{"id":30704,"date":"2025-10-24T14:02:53","date_gmt":"2025-10-24T18:02:53","guid":{"rendered":"https:\/\/silver.rbcinsurance.com\/en-ca\/?page_id=30704"},"modified":"2026-02-19T15:44:04","modified_gmt":"2026-02-19T20:44:04","slug":"early-retirees","status":"publish","type":"page","link":"https:\/\/silver.rbcinsurance.com\/en-ca\/life-stages\/early-retirees\/","title":{"rendered":"Planning retirement"},"content":{"rendered":"\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__HeroImageBackground  hasDarkBg\" style=\"background:url(https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/retirement-hero.webp) no-repeat;--bghero-mobi-url:url(https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/retirement-hero-mobile.webp)\">\n<div class=\"wp-block-columns cols-hero-wrapper is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column col-front is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"rbc-yoast-breadcrum\"><span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading rbc-callout-heading\" id=\"h-hello-pension-goodbye-tension\">Hello <mark style=\"background-color:rgba(0, 0, 0, 0);color:#FEDF01\" class=\"has-inline-color\">pension<\/mark>, goodbye <mark style=\"background-color:rgba(0, 0, 0, 0);color:#FEDF01\" class=\"has-inline-color\">tension<\/mark><\/h2>\n\n\n\n<p class=\"rbc-override-margin p-large\">You\u2019ve earned your retirement. But your nest egg may not fully cover your healthcare or unexpected costs \u2014 and that\u2019s where insurance comes in.<\/p>\n\n\n\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-accent accent\"><a class=\"wp-block-button__link wp-element-button\" href=\"#h-three-ways-to-create-stability-in-retirement\" data-dig-id=\"LP-30704-33816e5b\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"See what our clients choose-#h-three-ways-to-create-stability-in-retirement \">See what our clients choose<\/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-30704-37262a18\" 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\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile mob-mar-t-dbl pad-t-dbl mob-pad-t-dbl mar-t-dbl pad-b-dbl mob-pad-b-dbl\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"592\" height=\"593\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/retirement-1-1_EN.webp?quality=80&amp;w=592\" alt=\"A couple protected by life insurance\nFinancial planners recommend having between 60 to 70% of your working income during retirement\" class=\"wp-image-30885 size-full\" srcset=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/retirement-1-1_EN.webp 592w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/retirement-1-1_EN.webp?resize=150,150 150w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/retirement-1-1_EN.webp?resize=300,300 300w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/retirement-1-1_EN.webp?resize=412,413 412w\" sizes=\"auto, (max-width: 592px) 100vw, 592px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<h1 class=\"wp-block-heading  mob-mar-t-dbl\" id=\"h-how-insurance-keeps-you-covered-during-retirement\"><span class=\"partial__border-bottom\">How insurance keeps you covered during retirement<\/span><\/h1>\n\n\n\n<p>In retirement, your income may be predictable \u2014 but life isn\u2019t. Get ahead of illness, unexpected fees and and financial instability with an insurance plan built for your lifestyle.<\/p>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading mar-t-dbl mob-mar-t-dbl\" id=\"h-three-ways-to-create-stability-in-retirement\">Three ways to create stability in retirement<\/h2>\n\n\n\n<div class=\"wp-block-rbc-comparison-block comparisonBlock  menuStyle__enhanced menuItems__dropdown mar-t-0 mob-mar-t-0\" data-dropdownlabel=\"Category\"><div class=\"comparisonBlock__header\"><p class=\"rbc-override-margin p-large\"><span class=\"partial__border-bottom\">From ensuring reliable income to preparing for rising health needs, these are the core protections that help retirees enjoy peace of mind in their next chapter.<\/span><\/p><\/div><div class=\"comparisonBlock__content\"><div class=\"comparisonBlock__content-left\">\n<div class=\"selectDropdown__wrapper\">\n\t\t\t<span class=\"selectDropdown__label\" tabindex=\"0\" aria-label=\"Category\" for=\"\">Category<\/span>\n\t\t<div class=\"selectDropdown__container\">\n\t\t<div class=\"selectDropdown selectDropdown__default  selectDropdown__floating \" \t\t\tdata-option_name=\"\" style=\"width:100%\">\n\t\t\t<button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\">\n\t\t\t\t<span class=\"selectDropdown__title\" data-default_title=\"Keep your loved ones and estate ready\">\n\t\t\t\t\tKeep your loved ones and estate ready\t\t\t\t<\/span>\n\t\t\t\t<span class=\"selectDropdown__chevron\"><\/span>\n\t\t\t<\/button>\n\t\t\t<ul class=\"selectDropdown__list\" role=\"listbox\" tabindex=\"-1\">\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item selected\"\n\t\t\t\t\t\tdata-option_value=\"0\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\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\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tKeep your loved ones and estate ready\t\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\t\t\t\t\t<span class=\"selectDropdown__list__item__description\">\n\t\t\t\t\t\t\t\t\tMake it easy to cover taxes, debts, and final expenses so your plans stay intact.\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"1\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\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\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tProtect retirement from a serious health event\t\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\t\t\t\t\t<span class=\"selectDropdown__list__item__description\">\n\t\t\t\t\t\t\t\t\tA diagnosis should not derail your income plan or force difficult tradeoffs.\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"2\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\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\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tTurn savings into reliable income and protect what you keep\t\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\t\t\t\t\t<span class=\"selectDropdown__list__item__description\">\n\t\t\t\t\t\t\t\t\tConvert savings into regular income with options to help protect your investments.\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t<\/div>\t\n<\/div>\n<div class=\"comparisonBlock__menuItems\"><ul class=\"menuItems__enhanced\" role=\"tablist\" tabindex=\"0\"><li class=\"comparisonBlock__menuItem\" tabindex=\"0\" role=\"tab\" aria-selected=\"false\" id=\"comparisonBlock__menuItem_1\"><div class=\"menuItems__enhanced__icon\"><img decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/umbrella_24x24.svg\" alt=\"\" style=\"width:32px;height:32px;object-fit:contain\"\/><\/div><div class=\"menuItems__enhanced__content\"><p class=\"menuItem__enhanced__name\">Keep your loved ones and estate ready<\/p><p class=\"menuItem__enhanced__description\">Make it easy to cover taxes, debts, and final expenses so your plans stay intact.<\/p><\/div><\/li><li class=\"comparisonBlock__menuItem\" tabindex=\"0\" role=\"tab\" aria-selected=\"false\" id=\"comparisonBlock__menuItem_2\"><div class=\"menuItems__enhanced__icon\"><img decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/bandaid-24x24-1.svg\" alt=\"\" style=\"width:32px;height:32px;object-fit:contain\"\/><\/div><div class=\"menuItems__enhanced__content\"><p class=\"menuItem__enhanced__name\">Protect retirement from a serious health event<\/p><p class=\"menuItem__enhanced__description\">A diagnosis should not derail your income plan or force difficult tradeoffs.<\/p><\/div><\/li><li class=\"comparisonBlock__menuItem\" tabindex=\"0\" role=\"tab\" aria-selected=\"false\" id=\"comparisonBlock__menuItem_3\"><div class=\"menuItems__enhanced__icon\"><img decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/money24x24.svg\" alt=\"\" style=\"width:32px;height:32px;object-fit:contain\"\/><\/div><div class=\"menuItems__enhanced__content\"><p class=\"menuItem__enhanced__name\">Turn savings into reliable income and protect what you keep<\/p><p class=\"menuItem__enhanced__description\">Convert savings into regular income with options to help protect your investments.<\/p><\/div><\/li><\/ul><\/div><\/div><div class=\"comparisonBlock__content-right\">\n<div class=\"wp-block-rbc-comparison-cards comparisonCards\"><div class=\"comparisonCards__cards carousel-wpr\" id=\"zjgyzddjx\">\n<div class=\"wp-block-rbc-comparison-card comparisonCard showEnergyLines\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-2256ceb0 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__topContent is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group comparisonCard__header is-horizontal is-layout-flex wp-block-group-is-layout-flex\">\n<div class=\"rbc-pill-block\"><div class=\"wp-block-rbc-pill-block snipe pill  blue is-style-white-ice\" style=\"--icon-url:url(undefined)\"><span>Life Insurance<\/span><\/div><\/div>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-rbc-growth-insurance-participating-whole-life\">RBC Growth insurance (participating whole life)<\/h4>\n\n\n\n<p>Lifetime protection that also builds cash value. If you\u2019re looking for a policy that\u2019s guaranteed to grow and is designed to offer permanent lifetime protection this is it.<\/p>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\"\/>\n\n\n\n<div class=\"wp-block-group comparisonCard__highlights is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard  is-style-blue-checkmark\"><div class=\"highlightsCard__heading\"><h5>Highlights<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Coverage of $25,000 to $25,000,000 for life.<\/p>\n\n\n\n<p>Available to purchase at ages 0-85.<\/p>\n\n\n\n<p>Dividend Options \u2013 choose from five flexible options for receiving dividends (Paid-up Additions, Cash, Premium Reduction, Enhanced Insurance or Dividends on Deposit).<\/p>\n\n\n\n<p>World-Class Asset Management with an RBC investment team.<\/p>\n\n\n\n<p>Single or Joint Coverage.<\/p>\n\n\n\n<p>Access to your accumulated cash value at any time.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-fe9cc265 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__cta is-layout-flow wp-block-group-is-layout-flow\">\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-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/silver.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html\" data-dig-id=\"LP-30704-b308627f\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Book a call-https:\/\/silver.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html \">Book a call<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"comparisonCard__learnMore\"><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/life-insurance\/whole-life-insurance\/\" data-dig-id=\"LP-30704-087bea73\" 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<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-comparison-card comparisonCard\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-2256ceb0 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__topContent is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group comparisonCard__header is-horizontal is-layout-flex wp-block-group-is-layout-flex\">\n<div class=\"rbc-pill-block\"><div class=\"wp-block-rbc-pill-block snipe pill  blue is-style-white-ice\" style=\"--icon-url:url(undefined)\"><span>Life Insurance<\/span><\/div><\/div>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-rbc-universal-life-insurance\">RBC Universal life insurance<\/h4>\n\n\n\n<p>Get long-term protection with this flexible solution offering lifetime coverage and tax-deferred investment growth.<\/p>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\"\/>\n\n\n\n<div class=\"wp-block-group comparisonCard__highlights is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard  is-style-blue-checkmark\"><div class=\"highlightsCard__heading\"><h5>Highlights<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Coverage from $50,000 to $25,000,000 for life.<\/p>\n\n\n\n<p>Choose how much to pay into your policy and how you want to pay your premiums.<\/p>\n\n\n\n<p>Create the portfolio that is right for you with a range of investment options.<\/p>\n\n\n\n<p>Available for Canadian residents aged 0 to 85 years old.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-fe9cc265 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__cta is-layout-flow wp-block-group-is-layout-flow\">\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-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/silver.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html\" data-dig-id=\"LP-30704-548629c5\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Book a call-https:\/\/silver.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html \">Book a call<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"comparisonCard__learnMore\"><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/life-insurance\/universal-life-insurance\/\" data-dig-id=\"LP-30704-033ef5bb\" 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<\/div>\n<\/div>\n<\/div><div class=\"comparisonCards__sliderNav\" id=\"nav_zjgyzddjx\"><div class=\"comparisonCards__navArrow comparisonCards__prevArrow\"><\/div><div class=\"comparisonCards__sliderDots\"><\/div><div class=\"comparisonCards__navArrow comparisonCards__nextArrow\"><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-comparison-cards comparisonCards\"><div class=\"comparisonCards__cards carousel-wpr\" id=\"jsevunxha\">\n<div class=\"wp-block-rbc-comparison-card comparisonCard showEnergyLines\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-2256ceb0 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__topContent is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group comparisonCard__header is-horizontal is-layout-flex wp-block-group-is-layout-flex\">\n<div class=\"rbc-pill-block\"><div class=\"wp-block-rbc-pill-block snipe pill  blue is-style-white-ice\" style=\"--icon-url:url(undefined)\"><span>Critical illness insurance<\/span><\/div><\/div>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-rbc-critical-illness-insurance\">RBC critical illness insurance<\/h4>\n\n\n\n<p>Protect yourself financially against the most common illnesses. Together, cancer, heart attack and stroke make up 89% of all critical illness claims.<sup><a href=\"#legal-2\" data-dig-id=\"LP-30704-6a71be3a\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"2\" class=\"rbc-link-format\">2<\/a><\/sup> For financial protection against these common illnesses<sup><a href=\"#legal-3\" data-dig-id=\"LP-30704-a5a0b7cd\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"3\" class=\"rbc-link-format\">3<\/a><\/sup>, choose our most affordable coverage.<\/p>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\"\/>\n\n\n\n<div class=\"wp-block-group comparisonCard__highlights is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard  is-style-blue-checkmark\"><div class=\"highlightsCard__heading\"><h5>Highlights<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Lump-Sum Benefit: $25,000 to $2 million.<\/p>\n\n\n\n<p>Comprehensive: Coverage for over 30 serious illnesses and conditions.<sup><a href=\"#legal-4\" data-dig-id=\"LP-30704-1de3c5d5\" data-dig-label=\"4\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">4<\/a><\/sup><\/p>\n\n\n\n<p>Includes $10,000 accidental death benefit.<\/p>\n\n\n\n<p>Convert term to permanent insurance without medical proof until age 71.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-fe9cc265 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__cta is-layout-flow wp-block-group-is-layout-flow\">\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-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/silver.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html\" data-dig-id=\"LP-30704-b308627f\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Book a call-https:\/\/silver.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html \">Book a call<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"comparisonCard__learnMore\"><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/health-insurance\/critical-illness-insurance\/\" data-dig-id=\"LP-30704-8b294e0a\" 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<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-comparison-card comparisonCard\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-2256ceb0 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__topContent is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group comparisonCard__header is-horizontal is-layout-flex wp-block-group-is-layout-flex\">\n<div class=\"rbc-pill-block\"><div class=\"wp-block-rbc-pill-block snipe pill  blue is-style-white-ice\" style=\"--icon-url:url(undefined)\"><span>Disability insurance<\/span><\/div><\/div>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-rbc-professional-series-disability-insurance\">RBC Professional Series disability insurance<\/h4>\n\n\n\n<p>The Professional Series policy provides long-term disability coverage and return to work benefits that are designed around your unique needs.<\/p>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\"\/>\n\n\n\n<div class=\"wp-block-group comparisonCard__highlights is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard  is-style-blue-checkmark\"><div class=\"highlightsCard__heading\"><h5>Highlights<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Total Disability Benefits: Receive a specified monthly benefit if illness or injury completely prevents you from working.<sup><a href=\"#legal-4\" data-dig-id=\"LP-30704-aedf90ab\" data-dig-label=\"4\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">4<\/a><\/sup><\/p>\n\n\n\n<p>Partial and Residual Disability Benefits: Makes your transition back to work easier if, as a result of injury or illness, you are only able to work part-time.<\/p>\n\n\n\n<p>Choice of Benefit Periods: Receive benefits for two years, five years or until age 65.<\/p>\n\n\n\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/health-insurance\/return-to-work-benefits\/\" data-dig-id=\"LP-30700-38d5c4d7\" data-dig-label=\"Return to Work Assistance Benefits\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">Return to Work Assistance Benefits<\/a>: Receive services that can help you get back to your job.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-fe9cc265 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__cta is-layout-flow wp-block-group-is-layout-flow\">\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-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/silver.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html\" data-dig-id=\"LP-30704-548629c5\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Book a call-https:\/\/silver.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html \">Book a call<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"comparisonCard__learnMore\"><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/health-insurance\/disability-insurance\/\" data-dig-id=\"LP-30704-c0898562\" 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<\/div>\n<\/div>\n<\/div><div class=\"comparisonCards__sliderNav\" id=\"nav_jsevunxha\"><div class=\"comparisonCards__navArrow comparisonCards__prevArrow\"><\/div><div class=\"comparisonCards__sliderDots\"><\/div><div class=\"comparisonCards__navArrow comparisonCards__nextArrow\"><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-comparison-cards comparisonCards\"><div class=\"comparisonCards__cards carousel-wpr\" id=\"sikxjiohk\">\n<div class=\"wp-block-rbc-comparison-card comparisonCard showEnergyLines\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-2256ceb0 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__topContent is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group comparisonCard__header is-horizontal is-layout-flex wp-block-group-is-layout-flex\">\n<div class=\"rbc-pill-block\"><div class=\"wp-block-rbc-pill-block snipe pill  blue is-style-white-ice\" style=\"--icon-url:url(undefined)\"><span>Retirement solutions<\/span><\/div><\/div>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-rbc-payout-annuities\">RBC payout annuities<\/h4>\n\n\n\n<p>RBC payout annuities can give you guaranteed income for life.<\/p>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\"\/>\n\n\n\n<div class=\"wp-block-group comparisonCard__highlights is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard  is-style-blue-checkmark\"><div class=\"highlightsCard__heading\"><h5>Highlights<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Guarantee your retirement income.<\/p>\n\n\n\n<p>Minimize your taxes.<\/p>\n\n\n\n<p>Provide security to loved ones.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-fe9cc265 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__cta is-layout-flow wp-block-group-is-layout-flow\">\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-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/silver.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html\" data-dig-id=\"LP-30704-b308627f\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Book a call-https:\/\/silver.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html \">Book a call<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"comparisonCard__learnMore\"><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/annuities\/\" data-dig-id=\"LP-30704-c610774a\" 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<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-comparison-card comparisonCard\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-2256ceb0 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__topContent is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group comparisonCard__header is-horizontal is-layout-flex wp-block-group-is-layout-flex\">\n<div class=\"rbc-pill-block\"><div class=\"wp-block-rbc-pill-block snipe pill  blue is-style-white-ice\" style=\"--icon-url:url(undefined)\"><span>Retirement solutions<\/span><\/div><\/div>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-rbc-segregated-funds\">RBC segregated funds<\/h4>\n\n\n\n<p>Segregated funds give your money the chance to grow, while providing built-in guarantees to keep it safe.<\/p>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\"\/>\n\n\n\n<div class=\"wp-block-group comparisonCard__highlights is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard  is-style-blue-checkmark\"><div class=\"highlightsCard__heading\"><h5>Highlights<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Guarantee your original investment.<\/p>\n\n\n\n<p>Lock-in market gains.<\/p>\n\n\n\n<p>Provide security to loved ones.<\/p>\n\n\n\n<p>Protect your money from creditors.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-fe9cc265 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__cta is-layout-flow wp-block-group-is-layout-flow\">\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-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/silver.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html\" data-dig-id=\"LP-30704-b308627f\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Book a call-https:\/\/silver.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html \">Book a call<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"comparisonCard__learnMore\"><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/retirement\/segregated-funds\/\" data-dig-id=\"LP-30704-c3bbac65\" 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<\/div>\n<\/div>\n<\/div><div class=\"comparisonCards__sliderNav\" id=\"nav_sikxjiohk\"><div class=\"comparisonCards__navArrow comparisonCards__prevArrow\"><\/div><div class=\"comparisonCards__sliderDots\"><\/div><div class=\"comparisonCards__navArrow comparisonCards__nextArrow\"><\/div><\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__2CTACard  hasDarkBg\" style=\"background-color:#006AC3\">\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__2CTACard  hasDarkBg\" style=\"background-color:#006AC3\">\n<div class=\"wp-block-columns cols2CTA is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column columnLeft is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group groupColumnLeft is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading has-white-color\" id=\"h-talk-to-an-advisor-if\">Talk to an advisor if<\/h2>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-checkmark-white\">\n<li class=\"wp-block-rbc-list-item\">\n<p>You\u2019re planning to combine multiple products.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>You have unique health or family considerations.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>You want a tailored financial plan.<\/p>\n<\/li>\n<\/ul>\n\n\n\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=\"https:\/\/silver.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html\" data-dig-id=\"LP-30704-38d1219e\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Book a call-https:\/\/silver.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html \">Book a call<\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column columnRight is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group groupColumnRight is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading has-white-color\" id=\"h-start-online-if\">Start online if<\/h2>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-checkmark-white\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Your needs are straightforward.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>You know the coverage type you want.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>You want to get started now.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-6c531013 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn before is-style-accent accent\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/silver.rbcinsurance.com\/life-insurance\/life-insurance-quote\/index.html\" data-dig-id=\"LP-30704-bba85c0d\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a life insurance quote-https:\/\/silver.rbcinsurance.com\/life-insurance\/life-insurance-quote\/index.html \">Get a life insurance quote<\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout8\">\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-helpful-resources\"><span class=\"partial__border-bottom\">Helpful resources<\/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-group flex-2\/3 layout8-article-wrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-article-cards articleCards layout8-article-cards\"><div class=\"articleCards__container\"><div class=\"articleCards__cards carousel-wpr\">\n<div class=\"wp-block-rbc-article-card-single articleCardSingle\"><div class=\"articleCardSingle__image\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2023\/09\/CreateTheRightRetirementIncome.jpg\" alt=\"Featured Image\"\/><\/div><div class=\"articleCardSingle__content\" style=\"background-color:#F7F8FA\"><span class=\"cardTag\">Article<\/span><h4 class=\"rbc-override-margin\">How To Create the Right Retirement Plan For You<\/h4><p class=\"rbc-override-margin truncate-text-lines-3\">How much retirement income do you need? Planning for retirement requires careful consideration of your current and future financial needs. Here\u2019s where to begin.<\/p><p class=\"articleCardSingle__postLink\"><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/retirement\/create-the-right-retirement-income-plan\">Read now<\/a><\/p><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-article-card-single articleCardSingle\"><div class=\"articleCardSingle__image\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Thumbnail-feature-14-2.jpg\" alt=\"Featured Image\"\/><\/div><div class=\"articleCardSingle__content\" style=\"background-color:#F7F8FA\"><span class=\"cardTag\">Article<\/span><h4 class=\"rbc-override-margin\">Worried you&#8217;ll outlive your retirement savings? Here are 3 reasons to consider payout annuities.<\/h4><p class=\"rbc-override-margin truncate-text-lines-3\">As some Canadians grow concerned if their savings will run out in retirement, payout annuities can help offer some financial stability.<\/p><p class=\"articleCardSingle__postLink\"><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/retirement\/reasons-to-consider-payout-annuities\">Read now<\/a><\/p><\/div><\/div>\n<\/div><div class=\"articleCards__sliderNav\"><div class=\"articleCards__navArrow articleCards__prevArrow\"><\/div><div class=\"articleCards__sliderDots\"><\/div><div class=\"articleCards__navArrow articleCards__nextArrow\"><\/div><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group info_layoutSelector flex-1\/3 layoutSelector__is-flex layoutSelector__direction-col is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard articleCardsLayout__stackedCard\" style=\"--icon-url:url(undefined);background-color:#edf7fc\">\n<div class=\"rbc-pill-block\"><div class=\"wp-block-rbc-pill-block snipe pill  is-style-square-yellow\" style=\"--icon-url:url(undefined)\"><span>Tool<\/span><\/div><\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-life-insurance-calculator\">Life insurance calculator<\/h4>\n\n\n\n<p>See how much coverage is right for you and your family.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-style-secondary secondary is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button is-style-secondary secondary btn before\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/silver.rbcinsurance.com\/life-insurance\/life-insurance-calculator\/index.html\" data-dig-id=\"LP-30704-c4495935\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Calculate now-https:\/\/silver.rbcinsurance.com\/life-insurance\/life-insurance-calculator\/index.html \">Calculate now<\/a><\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard articleCardsLayout__stackedCard\" style=\"--icon-url:url(undefined);background-color:#edf7fc\">\n<div class=\"rbc-pill-block\"><div class=\"wp-block-rbc-pill-block snipe pill  is-style-square-yellow\" style=\"--icon-url:url(undefined)\"><span>Tool<\/span><\/div><\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-annuity-calculator\">Annuity calculator<\/h4>\n\n\n\n<p>Estimate your potential income from an annuity vs a RRIF.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-style-secondary secondary is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button is-style-secondary secondary btn before\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/silver.rbcinsurance.com\/annuities\/annuity-calculator.html\" data-dig-id=\"LP-30704-ea85ce91\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Calculate now-https:\/\/silver.rbcinsurance.com\/annuities\/annuity-calculator.html \">Calculate now<\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h2><span class=\"partial__border-bottom\">Frequently asked questions<\/span> for retirement planning<\/h2><\/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-titlepd6w56f0\" class=\"collapse-toggle collapsed\" data-target=\"#accordionpd6w56f0\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-30704-pd6w56f0\" aria-controls=\"accordionpd6w56f0\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What factors should someone consider when building a retirement income plan?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What factors should someone consider when building a retirement income plan?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionpd6w56f0\" role=\"region\" aria-labelledby=\"accordion-titlepd6w56f0\"><div class=\"collapse-inner\">\n<p>A comprehensive retirement plan will take into account your financial situation, your future needs and goals, and your tolerance and capacity for risk in your retirement years. A financial advisor should look at all of these factors when helping to guide you toward an income plan that\u2019s right for you.<br>Some of the key factors you\u2019ll want to discuss are:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-black-disc mar-l mob-mar-l\">\n<li>Your tolerance for risk in terms of market fluctuations<\/li>\n\n\n\n<li>Your investment goals when it comes to growth within your retirement fund<\/li>\n\n\n\n<li>Your desire for flexibility and liquidity versus your need for stability<\/li>\n\n\n\n<li>Your personal health and potential longevity; and<\/li>\n\n\n\n<li>Inflation and how it can affect your purchasing power during your retirement years<\/li>\n<\/ul>\n\n\n\n<p>A financial advisor can support you in designing a plan that suits your needs and goals, whether it\u2019s a straightforward strategy or a diversified approach to generating 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-titlebwn0xmbw\" class=\"collapse-toggle collapsed\" data-target=\"#accordionbwn0xmbw\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-30704-bwn0xmbw\" aria-controls=\"accordionbwn0xmbw\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What is the risk of running out of money in retirement, and how can insurance help mitigate that?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What is the risk of running out of money in retirement, and how can insurance help mitigate that?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionbwn0xmbw\" role=\"region\" aria-labelledby=\"accordion-titlebwn0xmbw\"><div class=\"collapse-inner\">\n<p>One of the biggest retirement concerns is outliving your savings. Insurance products such as payout annuities can provide guaranteed income for life, which helps reduce this risk. They can be used alongside other sources of retirement income like pensions or registered savings plans to create more financial stability.<\/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-titlesgmduz5q\" class=\"collapse-toggle collapsed\" data-target=\"#accordionsgmduz5q\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-30704-sgmduz5q\" aria-controls=\"accordionsgmduz5q\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"I don\u2019t qualify for life insurance. Can I hold a segregated fund?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>I don\u2019t qualify for life insurance. Can I hold a segregated fund?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionsgmduz5q\" role=\"region\" aria-labelledby=\"accordion-titlesgmduz5q\"><div class=\"collapse-inner\">\n<p>Yes. Segregated funds are actually ideal investment solutions for individuals who don\u2019t qualify for life insurance. That\u2019s because they offer death benefit guarantees that ensure your beneficiaries will receive a guaranteed percentage of your original investment (less any withdrawals and fees) upon your death. There is no medical checkup or underwriting required.<\/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-titlezkfh9ksr\" class=\"collapse-toggle collapsed\" data-target=\"#accordionzkfh9ksr\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-30704-zkfh9ksr\" aria-controls=\"accordionzkfh9ksr\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What are the benefits of investing in a portfolio solution?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What are the benefits of investing in a portfolio solution?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionzkfh9ksr\" role=\"region\" aria-labelledby=\"accordion-titlezkfh9ksr\"><div class=\"collapse-inner\">\n<p>Portfolio solutions, such as RBC Select Guaranteed Investment Portfolios (GIPs) are designed to provide the right asset mix to meet your risk profile and investment objectives. Each RBC Select GIP is actively monitored and rebalanced by RBC Global Asset Management to ensure your investments remain on track. There are 4 RBC Select GIPs available, so whether you\u2019re a conservative investor or more growth-oriented, you\u2019re sure to find a portfolio that meets your needs.<\/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-titleqd2h3j3u\" class=\"collapse-toggle collapsed\" data-target=\"#accordionqd2h3j3u\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-30704-qd2h3j3u\" aria-controls=\"accordionqd2h3j3u\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Why might critical illness insurance still matter as I approach retirement?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Why might critical illness insurance still matter as I approach retirement?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionqd2h3j3u\" role=\"region\" aria-labelledby=\"accordion-titleqd2h3j3u\"><div class=\"collapse-inner\">\n<p>As people get older, the likelihood of facing a serious health condition increases. Critical illness insurance can provide a lump-sum payment that helps cover expenses government or workplace benefits may not, such as medical costs or supplementing income if you need time to recover.<\/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-title60xvno6p\" class=\"collapse-toggle collapsed\" data-target=\"#accordion60xvno6p\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-30704-60xvno6p\" aria-controls=\"accordion60xvno6p\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How does critical illness insurance differ from disability insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How does critical illness insurance differ from disability insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion60xvno6p\" role=\"region\" aria-labelledby=\"accordion-title60xvno6p\"><div class=\"collapse-inner\">\n<p>Critical illness insurance pays a one-time lump sum if you\u2019re diagnosed with a covered condition, while disability insurance provides ongoing income replacement if you can\u2019t work because of illness or injury.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__image\" 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-find-insurance-for-all-your-needs\">Find insurance for all your needs<\/h2>\n\n\n\n<p class=\"rbc-override-margin p-large\">Building stability in retirement starts with planning today. The right coverage can help you enjoy peace of mind in the years ahead.<\/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-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/silver.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html\" data-dig-id=\"LP-30704-e43979a5\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Book a call-https:\/\/silver.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html \">Book a call<\/a><\/div>\n<\/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-large\"><img loading=\"lazy\" decoding=\"async\" width=\"606\" height=\"573\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/life-insurance-cta.webp?quality=80&amp;w=606\" alt=\"A father and son protected by life insurance\" class=\"wp-image-18133\" srcset=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/life-insurance-cta.webp 606w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/life-insurance-cta.webp?resize=300,284 300w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/life-insurance-cta.webp?resize=412,390 412w\" sizes=\"auto, (max-width: 606px) 100vw, 606px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-rbc-legal-collapsible disclaimer\" aria-label=\"Legal Disclaimers\"><div class=\"section-inner\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapseDisclaimer\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapseDisclaimer\" data-dig-id=\"LP-30704-1ccc0efe\" data-dig-category=\"LP\" data-dig-action=\"legal close\" data-dig-label=\"legal close\" action-closed=\"legal close\" action-opened=\"legal open\" label-close=\"legal open\" label-open=\"legal close\"><span>View Legal Disclaimers<\/span><span>Hide Legal Disclaimers<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapseDisclaimer\"><div class=\"collapse-inner\"><div class=\"table-wpr\">\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-1\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>1<\/sup><\/div><div class=\"table-cell\">\n<p>Canada.ca, Planning to save for retirement.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-2\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>2<\/sup><\/div><div class=\"table-cell\">\n<p>Munich Reinsurance Company, 2006 Critical Illness Survey.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-3\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>3<\/sup><\/div><div class=\"table-cell\">\n<p>Cancer is defined as a definite diagnosis of a tumour, which must be characterized by the uncontrolled growth and spread of malignant cells and the invasion of tissue. Types of Cancer include carcinoma, melanoma, leukemia, lymphoma, and sarcoma. The diagnosis of Cancer must be made by a specialist. The following forms of cancer are excluded: Lesions described as benign, pre-malignant, uncertain, borderline, non-invasive, carcinoma in-situ (Tis) or tumours classified as Ta; Malignant melanoma skin cancer that is less than or equal to 1.0 mm in thickness, unless it is ulcerated or is accompanied by lymph node or distant metastasis; Any non-melanoma skin cancer, without lymph node or distant metastasis; Prostate cancer classified as T1a or T1b, without lymph node or distant metastasis; Papillary thyroid cancer or follicular thyroid cancer, or both, that is less than or equal to 2.0 cm in greatest diameter and classified as T1, without lymph node or distant metastasis; Chronic lymphocytic leukemia classified less than Rai stage 1; or Malignant gastrointestinal stromal tumours (GIST) and malignant carcinoid tumours, classified less than AJCC Stage 2.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-4\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>4<\/sup><\/div><div class=\"table-cell\">\n<p>Certain conditions must be met for benefits to be payable. Your policy will provide complete details.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>How insurance keeps you covered during retirement In retirement, your income may be predictable \u2014 but life isn\u2019t. Get ahead of illness, unexpected fees and and financial instability with an insurance plan built for your lifestyle. Three ways to create stability in retirement<\/p>\n","protected":false},"author":203,"featured_media":0,"parent":30698,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"templates\/new-rbci-design.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-30704","page","type-page","status-publish","hentry"],"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>Insurance for Retirees &amp; Seniors | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Plan a stress-free retirement with insurance solutions for seniors &amp; pre-retirees. 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