Home  ›  Ilm Hub  ›  Answers  ›  What if I name my minor child as insurance b
Ilm Hub

What if I name my minor child as insurance beneficiary?

The proceeds may have to be paid into court until majority. Name a trustee for the child instead.

This is legal information only. For advice on your own circumstances, speak to a lawyer.

The proceeds may have to be paid into court until majority. Name a trustee for the child instead.

The Canadian position

The proceeds may have to be paid into court until majority. Name a trustee for the child instead.

Provincial law governs the detail, so confirm the position where the estate will be administered.

The Islamic position

The fixed shares apply to the net estate after funeral expenses, debts and any bequest capped at one third.

Where a Canadian instrument has no classical counterpart, treat it as a contemporary question for a qualified scholar.

Researched — the schools differ

Not at puberty. Surah an-Nisa 4:6 makes the handing over depend on two things — reaching marriageable age and being found to have rushd, sound judgement with money — and all four schools require both. They differ on what happens if the second never arrives: Abu Hanifa capped the wait at twenty-five years, the other schools (and the Hanafi position later given fatwa) withhold the property indefinitely. They also differ on what rushd means, on who declares it, and, in the Maliki school, on whether a daughter must also be married before she takes control.

All four Sunni schools researched and sourced. Reviewed 2026-09-01. Full positions, evidence and sources — When does a child get their inheritance outright?.

Related madhhab issue: Do life insurance proceeds enter the estate?.

Note

This is legal information only. For advice on your own circumstances, speak to a lawyer.

Citations & sources

Every factual claim on this page traces to a source below. Details change — check the original source before relying on any figure, fee or legal position. Anything under “further reading” is related material, not a source for what is stated here.

Canadian legislation & government
  1. Death of an RRSP annuitant — Canada Revenue Agency
  2. Death of a TFSA holder — Canada Revenue Agency
  3. What to do when someone has died — Canada Revenue Agency
  4. Substitute Decisions Act, 1992 — Government of Ontario
Further reading — Treadstone Law
  1. Estate trustee liability insurance paid from estate ontario — Treadstone Law
  2. Are life insurance proceeds taxable in canada — Treadstone Law
  3. Insurance trust ontario life insurance proceeds — Treadstone Law
  4. Trust for minor child ontario will — Treadstone Law
  5. Wills & estates practice — Treadstone Law