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 Sept 1, 2026

Single Life: Male, no guarantee option

Company	55	60	65	70	75	80
BMO Insurance	507.72	541.54	590.74	668.12	757.95	931.34
Canada Life	471.82	506.17	555.21	629.27	744.67	931.65
Desjardins	495.77	534.88	589.25	667.70	764.08	906.96
Empire Life	448.68	489.07	544.71	621.00	723.38	-
Manulife Investments	506.40	541.06	590.42	662.06	765.66	900.22
RBC Life Insurance	473.44	509.96	561.04	634.84	751.20	928.15
Sun Life Assurance	483.90	519.09	569.29	646.24	-	-

Single Life: Male, 10 year guarantee option

Company	55	60	65	70	75	80
BMO Insurance	513.62	542.95	590.47	653.10	694.95	782.72
Canada Life	467.49	499.11	542.97	604.42	688.17	789.36
Desjardins	491.97	528.62	578.21	645.11	714.32	812.42
Empire Life	445.20	482.23	530.30	592.17	672.73	775.67
Equitable	514.13	543.57	590.90	654.90	698.73	779.78
Manulife Investments	501.02	537.95	588.94	640.53	714.09	778.19
RBC Life Insurance	473.33	535.16	589.03	651.90	716.19	812.00
Sun Life Assurance	480.45	512.47	555.64	617.97	-	-

Single Life: Female, no guarantee option

Company	55	60	65	70	75	80
BMO Insurance	494.06	523.36	566.10	621.72	677.35	827.98
Canada Life	451.55	479.46	518.83	574.89	658.09	788.52
Desjardins	473.24	506.93	553.15	618.17	694.06	820.84
Empire Life	426.13	458.57	503.63	567.80	661.91	-
Manulife Investments	492.30	522.49	565.99	622.64	693.10	815.82
RBC Life Insurance	453.94	487.26	531.48	593.03	687.11	830.72
Sun Life Assurance	463.06	496.65	540.38	604.14	-	-

Single Life: Female, 10 year guarantee option

Company	55	60	65	70	75	80
BMO Insurance	495.83	520.99	560.27	616.28	644.97	741.88
Canada Life	449.86	476.38	512.95	563.21	633.19	725.91
Desjardins	471.37	503.44	546.36	604.43	665.33	763.82
Empire Life	424.66	455.61	497.42	554.58	632.88	734.74
Equitable	497.38	521.64	560.59	611.48	658.98	747.00
Manulife Investments	488.68	516.13	556.07	612.76	667.24	742.93
RBC Life Insurance	453.52	512.72	558.84	615.13	658.21	759.51
Sun Life Assurance	460.38	491.48	530.22	583.82	-	-

Joint Life: guarantee option

Company	55	60	65	70	75	80
BMO Insurance	459.95	478.79	507.52	544.06	572.10	675.80
Canada Life	427.17	447.61	476.80	520.03	585.38	689.37
Desjardins	444.31	469.90	505.79	557.28	615.25	726.94
Empire Life	400.45	424.58	458.17	505.83	575.41	-
Manulife Investments	458.44	479.93	514.06	556.53	614.47	705.07
RBC Life Insurance	429.69	454.06	487.36	533.65	602.90	709.32
Sun Life Assurance	437.77	458.35	487.29	535.71	-	-

Joint Life: 10 year guarantee option

Company	55	60	65	70	75	80
BMO Insurance	465.06	482.35	512.58	559.00	580.02	677.26
Canada Life	427.12	447.50	476.49	519.09	581.99	674.41
Desjardins	444.27	469.80	505.50	556.33	611.88	712.81
Empire Life	400.41	424.47	457.79	504.65	571.96	670.25
Equitable	468.06	484.61	514.39	558.75	592.27	676.43
Manulife Investments	458.34	479.68	514.11	564.33	612.76	690.80
RBC Life Insurance	431.40	469.71	522.30	567.73	617.61	706.02
Sun Life Assurance	437.72	458.19	486.78	534.07	-	-

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