Remove the burden of student debt from your child's financial future

As Canada's fastest growing RESP alternative, Child Plan makes it easy to save for your child's education without the limitations and pitfalls associated with RESPs.

Why should I consider a RESP alternative like Child Plan?

RESPs have been around for decades but haven't evolved with the times. They don't offer the cash value, flexibility and peace of mind that parents expect from an investment and are bloated with fees, penalties and risks.  There's a reason Child Plan is Canada's fastest growing RESP alternative!

What if my child wants to study abroad, or attend a trade school?

Access to your RESP will likely be limited or outright denied, leaving you to rely on costly student loans to fund your education.  Child Plan's cash value has no limitations on where, when and how you choose to use it.

What if my child wants to take a different path in life?

RESPs offer no flexibility an can only be used towards an education. Child Plan's cash value can be used towards education, starting a business, buying a home or anything else in life and only goes up in value the longer it matures.

What's the catch?

It's cliché, but there isn't one! Child Plan is a Participating Whole Life Insurance policy that parents have used to save for their children's future for over 170 years.  Not only does it provide an annual tax free dividend for life, it's also a life insurance policy that can add an extra layer of comfort for families.

Request your personalized illustration to see how Child Plan would transform your Child's financial future.

Sample illustration of Child Plan Cash and Insurance Values

Based on a Monthly Deposit of $250 per month

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 $8.32 a day/$250 a month 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 6% from a Canadian life insurance company. This example is strictly for illustration purposes. The dividend scale is not guaranteed, and values may differ.

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    Sample illustration of Child Plan Cash and Insurance Values

    Based on a Monthly Deposit of $250 per month

    Age
    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 $8.32 a day/$250 a month 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 6% from a Canadian life insurance company. This example is strictly for illustration purposes. The dividend scale is not guaranteed, and values may differ.

    Personalize Your Child Plan™

    Request a Child Plan™ Illustration and see how much cash value your child will have for their education and for life.

    *illustrations are reflective of the annual premium amount