Carrier Business Process Updates & e-Solutions

Insurance Carrier Investment e-signature policies >
Last updated 4/9/2021 - Any changes to process made by the carriers since this date will not be reflected here. If you are unsure of the process or want to verify, please confirm with the carrier in question or reach out to your regional investment processing team.

Refocus, Review & Rebuild Help Your Clients Prepare for Tomorrow and Recover with Confidence >

OSFI Implements Portability Transfers Freeze (Federally Regulated Private Pension Plans) >

Nest Wealth Plus Referral Agreement >

Sun Life Global Investments - eSignature feature is now available for Guaranteed Investment Funds >

BMO GIF Segregated Funds – Signature and From Delivery Changes >

BMO GIF Digital Briefcase >

Canada Life Investment Transactions (e-signature) >

Introducing RBCI E-Signatures on GIFs & Annuities Apps >

Sun Life GIFs - Application process modifications while working with clients remotely >

Manulife Seg Fund Business >

Empire Segregated Fund Business >

Links to non-face to face investment e-app videos >

B2B Investment Loans > 

Comfort Letter for Clients

• June 2022 Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)
  
  
  

Comfort Letter for Clients

• April 2022 Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)
  
  
• March 2022 Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)
  
  
• February 2022 Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)
  
  
• December 2021 Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)
  
  
• Q3 Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)
  
  
• Sept 2021 Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)

• Q2 2021 Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)
  
  
• June 2021 Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)
  
  
• May 2021 Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)
  
  
• July 24: Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)

• Q2 Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)

• July 17: Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)
  
  
• July 3: Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)
  
  
• June 26: Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)
  
  
• June 12: Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)
  
  
• June 5: Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)
  
  
• May 29: Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)
  
  
• May 22: Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)
  
  
• May 15: Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)
  
  
• May 8: Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)
  
  
• May 1: Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)
   
• April 24: Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)
   
• March 27: Client Comfort Letter - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)
  
  
• March 12 Client Comfort Letter - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)
  
  
• CI Investments - Q1 Client Letter
  
  
• iA Investments - Client Letter Keeping The Right Perspective

Client Resources

• Invesco - Navigating Volatility
• Fidelity Investments - Investing for Success
• 2019 Morningstar Andex Chart
• Mackenzie Investments Investing Insights
• Mackenzie Investments One-step Dollar Cost Averaging
• Manulife Investments - Five timeless principles for investing success
• BMO Global Asset Management - Missing the best days in the market
• Sun Life Global Investments - Diversification can help smooth out returns over the long term
• Sun Life Global Investments - Does it pay to stay invested when markets fall?
• iA Financial Group - Don't lose twice - After Periods of Market Volatility, how long will it take for you to recover?
• BMO Mutual Funds - Some of the top reasons not to invest over the last 3 decades
• BMO Global Asset Management - Defensive Growth Equity Investing Protection and Growth – You Can Access Both
• iA Wealth – How history proves that staying invested when things get rough pays off in the long run
• iA Wealth - Stick with Your Plan and Keep Your Perspective
• iA Financial Group - Enter, Exit or Stay Put? Protect Your Investments From Your Emotions!

Introducing RBCI E-Signatures on GIFs & Annuities Apps

• RBC Accepting e-signature for Seg Fund and Annuity applications
• DocuSign- How to e-Sign using DocuSign
• Application - RBC Payout Annuities
• RBC Guaranteed Investment Funds Application for Registered and Non-Registered Contracts
• RBC Guaranteed Investment Funds Application for Tax-Free Savings Account (TFSA)

Manulife Seg Fund Business

• Submitting a new registered contract in Online Transactions
• Submitting a new non-registered contract in Online Transactions
• Using DocuSign in Online Transactions
  
  
• Manulife has made it easier to do inforce changes and transactions and also do not need a wet signature
• Manulife Investments Client Signature Requirements for Segregated Funds, GICs/Term Funds and Annuities
• Dual Method Identification Form NN1663 | Français
• Making it easier to submit segregated fund and GIC business during Coronavirus

Advisor Practice Management Resources

• Mackenzie Investments - Your Market Volatility Tutor
• How to have a virtual first meeting
• The Social Advisor’s Guide to LinkedIn
• BMO Asset Management Insights - How to Manage Volatility Now – and Enhance Your Practice
• Connecting With Your Clients In The Virtual World

Links to non-face to face investment e-app videos

• Manulife Introduces E-Signatures for Segregated Fund Applications
• Empire Life  (password: fastandfull)
• Equitable Life – register to view an online video demonstration
• iA Financial Group  (please note the presentation will begin 4 minutes into the video)
• Mutual Funds - Company Details for Reduced RRIF Minimums as of April 22
• Segregated Funds - Company Details for Reduced RRIF Minimums as of April 22
• 2020 RRIF Minimum Minimum Annual Payment Reduction Frequently Asked Questions - CI Investments

Empire Segregated Funds Business

• Empire - New T2033 seg fund transfer form - with a non-face-to-face option

Carrier Business Process Updates & e-Solutions

Client Comfort Letter >

Insurance Carrier Investment e-signature policies >

Last updated 4/9/2021 - Any changes to process made by the carriers since this date will not be reflected here. If you are unsure of the process or want to verify, please confirm with the carrier in question or reach out to your regional investment processing team.

Refocus, Review & Rebuild Help Your Clients Prepare for Tomorrow and Recover with Confidence >

OSFI Implements Portability Transfers Freeze (Federally Regulated Private Pension Plans) >

Nest Wealth Plus Referral Agreement >

Sun Life Global Investments - eSignature feature is now available for Guaranteed Investment Funds >

BMO GIF Segregated Funds – Signature and From Delivery Changes >

BMO GIF Digital Briefcase >

Canada Life Investment Transactions (e-signature) >

Introducing RBCI E-Signatures on GIFs & Annuities Apps >

Sun Life GIFs - Application process modifications while working with clients remotely >

Manulife Seg Fund Business >

Empire Segregated Fund Business >

Links to non-face to face investment e-app videos >

B2B Investment Loans > 

Comfort Letter for Clients:

• March 2022 Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)
  
  
  

Comfort Letter for Clients:

• February 2022 Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)
  
  
• December 2021 Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)
  
  
• Q3 Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)
  
  
• Sept 2021 Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)

• Q2 2021 Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)
  
  
• June 2021 Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)
  
  
• May 2021 Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)
  
  
• July 24: Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)

• Q2 Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)

• July 17: Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)
  
  
• July 3: Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)
  
  
• June 26: Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)
  
  
• June 12: Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)
  
  
• June 5: Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)
  
  
• May 29: Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)
  
  
• May 22: Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)
  
  
• May 15: Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)
  
  
• May 8: Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)
  
  
• May 1: Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)
   
• April 24: Client Comfort Letter - General - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)
   
• March 27: Client Comfort Letter - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)
  
  
• March 12 Client Comfort Letter - This letter can act as a template for you to send to your clients.
  (If you are a HUB Capital advisor, you cannot alter the content of this letter for Mutual Fund clients, but you can put it under your letterhead.)
  
  
• CI Investments - Q1 Client Letter
  
  
• iA Investments - Client Letter Keeping The Right Perspective

Client Resources:

• Federal & Provincial Economic Response to COVID-19
• Invesco - Navigating Volatility
• Fidelity Investments - Investing for Success
• Mackenzie Investments - Federal tax & income support measures to combat the effects of COVID-19
• Mackenzie Investments - A quick review on Canada’s economic response plan
• Highlights of Canada's COVID-19 Economic Response Plan
• 2019 Morningstar Andex Chart
• Mackenzie Investments Investing Insights
• Mackenzie Investments One-step Dollar Cost Averaging
• Manulife Investments - Five timeless principles for investing success
• BMO Global Asset Management - Missing the best days in the market
• Sun Life Global Investments - Diversification can help smooth out returns over the long term
• Sun Life Global Investments - Does it pay to stay invested when markets fall?
• Sun Life Global Investments - Don't Blame COVID-19, Cash Flow was poor to begin with
• iA Financial Group - Don't lose twice - After Periods of Market Volatility, how long will it take for you to recover?
• BMO Global Asset Management - Macro outlook in times of the coronavirus: This is not a 2008 song
• BMO Mutual Funds - Some of the top reasons not to invest over the last 3 decades
• BMO Global Asset Management - Defensive Growth Equity Investing Protection and Growth – You Can Access Both
• iA Wealth – How history proves that staying invested when things get rough pays off in the long run
• iA Wealth - Stick with Your Plan and Keep Your Perspective
• iA Financial Group - Enter, Exit or Stay Put? Protect Your Investments From Your Emotions!

Introducing RBCI E-Signatures on GIFs & Annuities Apps:

• RBC Accepting e-signature for Seg Fund and Annuity applications
• DocuSign- How to e-Sign using DocuSign
• Application - RBC Payout Annuities
• RBC Guaranteed Investment Funds Application for Registered and Non-Registered Contracts
• RBC Guaranteed Investment Funds Application for Tax-Free Savings Account (TFSA)

Manulife Seg Fund Business:

• Submitting a new registered contract in Online Transactions
• Submitting a new non-registered contract in Online Transactions
• Using DocuSign in Online Transactions
  
  
• Manulife has made it easier to do inforce changes and transactions and also do not need a wet signature
• Manulife Investments Client Signature Requirements for Segregated Funds, GICs/Term Funds and Annuities
• Dual Method Identification Form NN1663 | Français
• Making it easier to submit segregated fund and GIC business during Coronavirus

Advisor Practice Management Resources:

• Mackenzie Investments - Your Market Volatility Tutor
• How to have a virtual first meeting
• The Social Advisor’s Guide to LinkedIn
• BMO Asset Management Insights - How to Manage Volatility Now – and Enhance Your Practice
• Connecting With Your Clients In The Virtual World

Links to non-face to face investment e-app videos:

• Manulife Introduces E-Signatures for Segregated Fund Applications
• Empire Life  (password: fastandfull)
• Equitable Life – register to view an online video demonstration
• iA Financial Group  (please note the presentation will begin 4 minutes into the video)
• Mutual Funds - Company Details for Reduced RRIF Minimums as of April 22
• Segregated Funds - Company Details for Reduced RRIF Minimums as of April 22
• 2020 RRIF Minimum Minimum Annual Payment Reduction Frequently Asked Questions - CI Investments

Empire Segregated Funds Business:

• Empire - New T2033 seg fund transfer form - with a non-face-to-face option