{"id":27357,"date":"2025-07-02T09:39:12","date_gmt":"2025-07-02T13:39:12","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/?page_id=27357"},"modified":"2025-09-10T10:11:57","modified_gmt":"2025-09-10T14:11:57","slug":"group-annuity","status":"publish","type":"page","link":"https:\/\/www.rbcinsurance.com\/en-ca\/group-annuity\/","title":{"rendered":"Group Annuity"},"content":{"rendered":"\n<p><\/p>\n\n\n<div class=\"yoast-breadcrumbs\"><span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span> &gt; <span class=\"breadcrumb_last\" aria-current=\"page\">Group Annuity<\/span><\/span><\/div>\n\n\n<div class=\"wp-block-rbc-banner banner  mar-t-0 mob-mar-t-0 is-style-default default\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns banner__cols is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column banner__col-left is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group banner__cta is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-hero-card heroCard banner__cta1 default is-style-default\" style=\"background-color:#006AC3\"><div class=\"heroCard__container\"><h1>RBC Insurance\u00a0Group Annuity\u2014<mark style=\"background-color:rgba(0, 0, 0, 0);color:#FEDF01\" class=\"has-inline-color\">A defined benefit de-risking solution<\/mark><\/h1><p class=\"rbc-override-margin p-large\">For pension plan sponsors and their members.<\/p><\/div><div class=\"heroCard__cta\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div><\/div><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column banner__col-right is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"688\" height=\"688\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/06\/annuity-hero-image.webp?quality=80\" alt=\"Elderly couple smiling and embracing each other happy with their group annuity decision\" class=\"wp-image-27709\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/06\/annuity-hero-image.webp 688w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/06\/annuity-hero-image.webp?resize=150,150 150w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/06\/annuity-hero-image.webp?resize=300,300 300w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/06\/annuity-hero-image.webp?resize=412,412 412w\" sizes=\"auto, (max-width: 412px) 412px, (max-width: 768px) 768px, 847px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-selection-panel-wrapper menuItems__dropdown selectionPanelWrapper  row mar-t-dbl mob-mar-t-dbl\"><div class=\"selectionPanelWrapper__header\"><h2>Reduce risk and give your employees security<\/h2><p class=\"p-large\"><span class=\"partial__border-bottom\">If you\u2019re looking for new ways to manage your Defined Benefit pension plan\u2014ways that can help you reduce risks and provide your employees with security during retirement\u2014an RBC Insurance\u00a0Group Annuity can help.<\/span><\/p><\/div><div class=\"selectionPanelWrapper__content\"><div class=\"selectionPanelWrapper__content-left\">\n<div class=\"selectDropdown__wrapper\">\n\t<div class=\"selectDropdown selectDropdown__default  selectDropdown__floating \" \t\tdata-option_name=\"\" style=\"width:100%\">\n\t\t\t\t<button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\">\n\t\t\t<span class=\"selectDropdown__title\" data-default_title=\"Plan Sponsor or Consultant\">\n\t\t\t\tPlan Sponsor or Consultant\t\t\t<\/span>\n\t\t\t<span class=\"selectDropdown__chevron\"><\/span>\n\t\t<\/button>\n\t\t<ul class=\"selectDropdown__list\" role=\"listbox\" tabindex=\"-1\">\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item selected\"\n\t\t\t\t\tdata-option_value=\"0\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tPlan Sponsor or Consultant\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"1\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tAnnuitant\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t<\/div>\n<div class=\"selectionPanelWrapper__menuItems\"><div class=\"selectionPanelWrapper__menuItem\" tabindex=\"0\">Plan Sponsor or Consultant<\/div><div class=\"selectionPanelWrapper__menuItem\" tabindex=\"0\">Annuitant<\/div><\/div><\/div><div class=\"selectionPanelWrapper__content-right\">\n<div class=\"wp-block-rbc-selection-panel selectionPanel\"><div class=\"selectionPanel__content\">\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout2\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__header is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-plan-sponsor-or-consultant\"><span class=\"partial__border-bottom\">Plan sponsor or consultant<\/span><\/h2>\n\n\n\n<p class=\"p-large\"><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#EDF7FC\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-information-for-plan-sponsors-consultants-and-brokers\">Information for plan sponsors, consultants and brokers<\/h4>\n<\/div>\n\n\n\n<p>A Group Annuity from RBC Insurance can help Defined Benefit pension plan sponsors better manage and control risk while meeting the retirement promises made to their employees.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-key-benefits-for-plan-sponsors\">Key benefits for plan sponsors<\/h4>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-black-disc\">\n<li class=\"mar-l-hlf mob-mar-l-hlf\">Limit the impact of volatility on your organization\u2019s bottom line<\/li>\n\n\n\n<li class=\"mar-l-hlf mob-mar-l-hlf\">Transfer the inherent risk of the pension promises to RBC Insurance<\/li>\n\n\n\n<li class=\"mar-l-hlf mob-mar-l-hlf\">Ensure that retirees\u2019 retirement benefits are secure<\/li>\n\n\n\n<li class=\"mar-l-hlf mob-mar-l-hlf\">Focus on your core business<\/li>\n\n\n\n<li class=\"mar-l-hlf mob-mar-l-hlf\">Meet your corporate responsibility<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard  isHighlighted\" style=\"--icon-url:url(undefined);background-color:#006AC3\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-transfer-risk-and-meet-retirement-promises\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#FEDF01\" class=\"has-inline-color\">Transfer risk and meet retirement promises<\/mark><\/strong><\/h4>\n<\/div>\n\n\n\n<p>Benefit from a Group Annuity from RBC Insurance.<\/p>\n<\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/03\/TypeIdea-DeviceDesktop-Full.svg?quality=80&amp;w=1024\" alt=\"\" class=\"wp-image-24322\"\/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-selection-panel selectionPanel\"><div class=\"selectionPanel__content\">\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout1\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__header is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-annuitant\"><span class=\"partial__border-bottom\">Annuitant<\/span><\/h2>\n\n\n\n<p class=\"p-large\"><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#EDF7FC\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-resources-for-annuitants\">Resources for annuitants<\/h4>\n<\/div>\n\n\n\n<p>If your pension plan has been transferred to an RBC Insurance Group Annuity, you can feel confident that your pension will be managed and paid according to the details set out in your original plan.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-help-keep-us-up-to-date\">Help keep us up-to-date<\/h4>\n<\/div>\n\n\n\n<p>To help us give you great service, please let us know of any life events or changes to your personal information.<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-black-disc\">\n<li class=\"mar-l-hlf mob-mar-l-hlf\">Moving to a new address<\/li>\n\n\n\n<li class=\"mar-l-hlf mob-mar-l-hlf\">Changing the account where your pension is deposited<\/li>\n\n\n\n<li class=\"mar-l-hlf mob-mar-l-hlf\">Changing beneficiary information<\/li>\n\n\n\n<li class=\"mar-l-hlf mob-mar-l-hlf\">Death of a spouse or beneficiary<\/li>\n\n\n\n<li class=\"mar-l-hlf mob-mar-l-hlf\">Changes in marital status (separation\/divorce)<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-faq-wrapper menuItems__dropdown faqWrapper  mar-t-dbl mob-mar-t-dbl\"><div class=\"faqWrapper__header\"><h2>Group Annuity FAQs<\/h2><p class=\"p-large\"><span class=\"partial__border-bottom\">If you don\u2019t find the answer you\u2019re looking for, please call us at 1-888-769-2594 or send us an <a href=\"https:\/\/www.rbcinsurance.com\/cgi-bin\/contact_us.cgi?form=group_annuity#\" data-dig-id=\"LP-27357-d030dd97\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"e-mail\" class=\"rbc-link-format\">e-mail<\/a>.<\/span><\/p><\/div><div class=\"faqWrapper__content\"><div class=\"faqWrapper__content-left\">\n<div class=\"selectDropdown__wrapper\">\n\t<div class=\"selectDropdown selectDropdown__default  selectDropdown__floating \" \t\tdata-option_name=\"\" style=\"width:100%\">\n\t\t\t\t<button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\">\n\t\t\t<span class=\"selectDropdown__title\" data-default_title=\"General\">\n\t\t\t\tGeneral\t\t\t<\/span>\n\t\t\t<span class=\"selectDropdown__chevron\"><\/span>\n\t\t<\/button>\n\t\t<ul class=\"selectDropdown__list\" role=\"listbox\" tabindex=\"-1\">\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item selected\"\n\t\t\t\t\tdata-option_value=\"0\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tGeneral\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"1\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tAbout RBC Insurance\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"2\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tPension payments\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"3\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tLife events and changes\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"4\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tSupport and assistance\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t<\/div>\n<div class=\"faqWrapper__menuItems\"><div class=\"faqWrapper__menuItem\" tabindex=\"0\">General<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">About RBC Insurance<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Pension payments<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Life events and changes<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Support and assistance<\/div><\/div><\/div><div class=\"faqWrapper__content-right\">\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>General<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlelqzog5ck\" class=\"collapse-toggle collapsed\" data-target=\"#accordionlqzog5ck\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27357-132e6b24\" aria-controls=\"accordionlqzog5ck\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What is a group annuity?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What is a group annuity?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionlqzog5ck\" role=\"region\" aria-labelledby=\"accordion-titlelqzog5ck\"><div class=\"collapse-inner\">\n<p>An Annuity provides you with a guaranteed income stream for life on the same terms as your pension plan.<\/p>\n\n\n\n<p>A Group Annuity is a solution offered to Defined Benefit pension plan sponsors who wish to remove some of the financial risk associated with pension plans. Your plan sponsor has transferred that risk to RBC Insurance by purchasing a Group Annuity. What it means to you, as a pension plan member, is that RBC Insurance now has the legal responsibility to pay your pension entitlement.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title1vei7gcp\" class=\"collapse-toggle collapsed\" data-target=\"#accordion1vei7gcp\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27357-a03b86b1\" aria-controls=\"accordion1vei7gcp\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Why did my plan sponsor make this change?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Why did my plan sponsor make this change?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion1vei7gcp\" role=\"region\" aria-labelledby=\"accordion-title1vei7gcp\"><div class=\"collapse-inner\">\n<p>There is a financial risk associated with managing Defined Benefit pension plans. Your plan sponsor decided to transfer that risk to RBC Insurance to better control risk in its organization, and to meet the pension needs of its members.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlew2mvx1bz\" class=\"collapse-toggle collapsed\" data-target=\"#accordionw2mvx1bz\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27357-ff174397\" aria-controls=\"accordionw2mvx1bz\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"I\u2019m not an RBC client. Is there anything I need to do?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>I\u2019m not an RBC client. Is there anything I need to do?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionw2mvx1bz\" role=\"region\" aria-labelledby=\"accordion-titlew2mvx1bz\"><div class=\"collapse-inner\">\n<p>Your pension plan banking information has been automatically transferred to RBC Insurance and no action is required on your part. You do not need to have any prior relationship with RBC or RBC Insurance to confirm, update or receive your pension entitlement.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title3qqy8qpl\" class=\"collapse-toggle collapsed\" data-target=\"#accordion3qqy8qpl\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27357-d99f6aa2\" aria-controls=\"accordion3qqy8qpl\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Will I have to sign a new contract with RBC Insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Will I have to sign a new contract with RBC Insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion3qqy8qpl\" role=\"region\" aria-labelledby=\"accordion-title3qqy8qpl\"><div class=\"collapse-inner\">\n<p>The welcome letter you received includes your RBC Insurance Group Annuity Certificate, outlining the details of your pension. If all information was correct, no action is required on your part. If you need to make a change, please contact the RBC Insurance Group Annuity Centre at&nbsp;1-888-769-2594. We are open Monday \u2013 Friday, 8am to 8pm (ET).<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleaeb8sfj2\" class=\"collapse-toggle collapsed\" data-target=\"#accordionaeb8sfj2\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27357-0157ecdf\" aria-controls=\"accordionaeb8sfj2\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"I like the service of my current plan sponsor. Can I remain with them?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>I like the service of my current plan sponsor. Can I remain with them?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionaeb8sfj2\" role=\"region\" aria-labelledby=\"accordion-titleaeb8sfj2\"><div class=\"collapse-inner\">\n<p>Your pension plan sponsor decided to transfer their pension plan to RBC Insurance to better handle and control the financial risks associated with Defined Benefit pension plans. Rest assured that client experience is important to us, and we will work hard to ensure you are satisfied with the service and support you receive from us.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlehhqxyu2y\" class=\"collapse-toggle collapsed\" data-target=\"#accordionhhqxyu2y\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27357-b027fd8a\" aria-controls=\"accordionhhqxyu2y\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Will I receive the same level of expertise from RBC Insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Will I receive the same level of expertise from RBC Insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionhhqxyu2y\" role=\"region\" aria-labelledby=\"accordion-titlehhqxyu2y\"><div class=\"collapse-inner\">\n<p>As an insurance company, RBC Insurance has a long history of working with investments and longevity that affect both the Life and Annuity business. Our continued growth and financial strength is a tribute to how we manage and control our financial and longevity risks.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleighcpizi\" class=\"collapse-toggle collapsed\" data-target=\"#accordionighcpizi\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27357-64245b96\" aria-controls=\"accordionighcpizi\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Do I have the option to move to a different insurer?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Do I have the option to move to a different insurer?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionighcpizi\" role=\"region\" aria-labelledby=\"accordion-titleighcpizi\"><div class=\"collapse-inner\">\n<p>Client experience is very important to us and we will work hard to ensure you are satisfied with our service. You cannot elect to withdraw your pension entitlements unless permitted by your pension plan or legislation in your province. If you would like to learn more, please contact the RBC Insurance Group Annuity Centre at&nbsp;1-888-769-2594. We are open Monday \u2013 Friday, 8am to 8pm (ET).<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title9yl52ovj\" class=\"collapse-toggle collapsed\" data-target=\"#accordion9yl52ovj\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27357-b372ff42\" aria-controls=\"accordion9yl52ovj\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Is there any additional cost for this change?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Is there any additional cost for this change?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion9yl52ovj\" role=\"region\" aria-labelledby=\"accordion-title9yl52ovj\"><div class=\"collapse-inner\">\n<p>There will be no additional cost associated with this change.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleba5tbbhf\" class=\"collapse-toggle collapsed\" data-target=\"#accordionba5tbbhf\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27357-b46659a4\" aria-controls=\"accordionba5tbbhf\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How can I confirm my beneficiary information?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How can I confirm my beneficiary information?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionba5tbbhf\" role=\"region\" aria-labelledby=\"accordion-titleba5tbbhf\"><div class=\"collapse-inner\">\n<p>Your beneficiary information has been communicated to RBC Insurance as referenced in your welcome letter. If this information is inaccurate, please contact the RBC Insurance Group Annuity Centre at&nbsp;1-888-769-2594&nbsp;to inform us of any changes you may have. We are open Monday \u2013 Friday, 8am to 8pm (ET).<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlez51xdey3\" class=\"collapse-toggle collapsed\" data-target=\"#accordionz51xdey3\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27357-229fefab\" aria-controls=\"accordionz51xdey3\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Do I have to change my bank account?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Do I have to change my bank account?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionz51xdey3\" role=\"region\" aria-labelledby=\"accordion-titlez51xdey3\"><div class=\"collapse-inner\">\n<p>Your pension plan banking information has been automatically transferred to RBC Insurance, and no action is required on your part.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title6d7tca69\" class=\"collapse-toggle collapsed\" data-target=\"#accordion6d7tca69\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27357-0d36cc30\" aria-controls=\"accordion6d7tca69\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I confirm or update my banking information?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I confirm or update my banking information?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion6d7tca69\" role=\"region\" aria-labelledby=\"accordion-title6d7tca69\"><div class=\"collapse-inner\">\n<p>To confirm or update your banking information, please contact the RBC Insurance Group Annuity Centre at&nbsp;1-888-769-2594. We are open Monday \u2013 Friday, 8am to 8pm (ET).<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlemj7ox4x3\" class=\"collapse-toggle collapsed\" data-target=\"#accordionmj7ox4x3\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27357-ab32427c\" aria-controls=\"accordionmj7ox4x3\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What will happen to the tax forms that I completed?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What will happen to the tax forms that I completed?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionmj7ox4x3\" role=\"region\" aria-labelledby=\"accordion-titlemj7ox4x3\"><div class=\"collapse-inner\">\n<p>Your pension plan information has been automatically transferred to RBC Insurance, and no action is required on your part. We will continue to use the latest tax form you have completed.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>About RBC Insurance<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlemn1il7o3\" class=\"collapse-toggle collapsed\" data-target=\"#accordionmn1il7o3\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27357-0e747506\" aria-controls=\"accordionmn1il7o3\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Are there any additional benefits that come with RBC Insurance providing my annuity?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Are there any additional benefits that come with RBC Insurance providing my annuity?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionmn1il7o3\" role=\"region\" aria-labelledby=\"accordion-titlemn1il7o3\"><div class=\"collapse-inner\">\n<p>We are committed to the secure and effective management of your pension. We are also dedicated to providing you with the best client experience possible. You can feel confident that RBC Insurance will provide you with exceptional support and service at all times.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlew6gu601w\" class=\"collapse-toggle collapsed\" data-target=\"#accordionw6gu601w\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27357-3c3375c8\" aria-controls=\"accordionw6gu601w\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Is my pension safe with RBC?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Is my pension safe with RBC?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionw6gu601w\" role=\"region\" aria-labelledby=\"accordion-titlew6gu601w\"><div class=\"collapse-inner\">\n<p>RBC has a long history of managing longevity and investment risks in order to provide security to its pension clients. We are a well-established company with a strong credit rating and backup measures in place to ensure your pension is safe with us.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titley3sbb44m\" class=\"collapse-toggle collapsed\" data-target=\"#accordiony3sbb44m\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27357-97317a22\" aria-controls=\"accordiony3sbb44m\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Can RBC go bankrupt?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Can RBC go bankrupt?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiony3sbb44m\" role=\"region\" aria-labelledby=\"accordion-titley3sbb44m\"><div class=\"collapse-inner\">\n<p>RBC Life Insurance Company is wholly owned by the Royal Bank of Canada. Royal Bank of Canada is one of the largest banks in the world, based on market capitalization. We have a history that stretches back over 150 years and we provide a range of products and services on a global basis. We have a very strong credit rating and our Group Annuity comes with Assuris coverage. Assuris protects Canadian policyholders in the unlikely event of bankruptcy by their insurance company. That means your income is 100% protected up to $5,000 per month; if your income exceeds $5,000 per month, the protection is limited to 90%.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Pension payments<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlefh4azk6d\" class=\"collapse-toggle collapsed\" data-target=\"#accordionfh4azk6d\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27357-51e7cb80\" aria-controls=\"accordionfh4azk6d\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Will this change affect the end date of my pension?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Will this change affect the end date of my pension?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionfh4azk6d\" role=\"region\" aria-labelledby=\"accordion-titlefh4azk6d\"><div class=\"collapse-inner\">\n<p>Your pension plan contract and the selections that you made will continue to be in place with RBC Insurance. The life of the annuity and the end date of your pension will remain the same.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleivc8l21b\" class=\"collapse-toggle collapsed\" data-target=\"#accordionivc8l21b\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27357-d677d625\" aria-controls=\"accordionivc8l21b\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Will this change the amount of retirement income I was guaranteed when I purchased the annuity?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Will this change the amount of retirement income I was guaranteed when I purchased the annuity?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionivc8l21b\" role=\"region\" aria-labelledby=\"accordion-titleivc8l21b\"><div class=\"collapse-inner\">\n<p>Your pension plan contract will remain the same. There will be no changes to your retirement income.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlexhnaitck\" class=\"collapse-toggle collapsed\" data-target=\"#accordionxhnaitck\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27357-9ae167bc\" aria-controls=\"accordionxhnaitck\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Will this change the type of annuity that I selected at the time of my retirement?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Will this change the type of annuity that I selected at the time of my retirement?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionxhnaitck\" role=\"region\" aria-labelledby=\"accordion-titlexhnaitck\"><div class=\"collapse-inner\">\n<p>The selections that you made regarding the form of your pension payment will continue to be in place with RBC Insurance.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlerx5se0qq\" class=\"collapse-toggle collapsed\" data-target=\"#accordionrx5se0qq\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27357-de2e2b99\" aria-controls=\"accordionrx5se0qq\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"When will I receive my pay statement?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>When will I receive my pay statement?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionrx5se0qq\" role=\"region\" aria-labelledby=\"accordion-titlerx5se0qq\"><div class=\"collapse-inner\">\n<p>You will receive an annual notification from RBC Investor Services. And, any time there is a change to your net payment, you will receive a notification in the mail.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleeiq1xti4\" class=\"collapse-toggle collapsed\" data-target=\"#accordioneiq1xti4\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27357-660b7b49\" aria-controls=\"accordioneiq1xti4\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Is my pension payment going to change as I get older?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Is my pension payment going to change as I get older?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordioneiq1xti4\" role=\"region\" aria-labelledby=\"accordion-titleeiq1xti4\"><div class=\"collapse-inner\">\n<p>The amount of income you receive over time is based on what you originally chose in your plan.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title0j9mw73f\" class=\"collapse-toggle collapsed\" data-target=\"#accordion0j9mw73f\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27357-1cd58b07\" aria-controls=\"accordion0j9mw73f\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Will there be a change to my net payment?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Will there be a change to my net payment?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion0j9mw73f\" role=\"region\" aria-labelledby=\"accordion-title0j9mw73f\"><div class=\"collapse-inner\">\n<p>Your net amount should remain the same, provided we have received all the current tax forms from your previous pension provider and there has been no change to your tax situation.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title28uwo4d9\" class=\"collapse-toggle collapsed\" data-target=\"#accordion28uwo4d9\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27357-80d98d0c\" aria-controls=\"accordion28uwo4d9\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"On which day will I get paid?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>On which day will I get paid?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion28uwo4d9\" role=\"region\" aria-labelledby=\"accordion-title28uwo4d9\"><div class=\"collapse-inner\">\n<p>Your payment date will not change from when you were previously receiving your payment from your pension plan.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlehsuqq3ab\" class=\"collapse-toggle collapsed\" data-target=\"#accordionhsuqq3ab\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27357-18196ef3\" aria-controls=\"accordionhsuqq3ab\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Can I still receive a cheque\/EFT?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Can I still receive a cheque\/EFT?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionhsuqq3ab\" role=\"region\" aria-labelledby=\"accordion-titlehsuqq3ab\"><div class=\"collapse-inner\">\n<p>Your payment method will not change. As with your pension plan, you will receive an electronic fund transfer (EFT) or cheque depending on what you selected under your pension plan.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleed73yymc\" class=\"collapse-toggle collapsed\" data-target=\"#accordioned73yymc\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27357-93ce272e\" aria-controls=\"accordioned73yymc\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"I am eligible to start collecting pension payments; can I elect to receive my annuity prior to my Normal Retirement Date?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>I am eligible to start collecting pension payments; can I elect to receive my annuity prior to my Normal Retirement Date?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordioned73yymc\" role=\"region\" aria-labelledby=\"accordion-titleed73yymc\"><div class=\"collapse-inner\">\n<p>You can elect to receive your annuity any time after your Early Retirement Date. Depending on the provisions of your pension plan, the annuity payable on or after your Early Retirement Date, but before your Earliest Unreduced Retirement Date, if applicable, may need to be reduced to account for the fact that you are expected to receive the annuity payments for a longer period of time.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titletuu0wfvo\" class=\"collapse-toggle collapsed\" data-target=\"#accordiontuu0wfvo\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27357-9be40888\" aria-controls=\"accordiontuu0wfvo\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"When will my annuity payments stop?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>When will my annuity payments stop?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiontuu0wfvo\" role=\"region\" aria-labelledby=\"accordion-titletuu0wfvo\"><div class=\"collapse-inner\">\n<p>Annuities are paid in different forms. Your annuity will be payable according to the form indicated in your Group Annuity Certificate.&nbsp; Generally speaking,<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>A life annuity provides monthly payments to you for your lifetime.&nbsp; Payments stop when you die.<\/li>\n\n\n\n<li>A life annuity with a guarantee (such as 5, 10, 15 years) provides monthly payments to you for your lifetime with the added provision that if you do not receive at least the number of payments in the guarantee period during your lifetime, the remaining payments are made to your beneficiary.&nbsp; If you have received the guaranteed payments or more during your lifetime, then payments stop when you die.<\/li>\n\n\n\n<li>A joint &amp; survivor annuity provides monthly payments to you for your lifetime with the added provision that if your spouse is still alive when you die, your spouse will receive payments at the level you elect at retirement (such as 60%, 75%, 100%).&nbsp; Payments to your spouse stop when your spouse dies.&nbsp; If your spouse is not alive when you die, payments stop.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Life events and changes<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlerhcptpbz\" class=\"collapse-toggle collapsed\" data-target=\"#accordionrhcptpbz\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27357-12ca86db\" aria-controls=\"accordionrhcptpbz\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"I am moving outside of Canada. Will this affect my pension?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>I am moving outside of Canada. Will this affect my pension?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionrhcptpbz\" role=\"region\" aria-labelledby=\"accordion-titlerhcptpbz\"><div class=\"collapse-inner\">\n<p>Your move will not affect your pension, provided you inform us of any new changes to your address, bank accounts, or anything else that may have an impact on your pension entitlement. Please note direct deposit (EFT) can only be done for Canadian bank accounts. If you do not have a Canadian bank account, please contact the RBC Insurance Group Annuity Centre at&nbsp;1-888-769-2594&nbsp;to discuss payment options. We are open Monday \u2013 Friday, 8am to 8pm (ET).<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlewi4eg5sw\" class=\"collapse-toggle collapsed\" data-target=\"#accordionwi4eg5sw\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27357-10334dfb\" aria-controls=\"accordionwi4eg5sw\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"I informed my plan sponsor about my divorce. Do I need to advise RBC Insurance as well?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>I informed my plan sponsor about my divorce. Do I need to advise RBC Insurance as well?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionwi4eg5sw\" role=\"region\" aria-labelledby=\"accordion-titlewi4eg5sw\"><div class=\"collapse-inner\">\n<p>We would like to verify that your plan sponsor provided us with this information, as it may have an impact on your pension entitlement. Please call us at&nbsp;1-888-769-2594&nbsp;so we can confirm this information. We are open Monday \u2013 Friday, 8am to 8pm (ET).<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleknxfbeg2\" class=\"collapse-toggle collapsed\" data-target=\"#accordionknxfbeg2\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27357-577c8241\" aria-controls=\"accordionknxfbeg2\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Who do I call to make an address change?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Who do I call to make an address change?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionknxfbeg2\" role=\"region\" aria-labelledby=\"accordion-titleknxfbeg2\"><div class=\"collapse-inner\">\n<p>Please call the RBC Insurance Group Annuity Centre at&nbsp;1-888-769-2594. We are open Monday \u2013 Friday, 8am to 8pm (ET).<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title3q98622y\" class=\"collapse-toggle collapsed\" data-target=\"#accordion3q98622y\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27357-6f7e533a\" aria-controls=\"accordion3q98622y\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"If my spouse, partner or other beneficiary passes away, what do I need to do?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>If my spouse, partner or other beneficiary passes away, what do I need to do?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion3q98622y\" role=\"region\" aria-labelledby=\"accordion-title3q98622y\"><div class=\"collapse-inner\">\n<p>In the unfortunate event of the death of your spouse or other beneficiary, please call and notify the RBC Insurance Group Annuity Centre at&nbsp;1-888-769-2594. We are open Monday &#8211; Friday, 8am to 8pm (ET).<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlewc8yg7v4\" class=\"collapse-toggle collapsed\" data-target=\"#accordionwc8yg7v4\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27357-15b30455\" aria-controls=\"accordionwc8yg7v4\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Why is my spouse not listed as my beneficiary?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Why is my spouse not listed as my beneficiary?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionwc8yg7v4\" role=\"region\" aria-labelledby=\"accordion-titlewc8yg7v4\"><div class=\"collapse-inner\">\n<p>At the time of retirement, if you had elected to receive a Joint &amp; Survivor pension, this form of pension provides a monthly payments to you for your lifetime with the added provision that should you predecease your spouse, your spouse would receive payments at the level you had elected at retirement (such as 60%, 75%, 100%) for their remaining lifetime. Since the form of pension automatically entitles your spouse to benefits there is no need to state a beneficiary in this situation. Note that your beneficiary information has been communicated to RBC Insurance as referenced in your welcome letter.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlepvqtexcs\" class=\"collapse-toggle collapsed\" data-target=\"#accordionpvqtexcs\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27357-397dc04c\" aria-controls=\"accordionpvqtexcs\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What happens to my pension\/annuity in the event of my death?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What happens to my pension\/annuity in the event of my death?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionpvqtexcs\" role=\"region\" aria-labelledby=\"accordion-titlepvqtexcs\"><div class=\"collapse-inner\">\n<p>In the event of your death, your pension entitlements will follow the terms outlined in your plan and that you elected when you retired. Your pension will either end, or payments will continue to your spouse or beneficiaries, depending on how you originally set up your plan.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Support and assistance<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlex162o3o1\" class=\"collapse-toggle collapsed\" data-target=\"#accordionx162o3o1\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27357-50ceb1ea\" aria-controls=\"accordionx162o3o1\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How will RBC Insurance communicate with me?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How will RBC Insurance communicate with me?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionx162o3o1\" role=\"region\" aria-labelledby=\"accordion-titlex162o3o1\"><div class=\"collapse-inner\">\n<p>Whenever your net pension amount changes, RBC Investor Services will notify you by mail.<\/p>\n\n\n\n<p>You can reach us as follows:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Call&nbsp;1-888-769-2594, Monday &#8211; Friday, 8am to 8pm (ET)<\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcinsurance.com\/cgi-bin\/contact_us.cgi?form=group_annuity\" data-dig-id=\"LP-27357-0ba274eb\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Send us an e-mail\" class=\"rbc-link-format\">Send us an e-mail<\/a><\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title3hwrc7u9\" class=\"collapse-toggle collapsed\" data-target=\"#accordion3hwrc7u9\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27357-e580a1e2\" aria-controls=\"accordion3hwrc7u9\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Is there any additional support for future inquiries I might have?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Is there any additional support for future inquiries I might have?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion3hwrc7u9\" role=\"region\" aria-labelledby=\"accordion-title3hwrc7u9\"><div class=\"collapse-inner\">\n<p>RBC Insurance is dedicated to providing you with the best client experience possible. Should you have any questions regarding your pension, please contact the RBC Insurance Group Annuity Centre at&nbsp;1-888-769-2594. We are open Monday \u2013 Friday, 8am to 8pm (ET).<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titletk8ai1fx\" class=\"collapse-toggle collapsed\" data-target=\"#accordiontk8ai1fx\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27357-7074c4df\" aria-controls=\"accordiontk8ai1fx\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Can I sit down with someone to go over the changes?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Can I sit down with someone to go over the changes?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiontk8ai1fx\" role=\"region\" aria-labelledby=\"accordion-titletk8ai1fx\"><div class=\"collapse-inner\">\n<p>If you have any questions about the changes to your pension plan or about RBC Insurance, we would be happy to talk to you. Please contact the RBC Insurance Group Annuity Centre at&nbsp;1-888-769-2594. We are open Monday \u2013 Friday, 8am to 8pm (ET).<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-testimonial-block testimonialBlock\"><div class=\"testimonialBlock__container\"><div class=\"testimonialBlock__content\"><h2 class=\"testimonialBlock__heading\">Reasons to love RBC Insurance<\/h2><div class=\"testimonialBlock__cards carousel-wpr\">\n<div class=\"wp-block-rbc-testimonial testimonial\">\n<div class=\"wp-block-group testimonial__content is-layout-flow wp-block-group-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized testimonial__brag_img\"><img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/06\/Group.svg\" alt=\"\" class=\"wp-image-27997\" style=\"width:312px\"\/><\/figure>\n\n\n\n<p class=\"has-text-align-center testimonial__title\">Strength, stability &amp; expertise<\/p>\n\n\n\n<p class=\"has-text-align-center testimonial__desc\">We have the&nbsp;strength, stability and expertise&nbsp;to fulfill the pension plan obligations of member pensions<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-testimonial testimonial\">\n<div class=\"wp-block-group testimonial__content is-layout-flow wp-block-group-is-layout-flow\">\n<figure class=\"wp-block-image size-large testimonial__brag_img\"><img loading=\"lazy\" decoding=\"async\" width=\"495\" height=\"343\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/03\/Group-Insurance-Employee.webp?quality=80&amp;w=495\" alt=\"Three employees covered by Group Benefits insurance\" class=\"wp-image-24084\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/03\/Group-Insurance-Employee.webp 495w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/03\/Group-Insurance-Employee.webp?resize=300,208 300w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/03\/Group-Insurance-Employee.webp?resize=412,285 412w\" sizes=\"auto, (max-width: 495px) 100vw, 495px\" \/><\/figure>\n\n\n\n<p class=\"has-text-align-center testimonial__title\">A brand you can trust<\/p>\n\n\n\n<p class=\"has-text-align-center testimonial__desc\">We&#8217;re one of Canada&#8217;s largest and most trusted companies and an institution whose history stretches back over 150 years.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-testimonial testimonial\">\n<div class=\"wp-block-group testimonial__content is-layout-flow wp-block-group-is-layout-flow\">\n<figure class=\"wp-block-image size-large testimonial__brag_img\"><img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/03\/Callout-Card-Illustration.svg?quality=80&amp;w=1024\" alt=\"\" class=\"wp-image-24189\"\/><\/figure>\n\n\n\n<p class=\"has-text-align-center testimonial__title\">Ranked #1 by Kantar BrandZ<\/p>\n\n\n\n<p class=\"has-text-align-center testimonial__desc\">RBC was ranked #1 in the 2023 Kantar BrandZ Most Valuable Canadian Brands for the 5th consecutive year.<\/p>\n<\/div>\n<\/div>\n<\/div><\/div><\/div><div class=\"testimonialBlock__sliderNav\"><div class=\"testimonialBlock__navArrow testimonialBlock__prevArrow\"><\/div><div class=\"testimonialBlock__sliderDots\"><\/div><div class=\"testimonialBlock__navArrow testimonialBlock__nextArrow\"><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__image  mar-b-dbl mob-mar-b-dbl\" style=\"background-color:#F7F8FA\">\n<div class=\"wp-block-columns cols is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column col-left is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-want-to-know-more\">Want to know more?<\/h2>\n\n\n\n<p class=\"rbc-override-margin p-large\">Contact us today about RBC Insurance Group Annuities.<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-buttons  get-your-free-quote is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-secondary secondary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/cgi-bin\/contact_us.cgi?form=group_annuity\" data-dig-id=\"LP-27357-0da3a589\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"E-mail us-https:\/\/www.rbcinsurance.com\/cgi-bin\/contact_us.cgi?form=group_annuity \">E-mail us<\/a><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-postal-code postal-code-form  postal-code\" data-custom-url=\"\"><div class=\"quote-form \"><div class=\"inputCode\"><label>Your postal code<\/label><input class=\"\" type=\"text\" value=\"\" placeholder=\"A1A 1A1\"\/><\/div><div class=\"inputCode\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-accent accent\"><a class=\"wp-block-button__link wp-element-button\" href=\"#\" data-dig-id=\"LP-27357-726d0144\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-# \">Get a quote<\/a><\/div>\n<\/div><\/div>\n<\/div><\/div><div class=\"error-msg\"><span class=\"error-msg-span\">Please provide a valid postal code in A1A 1A1 format.<\/span><\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column col-right is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"606\" height=\"573\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/06\/annuity-cta.webp?quality=80\" alt=\"Senior couple smiling and cooking together now that their annuities are secured\" class=\"wp-image-27711\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/06\/annuity-cta.webp 606w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/06\/annuity-cta.webp?resize=300,284 300w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/06\/annuity-cta.webp?resize=412,390 412w\" sizes=\"auto, (max-width: 606px) 100vw, 606px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":203,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"templates\/new-rbci-design.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-27357","page","type-page","status-publish","hentry"],"pp_force_visibility":null,"pp_subpost_visibility":null,"pp_inherited_force_visibility":null,"pp_inherited_subpost_visibility":null,"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Group Annuity Solution | RBC Insurance<\/title>\n<meta name=\"description\" content=\"An RBC Insurance Group Annuity is a Defined Benefit de-risking solution for pension plan sponsors and their members.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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