How Flexible is Child Plan™ vs. RESP?

Key Questions	RESP	Participating Whole Life
Content	Content	Content

Child Plan™ participating whole life plan is a secure, flexible and a tax free savings plan that can be opened by parents and grandparents, aunts or uncles.

Participating whole life plans have been used by Canadian parents to save for their children’s future education and life since 1847.
With a Child Plan™ participating whole life plan, your child will receive a tax-free annual dividend every year for life.
Your Child Plan™ participating whole life plan have no restrictions or fees for your child’s future education whether they pursue it in Canada or anywhere in the world.

Child Plan™ participating whole life plan allows your child the flexibility to use the cash value for any financial need in life including education, buying their first home, starting a business for whatever their future dreams may be.

Sample Child Plan™ illustration of cash and Insurance values for a child starting at age one

Age	Accumulated Cash Value	Life Insurance Value
21	$82,568 (Education)	$612,728
35	$177,953 (House)	$899,621
45	$303,299 (Security)	$1,115,297
65	$834,276 (Retirement)	$1,666,824

Sample illustration is based on a monthly contribution of $250 for twenty years, starting when the child is less than 1 years old. Cash and life insurance values are based on the current dividend interest rate of 5.2% from a Canadian life insurance company. This example is strictly for illustration purposes. The dividend scale is not guaranteed, and values may differ.

How Flexible is Child Plan™ vs. RESP?

Child Plan™ participating whole life plan is a secure, flexible and a tax free savings plan that can be opened by parents and grandparents, aunts or uncles.

Participating whole life plans have been used by Canadian parents to save for their children’s future education and life since 1847.

With a Child Plan™ participating whole life plan, your child will receive a tax-free annual dividend every year for life.

Your Child Plan™ participating whole life plan have no restrictions or fees for your child’s future education whether they pursue it in Canada or anywhere in the world.

Child Plan™ participating whole life plan allows your child the flexibility to use the cash value for any financial need in life including education, buying their first home, starting a business for whatever their future dreams may be.

Sample Child Plan™ illustration of cash and Insurance values for a child starting at age one

Create your personalized Child Plan™ illustration for your Child's future

Parent Information