Silver Spoon Baby™ Plan – Invest in your child’s future
You can use the funds in the plan, while it continues to grow.
The Silver Spoon Baby™ Plan is an asset class of life insurance called participating whole life insurance. Each policy has a guaranteed cash value and every year, a tax-free dividend is paid into this cash value. These policies have existed since 1847, and a dividend payment has never been missed.
Choose Your Plan
We offer plans to suit every familie's needs. Below are 3 different case scenarios for a 1- year old boy.
Plan A: $150/mo from age 1 to age 21

*Sample illustration is based on a $ 150 monthly premium for twenty years starting when the child is less than 1. Cash and life insurance values are based on a current dividend scale of 6.2% from a Canadian Life Insurance Company. This example is strictly for illustration purposes only.
Plan B: $200/mo from age 1 to age 21

*Sample illustration is based on a $ 150 monthly premium for twenty years starting when the child is less than 1. Cash and life insurance values are based on a current dividend scale of 6.2% from a Canadian Life Insurance Company. This example is strictly for illustration purposes only.
Plan C : $500/mo from age 1 to age 21

*Sample illustration is based on a $ 150 monthly premium for twenty years starting when the child is less than 1. Cash and life insurance values are based on a current dividend scale of 6.2% from a Canadian Life Insurance Company. This example is strictly for illustration purposes only.
Request a Silver Spoon Plan
Tax-free growth
Use the funds for tax-free income
This is an asset that either you, or your child, can use for retirement
It’s completely funded after a 20-year period. No further deposits are required.
Steady, predictable growth*
Ownership can be handed over to the child at any time, tax free, after they turn 18
We serve clients across BC, Alberta & Ontario


About us
Why choose a Silver Spoon Baby™ Plan?
Continue growing
You can use the funds in the plan, while it continues to grow
Cash values
Can be used by your child for any financial need in life including education, down payment on a home, starting a business and even to provide financial security for their future family
Permanently Covered
Because it’s a life insurance plan, your child will be permanently covered, regardless of any illness that may arise
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