{"id":14454,"date":"2024-04-26T17:37:30","date_gmt":"2024-04-26T17:37:30","guid":{"rendered":"https:\/\/silver.rbcinsurance.com\/en-ca\/?p=14454&#038;preview=true&#038;preview_id=14454"},"modified":"2024-04-26T17:37:31","modified_gmt":"2024-04-26T17:37:31","slug":"what-is-a-life-insurance-beneficiary","status":"publish","type":"post","link":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/what-is-a-life-insurance-beneficiary","title":{"rendered":"What Is a Life Insurance Beneficiary?"},"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:\/\/silver.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\">What Is a Life Insurance Beneficiary?<\/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=\"2024-04-26T17:37:30-04:00\">April 26, 2024<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">9 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:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Avatar.webp?quality=80&w=128&h=128&crop=1\" alt=\"RBC Insurance\">\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\">RBC Insurance<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\"><\/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=\"1024\" height=\"683\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/04\/iStock-528476394.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Little boy and his father looking trough the window of a car during the road trip\" style=\"object-fit:cover;\" srcset=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/04\/iStock-528476394.jpg 2121w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/04\/iStock-528476394.jpg?resize=300,200 300w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/04\/iStock-528476394.jpg?resize=768,512 768w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/04\/iStock-528476394.jpg?resize=1024,683 1024w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/04\/iStock-528476394.jpg?resize=1536,1024 1536w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/04\/iStock-528476394.jpg?resize=2048,1365 2048w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/04\/iStock-528476394.jpg?resize=412,275 412w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/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=What Is a Life Insurance Beneficiary? &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/what-is-a-life-insurance-beneficiary\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/silver.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:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/what-is-a-life-insurance-beneficiary\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/silver.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 life insurance beneficiary?<\/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-life-insurance-beneficiary\">What is a life insurance beneficiary?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-are-the-different-types-of-life-insurance-beneficiaries\">What are the different types of life insurance beneficiaries?<\/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>Choosing life insurance beneficiaries is more than just a step in financial planning \u2014 it\u2019s shaping your legacy. Read on for help with navigating the choices, whether it\u2019s for family, friends, trusts, or charities. Dive in to how to split your legacy among multiple beneficiaries, understand the roles of primary and contingent beneficiaries, and know the difference between revocable and irrevocable options. You\u2019ll also learn why naming a beneficiary is so important, and what could happen if you don\u2019t.<\/p>\n\n\n\n<p>Take on your legacy planning with confidence, whether you&#8217;re just starting out or you&#8217;re updating your estate plan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-key-takeaways\"><a><\/a>Key takeaways<\/h3>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>A life insurance beneficiary is a person and\/or entity named to receive benefits after the policyholder\u2019s death.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"is-style-default default default default default default default default default default default default default default default default default default default default default default default default default default default default\">Options for beneficiaries on life insurance are broad, including individuals, trusts, charities, and businesses.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Understanding the difference between primary, contingent, revocable, and irrevocable beneficiaries is crucial.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Proper beneficiary designation ensures efficient asset transfer, tax benefits, and the avoidance of probate.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-life-insurance-beneficiary\">What is a life insurance beneficiary?<\/h2>\n\n\n\n<p>A life insurance beneficiary is the individual and\/or organization you designate to receive the payout from your life insurance policy after you pass away. It\u2019s a key component in your broader estate planning, ensuring the fruits of your hard work and savings are passed on in a way that reflects your personal wishes and priorities.<\/p>\n\n\n\n<p>When you choose a beneficiary on your life insurance, you\u2019re essentially deciding who will benefit from the financial safety net you\u2019ve put in place. This can be a family member, a close friend, a trust, or even a charitable organization whose cause you support. The beneficiary you choose is a reflection of your relationships, commitments, and values. It\u2019s about ensuring that, in your absence, your financial legacy is entrusted to the right hands, whether that\u2019s providing for your family\u2019s future, supporting a friend\u2019s well-being, or contributing to a cause close to your heart.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-who-can-be-a-beneficiary-on-life-insurance\"><a><\/a>Who can be a beneficiary on life insurance?<\/h2>\n\n\n\n<p>Choosing a life insurance beneficiary is a flexible decision. A beneficiary can be:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-family-members\"><a><\/a>Family members<\/h3>\n\n\n\n<p>Commonly chosen, they can include your spouse, children, siblings, or other relatives.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-friends\"><a><\/a>Friends<\/h3>\n\n\n\n<p>Suitable for those with whom you have a close bond, or who may depend on you financially.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-trusts-for-minors\"><a><\/a>Trusts for minors<\/h3>\n\n\n\n<p>Ideal for managing assets for minors until they reach legal adulthood.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-charities\"><a><\/a>Charities<\/h3>\n\n\n\n<p>A way to leave a philanthropic legacy.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-businesses\"><a><\/a>Businesses<\/h3>\n\n\n\n<p>Useful for business owners for succession planning or ongoing business support.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image\"><a href=\"https:\/\/silver.rbcinsurance.com\/life-insurance\/life-insurance-quote\/index.html?utm_source=blog&amp;utm_medium=social&amp;utm_campaign=consideration_en&amp;utm_content=getfreequote\"><img loading=\"lazy\" decoding=\"async\" width=\"1117\" height=\"315\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/09\/life-insurance-banner.png\" alt=\"Life insurance plans for as little as $13\/month\" class=\"wp-image-15806\" srcset=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/09\/life-insurance-banner.png 1117w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/09\/life-insurance-banner.png?resize=300,85 300w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/09\/life-insurance-banner.png?resize=768,217 768w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/09\/life-insurance-banner.png?resize=1024,289 1024w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/09\/life-insurance-banner.png?resize=412,116 412w\" sizes=\"auto, (max-width: 1117px) 100vw, 1117px\" \/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-can-you-have-more-than-one-life-insurance-beneficiary\"><a><\/a>Can you have more than one life insurance beneficiary?<\/h2>\n\n\n\n<p>Absolutely! You can designate multiple beneficiaries of your life insurance policy. This allows you to spread the benefits across several people and\/or organizations, ensuring that each receives a portion of the payout. You have the flexibility to specify exactly how much of the policy proceeds each beneficiary should receive, tailoring the distribution to match your wishes and their needs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-the-different-types-of-life-insurance-beneficiaries\">What are the different types of life insurance beneficiaries?<\/h2>\n\n\n\n<p>Life insurance policies typically have two types of beneficiaries: primary and contingent.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-primary-beneficiary\"><a><\/a>Primary beneficiary<\/h3>\n\n\n\n<p>This is the first person, people, or entity designated to receive your death benefit. They are typically those you want to primarily protect or support in the event of your death.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-contingent-beneficiary\"><a><\/a>Contingent beneficiary<\/h3>\n\n\n\n<p>The designated contingent beneficiary receives the death benefit in the event the primary beneficiary can\u2019t, often due to the primary beneficiary\u2019s death before or at the same time as the policyholder\u2019s, or if the primary beneficiary cannot be located, or refuses the death benefit.<\/p>\n\n\n\n<p>The main difference between the two is their order of priority. The primary beneficiary is the initial recipient, while the contingent beneficiary is an alternate, ensuring your wishes are respected even if the primary beneficiary is unable to receive the benefits.<\/p>\n\n\n\n<p>A contingent beneficiary is sometimes referred to as a \u201csecondary beneficiary.\u201d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-s-the-difference-between-a-revocable-and-an-irrevocable-beneficiary\"><a><\/a>What\u2019s the difference between a revocable and an irrevocable beneficiary?<\/h2>\n\n\n\n<p>You\u2019ll encounter another important decision when you set up a life insurance policy: choosing between a revocable and an irrevocable beneficiary.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-revocable-beneficiary\"><a><\/a>Revocable beneficiary<\/h3>\n\n\n\n<p>This option offers flexibility, allowing you to change your beneficiary without their knowledge or consent. It\u2019s most commonly used if you anticipate changes in your relationships or circumstances.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-irrevocable-beneficiary\"><a><\/a>Irrevocable beneficiary<\/h3>\n\n\n\n<p>Once chosen, this beneficiary cannot be changed without their agreement (you also can\u2019t make other changes to your policy, such as withdraw money or take out a policy loan without their consent). It\u2019s a more permanent decision, providing guaranteed financial protection for the beneficiary. This is commonly used in marital breakdowns, blended families, and business situations.<\/p>\n\n\n\n<p>If a minor is being considered as an irrevocable beneficiary, it should be noted that neither the minor nor their parent\/guardian or even the trustee are able to provide consent to a change of beneficiary. It is usually not possible for the beneficiary designation to be changed if a minor has been designated as an irrevocable beneficiary.<\/p>\n\n\n\n<p><strong>Note for residents of Quebec:<\/strong> In Quebec, a spouse named as a beneficiary is automatically considered irrevocable, unless otherwise stated or in the case of divorce, adding a unique consideration for policyholders in this province.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-name-a-life-insurance-beneficiary\"><a><\/a>Why name a life insurance beneficiary?<\/h2>\n\n\n\n<p>Choosing a beneficiary on life insurance is essential for several practical reasons.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-direct-allocation\"><a><\/a>Direct allocation<\/h3>\n\n\n\n<p>The money from your life insurance policy goes directly to the people and\/or organizations you\u2019ve chosen, exactly as you planned. This happens outside of your estate, without the time and costs associated with probate. (Probate is the legal process of the courts formally accepting a will.)<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-faster-access-to-money\"><a><\/a>Faster access to money<\/h3>\n\n\n\n<p>Your beneficiaries usually get the money more quickly, since it doesn\u2019t get tied up in the settling of your estate.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-avoiding-legal-hassles-and-costs\"><a><\/a>Avoiding legal hassles and costs<\/h3>\n\n\n\n<p>Skipping the long and often expensive legal process of probate means potentially saving on fees and time.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-keeping-things-private\"><a><\/a>Keeping things private<\/h3>\n\n\n\n<p>Your financial details stay out of the public eye by not going through probate.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-making-life-easier-for-beneficiaries\"><a><\/a>Making life easier for beneficiaries<\/h3>\n\n\n\n<p>The whole process becomes simpler for those receiving the money, helping them during a difficult time without added stress.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-happens-if-there-is-no-beneficiary-on-a-life-insurance-policy\"><a><\/a>What happens if there is no beneficiary on a life insurance policy?<\/h2>\n\n\n\n<p>In the absence of a named beneficiary on a life insurance policy, the death benefit becomes part of the deceased person\u2019s estate. This shift means the payout is subject to the probate process. Probate is the legal process to prove and gain court approval that the will is the last will and testament of the deceased individual.<\/p>\n\n\n\n<p>Probate can be a lengthy and public process, potentially involving legal fees, if the estate is greater than $50,000, and delays in distributing the assets. Without a designated beneficiary, the streamlined transfer of life insurance benefits is lost, and the proceeds become entangled in the broader estate settlement process.<\/p>\n\n\n\n<p>And because of estate administrative tax, your leftover assets may be much less than if you had named a beneficiary.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-choose-a-life-insurance-beneficiary\"><a><\/a>How to choose a life insurance beneficiary<\/h2>\n\n\n\n<p>Selecting a life insurance beneficiary is a deeply personal and significant choice, reflecting your relationships and your priorities. Consider the following when deciding who should be listed as your beneficiary or beneficiaries.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-financial-dependence\"><a><\/a>Financial dependence<\/h3>\n\n\n\n<p>Is there anyone who relies on you financially? This could be a spouse, children, aging parents, a friend, or anyone else who depends on your income.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-family-considerations\"><a><\/a>Family considerations<\/h3>\n\n\n\n<p>If you\u2019re married, have children or grandchildren, think about how the benefits can support their future.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-charitable-intentions\"><a><\/a>Charitable intentions<\/h3>\n\n\n\n<p>You might want to leave a legacy through charities, organizations, or academic institutions that are important to you.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-business-relationships\"><a><\/a>Business relationships<\/h3>\n\n\n\n<p>If you have a business partner, consider how your absence might impact your business and whether they should be a beneficiary.<\/p>\n\n\n\n<p>Remember: There are no set rules for naming a life insurance beneficiary. It\u2019s entirely your decision who receives the payout from your life insurance policy. Your choice should align with your personal circumstances, future goals, and the legacy you wish to leave.<\/p>\n\n\n\n<p>Speak with an RBC Insurance Advisor today to help you navigate these choices with confidence and clarity. They can offer expert guidance on life insurance options and help tailor a plan that fits your unique needs and goals. Don\u2019t hesitate to reach out and start the conversation about how you can effectively pass on your legacy to your loved ones and\/or other priorities in your life.<\/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:\/\/silver.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:\/\/silver.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:\/\/silver.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\t<style type=\"text\/css\">\n\t\t.wp-block-tk-spacer.id-e543e613-abc0-4734-9fec-707eafe86778 {\n\t\theight: 30px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-e543e613-abc0-4734-9fec-707eafe86778 {\n\t\t\theight: 15px;\n\t\t}\n\t}\t<\/style>\n\t<div class=\"wp-block-tk-spacer id-e543e613-abc0-4734-9fec-707eafe86778\" aria-hidden=\"true\"><\/div>\n\t\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-LifeInsurance-15830-2de7ba0a\" data-dig-category=\"LP-LifeInsurance\" 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\n\n\n<p class=\"has-text-sm-font-size\">1. Rate based on a $100,000, Term 10 policy for a male, age 37, non-smoker. This does not constitute advice. Please speak with a licensed insurance advisor for more information on what coverage is suitable for your needs. Subject to policy exclusions. Underwritten by RBC Life Insurance Company. The information within this site is not intended to provide tax advice. You should seek independent tax advice from a tax professional or advisor.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Understanding the types of life insurance beneficiaries is essential for making informed decisions about estate planning and how your assets will be shared.<\/p>\n","protected":false},"author":80,"featured_media":14455,"comment_status":"open","ping_status":"open","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[54],"tags":[4],"article-type":[80],"ppma_author":[],"class_list":["post-14454","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-life-insurance","tag-life-insurance","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>What Is a Life Insurance Beneficiary? | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Understanding the types of life insurance beneficiaries is essential for making informed decisions about estate planning and how your assets will be shared. %\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/what-is-a-life-insurance-beneficiary\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is a Life Insurance Beneficiary? | RBC Insurance\" \/>\n<meta property=\"og:description\" content=\"Understanding the types of life insurance beneficiaries is essential for making informed decisions about estate planning and how your assets will be shared. %\" \/>\n<meta property=\"og:url\" content=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/what-is-a-life-insurance-beneficiary\/\" \/>\n<meta property=\"og:site_name\" content=\"RBC Insurance\" \/>\n<meta property=\"article:author\" content=\"RBC Insurance\" \/>\n<meta property=\"article:published_time\" content=\"2024-04-26T17:37:30+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-04-26T17:37:31+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/04\/iStock-528476394.jpg?quality=80\" \/>\n\t<meta property=\"og:image:width\" content=\"2121\" \/>\n\t<meta property=\"og:image:height\" content=\"1414\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"RBC Insurance\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/life-insurance\\\/what-is-a-life-insurance-beneficiary\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/life-insurance\\\/what-is-a-life-insurance-beneficiary\\\/\"},\"author\":{\"name\":\"\",\"@id\":\"\"},\"headline\":\"What Is a Life Insurance Beneficiary?\",\"datePublished\":\"2024-04-26T17:37:30+00:00\",\"dateModified\":\"2024-04-26T17:37:31+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/life-insurance\\\/what-is-a-life-insurance-beneficiary\\\/\"},\"wordCount\":1672,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/life-insurance\\\/what-is-a-life-insurance-beneficiary\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2024\\\/04\\\/iStock-528476394.jpg?quality=80\",\"keywords\":[\"Life Insurance\"],\"articleSection\":[\"Life Insurance\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/life-insurance\\\/what-is-a-life-insurance-beneficiary\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/life-insurance\\\/what-is-a-life-insurance-beneficiary\\\/\",\"url\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/life-insurance\\\/what-is-a-life-insurance-beneficiary\\\/\",\"name\":\"What Is a Life Insurance Beneficiary? | RBC Insurance\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/life-insurance\\\/what-is-a-life-insurance-beneficiary\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/life-insurance\\\/what-is-a-life-insurance-beneficiary\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2024\\\/04\\\/iStock-528476394.jpg?quality=80\",\"datePublished\":\"2024-04-26T17:37:30+00:00\",\"dateModified\":\"2024-04-26T17:37:31+00:00\",\"description\":\"Understanding the types of life insurance beneficiaries is essential for making informed decisions about estate planning and how your assets will be shared. %\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/life-insurance\\\/what-is-a-life-insurance-beneficiary\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/life-insurance\\\/what-is-a-life-insurance-beneficiary\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/life-insurance\\\/what-is-a-life-insurance-beneficiary\\\/#primaryimage\",\"url\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2024\\\/04\\\/iStock-528476394.jpg?quality=80\",\"contentUrl\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2024\\\/04\\\/iStock-528476394.jpg?quality=80\",\"width\":2121,\"height\":1414,\"caption\":\"Little boy and his father looking trough the window of a car during the road trip\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/life-insurance\\\/what-is-a-life-insurance-beneficiary\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Advice &amp; Learning\",\"item\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/article-type\\\/advice-learning\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"What Is a Life Insurance Beneficiary?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/#website\",\"url\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/\",\"name\":\"RBC Insurance\",\"description\":\"Personal Insurance\",\"publisher\":{\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/#organization\",\"name\":\"RBC Insurance\",\"url\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2021\\\/06\\\/rbc-logo-shield.svg?quality=80&w=1024\",\"contentUrl\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2021\\\/06\\\/rbc-logo-shield.svg?quality=80&w=1024\",\"width\":\"1024\",\"height\":\"1024\",\"caption\":\"RBC Insurance\"},\"image\":{\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"description\":\"RBC Insurance offers personal insurance such as car, home, life, health, travel and creditor insurance, plus retirement investment solutions to Canadians.\",\"telephone\":\"1-800-769-2568\",\"legalName\":\"RBC Insurance Services Inc.\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"1001\",\"maxValue\":\"5000\"}},{\"@type\":\"Person\",\"@id\":\"\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"What Is a Life Insurance Beneficiary? | RBC Insurance","description":"Understanding the types of life insurance beneficiaries is essential for making informed decisions about estate planning and how your assets will be shared. %","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/what-is-a-life-insurance-beneficiary\/","og_locale":"en_US","og_type":"article","og_title":"What Is a Life Insurance Beneficiary? | RBC Insurance","og_description":"Understanding the types of life insurance beneficiaries is essential for making informed decisions about estate planning and how your assets will be shared. %","og_url":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/what-is-a-life-insurance-beneficiary\/","og_site_name":"RBC Insurance","article_author":"RBC Insurance","article_published_time":"2024-04-26T17:37:30+00:00","article_modified_time":"2024-04-26T17:37:31+00:00","og_image":[{"width":2121,"height":1414,"url":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/04\/iStock-528476394.jpg?quality=80","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Written by":"RBC Insurance","Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/what-is-a-life-insurance-beneficiary\/#article","isPartOf":{"@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/what-is-a-life-insurance-beneficiary\/"},"author":{"name":"","@id":""},"headline":"What Is a Life Insurance Beneficiary?","datePublished":"2024-04-26T17:37:30+00:00","dateModified":"2024-04-26T17:37:31+00:00","mainEntityOfPage":{"@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/what-is-a-life-insurance-beneficiary\/"},"wordCount":1672,"commentCount":0,"publisher":{"@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/#organization"},"image":{"@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/what-is-a-life-insurance-beneficiary\/#primaryimage"},"thumbnailUrl":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/04\/iStock-528476394.jpg?quality=80","keywords":["Life Insurance"],"articleSection":["Life Insurance"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/what-is-a-life-insurance-beneficiary\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/what-is-a-life-insurance-beneficiary\/","url":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/what-is-a-life-insurance-beneficiary\/","name":"What Is a Life Insurance Beneficiary? | RBC Insurance","isPartOf":{"@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/#website"},"primaryImageOfPage":{"@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/what-is-a-life-insurance-beneficiary\/#primaryimage"},"image":{"@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/what-is-a-life-insurance-beneficiary\/#primaryimage"},"thumbnailUrl":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/04\/iStock-528476394.jpg?quality=80","datePublished":"2024-04-26T17:37:30+00:00","dateModified":"2024-04-26T17:37:31+00:00","description":"Understanding the types of life insurance beneficiaries is essential for making informed decisions about estate planning and how your assets will be shared. %","breadcrumb":{"@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/what-is-a-life-insurance-beneficiary\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/what-is-a-life-insurance-beneficiary\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/what-is-a-life-insurance-beneficiary\/#primaryimage","url":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/04\/iStock-528476394.jpg?quality=80","contentUrl":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/04\/iStock-528476394.jpg?quality=80","width":2121,"height":1414,"caption":"Little boy and his father looking trough the window of a car during the road trip"},{"@type":"BreadcrumbList","@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/what-is-a-life-insurance-beneficiary\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/silver.rbcinsurance.com\/en-ca\/"},{"@type":"ListItem","position":2,"name":"Advice &amp; Learning","item":"https:\/\/silver.rbcinsurance.com\/en-ca\/article-type\/advice-learning\/"},{"@type":"ListItem","position":3,"name":"What Is a Life Insurance Beneficiary?"}]},{"@type":"WebSite","@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/#website","url":"https:\/\/silver.rbcinsurance.com\/en-ca\/","name":"RBC Insurance","description":"Personal Insurance","publisher":{"@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/silver.rbcinsurance.com\/en-ca\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/#organization","name":"RBC Insurance","url":"https:\/\/silver.rbcinsurance.com\/en-ca\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/#\/schema\/logo\/image\/","url":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/rbc-logo-shield.svg?quality=80&w=1024","contentUrl":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/rbc-logo-shield.svg?quality=80&w=1024","width":"1024","height":"1024","caption":"RBC Insurance"},"image":{"@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/#\/schema\/logo\/image\/"},"description":"RBC Insurance offers personal insurance such as car, home, life, health, travel and creditor insurance, plus retirement investment solutions to Canadians.","telephone":"1-800-769-2568","legalName":"RBC Insurance Services Inc.","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"1001","maxValue":"5000"}},{"@type":"Person","@id":""}]}},"jetpack_featured_media_url":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/04\/iStock-528476394.jpg?quality=80","jetpack_sharing_enabled":true,"authors":[],"_links":{"self":[{"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/posts\/14454","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/users\/80"}],"replies":[{"embeddable":true,"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/comments?post=14454"}],"version-history":[{"count":6,"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/posts\/14454\/revisions"}],"predecessor-version":[{"id":33683,"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/posts\/14454\/revisions\/33683"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/media\/14455"}],"wp:attachment":[{"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/media?parent=14454"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/categories?post=14454"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/tags?post=14454"},{"taxonomy":"article-type","embeddable":true,"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/article-type?post=14454"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/ppma_author?post=14454"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}