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Insurance providers are regulated by province or territory. In Ontario this is the Financial Services Commission of Ontario (FSCO). You can purchase an annuity with the proceeds of your RRSP when you are ready to convert your savings to retirement income. If you transfer proceeds from your RRIF directly to an annuity issuer, you may be able to receive a deduction on the excess amount of your RRIF withdrawal, that is, the amount above the minimum for that year.