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LifeAnnuities.com has served Canadians from 1972 and online since 1999. We answer your questions and explain your options. You can develop a financial strategy to fulfill your goals. Our brokers provide the in-depth knowledge you need importantly, bring independent, they work for you, not the investment and insurance companies.


Annuity Rates

A life annuity is guaranteed lifetime income. You cannot outlive the payments. Nor can your partner if included.

Male Annuity Rate

Age 70, Deposit $100,000 
$719.46 /mo 

Female Annuity Rate

Age 70, Deposit $100,000
$670.20 /mo

Joint Annuity Rate

Male 70, Female 70, Deposit $100,000
$597.75 /mo 


What is a RRIF?

Registered Retirement Income Fund (RRIF) are holding containers in which you might put a wide variety of investments, from term deposits and mutual funds to Exchange Traded Funds (ETFs), real estate, stocks, bonds and options.


What is a RRSP?

Registered Retirement Savings Plan (RRSP) is a great option if you’re thinking of saving for retirement. For most Canadians, the go-to choice for retirement investments is the RRSP. In this guide, we will go over what an RRSP is, how it works, and why it’s a standard retirement account choice.

What is a GIC?

A Guaranteed Investment Certificate (GIC) is one of many investment vehicles available to Canadians. It is considered a safe investment as there is little risk of loss of your initial capital.


What is a TFSA?

Tax Free Savings Account (TFSA) is a product in which you invest tax-paid money. Any gain on your investment is tax free but there are limits on the amount you can invest each year. Contributions are cumulative, so you can make up any unused contribution room at any time. And you can deposit and withdrawal as frequently as you wish.

Mutual Funds

What is a mutual fund?

A mutual fund solicits money from investors.it then purchases stocks, bonds and other investments to make one investment. Can be cashed as agreed .


What is a segfund?

A segregated fund has been explained as a mutual fund with an insurance wrapper.it has 70% to 100% guarantees of return of capital at certain times. 


What is ETF?

An exchange traded fund is a basket of stocks. It trades daily as a stock. It is the lowest cost of mutual and segregated funds.


What is term insurance?

Term life insurance is the cheapest life insurance available. But premiums differ widely so this is a "must shop" product.


Ivon and his team have always served me with professionalism and integrity.

Never too busy to take a call, or answer an email, I respect the way they run their business and serve their clients.

In all my dealings with Hughes Trustco, I have always felt well served and confident that the advice and products recommended were the absolute right choice for me.

Robert Adam

Robert Adam                         


My association with Ivon Hughes and Hughes Trustco goes back 25 years.

Widowed in 2009, I have been relying on them, not only as agents for my insurance annuity policies, but more importantly as my valued financial security advisors.

My heirs, though willing, are not financial experts and will be relieved to be able to turn to Ivon and Hughes Trustco. In arranging annuities has made it possible for me to enjoy lifelong monthly income to add to pensions - Allowing me security and peace of mind.

Without the thoughtful expertise of Hughes Trustco and Ivon, my old age would be far from ideal.

Pamala Turpin

Pamela Taylor                         


Our Broker Network

At Life Annuities.com, we have licensed brokers available across Canada who are available to meet with you either digitally or in person. As brokers, we work independently, free from any ties to investment or insurance firms. This independence grants you the flexibility to choose the company offering the most competitive pricing for your desire product. Our role is to address your inquiries and assist you in transforming your concepts into a practical and achievable plan.

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