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Help your clients give the gift of life insurance this holiday season!

Kid Start from Empire Life is a whole life insurance strategy that leverages the tax advantages of individually owned life insurance to help your clients give the next generation a financial head start in life. Kid Start offers a number of advantages over traditional financial vehicles used for tax-advantaged intergenerational wealth transfer.

Here's how it works:


Pair Kid Start with 20-Pay EstateMax® Participating Whole Life

With highly competitive total premiums and guaranteed values, EstateMax is the ideal engine to power a Kid Start strategy. See for yourself how it compares to other leading plans when it comes to guaranteed cash values* (GCSV) in adulthood:

Estate PAR Plan 20-Pay with Enhanced Dividend Option

All Values Guaranteed at Issue**

Female, non-smoker, aged 0  Empire Life EstateMax 20-Pay Competitive Product A Competitive Product B Competitive Product C
Monthly Premium $40.42 $40.42 $40.42 $40.42
Insurance Amount


$93,274 $29,175 $63,897
GCSV Year 20 $4,876 $4,046 $1,263 $2,506
GCSV Age 65 $22,744 $17,592 $6,905 $16,693

‡ Values shown are based on a comparison of Empire Life EstateMax 20 pay with Enhanced Dividend option for a Female, aged 0, to three other comparable PAR products for the same life insured. Competitive Product A is Equitable Life Equimax Estate Builder, Competitive Product B is Desjardins Estate Enhancer and Competitive Product C is Canada Life Estate Achiever Plus. Premiums and values for all products shown are based on quotes run with companies' illustration software on November 22, 2022.

Please visit our website to access Kid Start resources, including a video that you can watch and share on social media. 

Click below to watch and share!

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 *Cash Value Savings are a portion of paid premiums for Whole Life Insurance that is set aside by the company for investments. These funds may be accessed through a policy loan (standard interest rates will apply) or by surrendering all or part of the policy. Any portion surrendered will reduce the Death Benefit accordingly. Any cash value withdrawn from the policy, if taxable, is taxed in the hands of the owner. Please see policy contract for more details. Withdrawals may reduce value, assuming payments are made; a policy loan carries more risk.

**Guaranteed values include guaranteed cash surrender value, premium, coverage amount, and the enhanced coverage amount (if applicable). Not all policy values are guaranteed, see policy contract for details.



The information in this document is for general information purposes only and is subject to change without prior notice. Empire Life assumes no responsibility for any reliance made on or any inaccuracy in the information contained in this document.

Policies are issued by The Empire Life Insurance Company.


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The Empire Life Insurance Company
259 King Street East, Kingston Ontario K7L 3A8
1 877 548-1881
info@empire.ca - www.empire.ca
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