2025 Best Annuity Rates in Canada

Annuity Comparison Tables

2025 annuity rates
Figure 1. Annuity Rates 2025

Annuity Rates as of Feb 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 Feb 3, 2025

Single Life: Male, no guarantee option

Company 55 60 65 70 75 80
BMO Insurance 485.99 528.42 583.27 659.25 759.67 933.09
Canada Life 445.56 482.71 535.13 613.90 734.54 926.17
Desjardins Fin. Security 470.86 510.84 566.12 645.51 753.35 897.34
Empire Life 433.65 474.89 531.41 608.68 712.07 -
Manulife Investments 441.85 480.69 532.48 608.87 727.10 916.05
RBC Life Insurance 445.91 483.94 535.64 612.15 730.52 919.75
Sun Life Assurance 450.11 486.66 538.91 619.32 743.37 931.60

Single Life: Male, 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 482.21 520.18 568.88 635.37 677.54 766.20
Canada Life 441.48 475.90 523.11 588.91 676.48 779.20
Desjardins Fin. Security 467.30 504.89 555.51 623.54 703.71 802.35
Empire Life 430.29 468.21 517.23 580.08 661.51 765.09
Equitable 482.42 521.09 568.24 625.19 691.65 769.81
Manulife Investments 472.34 510.74 557.77 617.72 677.71 753.77
RBC Life Insurance 442.12 511.85 569.57 632.51 683.17 790.87
Sun Life Assurance 446.99 480.59 526.17 592.29 678.39 772.88

Single Life: Female, no guarantee option

Company 55 60 65 70 75 80
BMO Insurance 468.27 498.82 544.40 607.18 665.43 815.87
Canada Life 422.46 452.07 493.79 552.91 639.23 772.98
Desjardins Fin. Security 448.00 482.52 529.60 595.51 682.79 810.50
Empire Life 410.63 443.83 489.67 554.68 649.65 -
Manulife Investments 460.17 490.38 536.41 599.28 676.25 818.68
RBC Life Insurance 421.26 456.17 502.52 565.79 661.40 814.61
Sun Life Assurance 428.83 463.37 509.30 576.08 672.28 832.20

Single Life: Female, 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 465.10 494.13 536.46 595.13 632.98 730.44
Canada Life 420.92 449.18 488.20 541.67 614.80 710.97
Desjardins Fin. Security 446.26 479.22 523.11 582.25 654.25 753.39
Empire Life 409.23 440.97 483.62 541.70 620.90 723.55
Equitable 463.92 494.04 539.15 588.88 649.33 735.58
Manulife Investments 457.07 484.68 525.88 579.48 634.50 718.10
RBC Life Insurance 421.22 483.29 538.92 592.01 633.12 735.60
Sun Life Assurance 426.46 458.74 500.02 557.05 627.98 720.35

Joint Life: guarantee option

Company 55 60 65 70 75 80
BMO Insurance 434.37 454.72 486.53 530.23 561.10 664.93
Canada Life 397.21 419.53 451.59 498.07 568.20 676.06
Desjardins Fin. Security 419.04 445.60 482.52 535.09 604.19 716.74
Empire Life 384.74 409.73 444.23 492.86 563.42 -
Manulife Investments 423.91 445.55 482.04 532.83 605.35 701.39
RBC Life Insurance 396.59 422.38 457.74 506.27 577.32 690.90
Sun Life Assurance 402.60 424.24 455.56 506.55 578.76 688.60

Joint Life: 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 434.26 455.55 488.92 537.98 568.09 665.74
Canada Life 397.17 419.43 451.29 497.13 564.74 660.79
Desjardins Fin. Security 419.00 445.50 482.23 534.16 600.81 702.48
Empire Life 384.71 409.62 443.85 491.68 559.97 659.15
Equitable 434.26 456.78 492.75 532.11 584.44 665.65
Manulife Investments 423.82 445.31 481.36 530.81 597.86 671.15
RBC Life Insurance 398.51 438.49 494.16 543.09 593.15 681.75
Sun Life Assurance 402.55 424.09 455.09 504.99 572.52 662.89

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