Parent Plan is an insured retirement strategy that will address your dual need for insurance & retirement income supplement. The power of compounding works by growing your wealth exponentially and investing at young age since time has the power in the formula. The immediate need for protection on outstanding debts such as mortgages and other loans and the need to provide for the family in the case of sudden loss is best addressed by life insurance.

IRP concept that transforms a life insurance policy and a bank loan into the potential tax-deferred accumulation of funds today and tax free access to those funds in the future. The concept is simple: the accumulated value of an exempt life insurance policy purchased from us today provides you with cash flow / retirement income in the future by serving as collateral for a loan from any bank in Canada for purposes of the Insured Retirement Program, the loan is structural as a line of credit.