The Student Advantage
Want advice on managing your financial future?
Dental school is an exciting time–filled with challenges and changes! As you work towards becoming a dentist, you can count on CDSPI for support now and throughout your career.
If there’s one thing you should know about CDSPI, it’s that we’re not like other financial services firms. Our purpose, structure and non-profit status truly sets us apart.
Find out what makes us unique.
No-Cost Insurance for Dental Students
Protecting yourself financially with the right insurance is important at every age and stage of your career–and this also applies to you as a dental student! CDSPI’s no-cost student insurance helps you protect what matters most while allowing you to kickstart your financial future.
Students (under 40)
Students (over 40)
Optional (with medical)
Start Saving with an RRSP and TFSA
Time Matters. Start Now.
With an RRSP and TFSA from CDSPI, you gain access to a wide range of leading funds with low management fees as well as investment advice from Certified Financial Planner® professionals at CDSPI Advisory Services Inc.
They work exclusively with dentists at every stage of their career and can make recommendations based on a unique understanding of your needs.
Registered Retirement Savings Plan (RRSP)
An RRSP can help you reduce your taxes while saving for the future. Your money grows faster since the growth is tax-deferred and you can deduct the amount contributed to your RRSP from your income, reducing your tax payable. You can also use your unused contribution room from previous years to contribute more to your RRSP when you are able.
Tax-Free Savings Account (TFSA)
A TFSA allows you to invest without paying tax on the growth. You’re able to make tax-free withdrawals whenever you want and can access unused contribution room dating back to 2009.
Explore the Tools
These calculators & resources can help you plan for your future:
Calculate how long it will take you to pay off your debt.
Estimate the future value of the investments in your TFSA, and compare this to a non-registered plan to see your overall estimated tax savings (from the Ontario Securities Commission).
Estimate how much your registered retirement savings plan (RRSP) will be worth at retirement and how much income it will provide each year (from the Ontario Securities Commission).
It's Important to Have a MAP—no-cost personal support 24/7/365
We understand that this can be a stressful time. That’s why CDSPI is pleased to sponsor the Members’ Assistance Program (MAP), providing access to important services such as short-term counselling, professional referrals, and a variety of resources to support your physical and mental well-being.
Start Investing as a Student
Looking for advice on how to manage debt and repay student loans?
Our advisory team specializes in helping students start off right.
Graduating Soon?
As a soon-to-be practicing dentist, your insurance needs are about to change. Get all the information you need to kickstart your financial future.
*Advisory services are provided by licensed advisors at CDSPI Advisory Services Inc. Restrictions may apply in certain jurisdictions.
No-cost coverage ends on December 31st of your graduation year. Coverage is available only to eligible full-time dental students who are enrolled at an accredited Canadian university at the time of application. Coverage in the Undergraduate Package starts on the date on which your properly completed application to enroll is received by CDSPI. The “Double-Up” Graduate Package automatically starts on your graduation date. The Optional Graduate Package coverage starts on the date of your graduation or the date your application is approved if later. After graduation, you will be sent a separate activation form for TripleGuard™ Insurance. No medical evidence is required to obtain TripleGuard™ Insurance. Student who are age 65 or over are not eligible for Life, Disability Insurance and AD&D coverage.
Students graduating in the year 2026 onwards, must be a member of the Canadian Dental Association or provincial or territorial dental association, which, at the relevant time, is a corporate member of the Canadian Dental Association, in order to be eligible for the premium reductions.
MAP is provided through Telus Health, the largest Canadian-based Employee and Family Assistance provider in the country.