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1. 2025 Holiday hours Individual Wealth As the holiday season draws near, we want to express our heartfelt gratitude for your trust and partnership with Equitable. Your dedication and commitment truly make a difference.
   
   Thank you for choosing Equitable for your insurance and wealth solutions and for your continued support throughout the year. Wishing you and your loved ones a joyful holiday season and a successful year ahead!
    

   Client Care Centre holiday hours

   Wednesday December 24, 2025 - 8:30 a.m. – 3:00 p.m. ET
   Thursday December 25, 2025 – CLOSED
   Friday December 26, 2025 – CLOSED
   December 29, 30 and 31, 2025 - 8:30 a.m. – 7:30 p.m. ET
   Thursday January 1, 2026 - CLOSED
    

    

   
   
    

   Individual Wealth

   All transaction requests to be handled same business day must be submitted in good order by:
   • December 24, 2025, 11:00 a.m. ET
   • December 31, 2025, 11:00 a.m. ET
   
   FHSA applications must be submitted, in good order by December 31, 2025 at 11:59 p.m. ET to be considered opened in 2025
   
   FHSA deposits to be considered for the 2025 tax year must be:
   • Submitted to head office in good order by 11:00 a.m. ET on December 31, 2025
   
   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 by March 13, 2026, by 4:00 p.m. ET
   Note: Transactions submitted after these dates will not receive a 2025 contribution receipt
   
   If applications or files come in after the posted cut-off dates, we’ll do our very best to help and aim to settle the policy by year-end. Although we can’t promise the timeline, we’ll work together to make it happen wherever possible.
    
   Thank you for your business and support. We look forward to working together to make this a great year end!
   
   Please note that all requirements must be received in Head Office by the above dates to guarantee settlement for year end.
   
   Looking for Individual Insurance holiday hours? Please click here.

2. New segregated fund sales charge option from Equitable Life of Canada
   On December 7, 2020 Equitable Life® will add a new No Load CB5 (NL-CB5) sales option with a 60-month chargeback schedule to the Pivotal Select™ segregated funds lineup. This new sales charge option complements the recently launched No Load CB (NL-CB) option which has a 36-month chargeback schedule.
   
   This new sales option for Pivotal Select gives you and your clients five sales charge options to choose from: Low Load (LL), No Load (NL), No Load CB (NL-CB), No Load CB5 (NL-CB5) and Deferred Sales Charge (DSC). The addition of NL-CB5 provides an option for those advisors who want to increase the upfront portion of their commission. The benefit to clients is no Deferred Sales Charge to contend with.  If your client chooses to withdraw funds within 5 years after purchase, there is a chargeback of commission to you.
   
   By offering five sales charge options, the choice between three distinct guarantee classes (Investment Class (75/75), Estate Class (75/100) and Protection Class (100/100)), and a diverse selection of investment funds, the Pivotal Select contract provides the flexibility to build an investment solution that meets the needs of your clients.
   
   Need to meet with your client online? Our EZcomplete® application makes it easy to process your non-face-to-face applications and do business with Equitable Life. EZcomplete gives you the option to conduct your non face-to-face business easily and quickly, enabling your clients to provide their signature remotely on their own device.
   
   For more information about Equitable’s NL-CB5 or any of Equitable’s products, contact your local Regional Investment Sales Manager or our Advisor Services team at 1.866.881.7427 Monday to Friday 8:30 a.m. – 7:30 p.m. ET or email savingsretirement@equitable.ca.
    

   To learn more, click here. 

3. Equitable Life’s Participating Account reaches $1 billion in assets We are thrilled to announce that we’ve recently reached a milestone!
    
   Our PAR account has surpassed $1 billion in assets. This is something we’re very proud of and we ultimately view as a sign of confidence from you and our clients.
    
   Thanks for your continued support. 
    
4. Ride the wave this RSP season with Equitable Life

   
   You can't stop the RSP wave. But you can ride it. Ride the wave this RSP season with tools that make it easy to complete applications and deposits online - only from Equitable Life.
   
   Learn more.

    
    
5. The right tools to seize the RSP Season

   
   Fast. Easy. Accurate. With the EZ Suite of services from Equitable Life^®, you won’t just get on top of the wave this RSP season, you’ll enjoy the ride.
   
   Learn more.

   
    
6. Ride the same-day service wave with Equitable Life

   
   Sit back and relax – we’ve got your deposits covered. Make setting up one-time or recurring deposits flow like water with EZtransact™ - only from Equitable Life^®.
   
   Learn more

7. Message from Equitable President and CEO Fabien Jeudy

   I’m pleased to share our new brand with you. It’s an expression of our renewed purpose and commitment to work together, with our partners, to focus exclusively on our clients, protecting today and preparing tomorrow.

   Our commitment to you

   The new Equitable^® brand signifies our focus on making it even easier to do business with us. To continuously refresh our products to meet the evolving needs of Canadians. And to strengthen our partnerships that enable growth and positive outcomes. The result is an uncompromising commitment to our clients, our partners, our advisors, and our people.

   A year of transitioning to our new brand

   Over the next year, we’ll make the transition away from our legacy look as our new look starts to emerge.  We’ll invest in building more brand awareness so that together we can help even more Canadians. What you should know is that no matter old or new, our commitment is always focused on our clients, together with our partners.

   Join us in the journey

   We’ll provide more details on the changes we’re making, and we welcome you to join in the journey. I encourage you to reach out to your Equitable point of contact or visit equitable.ca to learn more.
   
    
   Why Equitable? The Power of Together.  
   View video on Vimeo.
   
    
   Equitable’s New Logo.
   View video on Vimeo.
   
   
   Sincerely,
   Fabien Jeudy
   President and CEO

8. Take the helm in 2024 with insights from leading investment experts

   Find out what our panel of leading investment experts are saying about the markets and how they are positioning their portfolios. Learn about the themes and forces driving markets and where there are opportunities.
    

    

   • •  Equitable Asset Management Group - Dave Irwin, AVP, External Fund Management.

   • •  Fidelity Investments - Ilan Kolet, Institutional Portfolio Manager, Global Asset Allocation (GAA) Group.

   • •  Franklin Bissett (ClearBridge) Investment Management - Les Stelmach, Senior Vice President, Portfolio Manager.

   • •  Mackenzie Bluewater Team - Shah Khan, Vice President, Portfolio Manager.

   Cam Crosbie, Executive Vice-President, Savings & Retirement will highlight some of the ways Equitable can help make 2024 a great year. We’ve got everything you need and more!
    
   Learn more!
    
    

   Posted January 3, 2024 
   
   Continuing Education Credits
   This webcast has been submitted for continuing education (CE) approval with the Insurance Council of Manitoba and Alberta Insurance Council for all provinces excluding Quebec. Upon approval, you will be sent an email notification to come back to the webinar presentation console to download your personalized certificate from the tool bar. 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.
    
   ™ and ® denote trademarks of The Equitable Life Insurance Company of Canada
9. Join us for an Equitable Life Master Class webcast featuring Dr. Ryan Murphy, Morningstar

   You’re invited to our next Equitable^® Master Class webcast offering compelling topics and unique ideas from leading experts to help you manage and grow your business.
   
   Just asking clients what their goals are may not be enough. Clients may respond in ways that seem reasonable but might not represent the goals that are truly important to them.
   
   In the Behavioural world, this is known as ‘thinking blind spots’ and stems from behavioural biases we all have. The blind spots can prevent clients from expressing their true goals to you and lead to a plan that doesn’t accurately represent their preferences and motivations. 
   
   Join us for an informative discussion led by Dr. Ryan Murphy, head of Morningstar’s global Behavioural insights in how you can get clients past their thinking blind spots.
    

   Learn more

   Continuing Education Credits
   This webinar has been submitted for continuing education (CE) approval with the Insurance Council of Manitoba and Alberta Insurance Council for all provinces excluding Quebec. Upon approval, you will be sent an email notification to come back to the webinar presentation console to download your personalized certificate from the tool bar. 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.
   
   ® or ™ denotes a registered trademark of The Equitable Life Insurance Company of Canada. 
   
   Posted February 1, 2024
10. Let’s “Talk Money”: From first savings to retirement income
    Financial Literacy Month may be ending, but the conversation shouldn’t.
    
    Talking with an advisor helps normalize money conversations— including discussions on saving, spending, managing debt, and more. This can help clients feel better and make smarter financial choices. As an advisor, you can guide clients from their first savings through to retirement with Equitable^® .
    
    Starting out? Clients can consider:
    Tax-Free Savings Account (TFSA)
    Save for short- or long-term goals and take out money anytime, tax-free.
    
    First Home Savings Account (FHSA)
    Save up to $40,000 tax-free for a first home. Contributions may be tax-deductible, and withdrawals are tax-free for buying a qualifying home.
    
    Growing wealth? Clients can consider:
    Registered Retirement Savings Plan (RRSP)
    Contributions may be tax-deductible. Good for long-term savings—money grows tax-free until retirement.
    
    Guaranteed Interest Account (GIA) / Daily Interest Account (DIA)
    Earn steady interest with flexible terms. Available in a TFSA, RRSP, and FHSA.
    
    Retirement ready? Clients can consider:
    Payout annuities
    Guaranteed income for life or a set time. Helps make sure savings last.
     

    Resources to support these conversations

    
    Use our easy online tools: EZcomplete^®  to apply and EZtransact™ for transactions. Let’s help Canadians save smarter—one step at a time. When we work together, success is mutual.
    
    Reach out to your Director, Investment Sales if you have questions.