We need to find out if that's happening, because it would be very concerning if you had a partner and you're not the designated beneficiary.
Let's say someone had an RRSP and died before retirement. The government takes their share of the taxes from that. I don't see why the government would make you move it so that it doesn't go to estates. If it was still in an RRSP, it would have to be paid out in tax benefits. That requirement “by 90” is something that's interesting to me.