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Investments

Registered Education Savings Plan (RESP)

Start saving for your child's education today and collect up to $7,200 in free federal government grants. The smartest way to fund post-secondary education in Canada.

Get a Free Quote (604) 338-3042
$7,200 Max lifetime CESG grant per child
20% Government match on first $2,500 annually
$50,000 Lifetime contribution limit per child
35 years Plan can remain open if needed
How it works
Getting covered is simple
1

Book a free call

Sri reviews your unique needs, goals, and budget — completely free with no pressure or obligation.

2

Compare top plans

We shop 20+ Canadian insurers to find you the best coverage at the most competitive rate.

3

Get covered fast

Meet Sri on Zoom or in person to submit your application. Many plans are approved within 24–72 hours—often with no medical exam required.

About this coverage
Government Grants Plus Tax-Deferred Growth

A Registered Education Savings Plan (RESP) is a tax-advantaged savings account designed to help Canadian families save for a child's post-secondary education. Supported by the Government of Canada and administered in accordance with CRA guidelines, an RESP allows your investments to grow tax-deferred while giving access to valuable government incentives such as the Canada Education Savings Grant (CESG), Canada Learning Bond (CLB), and provincial grants.

An RESP can be used for college, university, trade schools, and apprenticeships. While contributions are not tax-deductible, earnings grow tax-free until withdrawn and are taxed in the student's hands — who typically pays little to no tax. The lifetime contribution maximum is $50,000 per child and plans can remain open for up to 35 years.

Key benefits
Why Every Parent Should Open an RESP

Free government grants

The CESG gives 20 cents for every dollar contributed up to $2,500 per year — do not leave it on the table.

Tax-deferred growth

All investment earnings grow inside the plan with no annual tax to slow compounding.

Flexible education use

Covers university, college, trade school, apprenticeships, and most vocational programs.

RRSP transfer if unused

If the child does not pursue education, up to $50,000 in earnings can transfer to your RRSP.

Common questions
Frequently asked questions
As early as possible. The sooner you begin contributing, the more time compound growth and CESG grants have to accumulate. You can open an RESP at any age up to 17, though CESG eligibility has restrictions after age 16. Earlier is always better.
Government grants must be returned, but all of your original contributions are withdrawn tax-free. Investment earnings inside the plan can be transferred to your RRSP up to $50,000, subject to available contribution room.

Ready to protect what matters most?

Sri will find the right coverage at the best rate — no cost, no pressure, no jargon. Just honest guidance.

Book a Free Consultation (604) 338-3042

Licensed in BC, Alberta, Ontario & Nova Scotia • Powered by Experior Financial Group