Personalized Critical Illness + Universal Life financial modeling for Canadian parents — built for families who want protection without wasting money.
Stop guessing about 20-year commitments. Get clear, personalized projections based on your child's actual age and your real budget — before you sign anything.
Premium refund analysis to age 75 based on your child's age
Break-even timeline & long-term growth projections
See exactly how timing impacts premiums and value
Clear, side-by-side breakdown to make your choice easy
Comprehensive Canadian family financial planning guides
You're about to commit to 20 years of premium payments. That's a decision that will affect your family's finances for two decades. Yet most parents make this decision based on a brochure, a quick phone call, or a well-meaning recommendation — without ever seeing the actual numbers.
"What if my child never claims? Did I just throw away $20,000?"
You want to protect your child, but the thought of paying premiums for 20 years — and never using the coverage — keeps you up at night. Without seeing the math, you can't know if this is a wise investment or a costly gamble.
"Do I really get my money back? Is it actually worth it versus investing?"
Return-of-premium sounds great in theory. But when you factor in inflation, opportunity cost, and the fine print — is it truly a good deal? You've heard conflicting opinions and you need real numbers, not opinions.
"Does cash value really grow? Or is this just marketing?"
You've heard that Universal Life builds cash value over time. But you've also heard horror stories about policies that didn't perform as expected. Without seeing projected growth at realistic rates, you're flying blind.
"Once I start paying for 20 years, I'm locked in. What if I regret it?"
Twenty years is a long time. Your family's financial situation could change. What if you need that money for something else? The fear of being locked into a commitment you don't fully understand is paralysing.
"If I don't start early, will premiums be higher later? Am I losing compounding time?"
You sense that starting earlier is better — but by how much? Without comparing age 1 versus age 6 versus age 11 projections side by side, you can't quantify the cost of waiting. And every month of delay might be costing you.
The insurance itself may be excellent. The products may be exactly right for your family. But committing tens of thousands of dollars over two decades without understanding the complete financial picture? That's the real risk. And it's 100% preventable.
Personalized financial modeling that shows you exactly how Critical Illness (20-Pay with premium refund) and Universal Life ($100K death benefit) work for your specific child — so you can commit with confidence, not confusion.
Instead of guessing, you see projections based on your child's actual age and your preferred budget. Clarity replaces uncertainty. You'll know exactly what you're paying, for how long, and what you get back — in every scenario.
We show you: total premiums paid, refund amount at 75, inflation-adjusted value, and claim vs. no-claim outcomes. This removes emotional fear and replaces it with mathematical certainty you can trust.
We model the $100K starting death benefit, projected cash value growth at assumed rates, and the break-even timeline. You'll see when the policy becomes a net positive — and whether it fits your family's strategy.
Because the modeling is personalized to your child, you mentally engage with the numbers as YOUR plan. By the time we talk, you've already internalized the structure. We're not selling — we're confirming what you've already decided.
No one pressures you. No aggressive sales calls. You receive the data, review it at your own pace, and decide when you're ready. This is education-first planning, designed to respect your intelligence and your time.
The cost of making the wrong decision — or delaying the right one — compounds over 20 years. For less than the price of a family lunch, you get the clarity to make a decision you'll never second-guess.
Each component is designed to give you a specific piece of the financial puzzle — so when you put them together, the complete picture is crystal clear.
Critical Illness premium calculations based on your child's exact age, showing 20-year payment totals and coverage to age 75 with premium refund rider.
See exactly how much you'll receive back if no claim is made — and how that refund compares to inflation-adjusted premiums over the full period.
Universal Life modeling showing death benefit structure, projected cash value growth under assumed rates, and long-term wealth accumulation potential.
Know exactly when your UL policy's cash value is projected to exceed total premiums paid — the moment your policy becomes a net financial positive.
Side-by-side projections showing how starting at different ages affects premiums, total cost, cash value growth, and refund amounts.
A clear, one-page visual summary that compares your options side by side — designed for quick reference and confident decision-making.
Choose from "Financing Your Child's School Year" or "Children Wellness Planning Guide" — or get both. Comprehensive Canadian family planning resources.
Optional one-on-one session to walk through your personalized numbers together — no sales pressure, just clarity and answers to your questions.
These illustrative examples show why starting earlier can make a significant difference. Your personalized kit will show exact numbers for YOUR child's age.
The difference between starting at age 1 and age 11 can be thousands of dollars in premiums — and significantly more in cash value growth potential. Your personalized kit reveals your exact numbers.
When your child turns 18, what will they receive? A gadget that's outdated in two years? A card they'll forget? Or a financial foundation that's been quietly building in the background — ready to support them when they need it most?
When structured properly, a plan started early means:
This isn't about selling insurance. It's about giving your child something that appreciates in value — for the rest of their life.
Your child inherits a policy with years of cash value growth, locked-in insurability, and critical illness protection — a financial foundation most adults wish they had.
Cash value has been compounding for decades. They have a life insurance policy in place when they start a family, buy a home, or launch a business — without paying a single premium themselves.
The policy you started for $50-60/month has grown into a significant financial asset. The death benefit protects their family. The cash value is a supplemental retirement resource.
If no critical illness claim was ever made, 100% of premiums are refunded. The life gift has come full circle — protection provided, money returned, legacy secured.
Real families who used the Master Kit to make informed, confident decisions about their children's financial protection.
Join 500+ Canadian families who chose clarity over confusion.
This isn't a lead generation tool disguised as a resource. The Master Kit was developed by a licensed Canadian financial professional who specializes exclusively in family protection planning.
After watching hundreds of families struggle with the same questions — "Is this worth it?" "Will I get my money back?" "How does cash value really work?" — we built the tool we wished existed: a personalized modeling system that answers every question before a single policy is discussed.
Our approach is education-first. We believe that when parents see the complete financial picture — including the scenarios that aren't on any brochure — they make better decisions. And better decisions lead to families that are genuinely protected, not just "insured."
Every option includes full personalized modeling for your child. Choose the planning guide that best fits your family's priorities — or bundle both for maximum value.
The entire process is designed to be simple, fast, and completely pressure-free. You're in control at every step.
Select the planning guide that fits your family — $6.99 for one book or $9.99 for both. Complete your secure checkout in under 60 seconds.
Tell us your child's age, your province, and your preferred monthly budget range. This takes about 2 minutes and allows us to personalize everything.
Get your customized CI and UL modeling, age comparisons, decision summary, and planning eBook(s) delivered digitally. Review at your own pace.
If you want to walk through the numbers together, book a structured review session. No sales pressure — just clarity, answers, and next steps if it makes sense.
See the difference between making a 20-year commitment based on guesswork versus making it based on personalized financial clarity.
| Decision Factor | Without the Master Kit | With the Master Kit™ |
|---|---|---|
| Premium Understanding | Rough estimate from a brochure | Exact 20-year totals personalized to your child |
| Return-of-Premium Clarity | "You get your money back" — vague promise | Inflation-adjusted refund analysis with real numbers |
| Cash Value Projections | "It grows over time" — no specifics | Year-by-year growth projections with break-even timeline |
| Age Impact Understanding | "Earlier is better" — no quantification | Age 1/6/11 side-by-side comparison with exact differences |
| Claim vs. No-Claim Scenarios | Not discussed or vaguely mentioned | Both scenarios modeled with financial outcomes shown |
| Decision Confidence | Lingering doubt, buyer's remorse risk | Mathematical certainty, confident commitment |
| Investment | $0 upfront, but potential $1,000s in wrong decisions | $6.99–$9.99 for complete clarity |
We believe so strongly in the value of this kit that we make this simple promise: If your personalized modeling doesn't give you significantly more clarity about your child's protection options than anything else you've seen — we'll refund every penny. No questions. No hassle. No fine print.
You're investing $6.99 to $9.99 to gain clarity on a decision that involves tens of thousands of dollars over 20 years. The risk of NOT having this information is infinitely greater than the cost of getting it.
If you're not completely satisfied with the depth and clarity of your personalized modeling, you get a full refund.
You keep the planning eBook(s) regardless. We absorb all the risk because we know the kit delivers value.
The review session is optional. You'll never be pressured into purchasing any insurance product. Education first, always.
We've anticipated every question and concern you might have. If yours isn't listed below, our review session will address it personally.
No. You're paying for a real product — personalized financial modeling and planning eBook(s). The modeling is genuinely useful whether or not you ever purchase a policy. We do offer an optional review session where you can discuss your numbers, but there's zero obligation, zero pressure, and zero sales tactics. Many parents use the kit purely for educational purposes and never book a session. The kit stands on its own as a valuable planning resource.
This is exactly why the Master Kit exists. The CI 20-Pay structure includes a return-of-premium rider to age 75. This means if your child never makes a claim, 100% of premiums paid are refunded. Your modeling will show you the exact refund amount, adjusted for inflation, so you can see the true financial impact. In the best-case scenario (no illness), you get your money back. In the worst-case scenario (illness occurs), your child has coverage. Either way, you don't lose.
This is one of the most common questions — and your personalized modeling addresses it directly. The kit shows you what your premiums would be worth if invested at various assumed rates, compared to what the insurance structure provides (protection + premium refund + cash value growth for UL). For many families, the combination of guaranteed protection plus return of premium plus cash value growth creates a risk-adjusted return that's difficult to replicate with standalone investments — especially when you factor in the tax-advantaged growth inside a UL policy. But you'll see the specific numbers for your situation.
Universal Life cash value growth is real, but it depends on the investment options selected within the policy and market conditions. Your modeling will show projections at conservative assumed rates — not best-case marketing numbers. You'll see the year-by-year growth trajectory, when cash value exceeds total premiums paid (break-even point), and what the policy could look like at key milestones (age 18, 25, 40, 65). We use realistic assumptions because our goal is to give you accurate expectations, not inflated promises.
This is a legitimate concern that the modeling helps address. You'll see the total 20-year commitment clearly, broken down by month and year. For Universal Life, you'll also understand the flexibility options available — UL policies typically offer more premium flexibility than traditional whole life. During your optional review session, we can discuss the specific provisions for premium holidays, reduced payments, and other flexibility features. The goal is to choose a premium level you can sustain comfortably for the full term.
It's not too late — but it is more expensive than starting earlier, which is exactly why the age comparison examples are included. Your kit will show you the exact numbers for your child's current age compared to what they would have been at younger ages. While premiums are higher and the compounding window is shorter, the protection value is still significant, and locking in insurability before they develop any health conditions remains valuable. Many parents with older children find the structure still makes strong financial sense — they just wish they'd started sooner.
Yes. The Canadian Child Financial Protection Master Kit is designed for families across all Canadian provinces and territories. The modeling accounts for the national insurance structures offered by major Canadian carriers. During the intake form, you'll indicate your province so we can ensure everything is properly tailored to your jurisdiction.
Immediately after checkout, you'll receive a short intake form asking for your child's age, province, and budget preferences (takes about 2 minutes). Your planning eBook(s) are delivered instantly. Your personalized modeling is prepared and delivered digitally. You'll also receive an option to book a structured review session — completely optional. The entire process is designed to be fast, simple, and pressure-free.
There's no catch. We price the kit at $6.99–$9.99 because we want it to be accessible to every Canadian family considering child protection. The small investment ensures you're serious about planning (not just casually browsing), while keeping the barrier low enough that cost is never a reason to make a 20-year decision without complete information. We'd rather you have the clarity to make the right decision — whether that includes our services or not — than commit blindly to something that may not be the best fit.
This isn't manufactured urgency. It's actuarial reality. Insurance premiums are calculated based on age at enrollment. Every birthday that passes means higher premiums for the same coverage — and less time for cash value to compound.
The exact same CI and UL coverage costs more every year your child gets older. Starting at age 2 vs. age 3 can mean hundreds of dollars in total premium savings over 20 years.
Each month of delay is a month of cash value growth your child's UL policy will never recover. Time is the most powerful factor in long-term wealth accumulation.
Your child is healthy today. A diagnosis — even a minor one — can affect insurability or increase premiums. Locking in coverage while they're young and healthy protects against future uncertainty.
The cost of confusion is measured in thousands over 20 years. The cost of clarity is less than a family lunch. Waiting to "think about it" is the most expensive option of all.
In the next few minutes, you can take the first step toward making a 20-year financial decision with confidence instead of confusion. Here's everything you'll receive:
Once your personalized modeling is ready, you may want to review the numbers together. This isn't a sales call — it's a structured review session designed to:
If it doesn't make sense for your family, you've still gained clarity worth far more than $6.99.
Every session is conducted by a licensed Canadian financial professional. There are no scripts, no closing techniques, and no pressure. Just an honest, structured conversation about your family's protection options.
🔒 Your information is protected and never shared. No obligation.
Keep researching on your own. Read more conflicting opinions online. Talk to another agent who gives you the same surface-level explanation. Maybe decide in a few months — or a few years. Meanwhile, premiums go up, compounding time is lost, and the uncertainty continues. The cost of confusion compounds just like interest — silently and relentlessly.
For less than the price of a coffee and a muffin, get every number you need to make a confident 20-year decision. See the exact math for YOUR child. Understand every scenario — claim, no claim, cash value growth, premium refund. Make a decision you'll never second-guess. Start building your child's financial foundation today — or decide with certainty that it's not the right time. Either way, you gain clarity that's worth thousands.
"The best time to plant a tree was 20 years ago. The second best time is now."
— The same is true for your child's financial protection.