As gifts go, permanent life insurance makes surprising sense. You lock in your child’s insurability—forever. And you set them up with an alternative asset class that can give them a head start.

More and more young Canadians rely on their families for help with tuition, debt repayment, even entry to the housing market. But what about those who are in it alone?

You foot the bills. But when it comes to your team’s pension, what exactly are you paying for? As it turns out, a lot.