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A LIRA works much like an RRSP, and you set it up with a bank or other financial institution. This option is usually only available if you are under age 55 at the time of transfer, and, as the name suggests, your money is generally locked-in until you retire or reach a certain age. The Financial Services Commission of Ontario (FSCO) is the best place to seek out information on insurance. That said, we try to help with general information as best we can. We also know that insurance plays an important role in many peoples overall financial planning.