Industrielle Alliance, Insurance and Financial Services

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Saving and Retirement

Education Savings Plans

Education Savings Plans

Children give us a reason to live and a thousand reasons to hope. And also a desire to provide them with all the tools they need to succeed personally and professionally.

Build up a tax-sheltered fund to finance a child’s postsecondary education. A registered education savings plan (RESP) is the ideal financial vehicle to meet the job market’s education requirements and help you defray mounting education costs.

Who Should Consider an RESP?

Features and Advantages

At Industrial Alliance

Products Available

Who Should Consider an RESP?

Any person who is concerned about the future of a beneficiary (generally a child)

You may designate a child, grandchild, nephew, niece, etc. as the beneficiary of an individual plan. There is no restriction on the relationship between the child and you.

For family plans, beneficiaries must be related to the subscriber by blood or adoption.

Features and Advantages

An RESP is made up of subscriber contributions, eligible government grants, and investment income.

Beneficiaries obtain an tax deferral on their investment income.

To help you build the most valuable nest egg, you may be eligible for various grants for which we can apply on your behalf. (Click here to learn more about government assistance programs.)

When the big day comes to start postsecondary studies, beneficiaries will receive their educational assistance payments to support them in their future success.

The plan’s flexibility allows you to change beneficiaries.

At Industrial Alliance

We pay you an education bonus of up to 15% of the total monthly contributions paid into the Diploma RESP. The bonus varies according to the beneficiary’s age at the time of enrolment.

Your protection against financial market fluctuations may attain and even exceed 100% of the capital invested.

Educational assistance payments are available upon enrolment for the first session of studies. No proof of academic success is required.

You determine the amount of the educational assistance payment, and the beneficiary may use it for any school-related expenses, with no administrative restrictions.

Your capital is accessible at all times.

There is no minimum annual contribution. In addition you can contribute through automatic monthly payments or fixed amounts.

Take advantage of the RESP loan to increase your contributions. Invest now in their future!

Build your savings and pay no administrative fees!

For family plans, the beneficiaries must be related to the subscriber by blood or adoption.

Products Available

To learn more about RESPs, see the following documents:

Who can help you design their future? (PDF – 828 Kb)
Investment Vehicle: Diploma Investment Fund.

My Education
Who can help them discover the world? (PDF – 848 Kb)
Investment vehicles: Range of My Education investment funds and Guaranteed Interest Funds.


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