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RRIF Insurance

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Sometimes the Government can strike without warning.

You may have a substantial tax liability growing and not even know it.

Here's the problem... Registered Retirement Savings Plans (RRSP's), Registered Retirement Income Funds (RRIF's) and other registered plans are a main source of retirement income for many Canadians. But what happens to your registered funds when you die?

Registered funds can be passed to your spouse tax-free when you die. If you pass these funds to someone else, this will not occur tax-free. The Canada Revenue Agency (CRA) will include in your income the value of your registered funds at death. This means that a significant portion will be lost to tax - certainly a negative impact on the size of your estate.

What are your options? There are a number of different ways to ensure that sufficient funds are available to pay this future tax liability. These include:

  1. Setting aside money today
  2. Having the executor of your estate borrow the funds required
  3. Liquidating some of your registered funds
  4. Purchasing a permanent life insurance policy

Which is the best alternative? Permanent life insurance ensures that funds are available to pay the tax liability. It also helps preserve your estate, maximizing the benefits to your heirs.

By planning today, insurance lowers the cost of solving this problem in the future.

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