2025 Best Annuity Rates in Canada

Annuity Comparison Tables

2025 annuity rates
Figure 1. Annuity Rates 2025

Annuity Rates as of Mar 3, 2025

The following monthly annuity rates are based on a premium of $100,000.00 of registered funds. Payments will commence in one month.

Single Life: Male
Single Life Female
Joint Life

Annuity Rates as of Mar 3, 2025

Single Life: Male, no guarantee option

Company 55 60 65 70 75 80
BMO Insurance 480.08 522.04 575.83 650.71 748.26 921.43
Canada Life 445.21 482.37 535.24 613.86 734.75 927.09
Desjardins 462.45 502.64 558.12 637.68 743.10 887.58
Empire Life 428.73 469.90 526.33 603.48 706.81 -
Manulife Investments 471.47 513.94 569.17 645.21 760.80 948.32
RBC Life Insurance 432.25 472.57 525.62 601.71 719.59 907.80
Sun Life Assurance 440.20 476.12 527.68 607.37 730.60 917.82

Single Life: Male, 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 479.88 517.92 568.88 631.69 674.08 762.91
Canada Life 441.12 475.56 523.20 588.83 676.60 779.77
Desjardins 458.98 496.82 547.70 616.02 694.15 793.26
Empire Life 425.42 463.32 512.33 575.19 656.67 760.39
Equitable 470.60 507.26 557.59 621.93 680.27 759.03
Manulife Investments 466.33 504.85 552.06 612.23 687.35 762.86
RBC Life Insurance 432.94 507.67 568.18 631.50 676.33 784.11
Sun Life Assurance 437.17 470.21 515.26 580.93 666.77 761.24

Single Life: Female, no guarantee option

Company 55 60 65 70 75 80
BMO Insurance 463.52 493.03 537.61 599.39 657.81 808.12
Canada Life 421.52 451.63 493.51 552.32 638.90 773.16
Desjardins 439.54 474.27 521.55 587.66 672.58 800.67
Empire Life 405.80 438.96 484.75 549.68 644.55 -
Manulife Investments 456.32 484.30 530.40 593.35 687.15 829.73
RBC Life Insurance 410.90 446.82 494.84 558.79 654.12 806.82
Sun Life Assurance 419.30 453.18 498.44 564.56 660.10 819.12

Single Life: Female, 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 461.57 491.28 536.46 591.93 629.96 727.56
Canada Life 419.98 448.74 487.91 541.07 614.45 711.03
Desjardins 437.84 471.05 515.20 574.61 644.51 744.09
Empire Life 404.42 436.15 478.79 536.85 616.06 718.80
Equitable 454.98 477.27 521.15 584.52 639.42 725.64
Manulife Investments 453.25 478.70 520.04 573.83 644.53 727.63
RBC Life Insurance 410.99 480.87 535.55 591.52 626.13 728.44
Sun Life Assurance 416.99 448.67 489.40 545.97 616.66 708.93

Joint Life: guarantee option

Company 55 60 65 70 75 80
BMO Insurance 429.67 449.05 479.96 522.84 554.07 657.98
Canada Life 396.36 418.96 451.13 498.01 568.01 676.36
Desjardins 410.63 437.46 474.66 527.49 594.44 707.26
Empire Life 380.00 405.00 439.50 488.11 558.64 -
Manulife Investments 420.14 439.66 476.28 527.21 599.87 711.41
RBC Life Insurance 386.15 412.60 449.30 499.24 570.55 683.84
Sun Life Assurance 393.56 414.66 445.40 495.78 567.47 676.80

Joint Life: 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 430.73 452.72 488.92 534.81 565.10 662.85
Canada Life 396.32 418.86 450.84 497.06 564.54 661.02
Desjardins 410.59 437.37 474.38 526.58 591.12 693.16
Empire Life 379.96 404.89 439.12 486.94 555.22 654.42
Equitable 425.28 441.76 476.50 527.77 573.02 654.67
Manulife Investments 420.06 439.42 475.60 525.22 592.47 680.70
RBC Life Insurance 388.16 432.14 494.17 543.97 589.26 674.76
Sun Life Assurance 393.52 414.52 444.94 494.26 561.36 651.49

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