2026 Best Annuity Rates in Canada

Annuity Comparison Tables

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

Select Annuity Type

Single Life — Male
Single Life — Female
Joint Life — Male & Female

Annuity Rates as of Apr 1, 2026

Single Life: Male, no guarantee option

Company	55	60	65	70	75	80
BMO Insurance	495.48	530.74	582.70	660.40	754.24	927.55
Canada Life	460.11	494.57	544.47	619.27	734.74	921.58
Desjardins	484.36	523.78	578.44	657.13	753.78	897.16
Empire Life	445.79	486.23	541.90	618.22	720.64	-
Manulife Investments	491.46	527.88	580.21	652.07	757.67	892.64
RBC Life Insurance	462.71	501.37	552.93	626.53	742.56	920.20
Sun Life Assurance	480.87	516.20	566.52	643.49	-	-

Single Life: Male, 10 year guarantee option

Company	55	60	65	70	75	80
BMO Insurance	503.01	524.47	576.16	639.07	682.25	770.67
Canada Life	455.93	487.74	532.55	594.91	679.06	780.61
Desjardins	480.69	517.69	567.66	634.96	704.71	803.28
Empire Life	442.35	479.45	527.60	589.55	670.21	773.28
Equitable	496.09	524.32	575.59	638.45	687.81	764.02
Manulife Investments	490.79	521.98	572.46	630.96	705.66	771.28
RBC Life Insurance	462.91	516.10	571.00	634.34	705.91	804.93
Sun Life Assurance	477.44	509.61	552.92	615.30	-	-

Single Life: Female, no guarantee option

Company	55	60	65	70	75	80
BMO Insurance	482.61	511.04	552.94	610.52	669.80	820.31
Canada Life	439.48	467.95	507.66	563.94	647.57	778.44
Desjardins	461.76	495.75	542.27	607.56	683.78	810.97
Empire Life	423.26	455.77	500.88	565.09	659.23	-
Manulife Investments	478.38	507.36	549.96	608.46	681.81	808.33
RBC Life Insurance	442.27	476.74	522.88	584.66	678.47	819.98
Sun Life Assurance	460.06	493.76	537.63	601.47	-	-

Single Life: Female, 10 year guarantee option

Company	55	60	65	70	75	80
BMO Insurance	488.35	509.15	553.00	601.22	631.97	729.48
Canada Life	437.86	464.98	501.96	552.55	623.13	716.60
Desjardins	459.95	492.37	535.65	594.11	655.52	754.47
Empire Life	421.81	452.83	494.71	551.96	630.34	732.31
Equitable	477.94	504.57	544.62	599.36	651.11	731.51
Manulife Investments	478.45	506.02	546.13	599.96	654.81	736.10
RBC Life Insurance	442.13	495.96	551.13	595.42	650.09	751.27
Sun Life Assurance	457.39	488.62	527.52	581.21	-	-

Joint Life: guarantee option

Company	55	60	65	70	75	80
BMO Insurance	448.59	466.70	494.77	533.41	565.13	668.91
Canada Life	414.56	435.82	465.82	509.73	575.64	680.31
Desjardins	432.87	458.84	495.12	546.99	605.42	717.40
Empire Life	397.59	421.81	455.48	503.22	572.88	-
Manulife Investments	443.73	465.34	498.90	546.87	603.25	697.43
RBC Life Insurance	417.87	442.99	477.94	525.60	594.79	701.85
Sun Life Assurance	434.72	455.43	484.57	533.18	-	-

Joint Life: 10 year guarantee option

Company	55	60	65	70	75	80
BMO Insurance	457.55	470.52	505.35	544.03	567.10	664.77
Canada Life	414.52	435.71	465.52	508.81	572.32	665.53
Desjardins	432.83	458.74	494.84	546.06	602.10	703.42
Empire Life	397.55	421.70	455.10	502.05	569.45	667.82
Equitable	448.50	467.50	498.43	542.79	584.43	660.85
Manulife Investments	448.21	469.68	504.27	548.93	602.47	683.30
RBC Life Insurance	419.80	455.64	506.88	554.37	606.87	697.82
Sun Life Assurance	434.67	455.28	484.07	531.54	-	-

© 2026 Life Annuities.com Inc. All rights reserved. Update Tables