2025 Best Annuity Rates in Canada

Annuity Comparison Tables

2025 annuity rates
Figure 1. Annuity Rates 2025

Annuity Rates as of Jul 2, 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 Jul 2, 2025

Single Life: Male, no guarantee option

Company 55 60 65 70 75 80
BMO Insurance 494.88 535.99 590.17 662.68 760.24 933.67
Canada Life 459.47 494.53 545.12 620.92 738.56 927.96
Desjardins 470.86 510.84 566.12 645.51 753.35 897.34
Empire Life 443.81 484.63 540.76 617.64 720.61 -
Manulife Investments 490.47 532.71 587.66 660.78 776.37 964.48
RBC Life Insurance 448.34 486.17 537.92 614.41 732.54 920.72
Sun Life Assurance 460.54 496.59 547.79 625.66 747.75 928.20

Single Life: Male, 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 491.52 525.83 572.16 633.27 675.56 764.32
Canada Life 455.28 487.66 533.09 596.27 682.03 784.64
Desjardins 467.30 504.89 555.51 623.54 703.71 802.35
Empire Life 440.33 477.75 526.23 588.48 669.33 772.35
Equitable 491.94 528.03 574.94 630.47 695.00 757.12
Manulife Investments 485.01 523.15 569.79 626.74 701.16 775.86
RBC Life Insurance 448.55 517.19 572.80 633.01 689.05 796.75
Sun Life Assurance 457.24 490.20 534.51 597.81 681.55 768.96

Single Life: Female, no guarantee option

Company 55 60 65 70 75 80
BMO Insurance 478.42 506.96 551.80 610.52 668.70 819.20
Canada Life 438.55 467.45 507.80 565.36 650.26 782.88
Desjardins 448.00 482.52 529.60 595.51 682.79 810.50
Empire Life 420.83 453.55 498.93 563.50 658.09 -
Manulife Investments 475.03 503.19 549.05 609.02 702.75 845.53
RBC Life Insurance 428.40 462.59 508.21 571.55 667.22 820.34
Sun Life Assurance 439.46 473.65 518.21 582.78 678.03 830.70

Single Life: Female, 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 475.73 500.42 565.43 598.33 635.99 733.32
Canada Life 436.93 464.47 502.06 553.85 625.49 720.12
Desjardins 419.04 445.60 482.52 535.09 604.19 716.74
Empire Life 419.37 450.60 492.72 550.24 628.88 730.98
Equitable 463.97 502.81 544.25 597.06 649.73 735.32
Manulife Investments 471.77 497.28 538.17 588.79 658.89 741.28
RBC Life Insurance 403.78 429.12 463.67 511.72 582.84 696.34
Sun Life Assurance 436.95 468.77 508.51 563.12 632.66 718.10

Joint Life: guarantee option

Company 55 60 65 70 75 80
BMO Insurance 444.43 462.70 493.67 533.41 564.12 667.92
Canada Life 413.48 434.97 465.47 510.21 577.69 683.53
Desjardins 421.85 448.32 485.15 537.63 604.19 716.74
Empire Life 395.03 419.46 453.39 501.44 571.47 -
Manulife Investments 438.46 458.00 494.19 542.07 614.36 725.76
RBC Life Insurance 406.23 431.37 465.59 513.51 584.69 698.25
Sun Life Assurance 413.98 435.33 465.39 514.92 584.32 689.33

Joint Life: 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 444.91 461.82 517.72 541.16 571.09 668.64
Canada Life 413.44 434.87 465.18 509.27 574.30 668.42
Desjardins 419.00 445.50 482.23 534.16 600.81 702.48
Empire Life 395.00 419.35 452.99 500.23 567.95 666.61
Equitable 439.73 465.59 497.90 540.34 588.16 664.72
Manulife Investments 438.37 457.75 493.48 540.00 606.74 694.39
RBC Life Insurance 405.65 446.76 508.98 561.64 602.73 687.67
Sun Life Assurance 413.93 435.18 464.89 513.31 577.93 663.35

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