1
Choose your monthly amount
Start from as little as $100 a month. No contribution limits, no annual caps, no penalties for changes. Adjust anytime.
Why 5,000+ Canadian families have opted for this plan
Protect your child's future and build tax-free wealth
One plan that combines life insurance protection with long-term, tax-sheltered growth. No contribution limits. No government restrictions. Your child uses it however they choose.
Plans started before age 1 gain up to 5 extra years of compounding — the earlier you start, the more your child benefits.
- ✓Licensed coast to coast
- ✓Tax-free growth
- ✓No RESP limits
- ✓4.8/5 average rating
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See your child's 20-year projection
Free, personalized, no obligation.
How it works
Three steps. One plan for life.
No paperwork avalanche. No confusing government forms. Just a simple plan that grows with your child.
2
Watch it grow tax-free
Your contributions compound inside a life insurance policy, sheltered from tax. The cash value grows year after year.
3
Your child uses it freely
Unlike an RESP, there are no rules about what the money is for. Education, a first home, a business, retirement — their choice.
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See my illustrationWhy families choose this plan
Protection and wealth building in one plan
Most parents have to choose between life insurance and an education fund. This plan does both.
Life insurance from day one
Your child is insured the moment the policy is active. If the unthinkable happens, your family is protected. If nothing happens, the cash value keeps growing.
Tax-free compounding growth
Inside the policy, your contributions grow without annual tax. Over 20 years, that tax shelter can mean tens of thousands more than a taxable investment.
No contribution limits
RESPs cap you at $50,000 lifetime. This plan has no government-imposed ceiling. Put in as much or as little as your budget allows, whenever you want.
Use the funds for anything
RESP withdrawals must go to education, or you face taxes and penalties. This plan puts zero restrictions on how your child uses the money.
Creditor-protected asset
Life insurance cash values are protected from creditors under Canadian law. Your child's wealth stays theirs, even in a worst-case financial scenario.
Licensed advisors, coast to coast
Every plan is built by a licensed insurance advisor familiar with your province's regulations. Not a chatbot — a real person who knows your situation.
Questions? Talk to a licensed advisor.
Call 647-362-5511 or request a callback — no pressure, no obligation.
Schedule a free callWhat families say
Real families. Real plans.
“We started when our daughter was 3 months old. Seeing the projected numbers at age 18 made the decision easy. It's like giving her a head start most kids never get.”
Sarah M.
Mother of 1, Ontario
“Our advisor walked us through everything. We liked that it's not just a savings plan — the insurance piece gives us peace of mind, and the money grows tax-free.”
David & Priya K.
Parents of 2, Alberta
“We maxed out the RESP and were looking for the next step. No contribution limits and full flexibility sold us. Our advisor showed us exactly how the two work together.”
Michael T.
Father of 3, British Columbia
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Start my free illustrationCommon questions
Frequently asked questions
An RESP is a government-registered education savings plan with contribution limits and rules about how the money can be used. A Child Investment Plan is a life insurance policy with a cash value component. It grows tax-free, has no contribution limits, and your child can use the funds for anything. Many families use both.
You only lose CESG if you skip the RESP entirely. We recommend maxing out your RESP first to collect the full $7,200 in grants, then using a Child Investment Plan for everything above the RESP limit.
Plans start as low as $100 a month. There's no maximum. You can increase, decrease, or pause contributions as your family's needs change, with no penalties.
Inside a permanent life insurance policy, the cash value grows on a tax-deferred basis under CRA rules. When structured correctly, your child can access the funds through policy loans without triggering a taxable event.
Yes. Starting at birth gives the longest runway for compound growth. A plan started at birth with $300 a month can accumulate significantly more than the same plan started at age 5.
Nothing changes. Unlike an RESP, there's no penalty or clawback. Your child can use the cash value for a home down payment, starting a business, travel, or let it continue growing.
Every advisor is a licensed life insurance professional registered in their province. They're independent and can shop across carriers to find the best policy for your family.
No. The projection and consultation are free with no obligation. The advisor's compensation comes from the insurance carrier, not from you.
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