Introducing Ethereal - The Premium children's savings plan

Free yourself from the restraints of traditional Registered Education Savings Plans, and use Ethereal to create the future for your children's dreams.

Our children may never go to medical school, or start a million dollar business.  But now they don't have to.  In 20 years, starting today, they could have the money to further their education anywhere, build their dream house, or start the business that you know will make them happy and even have a million dollar pension at retirement.

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Get Illustration

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Ethereal is our signature series children's savings plan that uses the tax sheltered benefits of permanent whole life insurance to create a financial future for your children.

Ethereal-

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Sample illustration
of cash values growth over your child's lifetime

Sample illustration is based on $2,500 annual ($208 monthly) premium for 20 years starting when the child is less than 1.  Totals are based on currant dividend scale of 6.5% however, the annual dividend scale is not guaranteed and values may differ.  Illustration purposes only.  We do not charge you any fees either setting up or cancelling Ethereal.

Age	Accumulated Cash Value
21	$71,651 (Education)
35	$184,898 (Down Payment)
45	$335,684 (Security)
65	$991,273 (Pension)

Ethereal vs. RESP

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Ethereal's Unmatched returns

Comparison of Ethereal and a traditional RESP.  This is why Ethereal is so different.  If 20 years ago, you had invested $208/month or $2,500 per year, both into Ethereal or a traditional RESP.
 
$2,500 per year with Ethereal (BLUE)
         Dividend scale interest rate
$2,500 per year in traditional RESP (RED)
         S&P composite index

For illustration purposes only

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Ethereal Children's Insurance/Savings Plan Illustration request form

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Why Ethereal goes beyond what any RESP ever could

You are able to open a plan for your child or grandchild as early as they are 14 days old, and earns annual tax-free dividends for life.  Ethereal continues to grow after they have finished their education.

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Cash values in the plan can be used for any financial need from education, travel, home down payments, business start up, health care emergencies, or even to provide retirement pensions income.

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You can transfer ownership of Ethereal tax-free to your child or grandchild anytime after they turn 18.  You can even control the use of the cash values after you have transferred ownership

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Ethereal can be opened by parents, grandparents, or any other direct family member. Its the only tax-free gift for grandparents to give to their grandchildren

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Cash values continue to grow tax-free throughout your child or grandchild's life time, starting from the moment you open the plan

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Cash values can be used for any education program, anywhere, not just those approved on the RESP Designated Education Institution list

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Cash values can be accessed anytime after all deposits have been completed.  It is completely funded after 20 years, and no further contributions are required.

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Because Ethereal is based on Permanent life insurance, your child or grandchild will be permanently covered, regardless of any future illness

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Grandparents over the age of 64 can use non-registered, RRSPs, or RRIFs to fund Ethereal, and transfer wealth to your future generations.  All tax-free!

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Elite Education
Savings Plan

Purchase/renovate
their dream home

Build their business

A pension that is guaranteed

Permanent
Life Insurance

CREATE GOALS,
FROM DREAMS

Your children and grandchildren deserve the best that life has to offer.  You deserve to know that you have done everything possible to help them become the people they are meant to be.

In as little as 20 years, you have guaranteed that they have the protection and freedom to choose what financial directions they will take.  Your first step is receiving your Ethereal illustration. 

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At this point most people
do one of two things.....

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Frequently Asked Questions

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What is Ethereal?

• Ethereal is a savings plan specially designed for children.  It utilizes the tax favored treatment and sheltering benefits of Participating Whole Life Insurance to help shelter and grow wealth for your children and grand children.
  

What is Participating Whole Life Insurance?

• Participating whole life insurance plans are life insurance plans which combine guaranteed cash value with tax free annual dividends paid by the insurance company, attached to a permanent life insurance policy.  The policy grows tax free throughout your child's entire life, and the money inside the policy can be used for any purpose including education, down payment for their home, business start up, security for loans, or even used in retirement as a pension income.
  

How old does my child or grandchild need to be to open an Ethereal savings plan?

• Ethereal can be opened for your child or grandchild as soon as they are 14 days old.  Although starting young is always preferable, there is no maximum age restrictions.

Who can open an Ethereal plan for my child or grandchild?

• Ethereal can be opened by parents, grandparents, aunts, uncles, and legal guardians.

How secure is Ethereal?

• Extremely secure.  Ethereal is issued, serviced and backed by a major Canadian Life Insurance Company.
  

Are annual dividends tax free? Really?

• Yes, yes they are. You, and your child or grandchild will receive an annual dividend completely tax free...for life

How long do I need to contribute to Ethereal?

• Ethereal is 100% fully funded after 20 years.  Both the cash value and life insurance will continue to grow in value for the life of your child or grandchild.  No other contributions will be needed.

Is there a minimum amount I need to contribute to Ethereal?

• No, there is no minimum or maximum amount.  It entirely depends on how much you would like to contribute.  Many families typically contribute between $100 per month to $500 per month.

Is Ethereal an RESP?

• No, Ethereal is not a Registered Education Savings Plan, it is far more reliable, has more advantages, and is much more flexible than a traditional RESP.  An RESP is a government based program where your children's funds are limited both by amount of contribution, and where the funds can be spent.  Ethereal is a private savings plan, and is the ideal way to grow your children's account, while having the most flexibility as to where the funds and used.
  
• If you would like guaranteed returns, the flexibility to choose where the funds are to be spent, and the ability to shelter from taxes, then Ethereal is the savings/investment plan for you and your children.

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Ethereal Children's Insurance/Savings Plan Illustration request form

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