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@Atlanta

it makes some subtle difference which sometimes means a lot

ralphboy(peridot)
if you buy anything from insurance company, it will be a kind of insurance products. Say RRSP for an intance, it is still considered to be an insurance product.

The major difference is that if you buy RRSP from insurance company, you can have creditor protection and up to 60k insurance protection from Canadian Life and Health Insurance Compensation Corporation(ComCorp). besides if the owner of RRSP die, the amount of RRSP will be directly passed on the beneficiary without waiting period(usually take very long time) and probation fee which is pretty high.
(#1012247@0)
Last Updated: 2003-1-30
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Replies, comments and Discussions:

  • 枫下家园 / 理财投资税务 / RRSP在银行买和保险公司买有什么不同 -john_xu(john_xu); 2003-1-23 (#995013@0)
    • products are different, even at same bank, your RRSP investment could be invested into different products. -fatboy(大胖墩儿厨); 2003-1-23 (#995058@0)
    • It dpesn't matter where you buy your RRSP. It depends on your risk tolerance... -airforce1(FeiFei); 2003-1-23 {248} (#995350@0)
      It's better to work out your financial situation, investment experience and investment skills before you make up your mind. It can go from GIC, money market fund, income fund to growth fund and high potential. Hope this will give you a rough idea.
    • it makes some subtle difference which sometimes means a lot -ralphboy(peridot); 2003-1-30 {565} (#1012247@0)
      if you buy anything from insurance company, it will be a kind of insurance products. Say RRSP for an intance, it is still considered to be an insurance product.

      The major difference is that if you buy RRSP from insurance company, you can have creditor protection and up to 60k insurance protection from Canadian Life and Health Insurance Compensation Corporation(ComCorp). besides if the owner of RRSP die, the amount of RRSP will be directly passed on the beneficiary without waiting period(usually take very long time) and probation fee which is pretty high.

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