2025 Best Annuity Rates in Canada

Annuity Comparison Tables

2025 annuity rates
Figure 1. Annuity Rates 2025

Annuity Rates as of Sept 3, 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 Sept 3, 2025

Single Life: Male, no guarantee option

Company 55 60 65 70 75 80
BMO Insurance 496.07 534.24 588.44 660.97 764.24 937.76
Canada Life 463.34 497.84 547.62 622.34 738.66 926.53
Desjardins 482.16 521.84 576.84 656.01 758.49 902.24
Empire Life 441.71 482.43 538.44 615.19 718.06 -
Manulife Investments 515.00 546.60 609.54 696.75 829.34 1,050.98
RBC Life Insurance 454.87 492.21 544.12 620.84 739.24 928.02
Sun Life Assurance 478.94 514.51 564.99 623.94 762.60 941.66

Single Life: Male, 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 495.03 532.64 578.74 639.59 684.49 772.79
Canada Life 459.07 490.85 535.44 597.51 681.95 783.24
Desjardins 478.47 515.72 565.97 633.62 708.50 806.90
Empire Life 438.25 475.59 523.98 586.16 666.97 770.02
Equitable 495.53 532.69 578.89 637.01 709.07 757.12
Manulife Investments 508.84 536.35 589.30 654.85 734.43 810.82
RBC Life Insurance 454.89 523.77 578.02 639.37 695.41 803.03
Sun Life Assurance 475.41 507.74 551.01 612.83 694.52 779.54

Single Life: Female, no guarantee option

Company 55 60 65 70 75 80
BMO Insurance 485.02 505.79 550.09 609.41 673.08 823.64
Canada Life 442.63 471.08 510.74 567.34 651.04 782.26
Desjardins 459.37 493.59 540.39 606.05 687.92 815.43
Empire Life 418.80 451.43 496.71 561.16 655.64 -
Manulife Investments 465.57 499.20 539.97 590.87 672.24 789.52
RBC Life Insurance 435.64 468.87 514.16 577.68 673.54 827.02
Sun Life Assurance 457.72 491.55 535.45 599.05 693.03 844.27

Single Life: Female, 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 481.67 506.73 559.26 598.87 642.04 739.08
Canada Life 440.97 468.04 504.91 555.72 626.14 719.43
Desjardins 457.55 490.19 533.73 592.49 659.14 758.05
Empire Life 417.34 448.50 490.53 547.97 626.55 728.63
Equitable 482.62 506.91 559.63 599.25 664.42 741.31
Manulife Investments 462.72 493.76 530.44 574.79 638.51 715.40
RBC Life Insurance 435.41 498.06 558.49 598.41 645.16 747.88
Sun Life Assurance 455.03 486.35 525.22 578.51 646.17 729.26

Joint Life: guarantee option

Company 55 60 65 70 75 80
BMO Insurance 450.97 461.55 492.02 532.35 568.16 671.91
Canada Life 417.79 438.90 468.75 512.55 578.84 683.28
Desjardins 430.34 456.53 493.08 545.28 609.09 721.50
Empire Life 393.07 417.44 451.28 499.24 569.18 -
Manulife Investments 457.71 474.06 510.42 556.17 629.71 742.03
RBC Life Insurance 411.27 436.00 469.72 517.62 588.93 702.64
Sun Life Assurance 432.37 453.34 482.71 531.25 599.24 702.52

Joint Life: 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 450.86 468.11 511.58 541.69 577.10 674.45
Canada Life 417.75 438.79 468.44 511.60 575.42 668.14
Desjardins 430.30 456.43 492.78 544.34 605.68 707.17
Empire Life 393.04 417.32 450.89 498.04 565.68 664.29
Equitable 453.06 469.69 513.26 542.53 602.34 670.74
Manulife Investments 457.31 473.31 509.15 554.08 623.33 712.43
RBC Life Insurance 412.94 453.46 512.03 559.97 605.61 693.76
Sun Life Assurance 432.31 453.17 482.18 529.55 592.60 675.87

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