My read on Rif's is this:
If one person in a marriage passes the rif goes to the survivor. (No tax taken off)
Upon the passing of both full or in the case of a single person Rif's are taxed to the estate all at once and it can be easily 50% tax depending on the amount. I do not know the procedure but I do know the taxes on an RRSP or Rif upon passing is basically half.
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