Compare & Get Canada’s Best Kids Life Insurance
Give a gift that is more valuable than toys or gadgets, which leaves a legacy and makes you remembered even after you.
Kids Life insurance is a whole life insurance policy designed to protect your child today and build wealth for tomorrow.
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TESTIMONIALS
Real Stories of Lives Transformed
"I feel i am protected"
We were overwhelmed by the cost of life insurance for our kids and didn’t know where to start. Manish explained the differences between term and whole life policies and showed us quotes from multiple companies. He helped us find an affordable plan with coverage that grows every year, and now we have peace of mind knowing our kids are protected for life. We saved over $200 compared to what another advisor recommended!
"Thanks to him"
When my husband passed away suddenly, I realized the importance of financial protection for my children. Manish helped me set up a life insurance plan for both of my kids, explaining how the cash value could be a safety net for emergencies. His guidance was invaluable during one of the hardest times of my life, and I’ll always recommend him to other families.
"Genuine Advice"
I was looking for whole life insurance policy for my kid that has cash value. When i talked to their advisor one thing i felt was they found the best insurance company for me, rather than going with one company. He also showed me the best way to structure the policy. I have to say, as a brokers they gave me the best price, even better from what my old insurance advisor from sun life gave me.
"Time Saver"
What I appreciated most about working with Manish is that he’s a broker with access to all the big insurance companies like Manulife, Desjardins, and iA. He wasn’t trying to sell me one company’s plan but instead compared options to find the best one for my family. We ended up choosing a whole life plan for my daughter that offers both cash value growth and guaranteed coverage. Manish explained everything clearly, and I felt like I could trust him completely.
How Kids Life Insurance Can Be a Perfect Gift
💔 Shield Your Family from Financial Hardship
A grieving father shared his story:
"When we lost our 15-year-old daughter, the life insurance was our lifeline. It covered her funeral costs and allowed us to take time off work to heal. Without it, we don’t know how we would’ve managed."
💔 Protect Your Child Against Future Risks
Another parent explained:
"I got a life insurance policy from my parents when I was a kid. As an adult, I found out I have a genetic condition that makes qualifying for insurance nearly impossible. But because my parents prepared me, I’m covered for life. They protected me before I even knew I needed it."
💔 Financial Help To Your Child In Future
With the Million Dollar Baby Plan, your kid can
Study in 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
What is Kids Life Insurance?
I'll try to brief here, but read full for better understanding.
Child life insurance is a whole life insurance policy that does more than protect your child—it secures their financial future.
In this Plan, your kids' life insurance coverage increases every single year. So if you start with 100,000 coverage, it will increase to 1 million+ in later life.
The interesting thing is that while this coverage increases every single year, you have to pay for only 20 years.
Let me tell you another cool thing: This life insurance has a savings account on the side, also called cash value. Your child can use this money for the first house downpayment or maybe even start a business.
So with this policy, you are helping your child to start their life with financial stability.
Yet, few parents don't mind making their children unprepared for future financial issues.
In the unthinkable event of a tragedy , your family could face overwhelming financial and emotional burdens especially when something happens to your kid. SO its important you are prepared for "what ifs" scenario.
In case you are not sure, these are the risks that your child can face in the future.
Your child could face skyrocketing insurance costs—or worse, be uninsurable—if health issues arise later in life
They may struggle to afford major milestones like education, a home, or starting a business
In the unthinkable event of a tragedy, your family could face overwhelming financial and emotional burdens, because at that time doing a job to pay bills will not be the option.
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.
How Kids Life Insurance Policy Works?
Its whole life policy for kids that provides a permanent coverage for life and also build cash value (kind of savings account) where the money will grow Tax Free.
With a premiums for just 20 years, you can ensure your child is protected for life no matter what the future holds.
These premiums remain fixed, offering you peace of mind knowing they won’t increase as your child grows.
As the policy accumulates cash value over time, its like a savings account. It can also provide financial flexibility later in life, whether for education, starting a business, or other important milestones.
By choosing this option, you’re securing your child’s future, giving them a lasting financial foundation, and ensuring they’re covered for life, no matter what changes may come.
It’s a decision you make today, with their tomorrow in mind.
What Makes the Million-Dollar Baby Plan the Perfect Gift?
🎁 It’s More Than a Present—It’s a Financial Legacy
Unlike fleeting gifts, this plan grows with your child, creating a financial foundation that lasts a lifetime.
❤️ Protect Their Future, No Matter What
Life is unpredictable, but this policy ensures your child is protected against financial struggles, medical uncertainties, and the unexpected.
📈 Build Generational Wealth
With the power of compounding, this plan creates a financial safety net that can turn into a million-dollar legacy over time.
Your One Decision Can Make or Break Your Kid's Future
Every parent dreams of giving their child the best life possible, but dreams alone won’t secure their future.
The decision you make today could be the difference between your child struggling financially or becoming a millionaire with opportunities at their fingertips.
By choosing the Million-Dollar Baby Plan, you guarantee that your child will have lifelong financial protection, the foundation to chase their dreams, and the means to overcome life’s challenges.
Imagine your child remembering you when he/she is 50-60 years old and thanking you made this decision.
FAQs
Essential Answers for Your Child's Life Insurance Queries
Why should I consider life insurance for my child?
It secures future insurability, protects against unforeseen health issues, and supports during critical life events.
At what age can I insure my child?
You can insure your child as early as 14 days old.
Are there any tax benefits involved with purchasing life insurance for my child?
Yes, there are potential tax benefits, including tax-free death benefits and possible tax deductions for premiums paid on certain types of insurance policies. We recommend consulting with a tax advisor to understand how these benefits apply to your particular situation.
How is the premium determined for child life insurance plans?
Premiums are generally lower for young, healthy children and vary by coverage amount, policy term, and added riders.
Can the life insurance coverage be extended or upgraded as my child grows up?
Absolutely, upgrading or extending coverage as your child grows is possible and encouraged.
Is children's life insurance worth it?
Many parents and grandparents believe children’s life insurance is invaluable because it combines financial protection with the potential to build a lasting financial asset. These policies provide a tax-free lump sum if the unthinkable happens and a child passes away, offering families support to cover funeral costs, bereavement counseling, medical bills, or even time off to grieve. But the benefits don’t stop there. Child life insurance guarantees insurability and lifelong coverage, even if the child develops a health condition later in life that would otherwise make getting affordable insurance difficult or impossible. It also serves as a smart savings tool, with tax-advantaged growth and cash value that your child can use in the future—whether for education, a down payment on a home, or other life expenses. The earlier you secure a whole life insurance policy for your child, the faster the cash value grows, setting them up for a stronger financial future. By investing in life insurance for your child, you’re not just protecting them—you’re creating a foundation of security, opportunity, and peace of mind for the whole family.