Can I name a successor subscriber on my RESP so it doesn't have to be wound up if I die?

Yes — many RESP providers allow you to name a successor subscriber, and doing so is a common way to keep the plan running smoothly if you die before your child starts post-secondary studies, rather than leaving its future uncertain. The successor typically takes over your role: managing contributions, investment decisions, and eventually requesting withdrawals for the beneficiary's education.

How this is arranged depends on the specific plan provider and, often, your will. Some providers let you designate a successor subscriber directly on the account, while others expect the succession to be addressed through your estate planning documents instead. Because RESPs are governed by federal tax rules rather than a single standalone statute, the plan's own contract terms with the promoter play a big role in how a transition actually unfolds after death, alongside whatever your will says.

The practical step is to ask your RESP provider what succession options they offer, and make sure your will, or a specific designation with the provider, clearly names who should take over as subscriber. Don't assume it will simply be sorted out by default, since gaps between the provider's paperwork and your will can cause delays for your family later.