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1. Reminder: Beneficiary designations for children’s CI policies When a critical illness (CI) insurance policy or rider is issued for a minor, it’s important to ensure beneficiary designations accurately reflect clients’ intentions. Without a beneficiary on file, or with a minor designated without a trustee, an approved claim may need to be paid to the court or the Public Trustee. This can cause delays at a time when families may urgently need access to support.
   
   Help clients name a beneficiary on their juvenile critical illness policy today. This isn’t just a safeguard to avoid court or Public Trustee delays at claim time. It’s a reflection of your expertise and care.
   
   For more information, see our client support resource below. To view the link below, you will need to log in to your EquiNet^® account.
   
   View client support resources on EquiNet
2. Congratulations on qualifying as an Elite Advisor
3. There is still time for your clients to contribute to their Tax-Free Savings Account

   
   If you have clients that have not contributed to their Tax-Free Savings Account (TFSA) this year, great news… there is still time!
   
   You know that an Equitable Life® TFSA is a great way to save. Each year residents of Canada who are at least 18 years of age are eligible to invest up to $6,000* into their TFSA, in addition to any previously unused contribution room. Deposits made into a TFSA are made with after-tax dollars. This means that withdrawals can be made at any time on a tax-free basis.
   
   Interested in increasing an existing Pre-Authorized Debit (PAD) TFSA deposit?
   Clients with an existing PAD (or who had one in the previous six months), can go online to make any adjustments to a scheduled deposit to their TFSA. Clients can simply login to Equitable Life’s Client Access®. Client Access is Equitable’s secure online client site that connects clients to tools and policy information.
    
   Consider a one-time deposit or set up a PAD?
   To get started with one-time deposit, clients simply log in to their online bank account and select the option to add a new bill/payee and search for Equitable Life Savings Plan. The Equitable Life savings plan policy number will serve as the account number.
   
   Clients that complete their deposits using online banking do not have to worry about mailing a cheque or missing the deadline. Deposits are applied based on the investment direction on file.
   
   If you have clients that would like to set up a PAD, simply complete Form #378. For details on how to submit forms during COVID-19, refer to the NEW APPLICATIONS & TRANSACTION AUTHORIZATION REQUIREMENTS webpage.
    
   If you have any questions, please reach out to your local Regional Investment Sales Manager or Advisor Services at 1.866.884.7427 Monday to Friday, 8:30 a.m. to 7:30 p.m. ET or email savingsretirement@equitable.ca.
    

   *The annual TFSA limit is set by Canada Revenue Agency (CRA) and is currently $6,000. Your notice of assessment will tell you if you have unused contribution room from previous years. Contributions over the maximum will be charged a monthly penalty of 1% by CRA.
    
   ® denotes a trademark of The Equitable Life Insurance Company of Canada

4. Yukon to implement national pharmacare on April 15

   The Yukon territory will implement the first phase of its pharmacare program via the National Pharmacare Act, also known as Bill C64 (Act), on April 15, 2026.

    

   The Yukon joins Manitoba, British Columbia and Prince Edward Island, who have already implemented the first phase of their own programs. All signed bilateral pharmacare agreements with the federal government last year.

    

   National pharmacare coverage details

    

   The Government of Canada will provide universal access to contraceptive and most diabetes medications for Yukon residents. This funding will also improve access to diabetes devices and supplies.

    

   Yukon residents will receive public coverage for a range of contraceptives and diabetes medications at little to no cost.

    

   Many diabetes medications, such as metformin, insulin, sulfonylureas and SGLT-2 inhibitors, will be fully covered under the Yukon pharmacare program. Some diabetes medications will only be partially covered.

    

   Effective April 15, 2026, Equitable will no longer cover drugs that are eligible for coverage under Yukon pharmacare.

    

   What will Equitable plan members need to do?

    

   Coverage under the Yukon pharmacare program will be provided automatically at the pharmacy counter.

    

   Equitable group benefits plan members simply need to present a prescription for a covered medication to their pharmacist. The pharmacist will charge the provincial plan directly for the relevant medications.

    

   Where do GLP-1 drugs fit in?

    

   GLP-1 agonist drugs, such as Ozempic, will not be covered under Yukon pharmacare. 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 under their Equitable group plan.

    

   Plan members who are already taking a GLP-1 agonist to treat diabetes and have previously received coverage under their Equitable group plan 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 they’ve tried a first-line diabetic treatment to be eligible—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.

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6. May 2026 eNews

   In this issue:

   • Save the date: Group benefits advisor roadshow is returning to a city near you

   • One-time passcodes will be added to our login experience this week*

   • Delisted service providers: What clients need to know*

   • Keeping plan member information up to date*

      

   *Indicates content we will share with your clients.
    

   Save the date: Group benefits advisor roadshow is returning to a city near you

    

   Mark your calendars—our annual group benefits advisor roadshow will be travelling across Canada this fall.

    

   Watch your inbox for an invitation with more details soon. In the meantime, here’s our full list of event dates and cities.
   
    

   • Monday,  Sept. 28 – Vancouver, BC

   • Tuesday, Sept. 29 – Edmonton, AB

   • Wednesday, Sept. 30 – Calgary, AB

   • Thursday, Oct. 1 – Saskatoon, SK

   • Friday, Oct. 2 – Winnipeg, MB

   • Tuesday, Oct. 6 – Halifax, NS

   • Wednesday, Oct. 7 – Ottawa, ON

   • Thursday,  Oct. 8 – Markham, ON

   • Tuesday,  Oct. 20 – London, ON

   • Wednesday, Oct. 21 – Kitchener, ON

   • Thursday, Oct. 22 – Oakville, ON

    

   One-time passcodes will be added to our login experience this week

   Starting next week, anyone who logs in to EquitableHealth.ca^® or the Equitable EZClaim^® mobile app with an email address and password may also need to enter a one-time passcode to access their account. The one-time passcode will be provided by email.

    

   Adding this form of multi-factor authentication (MFA) to our login process will further enhance our digital security and help safeguard your account and our clients’ personal data.
   
    

   Don’t forget—you can create a passkey instead.

    

   Passkeys are another form of MFA. They provide a quick, easy and secure way to access your account, using either biometrics—your face or fingerprint—or a PIN authenticator to confirm your identity.

    

   Anyone who uses a passkey to log in to their account will never be required to enter a one-time passcode.

    

   In case you get questions…

    

   If a client asks you about these changes to our login process, consider sharing this fact sheet with them. The fact sheet highlights the value of adding MFA to the login process and describes the differences between logging in with a one-time passcode versus a passkey.

    

   More information about one-time passcodes and passkeys is included at equitable.ca/effortless. There, you’ll also find short videos that show how easy it is to create a passkey on your mobile device and computer.

    

   Please reach out to your Group Account Executive if you have any questions.
   
   If you use the same email address to log in to your accounts on EquitableHealth.ca, EquiNet^® and Equitable Client Access^®, you can use the same passkey. Equitable Client Access is our secure site for Individual Insurance and Individual Wealth clients.
   
    

   Delisted service providers: What clients need to know

    

   Protecting clients’ group benefits plans is our priority. That’s why we regularly assess healthcare service providers, clinics, facilities and medical suppliers in our network. These reviews help ensure the claims plan members submit meet eligibility requirements.

    

   If our review indicates a provider is not meeting those requirements, we may delist them.  

    

   Common reasons we delist providers include:

   • Billing for services that weren’t provided or aren’t medically required

   • Changing information about treatments provided (e.g., service dates or patient names)

   • Incomplete records or treatment notes

   • Lack of cooperation with an audit

   • Suspension of the provider by their licensing college or association

   • Criminal convictions

      

   What clients need to know

    

   If a provider is delisted, we will not accept or process claims for services or supplies they provide. However, plan members can still choose to use delisted providers at their own expense.
    

   We provide clients instructions on where to find our current list of delisted providers in each Plan Administrator eNews announcement. We also encourage them to share the list with their plan members.
    

   Whenever we delist a provider, we try to contact plan members, who have recently submitted claims for their services, to inform them of the change and help prevent future claim submissions. However, plan members are responsible for checking our list of delisted providers before purchasing any product or service to avoid having to pay at their expense. The list is available on EquitableHealth.ca.
    

   If you have questions about our list of delisted service providers or our process of reviewing providers, please contact your Group Account Executive.
    

   Keeping plan member information up to date

    

   Keeping plan member information current helps ensure accurate benefits coverage and premium calculations.

    

   When a plan member’s earnings or occupation changes, the plan administrator must update this information as soon as possible. Updates made before a benefits plan renewal helps ensure renewals are based on current data.

    

   If a plan includes short-term disability (STD) or long-term disability (LTD) benefits, outdated earning information can affect disability claim payments for plan members.
    

   We send an annual reminder to plan administrators before renewal. The email includes step-by-step instructions on how to review and update plan members’ earnings and occupation information.

    

   Three ways to update earnings and occupation information

    

   Plan administrators can review and update plan members’ information by either:

   1. Making updates directly through the plan administrator site (update access required),

   2. Generating an earnings and occupations worksheet through the plan administrator site (online reporting access required), or

   3. Requesting a worksheet by emailing groupbenefitsadmin@equitable.ca.

       

   The worksheet includes instructions on how to submit completed updates to us. If you have any questions, please contact your Client Relationship Specialist or email groupbenefitsadmin@equitable.ca.

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10. Market Commentary April 2025
    Key Takeaways for Q1

    • Economic policy became more uncertain with fluctuating tariff announcements from the U.S. and its trading partners.
    • Global stocks markets experienced heightened volatility year-to-date, reflecting the negative repercussions of tariffs for highly integrated global economies.
    • Within U.S. markets, investors rotated out of growth stocks into value and defensive areas of the market.
    • Bond markets performed well during the quarter as interest rates moved lower.
    • Most central banks continued to ease monetary policy by reducing their target interest rates. The U.S. Federal Reserve was a notable exception, electing to wait for greater clarity before lowering rates further.

    Economic and Market Update

    Economic Summary: In the U.S., the latest GDP data confirmed solid economic growth in 2024. However, as President Trump pushes forward his economic agenda, uncertainty surrounding fiscal policy and global trade have dampened market sentiment. Inflation pressures persisted, with the rate of inflation remaining above the central bank’s 2% objective. The labour market in the U.S. remained resilient, with unemployment rate staying low compared to historical norms. The Federal Reserve shifted to a more cautious approach, holding the policy rate steady through Q1 at the range 4.25% - 4.5%. The central bank raised its inflation forecast, lowered growth projections, and warned that “uncertainty around the economic outlook has increased.” U.S. bond yields were lower for most maturity dates during the first quarter, as the market priced in more growth concerns and anticipated more rate cuts from the Federal Reserve.
    
    
    
    In Canada, recent GDP data showed stronger-than-expected growth. The inflation rate remained close to the 2% target but rose more than expected in February, and the labour market showed signs of improvement. U.S. tariffs continued to be a significant concern, and it is prompting businesses and consumers to become more cautious and slow their spending. The Bank of Canada warned that the economic impact of the tariffs could be “severe” and expected weaker growth in the coming quarters. For those reasons the Bank of Canada continued its easing cycle, cutting rates by 25 basis points at each of the January and March meetings, bringing the policy rate to 2.75%. Bond yields in Canada were also lower, with short-term interest rates decreasing faster than long-term interest rates as the Bank of Canada’s rate cuts outpaced market expectations.
    
    
    
    Bond Markets: During Q1 2025, the FTSE Canada Universe Bond Index returned 2.0% as interest rates declined across all tenors. Although interest rates fell, this was partially offset by higher credit spreads (i.e. the extra yield on corporate bonds versus government bonds to compensate for their extra risk). Consequently, while corporate bonds still generated a positive return on the quarter, they underperformed government bonds.  Widening credit spreads reflected the risk-off tone to the market, with on-off-on-off-on(?) tariffs contributing to the uncertainty. Lower-rated BBB bonds generally performed worse than higher-quality A-rated bonds.  While credit spreads are higher than they were in December and January, they are still expensive compared to longer term averages. Corporate bond issuance remained robust up until the last week of March, as investor demand kept deals well supported. Overall, the market took in $40 billion in new issuance, the second highest on record, spread over 82 bonds. While corporate bonds are more attractive than in January 2025, we believe the more likely path is towards higher credit spreads as U.S. tariffs impact global growth.  We have maintained our conservative view with a bias towards shorter-dated credit but remain ready to invest in longer dated corporate bonds as valuations become more attractive. 
    
    
    Stock Markets – Overview:
    Uncertainty surrounding the scope and severity of new tariffs led investors to reassess global economic growth prospects and weighed on risk sentiment. As a result, the S&P 500 declined 4.3% over the quarter, underperforming Canadian and international markets. Within the U.S., investors rotated out of previously favoured growth stocks with loftier valuations – including members of the Magnificent 7 – into less volatile and value-cyclical companies. Meanwhile, Canadian equities returned 1.5% in Q1 despite ongoing trade negotiations and uncertain economic growth forecasts. Surging commodity prices helped the materials and energy sectors outperform, offsetting weakness in the technology and industrials sectors. Elsewhere, major developed markets from Europe and Asia (EAFE) were supported over the quarter by the introduction of a new German fiscal stimulus package and signs of improving Chinese economic growth. Following the quarter end, President Trump announced global tariffs on April 2^nd, prompting some trading partners to hit back with retaliatory tariffs. The S&P 500 lost a record $5.2 trillion over two trading sessions and re-entered correction territory, with other global equity markets moving in tandem.
    
    U.S. Equities: While the impact of tariffs has made investors more apprehensive, we have yet to witness a deterioration in financial performance. In fact, U.S. earnings continued to exceed forecasts last quarter, with approximately 70% of companies beating expectations. Furthermore, our bottom-up analysis shows that the skew of corporate earnings surprises continues to tilt positive. That said, we note that companies are providing more cautious guidance amid the increased economic uncertainty and that these earnings largely reflect conditions in 2024, not 2025. Notably, consumer stocks like Walmart have lowered growth forecasts for 2025, citing concerns surrounding consumer confidence and macroeconomic conditions. In addition to clouding the outlook, geopolitical shocks like sweeping tariffs may risk changing how companies choose to operate, including the structure of supply chains and sources of revenue. At this stage, it is still unclear how long these trade tensions will last, as that depends on how other countries choose to respond. If the tariffs are rolled back quickly, many companies may be able to absorb the temporary extra costs without serious damage to profits, and the broader economy could avoid lasting harm. But if the tariffs remain in place for a long time, the consequences could be much more serious; companies might have to change how they operate, restructure supply chains, and raise prices to deal with long-term pressure on profits.
    
    Canadian Equities: Against the backdrop of worrisome trade developments, the Bank of Canada continued to ease monetary policy. While lower rates have helped Canadian companies report better-than-expected profit growth, consensus earnings expectations for 2025 have been revised 2% lower since the beginning of the year, reflecting the expectations for tariff headwinds. Falling bond yields made high quality, high dividend paying companies more attractive, helping this group outperform. Furthermore, the price of raw industrials – a basket of commodities – surged higher over the quarter and as a result, commodity-oriented companies benefitted. More specifically, the materials sector performed strongly with gold prices reaching new all-time highs throughout the quarter. However, if trade frictions continue to escalate and weaker growth projections materialize into a real economic slowdown, the Canadian market, given its cyclical nature and heavy reliance on commodity-driven businesses, remains particularly vulnerable to external headwinds. Moreover, given Canada’s weaker fundamental backdrop, we caution that the recent outperformance of Canadian equities relative to the U.S. may prove short-lived, particularly if trade tension persists.
    
    Bottom line:
    Heightened uncertainty surrounding global trade policies, coupled with deteriorating economic growth projections, continued to weigh on investor sentiment. Bond prices benefited from the flight to less-risky assets, with lower interest rates in anticipation of weaker economic conditions. In equity markets, the introduction of broad-based tariffs increased market volatility and drove major indices sharply lower year-to-date. Looking forward, we remain cautious of the recent outperformance of Canadian and international markets relative to the U.S. While tariffs began as a U.S. policy move, the ripple effects extend far beyond American borders, reflecting the systemic fragility that underpins global trade. If trade barriers persist, businesses may be forced to make structural shifts in their operations and review their current business models. Until markets achieve greater clarity on global trade policies, we continue to prioritize exposure to diversified large-cap stocks in the U.S., over defensive or growth-heavy positions. Within Canada, we continue to favour high quality, high dividend paying names with less sensitivity to downgrades in global growth.
    
    Downloadable Copy
    
     

    Mark Warywoda, CFA VP, Public Portfolio Management	Ian Whiteside, CFA, MBA AVP, Public Portfolio Management	Johanna Shaw, CFA Director, Portfolio Management	Jin Li Director, Equity Portfolio Management
    Tyler Farrow, CFA Senior Analyst, Equity	Andrew Vermeer Senior Analyst, Credit	Elizabeth Ayodele Analyst, Credit	Francie Chen Analyst, Rates

    ADVISOR USE ONLY
    
    Any statements contained herein that are not based on historical fact are forward-looking statements. Any forward-looking statements represent the portfolio manager’s best judgment as of the present date as to what may occur in the future. However, forward-looking statements are subject to many risks, uncertainties, and assumptions, and are based on the portfolio manager’s present opinions and views. For this reason, the actual outcome of the events or results predicted may differ materially from what is expressed. Furthermore, the portfolio manager’s views, opinions or assumptions may subsequently change based on previously unknown information, or for other reasons. Equitable® assumes no obligation to update any forward-looking information contained herein. The reader is cautioned to consider these and other factors carefully and not to place undue reliance on forward-looking statements. Investments may increase or decrease in value and are invested at the risk of the investor. Investment values change frequently, and past performance does not guarantee future results. Professional advice should be sought before an investor embarks on any investment strategy.