General

End of year processing

The following is some information on how transactions and other requests will be processed from now until the end of the year.

INDIVIDUAL INSURANCE

New business

ACTIVITY	REQUIREMENTS	Deadline to receive the requirement in order to process the activity in 2014
*Data entry of the application (to start the underwriting process)*	Fully completed application (including signature pages of the electronic express application) must be received in the New Business department	Friday, December 19, 2014
*Policy issue*	Receipt of the final requirement in the Underwriting department	Wednesday, December 17, 2014
*Policy settlement*	Receipt of the final settling requirement in the New Business department	Monday, December 22, 2014 (before noon)

Policy changes requiring underwriting (in-force business)

ACTIVITY	REQUIREMENTS	Deadline to receive the requirement in order to process the activity in 2014
*Data entry of the policy change (to start the underwriting process)*	Fully completed request must be received in the In-force Business department	Wednesday, December 17, 2014
*Confirmation of the policy change*	Receipt of the final requirement in the Underwriting department	Monday, December 15, 2014
*Settlement of the policy change*	Receipt of the final settling requirement in the Policy change department	Monday, December 22, 2014 (before noon)

Please note that commissions are paid once the policy is in-force.

Important reminders:

We would like to remind you that since November 28, 2014, only version 10-2014 of the insurance application (FIND0035A) and the electronic express application (including the signature pages) are accepted. Please use the new version 2014-10 immediately and discard the previous application. The version 2014-10 can be found in the illustration software and on the advisors’ secure website.
The policy change form (FIND0083A) is no longer available since we included the section “Policy changes requiring evidence of insurability” in the 2014-10 version of the insurance application.
The policy reinstatement form (FIND0117A) is available in the illustration software library and on the advisors’ secure website.
The policy change without evidence of insurability (FIND0116A) form is available in the illustration software library and on the advisors’ secure website.

INVESTMENT

Transaction dates for segregated funds

There will be no unit values calculated on December 24, 25 and 26, 2014, and January 1 and 2, 2015. Transaction requests received on these days will be processed on the following business day (i.e., December 29 or January 5) with the unit value for that date.

Receipt of transaction request	Transaction date
December 24, 25, 26 and 29 (before 2 p.m.)	December 29
December 30 (before 2 p.m.)	December 30
December 31 (before 2 p.m.)	December 31
January 1, 2 and 5 (before 2 p.m.)	January 5

Payment dates for RRIFs

Since our offices will be closed until January 5, RRIF payments will be sent to the financial institutions as of January 5, and your clients will receive their payments afterwards.