You’re building your child’s future. What keeps it going if something happens to you?
An education fund is a promise to your kids. The right insurance makes sure that promise is kept — even on the days you can’t be there to keep it yourself.
What happens to the plan if you’re not there?
If you passed away, or an illness or injury stopped you from working tomorrow, would your child’s education savings still grow? For most families, the honest answer is no — the contributions stop when the paycheque does.
That’s the gap insurance is built to close. Think of it this way: the RESP is the savings, and life and living-benefits insurance is the safety net around it. One builds the future; the other protects it. An LLQP-licensed insurance advisor can help you get both right — without over-buying.
Ways to protect your family and the plan
Different tools cover different risks. The right mix depends on your family, your budget, and your goals — that’s what a conversation is for.
Cover the years that matter most
Big, affordable protection for the child-raising and mortgage years. See how much you need with the coverage calculator.
Learn more →Lifelong coverage that builds cash value
Permanent protection that can grow guaranteed cash value over time, per the contract — a foundation piece of your family’s plan and estate.
Learn more →Flexible coverage with room to invest
Permanent coverage with flexible premiums and a tax-advantaged investment component you help direct.
Learn more →Protect your ability to earn
Your income funds everything — including the RESP. If illness or injury stops you working, this can replace a portion of it.
Learn more →A lump sum when you need it most
Money on diagnosis of a covered serious illness — with an optional Return of Premium rider that can give premiums back if you never claim.
Learn more →Bring your parents to Canada, covered
Medical insurance that meets the super visa requirement — so parents and grandparents can visit for the long stays that matter.
Learn more →Emergency medical, wherever you go
Coverage for Canadians travelling abroad — because provincial health plans stop at the border and a foreign hospital bill doesn’t.
Learn more →Health cover for students in Canada
Medical insurance for international students — from day one on campus, including provinces with waiting periods.
Learn more →Right-sized protection — no overselling.
Insurance should fit your family, not a sales target. As an LLQP-licensed insurance advisor, my job is to help you figure out what you genuinely need — and what you don’t — explain it in plain language, and let you decide with zero pressure. And because I’m independent, I shop multiple insurers to find the fit for your family — not one company’s product.
Same approach as everything else here: straight answers, real numbers, and a plan built around your kids’ future — the saving and the protecting, together.
Questions families ask before they protect the plan
If I die, does my child’s RESP carry on?
Term or permanent — which one fits an education promise?
How much cover do I actually need?
Is the money taxed when it pays out?
I have coverage at work — isn’t that enough?
What if the answer is that I don’t need what you sell?
Make sure the plan is protected.
A free, no-pressure call to look at your family’s situation — what you’re building, and what could put it at risk — and figure out the right protection for you.
Harpreet Singh · LLQP-Licensed · Life Insurance & Segregated Funds · Ontario · Proudly Canadian. This page is general information only — not insurance, financial, or tax advice. Insurance products are subject to eligibility, medical underwriting, and the terms and conditions of the individual policy; coverage, benefits, and availability vary by product and insurer. Speak with an LLQP-licensed insurance advisor about what is appropriate for your own situation.
Harpreet is an LLQP-licensed insurance advisor based in Ontario, Canada. He helps families understand RESPs in plain language, claim every government grant they qualify for, and protect the plan with the right coverage — with straight answers and no pressure. More about Harpreet →