Child Plan™

Child Plan™ “Participating” Whole Life provides your child with an annual tax-free dividend every year for life, which they can use towards:

Any education program around the world
A down payment on their first home
Funding their first start-up (if that’s their dream)
Any financial need in their lifetime

Create a Child Plan™ illustration to see the cash and insurance values for your child’s future.

RESP vs Child Plan™

																																																																RESP															Child Plan™
Government program for Government approved education
Can be used for any education without restrictions
Government grant to age 18
Tax-Free dividend every year for their entire life
Funds can only be used for Government approved education
Funds can be used for any education, buy their first home, any financial need
Can access cash value tax-free
Government grants must be repaid if not used for education
Can be transferred to your child tax-free after age 18
Includes whole life insurance for their future

How Child Plan™ Will Grow For Their Education

Child Plan™ “Participating” Whole Life plan also doubles as an education fund.
Child Plan™ guaranteed cash value grow tax-free from the day you open it.
Annual tax-free dividends for life.

Child Plan™ can be given to your child, tax-free, anytime after they turn 18.
Child Plan™ includes permanent whole life insurance that grows in value throughout your child’s life for future generations.

How Child Plan™ Will Grow For Their Education & For Life

You can open a Child Plan™ “Participating” While life insurance plan for your child as early as 14 days after birth.
You can transfer the Child Plan™ tax-free to your child anytime after they turn 18.
Cash values can be used for any university or vocational program around the world, not only those on the RESP Designated Educational Institution life.
You can use your Child Plan™ annual dividends towards your annual deposits.

Cash values can be used by your child for any financial need in their lifetime including education, down payment on a home, starting a business, even to provide financial security for their future family.
Child Plan™ can be opened by parents, gransparents, aunts and uncles or legal guardians.
Your child can use their Child Plan™ cash values for any financial need in life.

Because Child Plan™ is a Whole Life insurance plan, your child will be permanently covered.
As a parent, you can control the use of Child Plan™ cash values even after transferring it to your child.
Child Plan™ is permanently funded after 20 years. No further deposits will be required.

Sample Child Plan™ Cash and Insurance Value Illustration

Age	Accumulated Cash Value	Life Insurance Value
20	$82,568 (Education)	$612,728
35	$177,953 (House)	$1,115,297
45	$303,299 (Security)	$1,115,297
65	$834,276 (Retirement)	$1,666,824

Sample illustration is for a child under age 1 based on a monthly deposit of $250 for twenty years. There will be no further contributions required after year twenty. The cash and insurance values are based on a dividend interest rate of 6% from a Canadian life insurance company.

Personalize Your Child Plan™

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