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What is an irrevocable beneficiary?

A designation that cannot be changed without the beneficiary's consent, sometimes required by a separation agreement.

Draft — pending review. This page has been prepared but has not yet been reviewed by a Canadian estates lawyer or a qualified scholar. Treat it as a starting point for questions, not as advice you should act on.

A designation that cannot be changed without the beneficiary's consent, sometimes required by a separation agreement.

The Canadian position

A designation that cannot be changed without the beneficiary's consent, sometimes required by a separation agreement.

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.

Across the madhahib

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.

Before you act on this

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.

Scholarly & institutional references
  1. Research Papers — Cambridge Muslim College
  2. Research — Cambridge Muslim College
  3. Academics — Islamic law and theology curriculum — Zaytuna College
  4. Encyclopaedia of Islam — Brill
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. Family Law Act, RSO 1990, c F.3 — Government of Ontario
Canadian legal commentary
  1. Naming minor as beneficiary ontario — Treadstone Law
  2. Life insurance in separation agreement ontario — Treadstone Law
  3. Convert part of rrsp to rrif keep rest — Treadstone Law
  4. Enforcing judgment against rrsp ontario — Treadstone Law
  5. Non resident beneficiary clearance certificate delay ontario — Treadstone Law
  6. Rrsp contribution deceased persons final return canada — Treadstone Law
  7. Wills & estates practice — Treadstone Law