2025 Best Annuity Rates in Canada

Annuity Comparison Tables

2025 annuity rates
Figure 1. Annuity Rates 2025

Annuity Rates as of May 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 May 1, 2025

Single Life: Male, no guarantee option

Company 55 60 65 70 75 80
BMO Insurance 483.03 524.93 578.69 654.12 751.68 924.93
Canada Life 458.77 493.91 543.97 619.47 736.04 924.54
Desjardins 473.68 513.58 568.79 648.13 753.35 897.34
Empire Life 435.21 476.16 532.38 609.33 712.43 -
Manulife Investments 489.53 531.78 586.75 662.58 778.17 966.34
RBC Life Insurance 445.33 483.76 535.48 611.88 729.90 917.86
Sun Life Assurance 458.31 494.25 545.38 623.15 745.10 925.36

Single Life: Male, 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 481.04 519.05 569.97 632.21 674.57 763.38
Canada Life 454.58 487.04 531.96 594.86 679.66 781.58
Desjardins 470.08 507.59 558.12 626.05 703.71 802.35
Empire Life 431.83 469.45 518.15 580.67 661.82 765.20
Equitable 481.83 519.92 571.00 633.19 699.68 758.10
Manulife Investments 484.09 522.25 568.92 628.42 702.75 777.36
RBC Life Insurance 445.63 511.33 569.35 632.12 686.49 794.21
Sun Life Assurance 455.03 487.90 532.15 595.40 679.07 766.41

Single Life: Female, no guarantee option

Company 55 60 65 70 75 80
BMO Insurance 470.65 495.92 541.00 602.17 660.53 810.89
Canada Life 437.68 466.35 506.63 563.42 648.05 779.67
Desjardins 450.84 485.28 532.29 598.14 682.79 810.50
Empire Life 412.29 445.19 490.72 555.41 650.09 -
Manulife Investments 477.09 502.26 548.13 610.83 704.55 847.35
RBC Life Insurance 424.90 459.58 505.65 568.97 664.54 817.49
Sun Life Assurance 437.31 471.37 515.85 580.35 675.50 827.99

Single Life: Female, 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 467.45 492.42 543.66 592.99 630.97 728.52
Canada Life 436.06 463.37 500.89 551.94 623.35 717.10
Desjardins 449.07 481.96 525.76 584.81 654.25 753.39
Empire Life 410.87 442.32 484.65 542.40 621.30 723.71
Equitable 468.16 492.91 543.68 593.77 655.49 728.85
Manulife Investments 473.81 496.37 537.28 590.51 660.54 742.85
RBC Life Insurance 424.85 485.41 542.90 592.68 636.51 739.11
Sun Life Assurance 434.81 466.51 506.20 560.76 630.26 715.62

Joint Life: guarantee option

Company 55 60 65 70 75 80
BMO Insurance 436.73 451.88 483.24 525.47 556.58 660.46
Canada Life 412.89 434.05 464.20 507.85 572.43 665.58
Desjardins 421.85 448.32 485.15 537.63 604.19 716.74
Empire Life 386.52 411.21 445.38 493.66 563.90 -
Manulife Investments 440.48 457.10 493.31 543.79 616.03 727.41
RBC Life Insurance 400.23 425.89 461.00 509.31 580.35 693.74
Sun Life Assurance 411.92 433.15 463.14 512.63 581.97 686.87

Joint Life: 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 436.62 453.85 496.06 535.86 566.10 663.81
Canada Life 405.67 428.04 459.64 505.23 571.84 667.23
Desjardins 421.81 448.22 484.86 536.70 600.81 702.48
Empire Life 386.49 411.10 445.00 492.48 560.44 659.35
Equitable 438.52 455.68 497.33 537.07 592.87 658.21
Manulife Investments 440.39 456.84 492.60 541.71 608.39 695.97
RBC Life Insurance 402.16 441.56 497.88 548.08 596.82 685.12
Sun Life Assurance 411.87 433.00 462.65 511.01 575.60 660.93

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