How to protect your Aeroplan points while you are alive

There is no way to name a beneficiary or successor on an Aeroplan account. While the account holder is alive, Air Canada allows family pooling and transfers to another member.

Air Canada's terms provide a path for Aeroplan points after a death, and what the account holder sets up in advance decides how smoothly that path runs. There is no way to name a beneficiary or successor on an Aeroplan account. While the account holder is alive, Air Canada allows family pooling and transfers to another member.

How to protect your Aeroplan points

1
Record your Aeroplan number where your executor will find it; the Estate policy asks for the late member's Aeroplan number in the transfer request.
2
Name in your will who is to receive the points. Aeroplan asks for a scanned copy of the portion of the will that names the beneficiaries, and transfers the points to those named beneficiaries.
3
Consider Aeroplan Family Sharing for household members who will use the points; it pools up to 8 Verified Family Members into one shared balance with no transfer fees:
  • •Creating a pool requires being 18 or older, an Aeroplan member for at least 6 months and a Verified Aeroplan Member.
  • •Creating a new pool is temporarily unavailable as of September 2026; existing pools are unaffected.
  • •A pool is dissolved automatically on the death or incapacity of the Family Lead, and each member keeps the points then in their own account.
4
Keep the account active: points expire after 18 months with no points earned, redeemed, donated, transferred or converted, and Aeroplan emails a warning up to 60 days before expiry.
5
Note that points expiry is paused until November 30, 2026, and that points never expire while you are a primary Aeroplan co-branded credit cardholder or hold Aeroplan Elite Status.
6
Redeem a large balance during life if it is unlikely to be used; a redemption can book award travel for any passenger, including people who are not Aeroplan members.

Naming who acts after a death

Designation

There is no way to name a beneficiary on the Aeroplan account itself; the Estate policy transfers points to the beneficiaries named in the member's will.1

What Air Canada's terms say about sharing and transfers5

Pooling with family

Aeroplan Family Sharing lets up to 8 Verified Family Members pool their points into one shared balance while each keeps an individual account; all points earned, including existing balances, go into the shared balance and are redeemed proportionally from each account.2

The Family Lead, who must be 18 or older and a member for at least 6 months, invites up to 7 others and sets each member's redemption permissions; members with redemption privileges redeem from the shared balance for anyone, with no transfer fees.2

Family plans and household sharing

To create, join or invite to a pool, a member must have been an Aeroplan member for at least 6 months, must not have been in another pool for at least 6 months and must be a Verified Aeroplan Member; there is no minimum age to join, and members stay at least 3 months.2

Aeroplan states that creating a new Family Sharing pool is temporarily unavailable; existing pools are unaffected, including adding and removing members.2

Transfers to another member

Outside Family Sharing, a member can transfer points to another Aeroplan member for a fee; Family Sharing is the no-fee way to combine points within a household.2

Gifting and purchases for others

Members can redeem points for award travel for any passenger, including people who are not Aeroplan members.2, 3

Expiry and activity requirements

Points expire after 18 months with no points earned, redeemed, donated, transferred or converted, and Aeroplan emails a notice up to 60 days before the points expire.4

Points never expire for a primary TD, American Express or CIBC Aeroplan cardholder or a holder of Aeroplan Elite Status; expired points can be reinstated within 6 months by buying them back for a fee, flying Air Canada or getting an Aeroplan credit card.4

Aeroplan has paused the expiry of points until November 30, 2026, when its normal expiry policy applies again.5

Not in Aeroplan's published guidance1

  • Fees

Sources5

Should you save your passwords for your family?

Some people store account passwords so a family member can sign in later. The practice has three practical limits:

  • Two-factor authentication often blocks it. Most accounts require a second factor — a code sent to a phone, an authenticator app, a passkey, or a physical key. A saved password alone frequently does not grant access, and the recovery codes that would are easy to lose or let go stale.
  • It usually conflicts with the platform's terms. Most operators prohibit account sharing and signing in as another person, including after a death. Stored credentials are not the operator's recognized access path, and using them can violate the terms of service.
  • Operators provide other paths. Where an operator offers a designation tool — Apple's Legacy Contact, Google's Inactive Account Manager, a beneficiary designation — that mechanism grants access the operator recognizes. A password manager's own emergency-access or legacy feature passes credentials through a controlled process. Digital assets named in a will or trust give a fiduciary authority under each state's Revised Uniform Fiduciary Access to Digital Assets Act (RUFADAA).
SimplyTrustSimplyTrust Editorial·

Sources

Data sourced from Air Canada primary sources (5 pages reviewed). How we research.

Aeroplan customer support

Aeroplan Contact Centre

Verified Sep 2026

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