2025 Best Annuity Rates in Canada

Annuity Comparison Tables

2025 annuity rates
Figure 1. Annuity Rates 2025

Annuity Rates as of Aug 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 Aug 1, 2025

Single Life: Male, no guarantee option

Company 55 60 65 70 75 80
BMO Insurance 500.25 541.84 595.35 667.83 765.39 938.93
Canada Life 465.72 500.63 550.97 626.44 743.70 932.74
Desjardins 479.32 519.09 574.15 653.38 758.49 902.24
Empire Life 449.58 490.31 546.38 623.20 726.07 -
Manulife Investments 497.93 540.07 594.91 667.92 783.51 971.86
RBC Life Insurance 456.33 493.70 545.64 622.42 740.88 929.81
Sun Life Assurance 472.82 508.57 559.37 636.76 758.44 938.65

Single Life: Male, 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 497.37 531.50 576.54 639.07 681.01 769.49
Canada Life 461.44 493.63 538.75 601.49 686.70 788.71
Desjardins 475.67 513.00 563.35 631.09 708.50 806.90
Empire Life 446.03 483.31 531.63 593.70 674.35 777.13
Equitable 497.92 533.85 580.59 639.19 702.81 757.12
Manulife Investments 492.35 530.33 576.74 633.40 707.48 781.81
RBC Life Insurance 456.34 523.16 575.82 638.86 696.96 804.56
Sun Life Assurance 469.38 501.95 545.68 608.25 691.11 777.58

Single Life: Female, no guarantee option

Company 55 60 65 70 75 80
BMO Insurance 487.42 512.80 557.51 616.12 674.17 824.75
Canada Life 444.79 473.59 513.73 570.97 655.47 787.69
Desjardins 456.52 490.82 537.69 603.41 687.92 815.43
Empire Life 426.57 459.16 504.43 568.91 663.45 -
Manulife Investments 484.47 510.62 556.36 616.22 709.91 852.76
RBC Life Insurance 437.19 470.34 515.63 579.20 675.11 828.69
Sun Life Assurance 451.63 485.59 529.77 593.85 688.61 840.95

Single Life: Female, 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 484.05 506.15 561.50 599.40 637.00 734.28
Canada Life 443.14 470.55 507.89 559.30 630.45 724.51
Desjardins 454.72 487.44 531.07 589.93 659.14 758.05
Empire Life 425.07 456.15 498.12 555.48 633.96 735.84
Equitable 484.74 508.67 549.93 600.90 666.53 742.81
Manulife Investments 481.12 504.58 545.29 595.65 665.47 747.53
RBC Life Insurance 436.92 497.91 560.78 598.97 646.69 749.43
Sun Life Assurance 449.01 480.52 519.75 573.67 642.35 726.85

Joint Life: guarantee option

Company 55 60 65 70 75 80
BMO Insurance 453.36 468.42 499.19 538.73 569.17 672.90
Canada Life 419.72 441.11 471.38 515.76 582.80 688.16
Desjardins 427.51 453.79 490.43 542.73 609.09 721.50
Empire Life 400.75 425.00 458.75 506.64 576.54 -
Manulife Investments 447.72 465.22 501.23 548.90 621.01 732.33
RBC Life Insurance 412.81 437.44 471.07 519.00 590.33 704.08
Sun Life Assurance 426.21 447.29 476.89 525.85 594.56 698.93

Joint Life: 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 453.24 467.54 513.81 542.22 572.09 669.60
Canada Life 419.67 441.00 471.08 514.81 579.37 672.94
Desjardins 427.47 453.69 490.14 541.79 605.68 707.17
Empire Life 400.71 424.89 458.36 505.42 572.98 671.47
Equitable 455.19 471.45 503.57 544.17 599.70 672.25
Manulife Investments 447.62 464.96 500.51 546.79 613.29 700.66
RBC Life Insurance 414.51 454.62 512.84 561.13 606.99 695.28
Sun Life Assurance 426.16 447.13 476.38 524.18 588.02 672.55

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