Invest in Their Dreams, Secure Their Future
A Child Plan gives your child or grandchild the freedom to chase their dreams to study, buy their first home, or start a business all backed by a tax-free lifetime dividend.
ABOUT US
Investing in Generations
Child Plan is the only tax-free investment parents and grandparents can open for their children and grandchildren in Canada. From the day you open a Child Plan child or grandchild will receive a tax free annual dividend for the rest of their life which will give them the freedom to; Study at any University or college anywhere in the world without restriction, Purchase their first home, Start their own company one day (if that’s their dream) or Pursue any dream in life they will have. Its a tax-free investment grandparents can own and transfer tax-free to their grandchildren.
With Child Plan, a Participating Whole Life Insurance Plan;
Corporate Insurance Strategy Overview
A structured insurance strategy designed to enhance liquidity, reduce taxable income, and support long-term business
continuity. Ideal for corporations seeking tax efficiency, retirement value, and legacy planning.
Professional &
Straightforward
This strategy uses a corporate-owned life insurance policy with premiums paid over five years. After each payment, the business can access about 90% back within 72 hours through a tax-free collateral loan,
Executive
Summary Style
In this corporate insurance strategy, a business insures a key individual and pays premiums for five years. After each payment, it can access up to 90% of the premium as a tax-free loan within 72 hours.
Consultative &
Client-Facing
This insurance solution allows your business to insure a key individual while paying premiums annually for just five years. After the final payment, the policy is fully paid up.
What Makes It Special?
The sooner you start, the more your child gains — for school, a home, or their dream business.
100% Tax-Free
No Government Limits or Restrictions
Lifelong Annual Dividends
Owned & Managed by You
Sample Child Plan Cash & Insurance
Value Illustration
| 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 for a child under age 1 based on a monthly deposit of $250 for twenty years.
Understanding Cash Value &
Insurance Value
This is the growing amount of money in the plan — built from your contributions and annual tax-free dividends. Over time, this becomes a powerful financial resource your child can use to fund education, buy a home, or start a business — completely tax-free.
Alongside the cash value, the plan includes a life insurance component that protects your child’s future. This lifelong coverage increases in value over time and gives them access to insurance they can never outgrow or lose.
The sooner you start, the more your child gains — for school, a home, or their dream business.
Request your personalized Child Plan illustration
FAQ
Helping You Understand the Child Plan
Any parent or grandparent can open a plan for their child or grandchild. Any parent or grandparent can open a plan for their child or grandchild. Any parent or grandparent can open a plan for their child or grandchild.
Any parent or grandparent can open a plan for their child or grandchild.
Any parent or grandparent can open a plan for their child or grandchild. Any parent or grandparent can open a plan for their child or grandchild. Any parent or grandparent can open a plan for their child or grandchild.
Any parent or grandparent can open a plan for their child or grandchild.
Any parent or grandparent can open a plan for their child or grandchild. Any parent or grandparent can open a plan for their child or grandchild. Any parent or grandparent can open a plan for their child or grandchild.
Any parent or grandparent can open a plan for their child or grandchild.
Any parent or grandparent can open a plan for their child or grandchild. Any parent or grandparent can open a plan for their child or grandchild. Any parent or grandparent can open a plan for their child or grandchild.
Any parent or grandparent can open a plan for their child or grandchild.
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