A gift that grows every day of their life.
5.0 · 268 Google reviewsAdvisors certified by the AMFAn independent firm in Mascouche
Participating life insurance means lifelong protection, a cash value that grows year after year, and a financial legacy your child will thank you for starting.
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More than insurance. A legacy.
Participating life insurance for children: the most underrated financial product in Quebec.
Lifelong protection. A cash value that grows every year, sheltered from tax. A flexible asset your child can use for school, a home or retirement. All in a single product — and the earlier you start, the more powerful it is.
Every year you wait, your child loses tens of thousands of dollars.
Most parents put this decision off. The problem? Time is the number one growth factor. A lost year can never be made up.
- An RESP is capped and taxable on withdrawal
- A savings account earns next to nothing
- Stock market investments are volatile for a child
- The longer you wait, the higher the premiums
Starting at age 1 vs. age 10
The difference? Hundreds of thousands of dollars.
At age 1, premiums are at their lowest and growth has the most time to work. At age 10, premiums are higher and the capital has 10 fewer years to grow.
You plant a seed. Time does the rest.
Participating life insurance is a unique financial vehicle: lifelong protection, tax-advantaged growth and flexible capital — all in a single product. Payable over 20 years, over a custom period, or even for life, depending on your budget.
Protected for life
From day one, your child has permanent protection. Forever.
Growth year after year
The cash value increases every year through the insurer’s participating dividends.
Tax-sheltered growth
The capital grows in a tax-advantaged environment, with no annual tax on the growth.
A flexible asset for life
School, a down payment, a business, retirement — your child decides when and how to use it.
It is the only product that combines protection, savings and tax-advantaged growth in a single contract — and the earlier you start, the more spectacular the result.
The power of time at a glance.
Here is a real example: a 1-year-old child, with a $33.55/month premium payable over 20 years. The amount and the payment period adapt to your situation — this is only an illustration.
| Child’s age | Cash value | Protection (death benefit) |
|---|---|---|
| Age 1 | $108 | $21,420 |
| Age 5 | $733 | $27,971 |
| Age 10 | $2,755 | $38,026 |
| Age 15 | $6,393 | $50,185 |
| Age 18 | $8,122 | $57,932 |
| Age 20 ✦Payments end | $9,624 | $64,858 |
| Age 25 | $13,378 | $77,739 |
| Age 30 | $18,446 | $91,586 |
| Age 40 | $34,154 | $123,021 |
| Age 50 | $61,781 | $161,735 |
| Age 65 | $144,269 | $249,947 |
| Age 75 | $245,885 | $346,016 |
* Illustrated values based on the current dividend scale. Not guaranteed. For guidance only. The ✦ symbol marks the end of payments (20 years). The value keeps growing with no further payments.
Imagine the day your child discovers this gift.
You started when they were a baby. They don’t even remember it. But the day they need it, it is all there — a capital that grew quietly for years.
They pay for their education
The accumulated value can help fund university, on top of the RESP. A safety net few students have.
Education funded
They buy their first home
They use the cash value as a down payment or as collateral for a loan. A concrete advantage when it matters most.
Down payment available
They enjoy substantial capital
After decades of tax-sheltered growth, the cash value and the protection have reached significant amounts — all because you acted early.
Six-figure capital
Why start while your child is young?
Three advantages that time multiplies.
The lowest possible premiums
A healthy child = minimal cost. The longer you wait, the higher the premium.
Decades of growth
Dividends accumulate year after year. Every extra year amplifies the result.
Guaranteed insurability
You lock in their protection now, whatever the future holds for their health.
The best time is always as early as possible. But it is never too late.
You don’t need to understand it all. That’s what we’re here for.
At Finox, we explain the concept simply. No jargon. No pressure. Just a clear conversation to see whether this solution fits your situation.
A Finox advisor helps you:
- Understand exactly how participating life insurance for children works
- See personalized projections for your child’s age
- Compare it with other options (RESP, savings, investments)
- Decide with full knowledge of the facts, with no pressure whatsoever
You leave with a clear answer, not guesswork.
No obligation. A call of 10 minutes at most.
Parents who made the best decision
They acted early. Today, they have no regrets.
“We started when our daughter was 3 months old. $33 a month is nothing compared to what it will become. The advisor explained everything clearly.”
Valérie and Simon
Parents of Léa, 3 months
“My father did the same thing for me. At 25, I was able to use the value for my down payment. Today, I’m doing the same for my kids.”
François
Dad of Mathis and Élodie
“I was looking for something better than the RESP alone. Participating life insurance rounds out our strategy perfectly. Impeccable service.”
Isabelle
Mom of Thomas, 1 year old
How does it work?
A simple, fast process. You can act today.
Leave your contact details
Fill out the form above (about 30 seconds)
We call you
An advisor explains the concept clearly, with figures tailored to your child’s age.
You decide with confidence
You leave with a personalized illustration and all the numbers in hand to make the right decision.
No-pressure call · No obligation · Confidential information
Every year counts.
The beauty of this product lies in time. The younger your child, the less their protection costs, the more time growth has to work its magic, and the more impressive the result.
Start at age 0
Minimum premium, maximum growth
Start at age 5
Still very advantageous
Start at age 10
Possible, but less potential
Google reviews from our clients
Thousands of Quebecers trust us to compare their insurance
Back to the form: 2 minutes, no obligation.
The team behind the service
A small team that serves clients everywhere in Quebec. The person who calls you back works here.
Services financiers Finox inc.: an independent firm
A Quebec financial services firm registered with the Autorité des marchés financiers, based in Mascouche, independent from the insurers. 268 Google reviews, rated 5.0. Your information is used only to prepare your quotes; one person from our team calls you back.
Dany MichaudPartnerAMF no. 243405
Evan Juteau LapierrePartner and senior brokerAMF no. 260856
Étienne LejeuneSenior brokerAMF no. 250008
Alexandre ClémentAssociate advisorAMF no. 250201
Mathis Aubin SavardAdvisorAMF no. 277477
Cédric SénéchalDirector of strategic development and marketing
Kim CôtéProperty and casualty insurance
Zavier BinetteIntern
Émie BélangerAdvisor assistant
Jessica Archambault-LeonaSocial media manager
Frequently Asked Questions
You pay a monthly premium for a period you choose (for example 20 years, or for life). From day one, your child has lifelong protection. At the same time, a cash value builds up and grows every year through the insurer’s participating dividends, sheltered from tax.
Yes. The policy can be paid up over 20 years, over another period, or even for life, depending on your budget and your goals. An advisor helps you find the right formula for your situation.
Yes. Once an adult, your child can access the accumulated value to pay for school, buy a first home, start a business or fund any other life project. It is flexible capital.
The policy offers guaranteed base growth, plus participating dividends based on the performance of the insurer’s portfolio. The illustrated values are based on the current dividend scale and are not guaranteed, but they reflect the insurer’s track record.
Yes. The goal is simply to explain the concept and answer your questions. There is no pressure and no obligation to buy.
The younger the child, the lower the premiums, the more time the value has to grow, and the earlier you lock in their insurability. It is the combination of these three factors that makes the result so impressive.
The best time to plant a tree was 20 years ago. The second-best time is now.
Give your child a gift that will grow with them their whole life — protection, capital and peace of mind.
It costs nothing to check whether this solution is right for your family.
Give my child this advantageNo-pressure call · No obligation · 100% confidential