EquiNet Equitable Life's advisor site

Site Search

743 results for access here PROBLEMGO.com Need a bondsman who takes payment plans for release today

  1. Universal life product linked interest option changes

    On July 1, 2025, we will be changing the index that is tracked for the linked interest options shown far below.

    Clients can change their investment options at any time if they choose. This includes the Linked Interest Option(s) for money currently invested and future deposits.

    Requests for this change can be done:
     
    • Online by advisors – Go to Policy Inquiry on EquiNet® (advisor site).
    • Online by clients – Links in Client Access® through Equitable.ca.
    Please contact your Equitable® Wholesaler for more information. 
     
    Linked Interest Option                               Universal life insurance solution Currently tracking Effective July 1, 2025
    Canadian Equity Index   • Equitable GenerationsTM S&P/TSX 60® Total Return Index S&P/TSX Composite® Total Return Index
    Canadian Equity
    • Equation Generation® IV
    • EquiLife®
    • Equation Generation III
    • Equation Generation II
    • Equation
    • Direction 2000 Plus

    S&P/TSX® 60 Total Return Index and S&P/TSX Composite® Total Return Index registered trademarks of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and S&P Global. All others are registered trademarks of The Equitable Life Insurance Company of Canada.
     
  2. Earth Day: A simple way to talk about sustainable investing Earth Day is a great time to talk with clients about investing with purpose. This year’s theme—Our Power, Our Planet—highlights the impact of individual and collective choices, including how we invest.

    Many Canadians are interested in sustainable investing, which looks at environmental, social, and governance (ESG) factors alongside long term returns. Clients want to understand how the power of their money can support positive change—without sacrificing performance. Sustainable investing can look at things like reducing carbon impact, supporting fair workplaces, and encouraging strong company leadership.

    Watch out for greenwashing
    Not all investments labeled “sustainable” are the same. Some products may use the term without real environmental efforts or strategies. This is known as greenwashing.
    That’s where advisors can add value. By understanding how funds are built and what they hold, you can help clients make informed choices they feel confident about.

    How Equitable can help
    Equitable® offers sustainable investing fund options that include ESG considerations as part of a disciplined investment approach. Take this opportunity to review available options and fund details.

    You can also support sustainability through how you work with clients. Equitable’s paperless tools help reduce paper consumption and improve efficiency:
    •    Equitable Client Access® for online account viewing
    •    EZtransact® for fast, digital transactions
    •    EZcomplete® for easy, paper free applications

    Take action
    Earth Day is a great time to:
    •    Start simple conversations about sustainable investing
    •    Share Equitable’s sustainable fund options with clients
    •    Promote paperless tools that are better for clients and the environment

    Small steps—done consistently—can make a meaningful difference for clients and the planet. If you have questions, speak with your Director, Investment Sales.

    Date posted: April 22, 2026
  3. [pdf] RRSP to RRIF Conversion
  4. Policy Change eDelivery
  5. This year’s RSP contribution deadline is March 1, 2022

     

    Does your client want to contribute or open a new policy this Retirement Savings Plan (RSP) season?  Whether using paper or our recent EZtransact online platform, here are some important things to remember.
     

    Issuing New Policy with EZcomplete®

    • All online applications must be digitally signed and submitted and have a date stamp no later than March 1, 2022.


    Issuing New Policy using Paper Application

    • For contributions to qualify for the first 60 days, all paperwork must be completed and signed by March 1, 2022. Equitable Life must receive all paperwork by March 7, 2022.



     

    Deposits to Existing Policy

    • Advisors can setup a one-time or recurring deposit or edit an existing pre-authorized debit already in place using EZtransact. Online deposits must be made and have a date stamp by March 1, 2022, to qualify for a 2021 tax receipt. New to EZtransact? Try our EZtransact Practice Site to see how EZ it is to use.
    • Clients can make online deposits to Equitable Life® through their financial institution’s online banking service. Online deposits must be made and have a date stamp by March 1, 2022, to qualify for a 2021 tax receipt. 
    • Clients can also make a new deposit to an existing policy by cheque. The cheque must be dated and signed by March 1, 2022. Equitable Life must receive the cheque no later than March 7, 2022.
    If online banking is being used to fund the policy – either topping up an existing policy or opening a new policy – the online banking transaction must be completed by March 1, 2022, to receive a 2021 tax receipt.

    Do not miss your opportunity to have your contributions count for 2021!

    Please note that cheques and other paperwork cannot be backdated.  They must be completed and signed by March 1, 2022, to qualify for a 2021 tax receipt.
     
     
    ® denotes a trademark of The Equitable Life Insurance Company of Canada.
  6. Clients can win up to $5,000 in the RSP Grow Your Future Contest!
    RSP season is here and Equitable Life® is giving clients and their advisors a chance to win BIG with the Grow Your Future Contest.

    This contest is for advisors and clients working together to build wealth that lasts through the ups and downs.

    Two ways to win:

    1. Between January 1 and March 1, 2023, if the client makes a deposit into an Equitable Life RSP policy
     
        image.jpg

    2. Between January 1 and 31, 2023, if the client makes a deposit into an Equitable Life RSP policy

       image2.jpg

    See full contest details. Grow the future this RSP season!

    Equitable Life is committed to offering clients product, service, and choices that best suit their needs. We are pleased to offer multiple sales charge options, three distinct guarantee classes, and a diverse selection of investment funds.

    Speak to your Regional Investment Sales Manager to learn more.
     
    * Draws occur weekly from January 9 – February 6, 2023.
     ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
    Grow Your Future RSP Contestt: No purchase necessary. Contest period January 1, 2023 to March 1, 2023.  Enter by making a deposit to an Equitable Life RRSP during the contest period or by submitting a no-purchase entry.  Forty-four prizes to be awarded, for a total value of $10,200 CAD. Twenty-one $100 prizes, to be drawn on January 9, 2023, January 16, 20232, January 23, 2023, January 30, 2023 and February 6, 2023. One Grand Prize draw, for a prize of $5,000 CAD, to be held on March 2, 2023. The servicing advisor for the policy to which the selected entrant made the deposit is also an eligible winner: (i) for $100 prizes, the servicing advisor will also receive a $100 prize; and (ii) for the $5,000 grand prize, the servicing advisor will receive a $1,000 prize. For example, if an Equitable Life client is a winner of a $100 prize, the client’s servicing advisor also wins a $100 prize; if an Equitable Life client is a winner of the $5,000 grand prize, the client’s servicing advisor wins a $1,000 prize.  Open to legal residents of Canada of the age of majority. Eligible non-winning Entries will continue to be eligible on subsequent Draw Dates. Maximum one $100 prize per person and one $5,000 or $1,000 prize per person. Odds of winning depend on number of eligible Entries received during the Contest Period.  For full contest rules, including no-purchase method of entry, see full contest rules.
  7. Clients can win up to $5,000 in the RSP Grow Your Future Contest!

     

    RSP season is here and Equitable Life® is giving clients and their advisors a chance to win BIG with the Grow Your Future Contest.


    This contest is for advisors and clients working together to build wealth that lasts through the ups and downs.









    Two ways to win:

    1. Between January 1 and March 1, 2023, if the client makes a deposit into an Equitable Life RSP policyImage1EN-(1).jpg

    2. Between January 1 and 31, 2023, if the client makes a deposit into an Equitable Life RSP policy*

    Image2EN-(2).jpg


    Full contest details.


    Grow the future this RSP season!

    Equitable Life is committed to offering clients product, service, and choices that best suit their needs. We are pleased to offer multiple sales charge options, three distinct guarantee classes, and a diverse selection of investment funds.

    Speak to your Regional Investment Sales Manager to learn more.

    *Draws occur weekly from January 9 – February 6, 2023.


    winner-banner.png

     


     ® denotes a registered trademark of The Equitable Life Insurance Company of Canada.
    Equitable Life® 2023 RRSP Season Contest: No purchase necessary. Contest period January 1, 2023 to March 1, 2023. Enter by making a deposit to an Equitable Life RRSP during the contest period or by submitting a no-purchase entry. Forty-four prizes to be awarded, for a total value of $10,200 CAD. Twenty-one $100 prizes, to be drawn on January 9, 2023, January 16, 2023, January 23, 2023, January 30, 2023 and February 6, 2023. One Grand Prize draw, for a prize of $5,000 CAD, to be held on March 2, 2023. The servicing advisor for the policy to which the selected entrant made the deposit is also an eligible winner: (i) for $100 prizes, the servicing advisor will also receive a $100 prize; and (ii) for the $5,000 grand prize, the servicing advisor will receive a $1,000 prize. For example, if an Equitable Life client is a winner of a $100 prize, the client’s servicing advisor also wins a $100 prize; if an Equitable Life client is a winner of the $5,000 grand prize, the client’s servicing advisor wins a $1,000 prize. Open to legal residents of Canada of the age of majority. Eligible non-winning Entries will continue to be eligible on subsequent Draw Dates. Maximum one $100 prize per person and one $5,000 or $1,000 prize per person. Odds of winning depend on number of eligible Entries received during the Contest Period. For full contest rules, including no-purchase method of entry, see full contest rules.

    Posted December 1, 2022

  8. 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 
     
  9. Gathering paperwork for a new application
  10. 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.