2025 Best Annuity Rates in Canada

Annuity Comparison Tables

2025 annuity rates
Figure 1. Annuity Rates 2025

Annuity Rates as of Jan 1, 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 Jan 1, 2025

Single Life: Male, no guarantee option

Company 55 60 65 70 75 80
BMO Insurance 471.27 514.53 568.98 645.03 745.42 918.53
Canada Life 452.95 490.68 543.88 621.80 745.88 939.62
Desjardins Fin. 468.05 508.10 563.45 642.90 753.35 897.34
Empire Life 435.73 477.07 533.72 611.12 714.61 -
Equitable n.a n.a n.a n.a n.a n.a
Manulife Investments 481.46 523.81 578.90 654.82 757.60 945.00
RBC Life Insurance 445.91 483.94 535.64 612.15 730.52 919.75
Sun Life Assurance 446.72 483.82 536.79 618.14 743.28 932.76

Single Life: Male, 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 473.52 511.73 563.42 632.74 677.54 766.20
Canada Life 448.80 483.77 531.68 596.54 687.03 790.83
Desjardins Fin. 464.52 502.20 552.90 621.03 703.71 802.35
Empire Life 432.35 470.35 519.46 582.38 663.85 767.42
Equitable 474.72 512.43 564.31 632.25 691.13 767.36
Manulife 476.15 514.48 561.39 621.19 684.52 760.19
RBC Life Insurance 446.16 505.46 562.87 632.81 686.51 794.18
Sun Life Assurance 443.66 477.83 524.19 591.29 678.51 774.11

Single Life: Female, no guarantee option

Company 55 60 65 70 75 80
BMO Insurance 452.31 484.97 530.84 593.29 651.84 802.04
Canada Life 429.48 459.59 501.96 561.94 649.41 784.78
Desjardins Fin. 445.18 479.76 526.91 592.89 682.79 810.50
Empire Life 412.65 445.93 491.87 557.00 652.10 -
Equitable n.a n.a n.a n.a n.a n.a
Manulife Investments 462.47 494.23 540.21 603.03 683.95 826.48
RBC Life Insurance 425.75 460.18 505.89 569.17 664.90 818.35
Sun Life Assurance 425.33 460.35 506.96 574.60 671.80 832.91

Single Life: Female, 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 452.20 487.30 531.49 590.86 628.96 726.60
Canada Life 427.92 456.65 496.28 550.52 624.62 721.94
Desjardins Fin. 443.45 476.49 520.47 579.70 654.25 753.39
Empire Life 411.23 443.05 485.79 543.96 623.23 725.89
Equitable 453.79 488.24 531.81 589.97 650.37 732.59
Manulife Investments 459.34 488.47 529.58 583.06 641.58 724.83
RBC Life Insurance 425.58 480.71 530.74 590.68 636.37 738.90
Sun Life Assurance 423.00 455.80 497.80 555.73 627.69 721.18

Joint Life: guarantee option

Company 55 60 65 70 75 80
BMO Insurance 418.57 441.16 473.44 517.06 548.58 652.54
Canada Life 403.83 426.56 459.15 506.35 577.48 686.74
Desjardins Fin. 416.23 442.88 479.89 532.55 604.19 716.74
Empire Life 386.68 411.73 446.32 495.04 565.70 -
Equitable n.a n.a n.a n.a n.a n.a
Manulife Investments 426.16 449.30 485.69 536.38 608.82 708.47
RBC Life Insurance 401.13 426.63 461.38 509.46 580.59 694.30
Sun Life Assurance 398.82 420.87 452.82 504.65 577.85 688.80

Joint Life: 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 421.37 448.76 483.99 533.75 564.11 661.88
Canada Life 403.79 426.45 458.85 505.39 573.96 671.24
Desjardins Fin. 416.19 442.78 479.61 531.63 600.81 702.48
Empire Life 386.64 411.62 445.93 493.86 562.23 661.47
Equitable 424.09 450.98 485.44 535.37 583.92 663.15
Manulife Investments 426.07 449.05 485.00 534.34 601.28 677.90
RBC Life Insurance 403.00 438.51 488.99 540.69 594.58 685.12
Sun Life Assurance 398.77 420.73 452.36 503.11 571.65 663.14

© 2025 Life Annuities.com Inc. All rights reserved. Update Tables

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