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Great-West Life
Industrial Alliance
ivari
Manulife
RBC Insurance
Sun Life
2025 Best Annuity Rates in Canada
Annuity Comparison Tables
Annuity Rates as of Nov 4, 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 Nov 4, 2025
Single Life: Male, no guarantee option
| Company | 55 | 60 | 65 | 70 | 75 | 80 |
|---|---|---|---|---|---|---|
| BMO Insurance | 478.31 | 516.83 | 571.26 | 643.90 | 752.82 | 926.09 |
| Canada Life | 454.30 | 488.97 | 538.50 | 613.18 | 728.85 | 916.33 |
| Desjardins | 465.25 | 505.37 | 560.78 | 640.28 | 743.10 | 887.58 |
| Empire Life | 427.45 | 468.38 | 524.53 | 601.38 | 704.46 | - |
| Manulife Investments | 477.54 | 514.56 | 568.07 | 644.26 | 746.02 | 909.20 |
| RBC Life Insurance | 446.81 | 487.65 | 542.31 | 617.93 | 734.63 | 920.87 |
| Sun Life Assurance | 457.79 | 493.11 | 543.36 | 619.95 | - | - |
Single Life: Male, 10 year guarantee option
| Company | 55 | 60 | 65 | 70 | 75 | 80 |
|---|---|---|---|---|---|---|
| BMO Insurance | 481.39 | 520.51 | 568.49 | 628.53 | 674.57 | 763.38 |
| Canada Life | 450.14 | 482.15 | 526.58 | 588.77 | 672.91 | 774.36 |
| Desjardins | 461.74 | 499.51 | 550.30 | 618.52 | 694.15 | 793.26 |
| Empire Life | 424.15 | 461.82 | 510.58 | 573.19 | 654.49 | 758.13 |
| Equitable | 481.56 | 520.67 | 568.74 | 629.52 | 673.28 | 735.70 |
| Manulife Investments | 472.32 | 505.36 | 550.68 | 613.35 | 678.84 | 718.64 |
| RBC Life Insurance | 447.37 | 512.48 | 567.61 | 628.14 | 690.28 | 794.63 |
| Sun Life Assurance | 454.47 | 486.71 | 578.38 | 592.16 | - | - |
Single Life: Female, no guarantee option
| Company | 55 | 60 | 65 | 70 | 75 | 80 |
|---|---|---|---|---|---|---|
| BMO Insurance | 467.09 | 488.42 | 533.09 | 592.74 | 662.16 | 812.55 |
| Canada Life | 433.41 | 461.77 | 501.65 | 557.99 | 641.45 | 772.47 |
| Desjardins | 442.36 | 477.01 | 524.23 | 590.27 | 672.58 | 800.67 |
| Empire Life | 404.63 | 437.56 | 483.09 | 547.74 | 642.33 | - |
| Manulife Investments | 462.78 | 494.36 | 540.44 | 599.74 | 682.45 | 804.22 |
| RBC Life Insurance | 425.48 | 461.27 | 509.99 | 575.62 | 669.83 | 816.73 |
| Sun Life Assurance | 436.99 | 470.50 | 514.19 | 577.62 | - | - |
Single Life: Female, 10 year guarantee option
| Company | 55 | 60 | 65 | 70 | 75 | 80 |
|---|---|---|---|---|---|---|
| BMO Insurance | 471.71 | 495.38 | 556.91 | 598.01 | 631.97 | 729.48 |
| Canada Life | 431.80 | 458.81 | 495.95 | 546.60 | 616.96 | 710.36 |
| Desjardins | 440.64 | 473.77 | 517.83 | 577.15 | 644.51 | 744.09 |
| Empire Life | 403.25 | 434.76 | 477.15 | 534.96 | 613.94 | 716.55 |
| Equitable | 468.37 | 495.57 | 541.25 | 595.47 | 633.06 | 702.16 |
| Manulife Investments | 459.59 | 488.44 | 529.45 | 579.45 | 638.97 | 702.12 |
| RBC Life Insurance | 425.49 | 486.91 | 556.07 | 597.50 | 640.84 | 740.96 |
| Sun Life Assurance | 434.47 | 465.60 | 504.48 | 557.98 | - | - |
Joint Life: guarantee option
| Company | 55 | 60 | 65 | 70 | 75 | 80 |
|---|---|---|---|---|---|---|
| BMO Insurance | 433.20 | 444.54 | 475.61 | 516.53 | 558.08 | 661.95 |
| Canada Life | 409.26 | 430.12 | 459.65 | 503.57 | 569.65 | 673.84 |
| Desjardins | 413.42 | 440.17 | 477.27 | 530.02 | 594.44 | 707.26 |
| Empire Life | 378.97 | 403.75 | 438.01 | 486.35 | 556.62 | - |
| Manulife Investments | 429.95 | 452.31 | 488.46 | 532.61 | 595.13 | 692.82 |
| RBC Life Insurance | 400.65 | 426.71 | 463.45 | 514.41 | 585.79 | 697.92 |
| Sun Life Assurance | 411.97 | 432.79 | 462.13 | 510.64 | - | - |
Joint Life: 10 year guarantee option
| Company | 55 | 60 | 65 | 70 | 75 | 80 |
|---|---|---|---|---|---|---|
| BMO Insurance | 440.87 | 456.80 | 509.24 | 540.84 | 567.10 | 664.77 |
| Canada Life | 409.22 | 430.01 | 459.36 | 502.64 | 566.29 | 658.88 |
| Desjardins | 413.38 | 440.07 | 476.99 | 529.11 | 591.12 | 693.16 |
| Empire Life | 378.94 | 403.65 | 437.63 | 485.19 | 553.20 | 652.21 |
| Equitable | 438.73 | 458.34 | 494.91 | 538.76 | 566.36 | 631.44 |
| Manulife | 429.86 | 452.06 | 487.90 | 530.42 | 587.09 | 659.95 |
| RBC Life Insurance | 402.65 | 443.13 | 503.35 | 556.36 | 602.67 | 688.32 |
| Sun Life Assurance | 411.92 | 432.63 | 461.63 | 509.02 | - | - |
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