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Client Reviews


Ivon was extremely helpful in providing comparative quotes and then efficiently attending to all aspects of setting up my retirement annuities. I am happy to report that I have just received my initial quarterly payments exactly on schedule.

Allan F, BC



It was not easy to trust someone with our life savings, but we are glad we trusted Ivon.

Fernand & Thérèse, Ontario




We would like to thank you for the help and counsel you provided in purchasing our first annuity. We plan to continue to use your services as we proceed to build our annuity portfolio with periodic annuity purchases over the next several years.

Deborah & David, Ontario




Purchasing an annuity is the first and only experience I've had with The Hughes Trustco Group, and it was a very simple on prompt information and answers to my questions by e-mail, telephone, so yes a very positive experience and I would not hesitate to recommend Mr. Hughes and his company.

Catherine D, Ontario




I approached your company because I found your website well structured, informative and easy to use.

Paul, Ontario



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Today's Annuity Quote

Today's Annuity Quote

Date: April 17, 2014

Company: Standard Life Insurance
Client Details: Singlet, male 67, $375,000


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Today's Annuity Article

An Insight Into The World of Pension Plans

ivon t hughesApril 17, 2014


Published by

Ivon T Hughes



Practically speaking, there are 2 types of pensions - defined-benefit plans and defined-contribution plans....continue reading

What is a life annuity?

A life annuity provides a regular income stream. You will enjoy a steady stream of income for life along with the security that you will never outlive your money. You'll never have to worry about market fluctuations or other investment management decisions.


How does an annuity work?

You simply deposit a lump sum of money and receive a guaranteed income stream for life. This income can also be guaranteed for a specified period of time in case the annuitant or annuitants die pre-maturely.


What are the factors that affect annuity rates?


Your age (and for joint cases, your spouse's age)

Current bond interest rates

Lump sum amount used to purchase the annuity

Types of funds used, either registered or non-registered

The length of time the payments are guaranteed

Deposit and income start dates


Companies we deal withAnnuity Companies Transamerica Life Insurance Standard Life Insurance Manulife Insurance La Capitale Insurance Industrial Alliance Foresters Insurance Empire Life Insurance Company Index Canada Life Insurance BMO Insurance


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