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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‡
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All Values Guaranteed at Issue**
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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 |
$100,000
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$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.
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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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