2025 Best Annuity Rates in Canada
Annuity Comparison Tables

Annuity Rates as of Oct 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 Oct 1, 2025
Single Life: Male, no guarantee option
Company | 55 | 60 | 65 | 70 | 75 | 80 |
---|---|---|---|---|---|---|
BMO Insurance | 484.21 | 522.62 | 576.97 | 649.57 | 752.82 | 926.09 |
Canada Life | 456.28 | 490.61 | 540.20 | 614.69 | 730.69 | 918.12 |
Desjardins | 470.86 | 510.84 | 566.12 | 645.51 | 748.22 | 892.46 |
Empire Life | 433.13 | 473.98 | 530.08 | 606.89 | 709.89 | - |
Manulife Investments | 482.14 | 519.40 | 573.13 | 649.27 | 750.50 | 912.85 |
RBC Life Insurance | 447.41 | 488.21 | 542.77 | 618.33 | 735.05 | 921.33 |
Sun Life Assurance | 465.69 | 501.00 | 551.22 | 627.75 | - | - |
Single Life: Male, 10 year guarantee option
Company | 55 | 60 | 65 | 70 | 75 | 80 |
---|---|---|---|---|---|---|
BMO Insurance | 484.88 | 525.04 | 569.59 | 629.06 | 674.57 | 763.38 |
Canada Life | 452.08 | 483.74 | 528.20 | 590.16 | 674.52 | 775.78 |
Desjardins | 467.30 | 504.89 | 555.51 | 623.54 | 698.92 | 797.80 |
Empire Life | 429.77 | 467.31 | 515.93 | 578.37 | 659.48 | 762.88 |
Equitable | 484.20 | 532.69 | 574.38 | 640.83 | 698.12 | 757.12 |
Manulife Investments | 476.84 | 510.07 | 555.54 | 618.02 | 682.82 | 721.65 |
RBC Life Insurance | 447.96 | 520.44 | 570.71 | 637.12 | 690.67 | 797.35 |
Sun Life Assurance | 462.29 | 494.46 | 537.67 | 599.53 | - | - |
Single Life: Female, no guarantee option
Company | 55 | 60 | 65 | 70 | 75 | 80 |
---|---|---|---|---|---|---|
BMO Insurance | 473.04 | 494.19 | 538.74 | 598.28 | 662.16 | 812.55 |
Canada Life | 435.72 | 464.00 | 503.50 | 559.93 | 643.42 | 774.35 |
Desjardins | 448.00 | 482.52 | 529.60 | 595.51 | 677.68 | 805.58 |
Empire Life | 410.28 | 443.09 | 488.52 | 553.09 | 647.64 | - |
Manulife Investments | 467.11 | 498.95 | 545.27 | 604.80 | 686.96 | 807.81 |
RBC Life Insurance | 426.09 | 461.87 | 510.52 | 576.03 | 670.24 | 817.15 |
Sun Life Assurance | 444.76 | 478.30 | 521.95 | 585.32 | - | - |
Single Life: Female, 10 year guarantee option
Company | 55 | 60 | 65 | 70 | 75 | 80 |
---|---|---|---|---|---|---|
BMO Insurance | 477.63 | 497.10 | 558.59 | 598.55 | 631.97 | 729.48 |
Canada Life | 434.09 | 461.02 | 497.76 | 548.47 | 618.80 | 712.01 |
Desjardins | 446.26 | 479.22 | 523.11 | 582.25 | 649.37 | 748.74 |
Empire Life | 408.87 | 440.24 | 482.49 | 540.15 | 618.97 | 721.37 |
Equitable | 475.37 | 501.65 | 547.66 | 593.77 | 656.54 | 731.83 |
Manulife Investments | 463.88 | 492.95 | 534.15 | 584.27 | 643.11 | 705.20 |
RBC Life Insurance | 426.09 | 490.34 | 558.01 | 598.30 | 641.32 | 742.24 |
Sun Life Assurance | 442.17 | 473.28 | 512.05 | 565.34 | - | - |
Joint Life: guarantee option
Company | 55 | 60 | 65 | 70 | 75 | 80 |
---|---|---|---|---|---|---|
BMO Insurance | 439.10 | 450.18 | 481.06 | 521.79 | 558.08 | 661.95 |
Canada Life | 411.07 | 432.04 | 461.78 | 505.48 | 571.64 | 675.89 |
Desjardins | 419.04 | 445.60 | 482.52 | 535.09 | 599.31 | 712.00 |
Empire Life | 384.58 | 409.20 | 443.30 | 491.49 | 561.63 | - |
Manulife Investments | 433.89 | 456.48 | 492.82 | 537.40 | 599.32 | 696.49 |
RBC Life Insurance | 401.25 | 427.29 | 464.00 | 514.88 | 586.19 | 698.31 |
Sun Life Assurance | 419.68 | 440.47 | 469.71 | 518.10 | - | - |
Joint Life: 10 year guarantee option
Company | 55 | 60 | 65 | 70 | 75 | 80 |
---|---|---|---|---|---|---|
BMO Insurance | 446.81 | 458.51 | 510.91 | 541.37 | 567.10 | 664.77 |
Canada Life | 411.02 | 431.93 | 461.48 | 504.54 | 568.26 | 660.87 |
Desjardins | 419.00 | 445.50 | 482.23 | 534.16 | 595.96 | 697.82 |
Empire Life | 384.55 | 409.10 | 442.92 | 490.31 | 558.18 | 657.03 |
Equitable | 445.77 | 467.34 | 501.30 | 544.17 | 591.30 | 661.21 |
Manulife Investments | 433.80 | 456.22 | 492.26 | 535.19 | 591.20 | 663.45 |
RBC Life Insurance | 403.25 | 444.89 | 506.19 | 557.90 | 603.37 | 689.04 |
Sun Life Assurance | 419.63 | 440.31 | 469.20 | 516.45 | - | - |
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