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 May 1, 2026

Single Life: Male, no guarantee option

Company	55	60	65	70	75	80
BMO Insurance	499.65	533.07	581.55	657.54	751.39	924.64
Canada Life	466.41	501.49	551.42	626.40	742.13	929.86
Desjardins	484.36	523.78	578.44	657.13	753.78	897.16
Empire Life	442.91	483.40	539.10	615.45	717.92	-
Manulife Investments	494.76	529.61	579.22	651.10	752.82	889.75
RBC Life Insurance	462.68	501.34	552.91	626.51	742.54	921.34
Sun Life Assurance	477.94	513.14	563.36	640.24	-	-

Single Life: Male, 10 year guarantee option

Company	55	60	65	70	75	80
BMO Insurance	503.59	530.14	580.55	645.94	688.72	776.81
Canada Life	462.16	494.54	539.32	601.73	685.90	787.83
Desjardins	480.69	517.69	567.66	634.96	704.71	803.28
Empire Life	439.50	476.67	524.90	586.94	667.70	770.89
Equitable	503.89	531.88	580.68	640.09	693.52	771.39
Manulife Investments	489.56	523.67	578.02	630.04	704.15	768.72
RBC Life Insurance	462.88	522.77	578.99	644.64	707.37	799.75
Sun Life Assurance	474.54	506.61	549.86	612.22	-	-

Single Life: Female, no guarantee option

Company	55	60	65	70	75	80
BMO Insurance	486.22	515.14	557.51	613.32	672.53	823.09
Canada Life	445.83	474.49	514.45	570.88	655.16	786.39
Desjardins	461.76	495.75	542.27	607.56	683.78	810.97
Empire Life	420.40	452.97	498.13	562.39	656.55	-
Manulife Investments	480.59	510.96	554.70	611.67	681.86	805.48
RBC Life Insurance	442.25	476.72	522.86	584.64	676.86	824.31
Sun Life Assurance	457.21	490.78	534.53	598.29	-	-

Single Life: Female, 10 year guarantee option

Company	55	60	65	70	75	80
BMO Insurance	488.95	510.30	553.56	605.51	635.99	733.32
Canada Life	444.18	471.47	508.65	559.33	630.42	723.98
Desjardins	459.95	492.37	535.65	594.11	655.52	754.47
Empire Life	418.96	450.06	492.01	549.34	627.80	729.88
Equitable	489.46	512.79	553.73	607.07	654.78	738.99
Manulife Investments	477.10	504.79	545.04	605.33	653.56	733.50
RBC Life Insurance	442.11	501.86	552.06	604.23	647.55	745.51
Sun Life Assurance	454.57	485.68	524.50	578.17	-	-

Joint Life: guarantee option

Company	55	60	65	70	75	80
BMO Insurance	452.17	470.72	499.19	536.07	567.65	671.41
Canada Life	421.19	442.13	472.32	515.86	582.36	687.17
Desjardins	432.87	458.84	495.12	546.99	605.42	717.40
Empire Life	394.73	419.04	452.80	500.62	570.35	-
Manulife Investments	446.85	468.59	503.38	545.49	597.73	695.35
RBC Life Insurance	417.84	442.97	477.91	525.58	594.77	701.09
Sun Life Assurance	431.98	452.58	481.61	530.13	-	-

Joint Life: 10 year guarantee option

Company	55	60	65	70	75	80
BMO Insurance	458.15	471.67	505.91	548.29	571.09	668.64
Canada Life	421.15	442.02	472.03	514.93	578.99	672.25
Desjardins	432.83	458.74	494.84	546.06	602.10	703.42
Empire Life	394.70	418.93	452.42	499.45	566.93	665.39
Equitable	460.08	475.74	507.53	550.48	588.08	668.37
Manulife Investments	446.75	468.35	503.08	555.20	600.95	681.26
RBC Life Insurance	419.78	459.26	513.65	559.16	608.49	693.74
Sun Life Assurance	431.93	452.42	481.11	528.50	-	-

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