To ensure successful application submission, here are some administrative details to remember:

RDSP transfer forms must be submitted to Empire Life (please do not send them directly to the relinquishing institution).

• Empire Life will work with the relinquishing institution to collect all of the required information for the RDSP transfer.
• When completing the RDSP transfer form (EMP5611), please leave section 3 “Information about the Receiving Issuer” blank. Empire Life will complete this section.

If completing a “paper” application, the Government Grant and Bond application (plus any Annexes) must be submitted to Empire Life along with the RDSP application.

RDSP applications do not necessarily require a deposit. This includes the following two scenarios:

• Some plan beneficiaries may elect to receive only government bonds if they are eligible based on their family net income. Any applicable bonds will be sent by the government to Empire Life after the application has been approved.
• For external transfers, Empire Life needs to receive the RDSP transfer proceeds before accepting any new deposits (including pre-authorized debits)

Disability Tax Credit (DTC) approval is required before submitting an RDSP application. Visit the CRA site for more details.

Our Fast & Full e-application makes it easy to apply for an RDSP, including completing all required government forms and sending them to clients to sign digitally.

To further support your business, we have created several key resources:

• RDSP Guide - this provides a detailed look at the features and benefits of RDSPs and is also client-friendly.
• Advisor FAQ - this covers a range of frequently asked questions, from RDSP eligibility to grants and bonds to payments and more!
• Visit our RDSP Advisor Resource Centre for all of our resources and materials.

Help more Canadians with disabilities and their families access the benefits they deserve—while growing your business with impact.

A description of the key features of the individual variable insurance contract and the RDSP are contained in the Empire Life GIF Information Folder and the Empire Life Disability Savings Plan Trust Agreement. Any amount that is allocated to a segregated fund is invested at the risk of the contract owner and may increase or decrease in value. Please read the information folder, contract and fund facts before investing. Past performance is no guarantee of future performance.

Policies are issued by The Empire Life Insurance Company.

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FOR ADVISOR USE ONLY