I have found this company to be very deciving in the way they sell thier plan. I am very shocked at the amount of misconception they put forward in a sales meeting. I'm grateful we put the extra time in and did some reasearch on RESP's. We went with one of their competitors who had a very similar plan but was more flexable in terms of the payout. Oh, by the way, this company attempts to convince people that the insurance they carry is a good thing - it is not. I'm an insurance agent, the insurance they provide is very expensive, and not a good deal at all. Make sure you have the option to opt out of the insurance, if they don't allow you to - don't take the plan!