2025 Best Annuity Rates in Canada

Annuity Comparison Tables

2025 annuity rates
Figure 1. Annuity Rates 2025

Annuity Rates as of Jun 2, 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 Jun 2, 2025

Single Life: Male, no guarantee option

Company 55 60 65 70 75 80
BMO Insurance 487.76 529.00 582.70 658.11 755.67 929.01
Canada Life 452.97 488.35 538.54 614.54 731.86 921.06
Desjardins 473.68 513.58 568.79 648.13 753.35 897.34
Empire Life 443.81 484.63 540.76 617.64 720.61 -
Manulife Investments 487.28 529.56 584.56 660.41 776.01 964.10
RBC Life Insurance 450.42 487.95 539.75 616.30 734.51 922.86
Sun Life Assurance 463.66 499.72 551.02 629.08 751.48 932.36

Single Life: Male, 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 484.53 521.31 570.52 633.27 675.56 764.32
Canada Life 448.86 481.59 526.70 590.20 675.88 778.69
Desjardins 470.08 507.59 558.12 626.05 703.71 802.35
Empire Life 440.33 477.75 526.23 588.48 669.33 772.35
Equitable 486.58 522.81 571.56 628.30 692.92 759.08
Manulife Investments 481.87 520.08 566.82 626.40 700.83 775.55
RBC Life Insurance 450.59 513.84 569.77 633.03 690.95 798.62
Sun Life Assurance 460.33 493.29 537.64 601.07 684.94 772.45

Single Life: Female, no guarantee option

Company 55 60 65 70 75 80
BMO Insurance 473.04 499.98 544.97 606.62 664.88 815.32
Canada Life 432.08 460.72 501.14 559.00 643.88 776.39
Desjardins 450.84 485.28 532.29 598.14 682.79 810.50
Empire Life 420.83 453.55 498.93 563.50 658.09 -
Manulife Investments 472.14 500.02 545.92 608.65 702.39 845.16
RBC Life Insurance 430.73 464.58 509.97 573.33 669.05 822.27
Sun Life Assurance 442.52 476.72 521.34 586.07 681.56 834.60

Single Life: Female, 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 469.81 495.27 550.88 593.53 631.47 729.00
Canada Life 430.49 457.80 495.49 547.66 619.39 714.15
Desjardins 449.07 481.96 525.76 584.81 654.25 753.39
Empire Life 419.37 450.60 492.72 550.24 628.88 730.98
Equitable 471.16 496.98 544.82 596.51 652.34 734.32
Manulife Investments 468.91 494.16 535.13 588.43 658.55 740.95
RBC Life Insurance 430.52 487.91 550.08 593.07 640.75 743.40
Sun Life Assurance 439.99 471.80 511.58 566.28 635.94 721.49

Joint Life: guarantee option

Company 55 60 65 70 75 80
BMO Insurance 439.10 455.86 487.07 529.70 560.59 664.43
Canada Life 407.11 428.59 459.02 504.11 571.70 677.31
Desjardins 421.85 448.32 485.15 537.63 604.19 716.74
Empire Life 395.03 419.46 453.39 501.44 571.47 -
Manulife Investments 435.62 454.92 491.18 541.72 614.02 725.42
RBC Life Insurance 406.23 431.37 465.59 513.51 584.69 698.25
Sun Life Assurance 417.01 438.30 468.35 517.98 587.54 692.78

Joint Life: 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 438.98 456.69 503.25 536.39 566.60 664.29
Canada Life 407.07 428.49 458.73 503.19 568.35 662.33
Desjardins 421.81 448.22 484.86 536.70 600.81 702.48
Empire Life 395.00 419.35 452.99 500.23 567.95 666.61
Equitable 441.54 459.75 498.46 539.80 586.07 663.71
Manulife Investments 435.53 454.67 490.48 539.65 606.40 694.07
RBC Life Insurance 407.98 445.99 501.51 552.17 600.54 689.41
Sun Life Assurance 416.96 438.14 467.85 516.35 581.11 666.68

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