{"id":7892,"date":"2026-05-12T13:41:10","date_gmt":"2026-05-12T17:41:10","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/2020\/04\/13\/everything-you-need-to-know-about-choosing-a-legal-guardian-for-your-child\/"},"modified":"2026-05-12T13:41:14","modified_gmt":"2026-05-12T17:41:14","slug":"consider-these-things-when-choosing-a-legal-guardian-for-your-child","status":"publish","type":"post","link":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/consider-these-things-when-choosing-a-legal-guardian-for-your-child","title":{"rendered":"How to Choose a Legal Guardian"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article articleSingle\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">How to Choose a Legal Guardian<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2026-05-12T13:41:10-04:00\">May 12, 2026<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">19 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Fiona-Campbell.webp?quality=80&w=1024\" alt=\"Fiona Campbell\">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\">Fiona Campbell<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\">Insurance Writer<\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/198410-father-son-thumbnail.jpg?quality=80&amp;w=930\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Father and son\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/198410-father-son-thumbnail.jpg 930w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/198410-father-son-thumbnail.jpg?resize=300,200 300w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/198410-father-son-thumbnail.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__container__main is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__page__nav is-layout-flow wp-block-group-is-layout-flow\">\t\t<div class=\"socials-block\">\n\t\t\t\t\t\t<p class=\"socials-block-title\">\n\t\t\tShare this article\t\t<\/p>\n\t\t<div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=How to Choose a Legal Guardian &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/consider-these-things-when-choosing-a-legal-guardian-for-your-child\" aria-label=\"Email\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tEmail\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/consider-these-things-when-choosing-a-legal-guardian-for-your-child\" aria-label=\"Copy URL\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopy URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n\n<div class=\"wp-block-rbc-tabs-list tabsList\" data-switch=\"lgBp\" data-target-heading=\"h2\"><p class=\"tabsList__heading\">On this page<\/p><div class=\"tabsList__wrapper\"><button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\"><span class=\"selectDropdown__title\">What is a legal guardian in Canada?<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-what-is-a-legal-guardian-in-canada\">What is a legal guardian in Canada?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-when-does-legal-guardianship-take-effect\">When does legal guardianship take effect?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-why-choosing-a-legal-guardian-matters\">Why choosing a legal guardian matters<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-to-consider-when-choosing-a-guardian\">What to consider when choosing a Guardian<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#block-9308f730-7d84-4a97-bb6f-c36027e4bf85\">Legal and practical considerations<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-how-will-my-child-be-supported-financially\">How will my child be supported financially?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-how-life-insurance-helps-support-your-child\">How life insurance helps support your child<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-steps-to-choosing-a-legal-guardian-in-canada\">Steps to choosing a legal guardian in Canada<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-happens-if-you-don-t-choose-a-legal-guardian\">What happens if you don\u2019t choose a legal guardian<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-rbc-life-insurance\">RBC Life Insurance<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<p>Thinking about your family\u2019s future without you is difficult, and choosing someone else to raise your children can feel like a nearly impossible task. While no parent wants to contemplate this, not appointing a legal guardian should you pass away can make a heartbreaking situation even more stressful for those left behind.<\/p>\n\n\n\n<p>While it may seem overwhelming to know where to start, taking the time to choose a legal guardian for your child is a crucial aspect of <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/retirement\/what-is-estate-planning\/\" data-dig-id=\"LP-LifeInsurance-37420-d8272b5f\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"estate planning\" class=\"rbc-link-format\">estate planning<\/a>. This article outlines the roles and responsibilities of a legal guardian, what to consider when choosing a person, and the role <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/\" data-dig-id=\"LP-LifeInsurance-37420-eaa90180\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"life insurance\" class=\"rbc-link-format\">life insurance<\/a> plays in securing your children&#8217;s financial future.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-legal-guardian-in-canada\">What is a legal guardian in Canada?<\/h2>\n\n\n\n<p>A legal guardian is the person or persons with the legal authority and responsibility to take care of minor children. Parents are a child\u2019s first legal guardians, and if one dies that responsibility typically passes to the surviving parent. However, if both parents die or become incapacitated, or there is no surviving parent, then a legal guardian must be decided. Preferably, one is appointed in the parent\u2019s will; otherwise, the courts will appoint a guardian.<\/p>\n\n\n\n<p>Read more: <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/how-to-write-a-will\/\" data-dig-id=\"LP-LifeInsurance-37420-106f4c35\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"What Canadians need to know about writing a will\" class=\"rbc-link-format\">What Canadians need to know about writing a will<\/a>.<\/p>\n\n\n\n<p>Once appointed, legal guardians possess the same legal rights and responsibilities as biological parents, including directing a child\u2019s education, consenting to medical treatments, fostering their religious upbringing and overseeing their general welfare.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-when-does-legal-guardianship-take-effect\">When does legal guardianship take effect?<\/h2>\n\n\n\n<p>If both parents die or become incapacitated, the individual named as legal guardian assumes immediate care. However, because guardianship falls under provincial jurisdiction (for example, Ontario\u2019s Children\u2019s Law Reform Act governs these appointments, while Alberta and B.C. follow their respective Family Law Acts), terminology and procedures vary depending on where you live. In Ontario, a testamentary guardianship appointment is valid for only 90 days, after which the guardian must apply to the court for a permanent order. In Alberta, you may appoint a testamentary guardian to act after death or a standby guardian to act during incapacitation. In Quebec, a named guardian is a \u201c<a href=\"https:\/\/www.quebec.ca\/en\/justice-and-civil-status\/legal-protection\/tutorship-property-minor\/persons-involved\/dative-tutor\" target=\"_blank\" data-dig-id=\"LP-LifeInsurance-37420-4685ec84\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"dative tutor\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">dative tutor<\/a>.\u201d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-choosing-a-legal-guardian-matters\">Why choosing a legal guardian matters<\/h2>\n\n\n\n<p>If you don\u2019t choose a legal guardian, the court will appoint one for you. While the courts try to decide the best person for the child, it may not be who you would have chosen. Here are some additional reasons why it matters:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Peace of mind:<\/strong> Choosing a legal guardian gives you the reassurance your children will be raised in accordance with your values and wishes if you die.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Stability and continuity for your children:<\/strong> The right guardian can put your kid\u2019s best interests at heart and make decisions that provide as much stability as possible during a difficult transition, such as staying at their school or playing on the same sports teams.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Avoid family disputes and court decisions:<\/strong> Grief may trigger family disputes over who is best suited to care for minor children. A clear legal directive prevents these emotional power struggles from taking place, and keeps the decision out of the courtroom.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Financial planning<\/strong><strong>:<\/strong> Besides the practical responsibility of being a guardian, raising minor children to adulthood carries a hefty price tag. Designating a guardian allows you to coordinate life insurance provisions to ensure your chosen representative has the necessary resources to support your children.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Consequences of not designating a guardian:<\/strong> If you don\u2019t appoint a legal guardian, the courts will make the decision for you, which could mean uprooting your children\u2019s lives significantly.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Also, keep in mind this is not a \u201cone-and-done\u201d decision. As circumstances change, you can update your choice of legal guardian.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-to-consider-when-choosing-a-guardian\">What to consider when choosing a Guardian<\/h2>\n\n\n\n<p>Choosing a guardian involves balancing emotional considerations, such as your hopes and dreams for your kids, with the practical realities of child rearing. To ensure your children are cared for by someone who is not just capable of the task, but is committed to supporting your hopes for your kids, consider the following:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Personal values and parenting philosophy<\/h3>\n\n\n\n<p>As you know, raising a child is about much more than providing the necessities of life. When evaluating a potential guardian, look for these qualities:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Shared values on education, parenting and<\/strong><strong> religion:<\/strong> Consider how a guardian would address discipline, academics, or your child\u2019s spiritual growth. Are they strict but encouraging, do they value effort over marks? Are they willing to support your children\u2019s religious practices, especially if they are different from their own?<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Cultural and language considerations:<\/strong> If maintaining a connection to a specific heritage or language is a priority, consider an appointee who will help preserve these roots and traditions.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Willingness to honour parent<\/strong><strong>s\u2019 <\/strong><strong>wishes:<\/strong> Parents often have distinct opinions on the best ways to raise their children. An effective guardian is one who respects and supports <em>your<\/em> wishes for your children (rather than imposing their own), especially during your kid\u2019s formative years.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Way of life:<\/strong> Consider their lifestyle, habits, or hobbies and whether those align with your own. For example, if your family prioritizes outdoor activities, sports, or volunteering, will those opportunities continue under their care? Does this guardian also share similar views regarding activities such as smoking, drinking, or drug use?<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Relationship with your children<\/h3>\n\n\n\n<p>A pre-existing bond between your potential guardian and your children can significantly lessen their trauma of loss. Keep these factors in mind:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Existing bond and trust:<\/strong> Does the person already have a meaningful connection with your kids? This may not necessarily be a family member; it could be a close family friend. Children are more likely to thrive in an environment where they already feel safe and loved.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Geographic proxim<\/strong><strong>ity:<\/strong> Moving communities can be incredibly disruptive for anybody, let alone a child who has lost their parents. Choosing a guardian in your current community and school district can provide much-needed continuity so that your children can maintain relationships with their friends, teachers, coaches, and other family members.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Sibling consideration<\/strong><strong>:<\/strong> Keeping siblings together is almost always in the best interests of children. When evaluating a guardian, ensure they have the willingness and capacity to take in all your children without showing favouritism.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Age and health of potential guardian<\/h3>\n\n\n\n<p>While children need love and security to thrive, it\u2019s essential to be realistic about the physical and long-term demands of raising children. Evaluate your options based on:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Stamina for child rearing:<\/strong> While grandparents might be a logical choice, especially if retired, consider whether they have the physical, mental and emotional energy to keep up with your children\u2019s needs long-term.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Life expectancy considerations or health status:<\/strong> Age is another factor to consider, as is the guardian\u2019s health. Ideally, you want to minimize the risk of your children experiencing another loss before they reach adulthood.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Realistic assessment of 18+ year commitment:<\/strong> It\u2019s critical to provide your children with stability over their lifetime. If your children are very young, ensure your potential guardian is prepared for the many stages and needs of rearing a child to high school and beyond.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>If you have a family member who wishes to act as a guardian but may not be physically capable of meeting the long-term demands, consider other ways they can remain involved. They could serve as a secondary or tertiary appointee, or act as a resource and support system for the person you designate as the primary guardian.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Financial stability and capacity<\/h3>\n\n\n\n<p>At this point, it\u2019s important to assess whether a candidate possesses the financial stability and practical capacity to raise your children. Consider their:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>C<\/strong><strong>urrent financial situation:<\/strong> A bank balance isn\u2019t indicative of how well someone would serve as a guardian. However, are they competent at managing their own finances? Part of their guardianship role would involves overseeing any inheritance provisions and\/or insurance benefits for the children.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Home space <\/strong><strong>and<\/strong><strong> living arrangements: <\/strong>Does your potential guardian have room to accommodate your children in their current home, or would they need to move? Consider the logistical impacts of them taking on this responsibility, or whether they might be able to move into your property.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Career stability and flexibility:<\/strong> If your guardian has a demanding career or frequent travel schedule, they might not be able to provide the presence and stability your children need.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Read more: <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/life-insurance-for-children-guide-for-parents\/\" data-dig-id=\"LP-LifeInsurance-37420-ba870bc0\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"Life insurance for children: A guide for parents\" class=\"rbc-link-format\">Life insurance for children: A guide for parents<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ability to serve<\/h3>\n\n\n\n<p>Beyond logistical considerations, you also need to consider a guardian\u2019s mental and emotional capacity to take on the role. This involves having an open and honest conversation with potential guardians about what you are asking from them. It\u2019s wise to never appoint a guardian without a conversation first. From there you can:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Evaluate<\/strong><strong> their genuine willingness<\/strong><strong>:<\/strong> Ensure they are saying yes out of a sincere desire to be there for your kids and act in their best interest, rather just from a sense of obligation or duty.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Assess<\/strong><strong> their current family situation and constraints:<\/strong> If your potential guardian already has a house full of kids, aging parents, or a spouse who\u2019s on the road a lot for work, they might not have the time and attention to take on the additional responsibility of your kids.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Discuss expectations clearly:<\/strong> Becoming a guardian is a much bigger responsibility than short-term childcare or visits during summer holidays. It\u2019s important your guardian is truly prepared for that responsibility.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Name<\/strong><strong> backup guardians<\/strong><strong>: <\/strong>It\u2019s essential to name secondary guardians in case the circumstances of your primary guardian change over time.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Legal and practical considerations<\/h2>\n\n\n\n<p>Once you\u2019ve weighed the qualitative and logistical considerations of your potential guardian(s), there are also legal constraints to be aware of:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Age of majority: <\/strong>A legal guardian must be an adult, which is either 18 or 19, depending on the province or territory.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Residency:<\/strong> While anyone can technically be appointed a legal guardian, naming a Canadian resident is preferred as non-residents may face challenges or delays due to visa or residency requirements.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Clean criminal record<\/strong><strong>: <\/strong>In general, courts consider the best interests of a child, specifically protecting their physical, psychological and emotional safety. A criminal record may be a red flag for potential risk to the children.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Mental capacity requirements:<\/strong> Since a guardian is appointed to a child who lacks the legal capacity to make decisions, the appointee must possess the mental capacity to make critical decisions regarding their ward\u2019s care, health, and property.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Single vs. couple guardians: <\/strong>You may instinctively want to name a couple as guardians, especially if your children would be living within that household. However, that could lead to future complications if the couple separates, for example, or if one passes away. Don\u2019t dismiss naming one individual as a successor.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Being aware of these considerations is especially important in jurisdictions that only appoint temporary guardianship. To continue past the prescribed timeframe (90 days in Ontario), you must apply to the courts for continued guardianship, at which point the court can either confirm, modify or deny the initial appointment.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/shutterstock_2172064657_edit.webp?quality=80&amp;w=1024\" alt=\"How to Choose a Legal Guardian\" class=\"wp-image-37472\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/shutterstock_2172064657_edit.webp 1024w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/shutterstock_2172064657_edit.webp?resize=300,200 300w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/shutterstock_2172064657_edit.webp?resize=768,512 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-will-my-child-be-supported-financially\">How will my child be supported financially?<\/h2>\n\n\n\n<p>Planning with a guardian in mind is generally focused on providing the financial means to cover the expenses associated with raising children. Ask yourself:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>What assets or resources do you have in place to pay for the child\u2019s care? (This might include bank accounts, trust accounts, life insurance benefits, custodial accounts, an RESP, or an RRSP.)<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Who would have control over these assets? Would you want the legal guardian to have direct access to the money or would you rather have someone else in charge of financial decisions, such as your lawyer or financial advisor?<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>How do you want those assets to be used for your child\u2019s care? For example, should a set amount be put aside to help with post-secondary costs?<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>How much will the legal guardian need to pay for your child\u2019s care on a day-to-day basis and are the assets you have in place enough?<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>The assets you already have may give your legal guardian a good starting point for caring for your child financially but look at your plan overall to see what else you may need.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-life-insurance-helps-support-your-child\">How life insurance helps support your child<\/h2>\n\n\n\n<p>Your policy may be used to pay for funeral and burial expenses, but a life insurance benefit can also provide your child\u2019s legal guardian with money to cover basic living expenses or pay for other costs, such as post-secondary education.<\/p>\n\n\n\n<p>When buying life insurance, there are three key questions to ask:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/compare-life-insurance\/\" data-dig-id=\"LP-LifeInsurance-37420-c3c431a4\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"What type of policy is best\" class=\"rbc-link-format\">What type of policy is best<\/a>&nbsp;for your circumstances? Options typically include term, whole life, or universal life insurance.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/www.rbcinsurance.com\/life-insurance\/life-insurance-calculator\/index.html?dlref=Discover-Learn-Insurance&amp;dlarticle=Things-to-Consider-When-Choosing-a-Legal-Guardian-for-Your-Child&amp;dltarget=product-info\" data-dig-id=\"LP-LifeInsurance-37420-064582ef\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"How much life insurance coverage\" class=\"rbc-link-format\">How much life insurance coverage<\/a>&nbsp;is appropriate? Our life insurance calculator can help you assess your needs.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/what-is-a-life-insurance-beneficiary\/\" data-dig-id=\"LP-LifeInsurance-37420-0f8a0d8b\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"Who will be the beneficiary\" class=\"rbc-link-format\">Who will be the beneficiary<\/a> for your life insurance policy? While you can\u2019t name a minor directly, you can name their legal guardian or trustee.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Related: <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/what-does-life-insurance-cover-complete-guide\/\" data-dig-id=\"LP-LifeInsurance-37420-f57c25f0\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"What Does Life Insurance Cover? A Complete Guide\" class=\"rbc-link-format\">What Does Life Insurance Cover? A Complete Guide<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-steps-to-choosing-a-legal-guardian-in-canada\">Steps to choosing a legal guardian in Canada<\/h2>\n\n\n\n<p>The following steps can help you make a confident decision that ensures long-term security for your children and peace of mind for you and your family.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Create a list of potential guardians<\/h3>\n\n\n\n<p>The first step in choosing a legal guardian is to create a list of potential candidates. Try not to get stuck on finding the \u201cperfect\u201d candidate. Instead, think broadly of the people who could <em>possibly<\/em> take on the role. Start by:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Considering family members and close friends:<\/strong> Identify the people your child already has a strong connection with. Don&#8217;t feel restricted by their position on the family tree; many families have \u201chonorary\u201d aunts or uncles, for example. Instead, prioritize those who share your parenting philosophy and lifestyle.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Think about backup options:<\/strong> Circumstances change and life can be wildly unpredictable, so it\u2019s imperative to have a backup or secondary guardian in case your primary choice is unable or unwilling to serve if the time comes.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Explore non-traditional choices:<\/strong> While immediate family may be an obvious choice, a close friend who has been an involved part of your child\u2019s life since birth might be a better fit.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Evaluate your candidates<\/h3>\n\n\n\n<p>Once you have a list of names, begin thinking critically about the realities of each choice. Using the factors outlined above, determine who is truly capable of taking on this role. From there, you can:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Consider the practical day-to-day realities:<\/strong> A candidate might perfectly align with your values or lifestyle, but have a demanding career, a hectic travel schedule or existing caregiving duties for aging parents. Ask yourself: Do they have the bandwidth to raise your children while sustaining their own responsibilities?<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Think long-term (10-15+ years):<\/strong> Your child\u2019s current age will influence who could be the best fit as a guardian. A guardian well-suited for a teenager might not be the right choice for a toddler. Prioritize stability and continuity over the long term.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Involve your partner in discussions:<\/strong> While these conversations can be delicate and emotional, this is one of the most important decisions you\u2019ll make as as parents. It\u2019s critical to listen to each other\u2019s perspectives and together reach a joint decision that serves your children\u2019s best interests.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Have an honest conversation<\/h3>\n\n\n\n<p>Before you make anything official, you should speak with your preferred candidates. Assuming guardianship of someone else\u2019s children is a life changing responsibility, and it\u2019s vital that they understand your expectations and the realities of the role. Following this framework can help you navigate the conversation:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Approach the conversation with care<\/strong>: Consider the place and timing of the conversation; a private relaxed setting is more appropriate than a playdate at the park. Begin by acknowledging the significance of the ask and share why you believe they are the best fit for your children.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Discuss the responsibilities clearly: <\/strong>Share your expectations regarding education, discipline, lifestyle, cultural values or religion. It\u2019s imperative to be transparent from the very beginning.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Address financial support<\/strong><strong>: <\/strong>A major practical barrier to guardianship is the perceived financial burden. Explain how you plan to provide financial support through life insurance, an inheritance or family trust to alleviate these concerns upfront.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Give them time to consider: <\/strong>This is a big ask and a decision that neither side should take lightly. Encourage them to take the necessary time to think it over and discuss with their own family.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Accept &#8220;no&#8221; gracefully:<\/strong> Do not take a \u201cno\u201d personally. It\u2019s better for someone to be honest about their limitations now rather than struggle with the responsibilities later.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Legally designate your guardian<\/h3>\n\n\n\n<p>Naming a guardian verbally isn\u2019t enough. The designation must be legally binding to hold up in court.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Include guardian designation in your will:<\/strong> Your will is the standard legal document that designates what happens to your property and assets after you die. It\u2019s also where you will likely appoint your guardian. &nbsp;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Note that provincial requirements vary<\/strong><strong>: <\/strong>In B.C. you can name a guardian in your will, or fill out an Appointment of Standby or Testamentary Guardian (Form 2), while in Nova Scotia you\u2019d complete a Child Guardian Appointment document separate from your will. In Quebec, parents can choose a dative tutor in their will, in a protection mandate or through a written statement filed with the Public Curator. Ensure you are adhering to the laws of your home province.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Consult with an estate planning lawyer:<\/strong> A legal professional can ensure your guardianship appointment is drafted correctly, which is especially important if you are concerned about legal challenges from family.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Use proper legal language and execution<\/strong><strong>:<\/strong> Your will must be properly executed and witnessed to be valid. Precise legal terminology avoids ambiguity that may lead to court delays.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Store your will safely:<\/strong> Your executor needs to know where your will is kept, whether it\u2019s at your lawyer\u2019s office or a fireproof safe at home.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Work with a lawyer<\/h3>\n\n\n\n<p>An experienced estate lawyer will ensure your will provisions and guardianship appointment accurately and legally reflects your intentions. Working with a lawyer is especially important for divorced or separated parents who may have complicated custody arrangements. While there is an upfront cost for legal services, it is a fraction of the cost of a contested guardianship in court. Consider it an investment in your children\u2019s future.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Coordinate with your life insurance policy<\/h3>\n\n\n\n<p>Your insurance advisor can help ensure your insurance benefits are structured to support your guardian&#8217;s role without creating unnecessary financial strain, tax burdens or legal hurdles. This includes:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Ensur<\/strong><strong>ing adequate coverage for children&#8217;s needs:<\/strong> Beyond basic needs, consider the cost of extracurricular activities, post-secondary education and inflation.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Name the appropriate beneficiary<\/strong><strong>:<\/strong> You may want to distinguish between the person raising your children (the guardian) and the person managing the money (the trustee). Your lawyer and insurance advisor can help you make the right designations.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Reviewing coverage regularly: <\/strong>Life changes, such as marriages, births or starting a new business, should trigger a review of your insurance to ensure it still provides adequate coverage.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Considering your insurance options:<\/strong> A <a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/life-insurance\/index.html\" data-dig-id=\"LP-LifeInsurance-37420-56295087\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"licensed life insurance advisor\" class=\"rbc-link-format\">licensed life insurance advisor<\/a> can provide you with a suite of options to ensure your policy choice aligns with your long-term needs.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Review your plan<\/h3>\n\n\n\n<p>A legal guardianship plan isn\u2019t necessarily set in stone. Major life events or financial changes, such as having another child or inheriting a large amount of money, could require an update to your plan. Use these best practices to ensure your estate plan always meets your needs:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Revisit your estate plan annually:<\/strong> Review the terms of your will and power of attorney to ensure your bequests still reflect your intentions. Also confirm your guardian choice is still a good fit for your children\u2019s needs.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Align your life insurance:<\/strong> Ensure your life insurance coverage is sufficient to fund the costs of long-term care and that your beneficiary designation matches your guardianship plan.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Confirm with your appointee:<\/strong> Check in with the person you\u2019ve chosen as a legal guardian to ensure they\u2019re still comfortable with, and capable of, caring for your children. Ideally, they\u2019ll never need to step into that role, but you want to be sure that they\u2019re prepared to do so if necessary.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-happens-if-you-don-t-choose-a-legal-guardian\">What happens if you don\u2019t choose a legal guardian<\/h2>\n\n\n\n<p>If you die without naming a legal guardian for your children, the courts will name one for you\u2013and that may lead to some serious complications:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>A judge makes the decision for you: <\/strong>Provincial courts decide on a legal guardian based on the best interests of the child, prioritizing safety, stability and well-being. The court may prioritize biological relationship or financial status over personal connection or family values.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Family disputes and court battles:<\/strong> Without clear instructions, family members may fight over custody. Beyond being expensive and time consuming, such legal battles can permanently damage family relationships.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Children may be separated:<\/strong> If you have multiple children, a judge may place them in separate homes if a single household can\u2019t accommodate them all.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Time in foster care<\/strong>: If a placement solution isn\u2019t obvious, your kids may be placed in temporary foster care while the courts sort it out.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Long<\/strong><strong> delays and extra stress<\/strong><strong>:<\/strong> The courts can move notoriously slowly, potentially leaving your children in a legal limbo. The uncertainty of where they will live could only exacerbates their grief.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Loss of control over your children&#8217;s future:<\/strong> By not appointing a guardian, you effectively lose any say in how your kids are raised or who shapes their upbringing.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Financial complications without clear direction<\/strong><strong>: <\/strong>Without a named guardian, it may be difficult for caregivers to access estate funds or insurance benefits to provide for your children\u2019s basic needs.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>While these are hard conversations to have as a parent, they are necessary ones. If you have children, it\u2019s critical to consider your options and seek legal advice about assigning a legal guardian. In addition, a licensed&nbsp;<a href=\"https:\/\/services.rbcinsurance.com\/StoreAdvisorLocator\/?dlref=Discover-Learn-Insurance&amp;dlarticle=Things-to-Consider-When-Choosing-a-Legal-Guardian-for-Your-Child&amp;dltarget=advisor-locator\" data-dig-id=\"LP-LifeInsurance-37420-1d86a948\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"insurance advisor\" class=\"rbc-link-format\">insurance advisor<\/a>&nbsp;can help you assess the best options for your family\u2019s needs.<\/p>\n\n\n\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel pad-l pad-r mob-pad-r centered-block mob-pad-l pad-t mob-pad-t pad-b mob-pad-b\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-t mar-b-hlf mob-mar-b-hlf mob-mar-t\" id=\"h-rbc-life-insurance\">RBC Life Insurance<\/h2>\n\n\n\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l has-text-reg-font-size\">Protect Your Loved Ones With Dependable Life Insurance.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button aligncenter btn is-style-primary primary\"><a class=\"wp-block-button__link has-text-lg-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/life-insurance\/life-insurance-quote\/index.html\" rel=\"noreferrer noopener\" data-dig-id=\"LP-283-476a44f4\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-https:\/\/www.rbcinsurance.com\/life-insurance\/life-insurance-quote\/index.html \">Get a quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center mar-t-hlf mob-mar-t-hlf pad-b mob-pad-b has-text-reg-font-size\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/\" data-dig-id=\"LP-273-18de2c2e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Learn More\" class=\"rbc-link-format\">Learn More<\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse2de7ba0a\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse2de7ba0a\" data-dig-id=\"LP-HomeInsurance-14506-2de7ba0a\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things Our Lawyers Want You to Know\"><div>Things Our Lawyers Want You to Know<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse2de7ba0a\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"has-text-sm-font-size\">*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/li>\n<\/ul>\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Choosing a guardian for your child(ren) is a difficult but necessary task.  Here are things to consider as you investigate the process.<\/p>\n","protected":false},"author":203,"featured_media":7905,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[54],"tags":[5,22,25],"article-type":[80],"ppma_author":[186],"class_list":["post-7892","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-life-insurance","tag-parenting","tag-relationships","tag-wealth-management","article-type-advice-learning"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Things to Consider When Choosing a Legal Guardian for Your Child - RBC Insurance<\/title>\n<meta name=\"description\" content=\"Appointing a legal guardian for your child(ren) is important, here are some things to 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