IBC for Kids

The Smartest Financial Gift You Can Give

Imagine this...

Your child reaches 18 with $126,000 available—no restrictions, no penalties, and no market losses.

By 65, they retire with over $2.4 million and a tax-free legacy of over $7 million left for their children.

This isn’t a dream. This is IBC® for Kids—the fastest-growing alternative to the RESP in Canada.

Why RESPs Fall Short

RESPs were built with good intentions. But they come with:

Strict withdrawal rules

Government control over grants

Penalties for non-education use

Market volatility risks

$50,000 contribution limits

Forced closure by age 35

In contrast, IBC® gives you freedom, flexibility, and full control—with guaranteed growth, tax advantages, and multi-generational impact.

Why More Canadian Families Are Choosing IBC® Over RESPs

CONTROL & OWNERSHIP
IBC® is a privately owned contract with a reputable insurer. No government interference. No policy changes mid-way.

LIQUIDITY WITHOUT PENALTIES
Access up to 90% of your policy’s cash value anytime—no taxes, no credit checks, and no repayment schedule.

GUARANTEED GROWTH
Your money compounds steadily, unaffected by market crashes. Cash value + death benefit increase every year.

CREDITOR PROTECTION
RESPs aren't creditor-proof (except in Alberta). IBC® policies can be protected—ensuring your child's legacy is untouchable.

LIFETIME FLEXIBILITY
No age limits. No use-it-or-lose-it restrictions. Fund your child's policy on your terms, and let it grow until they're 100+.

What Could Their Future Look Like?

Age	Purpose	Available Funds

18	University or Trade School	$125,000
	SPACER
30	Home Down Payment	$312,000
	SPACER
40	Income Property Purchase	$590,000
	SPACER
50	Strategic Investments	$1,060,000
	SPACER
65	Retirement Nest Egg	$2,412,000
	SPACER
85+	Tax-Free Legacy	$7,072,000+

**Assumes $500/month from 1 month old. Based on major Canadian insurers, 2023 dividend scales. Dividends not guaranteed but paid for over 175 years consecutively.

Build Generational Wealth—Like the Ultra-Rich Do

This isn’t just life insurance. It’s a family banking system. It’s how Walt Disney funded Disneyland. It’s how Jim Pattison built a multi-billion dollar empire. Now, it's how you can secure your family’s financial future—starting with your children.

The Ultimate Gift of Love

RESPs may help with school. IBC® sets them up for life.

A financial education tool

A savings engine

A wealth legacy

A source of tax-free opportunity

A lifelong safety net

Give your child the gift of independence, security, and freedom.