Frequently Asked Questions

You must be either a Canadian citizen or resident, over 16 years old and physically present to meet in person.

Since you don't need a physical building, you and one of our advisors will determine a deposit/contribution amount. A percentage of the first few deposits is used to set up and create your policy, which will be gained back, quickly putting you in the positive.

Credit score is irrelevant with this program. However, since you'll be joining a pool of funds with others, serious criminal offenders might not be approved. It doesn't hurt to apply though.

It takes 3 to 5 business days to set up your account, after an advisor submits your application. Once your banking system is set up, how much you access and in how long is solely dependent on your deposits.

Every dollar that goes through your own bank is protected from any creditors or legal judgements against you.