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1. 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
2. [pdf] Equitable GIF Non-Registered Application
3. [pdf] B2B Investment Loan Product Brochure
4. National Pharmacare (Plan NP) takes effect in B.C. on March 1

   In this issue:

   National Pharmacare (Plan NP) takes effect in B.C. on March 1

   Travel coverage details plan members should know if they’re in or going to Mexico*

   *Indicates content we will share with your clients.

    

    

   National Pharmacare (Plan NP) takes effect in B.C. on March 1

    

   The Province of British Columbia (B.C.) will implement the first phase of the National Pharmacare Act, also known as Bill C64 (Act), on March 1, 2026.

    

   The new program will be called National Pharmacare (Plan NP). The province joins Manitoba and Prince Edward Island, who have already implemented the first phase of their own programs. All three provinces, along with Yukon, signed bilateral pharmacare agreements with the federal government last year.

    

   National Pharmacare (Plan NP) coverage details

    

   The federal government has agreed to provide universal coverage for many diabetes drugs and contraceptives, including deductibles, during the first phase of implementation of the Act. Equitable will no longer cover drugs that are eligible for coverage under Plan NP.

    

   Diabetes devices and supplies are not included in the first phase of plan implementation. However, expanded coverage for certain diabetes-related devices and supplies is expected to begin in B.C. on April 1, 2026.

    

   Since B.C. already offers universal coverage of contraceptives through its provincial pharmacare program, the province is using that portion of the federal funding to cover menopausal hormone therapy (MHT), also called hormone replacement therapy (HRT).

    

   Many diabetes medications such as metformin, insulin, sulfonylureas and SGLT-2 inhibitors will be fully covered under Plan NP.

    

   Some diabetes medications and MHTs will only be partially covered when the program takes effect. As well, many diabetes medications will continue to require Special Authority through the province.

   
   
   What will Equitable plan members need to do?

    

   Coverage will be provided automatically at the pharmacy counter. Plan members simply need to present a prescription for a covered medication and their Medical Services Plan of B.C. (MSP) card to their pharmacist. If a plan member isn’t fully enrolled in the MSP yet, their pharmacist will help them secure coverage under Plan NP.

    

   The pharmacist will charge the provincial plan directly for the relevant medications. There will be no direct impact to plan members or their experience at the pharmacy for fully covered drugs.
    

   Where do GLP-1 drugs fit in?

    

   GLP-1 agonist drugs will not be covered under Plan NP. Equitable plan members who are prescribed this type of drug to treat diabetes must try a first-line diabetic treatment before we can deem them eligible for coverage of the GLP-1 agonist.

    

   Plan members who are already taking a GLP-1 agonist to treat diabetes will continue to be eligible for coverage. New plan members or plan members with new prescriptions for GLP-1 agonists must provide us proof that shows they’ve tried a first-line diabetic treatment to confirm eligibility—unless we already have a previous record of their insulin use. Proof can be either a past receipt or a claim statement.

    

   Our priority is supporting the best outcomes for plan sponsors and their members. We are working with TELUS Health, our pharmacy benefits manager, to keep you updated as more details become available.

    

   Travel coverage details plan members should know if they’re in or going to Mexico

    

   Plan members with Travel Assist medical emergency coverage included in their benefits plan should keep the following information in mind if they’re planning travel to Mexico or if they’re in the country now.

    

   Due to recent violence in Mexico, the Government of Canada has issued the following travel advice to anyone in or planning to visit the country.

    

   Plan members are not covered if they receive out-of-province services where the Canadian government had issued a warning to avoid all or non‑essential travel before they entered the country.

    

   Plan members should contact Trident Global Assistance, the company that administers our Travel Assist benefits, before departing if they have questions about their coverage or to confirm if they’re covered for travel to their specific destination.

    

   Here’s how plan members can reach the Trident Global Assistance toll-free 24-hour emergency hotline:
    

   • In Canada or the U.S: 1-800-321-9998

   • Elsewhere: Call collect at 519-742-3287

      

   They should be prepared to provide the following information:

   • Name

   • Group policy number

   • Certificate number

   • Government health insurance plan number

      

   If a plan member arrived in Mexico before the travel advisory was issued and are past their day allowance, they should call Trident if they need to have their day maximum extended past the allowable period. 

    

   Equitable’s Travel Assist medical emergency coverage does not include any trip cancellation or trip interruption benefits.

    

   Communicating to plan members

    

   We are making every effort to share this information with affected plan members. Please encourage your clients who have Travel  Assist coverage included in their benefits plan to share this message with their plan members.

5. Policy Change eDelivery Scenarios
6. Paramedicals are Re-opening Shortly We are pleased to announce that face-to-face insurance testing paramedical services, including the collection of vitals & fluids, are resuming shortly.  Our service providers, Dynacare and ExamOne, have been monitoring the public health standards and have established standards they will operate under to protect the health of both the applicant and health professionals.
    
   Our commitment to your client’s safety
   It is Equitable Life's commitment that both clients and advisors will be provided clear and thoughtful communication before initiating any testing. Clients should fully understand the potential risks associated with having a paramedical test taken at this time and are always able to choose not to attend the appointment if they do not feel comfortable or safe.
    
   How will paramedical services be conducted?
   Dynacare is conducting appointments at fixed site facilities where clients will travel to the health professional for their appointment. The paramedical questions will be covered by video or telephone to minimize the time spent in the fixed site facility. For more information, see Dynacare’s COVID-19 client guide that will be provided to the client directly.
    
   ExamOne examiners will travel to the client’s home for their appointment and the entire paramedical will be conducted at that time. Information about ExamOne’s COVID-19 processes and their Preparing for my exam client guide will also be provided to the client directy.
    
   When are paramedical services re-opening?
   In person paramedical services for Equitable Life cases will begin opening gradually. We have worked closely with our service providers, the CLHIA & provincial governments and believe it is prudent to begin re-opening services in the provinces that have a lower incidence of COVID-19.  We will expand the schedule as the incidence of COVID-19 lowers or is expected to lower in specific regions.
    
   Please note if you had an order in process prior to services shutting down, the provider will be looking to re-open and complete those orders. If requirements are no longer needed given the non-med limit changes, the order will remain closed.
    
   Schedule for re-opening paramedical services:

   Province	Start Date
   Saskatchewan	June 1-Dynacare, June 11-ExamOne
   New Brunswick	June 8-Dynacare, June 11-ExamOne
   PEI and Newfoundland	June 15, Dynacare and ExamOne
   Manitoba	June 15, Dynacare and ExamOne
   Alberta	June 18, Dynacare and ExamOne
   British Columbia	June 22, Dynacare and ExamOne
   Nova Scotia	June 22, Dynacare and ExamOne
   Ontario*	By June 30, Dynacare and ExamOne
   Quebec *	By June 30, Dynacare and ExamOne

    
   Note: Start dates are subject to change based on the progress of COVID-19.
    
   *Ontario & Quebec to re-open regionally (starting with areas with lower incidence of COVID-19). Specifics for Ontario and Quebec will be communicated closer to the implementation dates for these provinces. Further details can be found in this communication.
7. Equitable Life awarded seven Fundata FundGrade A+ awards
    
   
   
   Equitable Life® has won seven Fundata FundGrade A+® awards for 2020. The first four funds are currently available on Equitable Life’s Pivotal Select™ fund lineup.
   • Equitable Life Invesco International Companies Fund
   • Equitable Life Dynamic American Fund
   • Equitable Life Dynamic Equity Income Fund
   • Equitable Life Dynamic Global Discovery Fund
   The remaining three awarded funds are part of Equitable’s legacy products. These funds are available to existing Equitable Life contracts only.
   • Equitable Life Dynamic Power Global Growth Fund
   • Equitable Life Accumulative Income Fund
   • Equitable Life Common Stock Fund
    
   The annual awards are presented by Fundata Canada Inc. to investment funds that have shown consistent, outstanding, risk-adjusted performance throughout the previous calendar year.
    
   Equitable Life invests for the big picture and offers a complete range of investment and annuity products designed to meet the savings, accumulation and income needs of clients. Our strength as a company along with our many investment guarantees can help your clients achieve their financial goals with confidence.
    

   FundGrade A+® is used with permission from Fundata Canada Inc., all rights reserved. The annual FundGrade A+® Awards are presented by Fundata Canada Inc. to recognize the “best of the best” among Canadian investment funds. The FundGrade A+® calculation is supplemental to the monthly FundGrade ratings and is calculated at the end of each calendar year. The FundGrade rating system evaluates funds based on their risk-adjusted performance, measured by Sharpe Ratio, Sortino Ratio, and Information Ratio. The score for each ratio is calculated individually, covering all time periods from 2 to 10 years. The scores are then weighted equally in calculating a monthly FundGrade. The top 10% of funds earn an A Grade; the next 20% of funds earn a B Grade; the next 40% of funds earn a C Grade; the next 20% of funds receive a D Grade; and the lowest 10% of funds receive an E Grade. To be eligible, a fund must have received a FundGrade rating every month in the previous year. The FundGrade A+® uses a GPA-style calculation, where each monthly FundGrade from “A” to “E” receives a score from 4 to 0, respectively. A fund’s average score for the year determines its GPA. Any fund with a GPA of 3.5 or greater is awarded a FundGrade A+® Award. For more information, see www.FundGradeAwards.com. Although Fundata makes every effort to ensure the accuracy and reliability of the data contained herein, the accuracy is not guaranteed by Fundata.® ”Equitable Life” and “Pivotal Select” are trademarks of The Equitable Life Insurance Company of Canada.

8. Equitable Life awarded FundGrade A+ awards for 2021
   Equitable Life^® is the proud recipient of the Fundata FundGrade A+^® in 2021 for Equitable Life Dynamic Power Global Growth Fund and Equitable Life Accumulative Income Fund. These funds are part of our legacy products and no longer available to purchase for new contracts.
    
   Each year, Fundata looks for Canadian investment funds that uphold an outstanding performance rating over the course of the year. Equitable Life invests for the big picture and offers a complete range of investment and annuity products designed to meet the savings, accumulation and income needs of clients. Our strength as a company along with our many investment guarantees can help your clients achieve their financial goals with confidence.
    

   FundGrade A+® is used with permission from Fundata Canada Inc., all rights reserved. The annual FundGrade A+® Awards are presented by Fundata Canada Inc. to recognize the “best of the best” among Canadian investment funds. The FundGrade A+® calculation is supplemental to the monthly FundGrade ratings and is calculated at the end of each calendar year. The FundGrade rating system evaluates funds based on their risk-adjusted performance, measured by Sharpe Ratio, Sortino Ratio, and Information Ratio. The score for each ratio is calculated individually, covering all time periods from 2 to 10 years. The scores are then weighted equally in calculating a monthly FundGrade. The top 10% of funds earn an A Grade; the next 20% of funds earn a B Grade; the next 40% of funds earn a C Grade; the next 20% of funds receive a D Grade; and the lowest 10% of funds receive an E Grade. To be eligible, a fund must have received a FundGrade rating every month in the previous year. The FundGrade A+® uses a GPA-style calculation, where each monthly FundGrade from “A” to “E” receives a score from 4 to 0, respectively. A fund’s average score for the year determines its GPA. Any fund with a GPA of 3.5 or greater is awarded a FundGrade A+® Award. For more information, see www.FundGradeAwards.com. Although Fundata makes every effort to ensure the accuracy and reliability of the data contained herein, the accuracy is not guaranteed by Fundata.® ”Equitable Life” and “Pivotal Select” are trademarks of The Equitable Life Insurance Company of Canada.

9. Dividend Withdrawals and Change and Premium Offset