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What happens to a RESP when the plan subscriber dies?



Our response:

We are not able to provide financial, legal or tax advice but try to provide general information to help you take the next step. If there is not a surviving joint subscriber to continue contributions, a RESP becomes part of the deceased estate which is governed by the probate process including, any directives set out in the deceased’s will. If a joint subscriber was named when the RESP was set up, this person can take on the responsibilities of contributions into the RESP for the beneficiary’s post-secondary education. A RESPs value may be subject to probate fees and tax.

Speak to a registered financial representative or legal professional to help understand your options. Visit to learn about investing and other financial topics including, how RESPs work and a RESP Savings Calculator to estimate future education costs.

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