LifeAnnuities.com: Canada's annuity authority

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.

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Male Annuity Rate

Age 70, Deposit $100,000
$571.85 /mo

Female Annuity Rate

Age 70, Deposit $100,000
$527.09 /mo

Joint Annuity Rate

Male 70, Female 70, Deposit $100,000
$472.90 /mo

GIC

A GIC is a safe investment.
You can choose List 1 for rates from all companies. Or List 2 for GIC's you can buy online. Do not invest more than $100,000 in any company in the same name.

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1 Year

1.50%

June 9, 2021

Today's Best GIC
70+ Financial Institutions

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3 Year

1.80%

June 9, 2021

Today's Best GIC
70+ Financial Institutions

See all GIC Rates

RRSP

For retirement the go-to choice is an RRSP. You have annual limits for investments in GIC’s, mutual funds, segfunds and ETF’s.
You can add funds to fill unused contribution room. And you can have RRSP investments with different companies.

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1 Year

1.50%

June 9, 2021

Today's RRSP
40+ Financial Institutions

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3 Year

1.70%

June 9, 2021

Today's Best RRSP
40+ Financial Institutions

See all RRSP Rates

RRIF

RRIF’s hold GIC’s, mutual funds, segregated funds and ETF’s; also stocks, bonds and options. You can invest in any or all of these products. You must buy an annuity or RRIF by age 71. You can withdraw more than the minimum yearly amount.

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1 Year

1.40%

June 9, 2021

Today's Best RRIF
15+ Financial Institutions

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3 Year

1.70%

June 9, 2021

Today's Best RRIF
15+ Financial Institutions

See all RRIF Rates

TFSA

You invest tax-paid money and any gain is tax free. Money can be withdrawn, added or reinvested anytime. There are yearly limits on contribution amounts. There are no older age limits. It can be used as a bank account. You can have multiple TFSA's.

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1 Year

1.50%

June 9, 2021

Today's Best TFSA
30+ Financial Institutions

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3 Year

1.70%

June 9, 2021

Today's Best TFSA
30+ Financial Institutions

See all TFSA Rates

Testimonials

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

Client

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.

Pamela Taylor

Client

Our Broker Network

We have licensed brokers in your province who can visit you digitally or face to face. The broker works independently of any investment or insurance company. This means that you get to choose the company with the best pricing for the product you need. He or she will answer your questions and help you convert your ideas into a feasible plan.

PRODUCTS

Annuity Rates

Male Annuity Rate

Age 70, Deposit $100,000 $571.85 /mo

Female Annuity Rate

Age 70, Deposit $100,000$527.09 /mo

Joint Annuity Rate

Male 70, Female 70, Deposit $100,000 $472.90 /mo

GIC

1 Year

3 Year

RRSP

1 Year

3 Year

RRIF

1 Year

3 Year

TFSA

1 Year

3 Year

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 .

Segfunds

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.

ETF's

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.

INSURANCE

What is term insurance?

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

Testimonials

Our Broker Network

Get Latest Updates!

Age 70, Deposit $100,000
$571.85 /mo

Age 70, Deposit $100,000
$527.09 /mo

Male 70, Female 70, Deposit $100,000
$472.90 /mo