps to maintain the high level of service you have come to expect from us. Our business is near 100% digital, so the vast majority of our employees are now working remotely from home and are fully functional. Our Customer Care Centre remains open to support plan members and can be reached at 1.800.265.4556. And our Client Relationship Specialists are available for Plan Administrator questions and support.
As the situation continues to develop, we know you will have questions about what it means for your clients and their plan members. We have already issued announcements related to Travel Assist coverage for plan members who are outside of the country, and about short-term disability coverage for plan members who are in quarantine or self-isolation. We will continue to provide timely updates as developments unfold.
All of us are facing an unprecedented number of urgent situations where there is no established protocol. Our commitment to you and your clients is to respond quickly, and to be flexible where we can, tailoring solutions to specific needs. The global situation is evolving rapidly; we ask for your patience as our solutions also evolve quickly and accordingly. Your Group Account Executive and myFlex Sales Manager are well equipped to navigate Equitable Life’s experts and to resolve difficulties.
These are extraordinary times and history is in the making. Rest assured that Equitable Life is unwavering in our support, and we will be here to help you when it matters most.
- Login information for current advisors
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This year’s RSP deadline is March 2, 2026
RRSP deposits to be considered for the 2025 tax year must be:
• Dated March 2, 2026, or before
• Must be submitted to Head Office in good order by March 6, 2026, by 4:00 p.m. ET
RRSP applications to be considered for 2025 contribution year must be submitted in good order by:
• March 2, 2026, 11:59 p.m. ET
RRSP B2B Loans:
• RRSP loan deposits must be received from B2B by March 13, 2026, by 4:00 p.m. ET
Note: Transactions submitted after these dates will not receive a 2025 contribution receipt
Please note that all requirements must be received in Head Office by the above dates to guarantee settlement for year end.
Have you started talking to your clients about their Registered Retirement Savings Plan (RRSP) contributions yet? Equitable® has a range of RRSP solutions that can help meet their needs, including:- Daily/Guaranteed Interest Account
- Equitable Guaranteed Investment Funds™, available in:
- o Investment Class (75/75)
- o Estate Class (75/100)
- o Protection Class (100/100)
Most clients genuinely want to save for retirement, but intentions alone aren’t enough—they need a plan. As their trusted advisor, you can help them understand why making their RRSP a priority is an important step toward long‑term financial security.
To support those conversations
Most clients genuinely want to save for retirement, but intentions alone aren’t enough—they need a plan. As their trusted advisor, you can help them understand why making their RRSP a priority is an important step toward long‑term financial security.
To support those conversations, we’ve pulled together helpful tools and marketing materials that show how an Equitable RRSP can make a meaningful difference in reaching their retirement goals. Resources include:- Investment calculators
- A retirement savings plan is just a relevant now as it was over 60 years ago
- Borrowing money to save money
From January 1 to March 2, 2026, when clients open or add money to an Equitable TFSA or RRSP, they’ll automatically be entered into Equitable’s Snowball Your Savings contest. Two lucky clients will win — and their advisors get to celebrate too! -
Sharpen your skills with Equitable’s Path to Invest summer learning modules
Want to stay ahead, bring more value to clients, and earn Continuing Education (CE) credits?
Equitable® now offers new online summer modules to help you grow your financial knowledge. These self-paced Path to Invest modules are available on our ON24 platform. You can learn on your own schedule and earn CE credits with ease.
Whether you want to boost your investment skills or have better client conversations, these courses are here to support your growth.
The first module, Index Investing, explores the basics of index investing, how it compares to active management, and how using indexes can help diversify client portfolios.
The second module, Saving for a Home with Equitable, equips you with strategies and tools to guide clients through the homebuying journey, including insights on savings vehicles, intergenerational wealth transfers, and mortgage planning.
Each course is approved by the Alberta Insurance Council and the Insurance Council of Manitoba. You will earn 1 CE credit for each course after passing the quiz.
Start learning today! Visit our Learning Centre to begin.
If you have any questions, reach out to your Director, Investment Sales. When we work together, success is mutual.
Continuing Education Credits
To be eligible for CE credits, you must register individually, watch the webcast in full and complete a short quiz. These webcasts are available in English only. It is the advisor's responsibility to ensure Continuing Education credits being offered are accepted by the licensing body. Alberta Insurance Council (AIC) credits are valid in Yukon, British Columbia, Alberta, Saskatchewan, Ontario, New Brunswick, Prince Edward Island and Nova Scotia. Insurance Council of Manitoba (ICM) credits are valid in Manitoba only.
Date posted: July 17, 2025