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Welcome to is the life annuity authority in Canada advising Canadians across the country for 44 years and online since 1999. We provide annuity rates and quotes from all the companies and, most importantly, advice on how and when and if to buy an annuity. A life annuity needs to be designed for you personally as your monthly income can easily be 10% to 20% more with the highest company.

Below you will find various features of life annuities, but please call us toll free at 1-877-842-3863 or at 514-842-9001 for anything you don't quite understand.

If you're just getting started with Life Annuities, we recommend clicking below where you can get a good idea of your monthly income by clicking "Annuity Calculator" or receive a more specific figure by clicking "Annuity Quote".

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How does an annuity work?

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What kind of Annuity is right for me?

Choose the right annuity that best suits your needs.

3 Types of Annuities in Canada

Add Options To Your Life Annuity

Choose the right annuity that best suits your needs.

1 Adding a Partner

If you wish, you can add a partner to your life annuity. Also some companies permit children at various ages to partner with a parent.

2 Guarantee Periods

All life annuities can be guaranteed for a various number of years. For registered policies, the guarantee period can be to age 90 or extended to age 90 of the younger partner. For non registered annuities purchased with savings, the age limit is that offered by each individual insurance company. Most offer policies for up to 30 years with some going as far as 40 years or age 100. But in fact we have a lady for whom we negotiated a policy to age 115!

REMEMBER that all life annuities are paid for life, with or without any guaranteed period.

3 Indexation

Indexed annuities are mostly used to protect the annuity purchaser from inflation, though sometimes for legal reasons. Most companies offer an indexation rate of 2% to 4% and your monthly payment will be increased by the chosen percentage each year.

4 Deferred Life Annuities

Most annuities are immediate but you can have non registered policies deferred up to 10 years which gives you flexibility in your planning.

5 Total Payout (cash refund)

A life annuity can be structured so that the total premium paid is returned.

6 Reducing Payment (joint life only)

At purchase, the annuitant can decide if the payments are to remain level for the lifetime for both annuitants. If not, payments can be reduced by certain percentages on the death of either annuitant.

Get Quotes from ALL the Annuity Companies

We shop the annuity market so you don't have to. We provide comparison quotes from all the companies.

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