Does not automatically end on death; a successor subscriber can be named in the will to keep the plan intact.
The Canadian position
Does not automatically end on death; a successor subscriber can be named in the will to keep the plan intact.
Whether an asset passes through the estate determines both the probate cost and who ultimately receives it.
The Islamic position
Naming a successor subscriber preserves the children's education funding rather than collapsing it into the estate.
The fixed shares apply only to the net estate. Anything passing outside it is never divided by faraid.
The four Sunni schools are not recorded as differing materially on this point in the sources reviewed. Where your own case turns on it, put it to a scholar of your school.
What to do about it
- Confirm how your RESP is currently held or designated.
- Decide deliberately whether it should follow the shares.
- Take tax advice before changing a designation.
- Re-check whenever the will changes.
General information, not legal or religious advice. Inheritance depends entirely on the exact family circumstances. Confirm the Canadian position with a lawyer in your province and any religious ruling with a qualified scholar.
Citations & sources
Every factual claim on this page traces to one of the references below. Legislation and dollar thresholds change — verify against the primary source before relying on any figure.
- Surah an-Nisa 4:11 — shares of children and parents — Quran.com
- Surah an-Nisa 4:12 — shares of spouses and uterine siblings — Quran.com
- Surah an-Nisa 4:176 — the kalalah verse — Quran.com
- Research Papers — Cambridge Muslim College
- Research — Cambridge Muslim College
- Academics — Islamic law and theology curriculum — Zaytuna College
- Encyclopaedia of Islam — Brill
- What to do when someone has died — Canada Revenue Agency
- What to do when someone has died — Canada Revenue Agency
- Income Tax Act, RSC 1985, c 1 (5th Supp) — Justice Laws Canada
- Tfsa day trading dollar threshold cra review — Treadstone Law
- Withholding tax inheritance non resident beneficiary ontario — Treadstone Law
- Do beneficiaries pay tax on inheritance canada — Treadstone Law
- Day trading inside tfsa business income risk ontario — Treadstone Law
- Beneficiary died before me ontario — Treadstone Law
- How cra finds out tfsa over contribution — Treadstone Law
- Wills & estates practice — Treadstone Law