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  1. Last chance to be entered to win – Snowball Your Savings contest ends March 2
    There’s still time to turn client contributions into a win for both of you. Until March 2, 2026, when clients set up or contribute to their Equitable® Registered Retirement Savings Plan or Tax-Free Savings Account, they’ll be automatically entered into Equitable’s Snowball Your Savings contest. And here’s the exciting part: two winners will be randomly drawn—and their advisors will share in the celebration!
     
    Key Dates
    Contribution Period: January 1 – March 2, 2026
    Draw Date: March 23, 2026
     
    How to Enter

    Advisors can easily submit client contributions through Equitable’s EZcomplete® or process transactions using EZtransact®. Every eligible entry is a chance to win!





    Why Equitable?
    We can help Canadians grow their savings with confidence. With a diverse range of investment funds and three distinct guarantee classes, Equitable offers flexible, goal-based solutions designed to support your clients’ financial journey.

    Make the Most of It
    Connect with your Director, Investment Sales to explore strategies for driving contributions, boosting engagement and supporting Canadians this season.
     
    ® and ™ denote trademarks of The Equitable Life Insurance Company of Canada.   
    Equitable’s Snowball Your Savings contest: No purchase necessary. Contest period January 1, 2026 to March 2, 2026.  Enter by making a deposit to an Equitable Tax-Free Savings Account or Registered Retirement Savings Plan during the contest period or by submitting a no-purchase entry. Two prizes of $5,000 CAD to be drawn on March 23, 2026 will be awarded. The servicing advisor for the contract to which the selected entrants made the deposit is also an eligible winner and will receive a $1,000 CAD prize. For example, if an Equitable client is a winner of the $5,000 prize, the client’s servicing advisor for the relevant contract wins a $1,000 prize.  Open to legal residents of Canada of the age of majority. 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 the full contest rules.  
  2. This year’s RSP deadline is March 2, 2026


    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 from B2B by March 13, 2026, by 4:00 p.m. ET
    Note: Transactions submitted after these dates will not receive a 2025 contribution receipt


    Please note that all requirements must be received in Head Office by the above dates to guarantee settlement for year end.

    Have you started talking to your clients about their Registered Retirement Savings Plan (RRSP) contributions yet? Equitable® has a range of RRSP solutions that can help meet their needs, including:

    Tools and materials to help you start the conversation
    Most clients genuinely want to save for retirement, but intentions alone aren’t enough—they need a plan. As their trusted advisor, you can help them understand why making their RRSP a priority is an important step toward long‑term financial security.

    To support those conversations
    Most clients genuinely want to save for retirement, but intentions alone aren’t enough—they need a plan. As their trusted advisor, you can help them understand why making their RRSP a priority is an important step toward long‑term financial security.

    To support those conversations, we’ve pulled together helpful tools and marketing materials that show how an Equitable RRSP can make a meaningful difference in reaching their retirement goals. Resources include: And don’t forget…

    From January 1 to March 2, 2026, when clients open or add money to an Equitable TFSA or RRSP, they’ll automatically be entered into Equitable’s Snowball Your Savings contest. Two lucky clients will win — and their advisors get to celebrate too!
  3. EZcomplete Online Application for non face-to-face meetings


    Practice self-distancing by conducting non face-to-face sales meetings and completing your applications online.

     
    Using our EZcomplete Online Application allows you to keep your distance while keeping your business moving forward.

    You can complete applications and obtain the necessary signatures remotely.

    Log in to EquiNet® and click on the EZcomplete Online Application link in the selection panel at the top of the page.

    The following resources are available on the EZComplete Online Application page on EquiNet.
    Quick Reference Guide for Life Insurance and Critical Illness
    Non face-to-face meetings – ID Verification Options
    Remote Signing Process
    EZcomplete tutorial (video)
    EZcomplete FAQ - Special COVID-19 Issue

    Read other important COVID-19 related news
     
    Questions? 
    Contact your Equitable Life Regional Sales Manager, or the Advisor Services Team (for life and critical illness insurance) at:
    Phone: 1.800.668.4095
    Email: western-service@equitable.ca             mailto:eastern-service@equitable.ca
                (BC, AB, SK, MB)                                 (ON, QC, NB, NS, PE, NF)
  4. EquiNet email verification starting October 21


    Starting October 21, 2023, advisors will be asked to verify or update the email we have on file when logging into EquiNet®.  The purpose of verifying your email address is to enable multi-factor authentication in the future and enhance advisor communications based on accurate email addresses.

    Instructions:

    1. Log into EquiNet with your username and password.

    2. You will be redirected to the "Verify Email" page. Choose to verify or update your email address.

    3. Check your email for the verification link.

    4. In the email select "Verify Email" within 24 hours of receiving the email.

    5. Once you have verified your email and are logged into EquiNet, you will return to the EquiNet home screen and a success message will display.

    6. You will receive a confirmation email that you have verified your email address.


     Thank you for your cooperation.

    ® denote trademarks of The Equitable Life Insurance Company of Canada.

    Posted October 4, 2023
  5. Replacement Procedures- LIRD and Written Analysis
  6. Critical Illness Path to Success Program Instructions
  7. Instructions
  8. [pdf] Daily/Guaranteed Interest Account Contract
  9. Market Commentary April 2026 EAMG.png




    Key Takeaways

    • Markets started 2026 constructively, with positive returns in both stock and bond markets in the first two months of the year. However, the war on Iran by the U.S. and Israel drove significant changes to markets in March. The biggest driver was the spike in oil prices. Oil prices increased over 70% during the quarter to over US$100 per barrel as 20% of global oil production became trapped in the Middle East when Iran closed the Strait of Hormuz.
    • Canadian equities returned 3.9% in the first quarter, outperforming U.S. equities which lost -4.3%. The Canadian market benefitted from its 40% exposure to strong performing Energy, Materials and Utilities sectors, which each gained over 10% in Q1. Conversely, the U.S. market has much less exposure to those strong performing sectors and therefore fell as geopolitical tensions weighed on performance of most other sectors.
    • Canadian bonds posted modest gains as early-quarter strength was largely offset by March weakness. Rising commodity prices reignited inflation fears and prompted speculation for central bank interest rate hikes. Credit spreads widened as concerns regarding defaults and liquidity in the private credit market intensified.
    • The Bank of Canada and the U.S. Federal Reserve held policy rates unchanged during the first quarter. Both central banks maintained a wait-and-see approach amid slowing labour markets, persistent inflation risks, and heightened global uncertainty.


    Economic and Market Update

    Economic Summary: The U.S. economy continued to grow at a steady pace in the first quarter. Inflation remained above the Federal Reserve’s target. The labour market showed signs of cooling as hiring slowed, but the unemployment rate remained stable. However, higher energy prices and risks to global supply chains added near term inflation pressures and weighed on the global outlook. The Federal Reserve held its policy interest rate unchanged during the quarter, maintaining the target range at 3.50% to 3.75%. Chair Powell highlighted ongoing uncertainty and reiterated that the Federal Reserve is well positioned to adjust policy as economic conditions evolve.

    In Canada, economic growth remained subdued in the first quarter as excess supply persisted, and the labour market softened. Inflation stayed close to the 2.0% target, though rising global energy prices increased short term inflation risks. Trade uncertainty continued to weigh on confidence and business activity. The Bank of Canada held its policy interest rate steady at 2.25% throughout the quarter. The Governing Council noted it stands ready to respond if the economic outlook shifts materially.

    Bondmarket.jpgBond Markets: The Canada Aggregate Bond Index returned 0.23% in the first quarter. A strong start to the year in January and February (+2.25%) was mostly offset by a weak March (-1.97%), as higher oil prices from the war in Iran led to higher interest rates on Canadian bonds (bond prices fall as interest rates go up). The increase in interest rates was most predominant in shorter term bonds, with higher oil prices driving inflation fears. These inflation fears reframed the market’s interest rate cut expectations for 2026: a 40% chance of an interest cut by the Bank of Canada has now shifted to a 70% chance of not just one, but two 25 basis point increases to the Bank of Canada overnight rate in 2026. In  addition, the war in Iran has resulted in a higher risk premium for corporate bonds: credit spreads (i.e. the extra yield on corporate bonds versus government bonds to compensate for their extra risk) moved higher in March after reaching record low levels in January and February. These higher credit spreads resulted in corporate bonds modestly underperforming the overall index, albeit still with positive returns. Despite the modest risk off tone, investors remain buyers of corporate bonds as evidenced by investors’ enthusiasm to support the primary issuance market. Corporate bond supply continues to set new records, with an impressive $50 billion in new issuance in the quarter, a record start to the year and 23% higher than the same period in 2025.

    Table1.jpgStock Markets: The first quarter of 2026 marked a period of heightened investor caution with geopolitical tensions rising. Equity markets remained under pressure in March, as dip buyers remained cautious. Early market volatility was driven by several geopolitical developments, including Japan’s snap election, events in Venezuela, and U.S. interest in Greenland. Private credit markets also came under pressure as liquidity tightened and default risks increased, particularly in semi-liquid lending structures. The war on Iran raised concerns around demand destruction and inflation, pushing oil prices above US$100 per barrel for the first time since 2022. Gold continued to rise strongly early in the quarter. However, it later recorded its sharpest decline in years, driven by central bank selling. Despite this pullback, gold finished the quarter up 8% and continues to be viewed as a key safe-haven asset.

    U.S. Equities: U.S. equities entered the first quarter with strong momentum, supported by robust earnings growth from technology companies. While earnings results confirmed this strength, investor sentiment weakened, particularly toward Software-as-a-Service (SaaS) companies. Rapid progress in AI agents developed by firms such as Anthropic and Google highlighted how quickly generative AI could automate core SaaS functions. As a result, software stocks sold off sharply in February, triggering a broader rotation away from largecap growth. Furthermore, tighter financial conditions and rising geopolitical tensions reduced risk tolerance and drove sharp sector rotation. The Energy sector led market performance, while Technology lagged and Financials underperformed due to stress in credit markets.

    Canadian Equities: The Canadian stock market was supported by its high exposure to commodities. That structural tilt helped Canadian equities outperform U.S. equities as macro narratives shifted toward inflation concerns and supply risks. Performance during the quarter was marked by a sharp whipsaw between gold and oil, reflecting shifting investor sentiment. Investors sold gold aggressively and scrambled to source U.S. dollars as financial conditions tightened. Conversely, oil prices rose sharply on Middle East supply disruptions, lifting Energy stocks to become the strongest-performing sector of the quarter, up 29%.

    Bottom line:  The first quarter showed how quickly geopolitical shocks can reshape sectors’ performance. Canada outperformed U.S. growth markets due to its higher exposure to commodities, as energy prices rose and inflation concerns returned. The sharp move in gold and oil prices highlighted the market’s sensitivity to macro developments. The war against Iran forced investors to reprice both inflation expectations and Federal Reserve policy expectations. Looking ahead, geopolitical stability, energy prices, and central bank policy are likely to remain key drivers of market performance and sector leadership.


    Downloadable Copy
     
    Mark Warywoda, CFA
    VP, Public Investments    		 Ian Whiteside, CFA, MBA
    AVP, Public Investments    		 Johanna Shaw, CFA
    Director, Public Investments    		 Jin Li
    Director, Equity Investments    		    
     
    Wanyi Chen, CFA, FRM
    Sr. Quantitative Analyst    		  
    Andrew Vermeer, CFA
    Senior Analyst, Credit    		  
    Elizabeth Ayodele 
    Analyst, Credit    		  
    Edward Ng Cheng Hin
    Analyst, Credit
    Kate (Huyen) Vinh
    Analyst, Equity
    Francie Chen
    Analyst, Rates

    ADVISOR USE ONLY
    Except for statements of historical fact, all statements in this document are forward-looking statements. These forward-looking statements represent the portfolio manager’s current best judgment 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 be materially different 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 in this document. The reader is cautioned to consider these and other factors carefully and to 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.
  10. Make Equitable your first choice for insurance – has just been enhanced! Our popular marketing piece – Make Equitable® your first choice for insurance (1510) – just got an update with the latest life insurance offerings and our new branding.

    It is a great conversation starter that can help…
    ● Encourage clients to discover the benefits of our insurance solutions.
    ● Start the life insurance needs conversation.
    ● Help clients understand the Equitable ‘difference’ – that our full focus is on the interests and well-being of our policyholders.

    Learn more by visiting our marketing materials page.

    Questions?
    Please contact your local wholesaler.


     
    ® or ™ denotes a trademark of The Equitable Life Insurance Company of Canada.