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 Oct 1, 2026

Single Life: Male, no guarantee option

Company	55	60	65	70	75	80
BMO Insurance	514.93	548.58	597.09	673.28	761.96	935.42
Canada Life	484.23	519.14	568.85	643.77	760.33	948.94
Desjardins	503.68	542.79	597.14	675.54	777.02	919.26
Empire Life	463.20	503.36	558.82	634.97	737.09	-
Manulife Investments	513.67	548.80	598.53	669.98	769.66	911.85
RBC Life Insurance	482.62	518.62	569.80	643.96	760.65	932.13
Sun Life Assurance	501.54	537.25	588.12	666.05	-	-

Single Life: Male, 10 year guarantee option

Company	55	60	65	70	75	80
BMO Insurance	517.17	545.24	594.90	657.35	697.95	785.56
Canada Life	479.77	511.88	556.29	618.35	702.74	804.51
Desjardins	499.80	536.40	585.91	652.65	726.41	823.88
Empire Life	459.56	496.23	543.91	605.30	685.34	787.67
Equitable	517.76	548.26	599.45	662.62	712.83	788.69
Manulife Investments	508.18	542.89	596.76	648.11	722.59	789.48
RBC Life Insurance	482.22	538.83	594.64	657.43	724.23	819.39
Sun Life Assurance	497.94	530.36	573.98	636.89	-	-

Single Life: Female, no guarantee option

Company	55	60	65	70	75	80
BMO Insurance	500.72	530.43	573.01	628.48	682.29	833.00
Canada Life	463.58	491.99	531.96	588.71	672.78	804.39
Desjardins	481.10	514.80	561.01	626.00	706.98	833.24
Empire Life	440.58	472.70	517.47	581.41	675.35	-
Manulife Investments	499.00	529.69	573.61	630.58	699.86	827.33
RBC Life Insurance	464.12	496.12	539.99	601.78	696.08	836.67
Sun Life Assurance	480.25	514.38	558.70	623.27	-	-

Single Life: Female, 10 year guarantee option

Company	55	60	65	70	75	80
BMO Insurance	502.44	525.06	562.51	620.60	649.02	745.74
Canada Life	461.85	488.83	525.92	576.74	647.34	740.70
Desjardins	479.18	511.23	554.09	612.05	677.66	775.56
Empire Life	439.04	469.61	511.02	567.78	645.63	746.94
Equitable	503.50	527.56	566.90	620.90	673.22	756.55
Manulife Investments	495.31	523.21	563.51	622.18	673.97	753.42
RBC Life Insurance	463.64	517.91	562.41	619.39	667.04	766.77
Sun Life Assurance	477.45	509.00	548.16	602.28	-	-

Joint Life: guarantee option

Company	55	60	65	70	75	80
BMO Insurance	466.57	485.75	514.21	550.49	576.67	680.31
Canada Life	438.76	459.61	489.27	533.05	599.08	704.01
Desjardins	452.06	477.61	513.45	564.85	627.62	738.93
Empire Life	414.87	438.56	471.71	518.95	588.16	-
Manulife Investments	464.45	486.42	520.87	560.15	618.23	714.66
RBC Life Insurance	440.08	463.57	495.77	541.97	611.42	717.04
Sun Life Assurance	454.51	475.38	504.64	553.64	-	-

Joint Life: 10 year guarantee option

Company	55	60	65	70	75	80
BMO Insurance	471.70	486.41	514.81	563.30	584.05	681.15
Canada Life	438.72	459.50	488.96	532.09	595.62	688.79
Desjardins	452.02	477.50	513.15	563.89	624.18	724.61
Empire Life	414.83	438.44	471.30	517.72	584.62	682.47
Equitable	474.22	490.56	520.70	566.51	606.50	686.04
Manulife Investments	464.35	486.17	521.00	567.82	619.60	700.20
RBC Life Insurance	441.66	477.67	526.32	570.79	624.18	713.75
Sun Life Assurance	454.46	475.21	504.12	551.94	-	-

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