Important Notice
We do not present children’s planning as a guaranteed retirement plan. The proper term is Children’s Future Planning. Any values, grants, or future outcomes depend on specific product terms, eligibility, and applicable rules. Nothing on this page is a guarantee.
A strong future does not happen by accident. It requires planning, protection, and early action.
Discuss Children's Future Planning
A registered savings plan designed specifically for post-secondary education. Families may be eligible for government education savings grants based on the rules of the program. Future values depend on contribution levels, eligibility, and applicable program rules.
Insurance planning for children that secures lifetime protection, locks in future health coverage eligibility, and provides flexible options for the family — regardless of the child's future health.
The Right Question
The conversation is not about which option is better. The question is: What do you want this planning to do for your child — education savings, future health protection, or a combination of both?
Book Children's Planning Consultation
Long-term family planning
Protection for a child should be purposeful—not automatic.
Permanent insurance for a child can provide lifelong insurability and future flexibility, but it must fit the family budget and a clearly defined objective.
Lifetime protection
Coverage established while a child is young may remain in place as health, career and family circumstances change.
Future flexibility
Some permanent policies may build values that can support future options, subject to policy terms and tax rules.
Family priorities first
Parents’ income protection, emergency savings and essential obligations should be reviewed before committing to a child-focused strategy.
WealthPillar helps families compare ownership, premium duration, guarantees and access provisions so the decision is based on contract details rather than illustrations alone.