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Registered & Non-Registered Funds Used To Buy An Annuity


For registered annuities:

• Registered Retirement Savings Plan (RRSP)

• Locked-in RSP (LRSP)

• Locked-in Retirement Account (LIRA)

• Registered Pension Plan (RPP)

• Deferred Profit Sharing Plan (DPSP)

• Registered Retirement Income Fund (RRIF)

• Life Income Fund (LIF)

• Locked-in Retirement Income Fund (LRIF)

• Prescribed Retirement Income Fund (PRIF)

For non-registered annuities:

• A non-registered annuity can be on a “prescribed” or “non-prescribed” taxation basis.

Because a prescribed annuity allows for the deferral of tax, taxation legislation has placed more restrictions on the terms and provisions of the policy.

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