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Does your baby's financial protection keep up with your family?

A short test to take stock of the protection and savings in place for your child — and see what remains to be confirmed with an advisor.

UV Assurance offers L'Éveil: free coverage for the first year for children aged 0 to 36 months, then $18/year — no commitment required to obtain it

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L'Éveil — 0 to 36 months

Free coverage for the first year, no commitment

UV Assurance offers, with its program L'Éveil, basic coverage at no cost for the first 12 months for children aged 0 to 36 months — no purchase required to obtain it. This offer creates no obligation on your part.

After the 12 free months, the coverage can be renewed at $18/year, at your discretion. Coverage begins on the 15^e day of the child's life (or on the date the insurer receives the application, if later) and can also be requested before birth, from 32 weeks of pregnancy.

Coverage included	Amount	Duration
Natural death	2 500 $	Up to age 25
Accidental death	10 000 $	Lifetime
Accidental dismemberment	Up to $50,000	Lifetime
Accidental fracture	Up to $250	Lifetime
Reimbursement of certain medical expenses	Up to $1,500	Lifetime

Coverage for dismemberment, accidental fracture and accidental death applies to the child's injuries and accidents. Amounts and conditions as published by UV Assurance (L'Éveil program) — subject to the exact terms of the contract.

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Why get insurance when you have children

Four protections, four reasons to sleep soundly

Life

Replaces lost income, pays the mortgage, funds education. For parents first, and for the child to guarantee their insurability.

Life quote

Critical illness

A lump sum paid on diagnosis of a covered illness, for the parent or the child. Some contracts cover illnesses specific to childhood.

Critical illness quote

Accident

Benefits for injury, fracture, hospitalization or dismemberment, in addition to the RAMQ and, for road accidents, the SAAQ.

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Health

Dental, orthodontics, vision, psychologist, physiotherapy: individual health insurance fills the gaps public plans don't pay for.

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Financial services for children

Everything available for your child, in one place

Protection, savings, government assistance: here are all the tools. I help you choose the ones that really matter for your family.

L'Éveil (UV Assurance)

Free coverage the first year for children aged 0 to 36 months, then $18 per year, no commitment.

Enrol

Parents' term life insurance

The most affordable protection for the years when your children depend on you.

Quote

Whole or universal life for the child

Low premium locked in early, cash value, guaranteed insurability option.

Quote

Critical illness for children

A lump sum on diagnosis; some options refund premiums if no claim is made.

Quote

Parents' disability insurance

Replaces part of your income if illness or an accident prevents you from working.

Quote

Individual health and dental insurance

For families without group insurance, or to complement an existing plan.

Learn more

RESP

Federal (CESG) and Québec (QESI) grants, plus the Canada Learning Bond for eligible families, up to $2,000 with no contribution.

Calculer

RDSP

For a child eligible for the disability tax credit: grants and bonds up to $90,000 lifetime.

Check

Family savings (TFSA)

A tax-sheltered emergency fund, accessible at any time, in the parent's name.

Savings quote

Government assistance

Family allowance (Retraite Québec), Canada Child Benefit and Child Disability Benefit: make sure you receive everything.

Take stock with Jean

At every stage

The right move at the right age

PregnancyReview the parents' life and disability insurance; plan the will and guardian.

Birth to age 3Enrol baby in L'Éveil; open the RESP to receive grants from the first year.

Ages 4 to 12Consider life or critical illness insurance for the child while premiums are low; the RAMQ covers certain dental care only before age 10.

Ages 13 to 17Catch up on unused RESP grants; check health and dental insurance (orthodontics).

18 and olderTransfer the policy to the child; use the RESP for studies; think about the TFSA and FHSA.

Take stock in 60 seconds

The test shows you what is in place and what is missing. No financial information required.

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General information. Coverages, premiums and conditions vary by insurer and contract. Government program amounts according to the rules in effect in 2026.

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This test is an educational awareness tool. It is not personalized financial advice — no rate, premium or return is calculated here. A complete needs analysis with an advisor is required before any recommendation.

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