Insurance

As parents and grandparents, we always want the best for our children. For most of us, that means helping them on a path to success. One of the most meaningful ways to do that is by providing the financial safety net that comes with a Bright Start plan. What are Bright Start plans? It’s about securing their future and giving them a strong start in life.

Why a Bright Start plan?

Bright Start plans offer many benefits that can help secure your child’s future. It’s a great tool to ensure that whatever the child dreams, they can also make it happen. See why it makes a great investment.

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Cash value buildup

The policy builds cash value over time, which can be used for major life events like funding college or a wedding.

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Payoff periods

Choose a payoff period that fits your finances; the policy can be fully paid before it’s transferred.

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Tax advantages

Policy ownership transfers to the child tax-free when they reach adulthood, meaning no taxes on the transfer.

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Increase coverage & add-ons

Add disability coverage from the start, and you can increase the coverage and add critical illness protection.

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Lifetime coverage

A Bright Start plan covers future costs and provides a cash-out asset; it includes whole life insurance coverage.

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You have control

As the policyholder, you have control over the policy. There are ways to hand over ownership when the child becomes an adult. You also have the flexibility to choose the coverage amount based on the premium amount you’re comfortable investing.

Secure their future today

Give your child a strong base to start their life and set them up for success. With a Bright Start plan, you can ensure they have the financial security they need to navigate life’s milestones.

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Member Benefits

As a CAA Member you get a few extras with every CAA Protect policy.

  • Free Will Kit2: Every CAA Protect life insurance policy comes with a free will kit to help you plan for the future.
  • Free Maple Health3: Canada’s premier online medical services, including access to GPs, specialist advice and self-serve information.

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Frequently asked questions

Need help submitting a claim? You can reach out to your insurance carrier, your advisor, call our helpline at 1-800-709-5809 or email us at info@caaprotect.ca.

Save 20% on new Memberships. Join today!

Sign up to take advantage of great deals and savings. CAA Memberships start at just $301 a year, plus tax. Use promo code BF20

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Magazine Articles & Club Content

1 Visit caaneo.ca/termsandconditions for offer details and full Membership Terms and Conditions.

2 Eligible CAA Protect Policyholders who are also CAA Members will receive a basic Will Kit free of charge

3 Eligible CAA Protect Policyholders who are also CAA Members get access to two covered visits with a general practitioner, care concierge services and 20% off oncology navigation.

Have a question? To speak to a professional who can guide you to the right coverage from the right insurer at the right price call us at: 1-800-709-5809 or email us at info@caaprotect.ca

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