--- title: It’s time to send your RRSP conversion requests! description: Clients with an RRSP, a locked-in RRSP or a LIRA contract must convert their contracts to a retirement income contract (RRIF or LIF) before the end of the year in which they turn 71. image: https://iaconnected.ia.ca/hubfs/Individuel/instant-iA/2025/OG_PROJ-19-6_Hero_INSTANT_IA_EN.jpg --- [![iA-EN](https://iaconnected.ia.ca/hubfs/iAAH/Common/Logos/iA-EN.svg "iA-EN")](https://iaconnected.ia.ca/) [FR](https://linstantia.ia.ca/faites-vos-demandes-de-conversion-reer-2026/tags/epargne) # iA CONNECTED Your ongoing source of information. ![Hero\_Principal\_small](https://iaconnected.ia.ca/hubfs/Individuel/instant-iA/2026/Hero_Principal_small.webp) ![Hero\_Principal\_small](https://iaconnected.ia.ca/hubfs/Individuel/instant-iA/2026/Hero_Principal_small.webp) [Home](https://iaconnected.ia.ca/) ### It’s time to send your RRSP conversion requests! October 27, 2026 Share with your colleagues | [![iA Groupe financier - Facebook](https://iaconnected.ia.ca/hs-fs/hubfs/Logo-reseaux-sociaux/ico-fb.png?width=31&name=ico-fb.png)](https://www.facebook.com/sharer/sharer.php?u=https://iaconnected.ia.ca/its-time-to-send-your-rrsp-conversion-requests-2026/tags/savings) [![iA Groupe financier - Linkedin](https://iaconnected.ia.ca/hs-fs/hubfs/Logo-reseaux-sociaux/ico-in.png?width=39&name=ico-in.png)](https://www.linkedin.com/sharing/share-offsite/?url=https://iaconnected.ia.ca/its-time-to-send-your-rrsp-conversion-requests-2026/tags/savings) [mailto:?subject=[Shared%20article]%20It’s%20time%20to%20send%20your%20RRSP%20conversion%20requests!&body=I%20recommend%20that%20you%20read%20the%20article%20'It’s%20time%20to%20send%20your%20RRSP%20conversion%20requests!'%20on%20iA%20CONNECTED:%20https://iaconnected.ia.ca/its-time-to-send-your-rrsp-conversion-requests-2026/tags/savings](mailto:?subject=[Shared%20article]%20It’s%20time%20to%20send%20your%20RRSP%20conversion%20requests!&body=I%20recommend%20that%20you%20read%20the%20article%20'It’s%20time%20to%20send%20your%20RRSP%20conversion%20requests!'%20on%20iA%20CONNECTED:%20https://iaconnected.ia.ca/its-time-to-send-your-rrsp-conversion-requests-2026/tags/savings) It’s time to send your RRSP conversion requests! 2:02 As you know, clients with an RRSP, a locked-in RRSP, a LIRA or an FHSA contract must convert their contracts to a retirement income contract (RRIF or LIF) before the end of the year in which they turn 71. **Commission for requests received no later than December 1** This year, conversion requests for your clients who have reached the age limit must be made no later than December 1, 2026, inclusive. A commission on eligible investments (see the commission schedule) may be paid to you if your request is made before this deadline. What's more, RRIF or LIF conversion is an excellent opportunity to review your clients’ retirement planning and work on consolidating their assets. - A **void personal cheque** must be attached to the conversion form ([F12A](https://iaa.secureweb.inalco.com/cw/-/media/documents-repository/individual-insurance-savings-and-retirement/individual-savings-and-retirement/2019/06/dev005976.pdf)). - If the annuitant wishes to use his or her spouse’s age to calculate the minimum withdrawal, you must also attach proof of age. Don’t miss this opportunity to show your clients the value of your expertise!   **Important information in the Business Tracker** To make your life easier, on August 11 and October 19, an event was added to your Business Tracker for each of your clients who will turn 71 this year. Please note that no automatic notifications are currently being sent for the FHSA. ![Suivi des dossiers - en](https://iaconnected.ia.ca/hs-fs/hubfs/Suivi%20des%20dossiers%20-%20en.png?width=576&height=144&name=Suivi%20des%20dossiers%20-%20en.png)   There is also a downloadable Excel list in Advisor Centre (My clients – Obtain your clients’ investment data – 71-year-old clients).   Conversions after December 1 If no conversion is made by December 1, 2026, RRSP, locked-in RRSP, LIRA and FHSA contracts will be automatically converted to RRIF or LIF contracts with the annual payment option on December 15: 1. Annual minimum or 2. Lifetime surrender amount (LSA) for contracts invested in Guaranteed Surrender Series funds, Ecoflextra Series funds or the Income Stage of the FORLIFE Series. Contracts with less than $3,000 will be surrendered after December 1, 2026. Cheques will be sent to clients. 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