| Companies / Plans | Universitas (1) | Heritage (2) |
CST (3) |
USC (4) |
CET (5) |
|
| Universitas | REFLEXTD | |||||
| Guaranteed refund of membership fees paid | 100% with refund of savings | 100% with refund of savings | 25%, 50% or 100% with Education Assistance Payments (EAP) based on the pay-out option chosen, to the discretionary of the Foundation. | Minimum 50% guaranteed, up to 100% refund paid with surplus funding. | Possibility of 100% with Educational Assistance Payments (EAP), to the discretionary of the Foundation. | Possibility of 100% with Educational Assistance Payments (EAP), to the discretionary of the Foundation. |
| Defer qualifying year of scholarships or of EAP | Until December 31st of 24th year | Until December 31st of 24th year | Up to the age of 21 | Up to the age of 21 | Up to the age of 22 | Up to the age of 22 |
| Possibility of transferring to an RRSP | No | Yes | Yes | Yes | Yes | Yes |
| Head Office | Quebec | Quebec | Ontario | Ontario | Ontario | Ontario |
| Actuarial Certificate | Yes | Yes | No | No | No | No |
| Transaction fees | None | None | Yes | Yes | Yes | Yes |
| Deposit fees | None | None | Yes | Yes | Yes | Yes |
| Changing beneficiary | Before 16 years of age | Before 21 years of age | Under 21 years of age for a younger beneficiairy (except if both benificiaries are under 15 years of age) | Under the age of 18, or to a sibling under the age of 21 | Up to maturity date or initial child less than 19 years old | Up to the age of 21 . Beneficiaries related by blood only. |
