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 July 1, 2026

Single Life: Male, no guarantee option

Company	55	60	65	70	75	80
BMO Insurance	494.29	528.42	577.54	654.69	748.55	921.72
Canada Life	452.22	486.97	536.44	611.13	726.48	913.16
Desjardins	475.87	515.51	570.38	649.25	751.21	894.71
Empire Life	440.04	480.57	536.30	612.67	715.19	-
Manulife Investments	489.14	524.10	573.85	645.84	740.94	886.27
RBC Life Insurance	451.41	491.43	544.88	618.73	734.42	918.34
Sun Life Assurance	470.21	505.77	556.38	633.71	-	-

Single Life: Male, 10 year guarantee option

Company	55	60	65	70	75	80
BMO Insurance	505.95	535.82	583.85	647.00	689.71	777.75
Canada Life	448.15	480.28	524.73	587.13	671.42	773.22
Desjardins	472.29	509.55	559.79	627.39	702.31	801.00
Empire Life	436.66	473.90	522.20	584.33	665.20	768.50
Equitable	500.89	535.96	571.08	624.83	682.12	759.11
Manulife Investments	484.02	521.31	572.77	625.00	699.88	765.99
RBC Life Insurance	451.91	525.31	582.51	645.92	702.92	798.40
Sun Life Assurance	466.91	499.39	543.15	606.12	-	-

Single Life: Female, no guarantee option

Company	55	60	65	70	75	80
BMO Insurance	480.21	509.87	552.94	609.41	668.70	819.20
Canada Life	431.59	460.11	499.70	556.15	639.80	770.46
Desjardins	453.21	487.42	534.15	599.64	681.22	808.50
Empire Life	417.54	450.17	495.39	559.69	653.88	-
Manulife Investments	474.91	505.38	549.26	606.40	676.01	802.04
RBC Life Insurance	430.58	465.80	513.59	577.04	670.60	820.14
Sun Life Assurance	449.49	483.38	527.52	591.72	-	-

Single Life: Female, 10 year guarantee option

Company	55	60	65	70	75	80
BMO Insurance	482.98	513.76	553.56	608.74	639.02	736.20
Canada Life	430.01	457.20	494.11	544.95	615.67	709.18
Desjardins	451.45	484.12	527.66	586.41	653.07	752.14
Empire Life	416.12	447.29	489.32	546.72	625.27	727.46
Equitable	479.76	507.50	548.60	592.23	641.71	726.04
Manulife Investments	471.47	500.71	539.74	598.99	651.83	730.37
RBC Life Insurance	430.55	502.46	552.23	607.70	642.52	743.56
Sun Life Assurance	446.93	478.41	517.70	571.93	-	-

Joint Life: guarantee option

Company	55	60	65	70	75	80
BMO Insurance	446.21	465.56	494.77	532.35	564.12	667.92
Canada Life	407.27	428.24	458.18	501.90	568.25	672.43
Desjardins	424.36	450.61	487.18	539.32	602.97	715.03
Empire Life	391.89	416.28	450.13	498.03	567.82	-
Manulife Investments	441.20	463.09	498.05	540.86	595.82	691.65
RBC Life Insurance	406.18	431.83	467.87	517.45	587.43	696.96
Sun Life Assurance	424.10	445.06	474.55	523.56	-	-

Joint Life: 10 year guarantee option

Company	55	60	65	70	75	80
BMO Insurance	452.17	475.12	505.91	551.50	574.10	671.54
Canada Life	407.23	428.13	457.89	500.99	564.96	657.79
Desjardins	424.32	450.51	486.90	538.41	599.67	701.08
Empire Life	391.85	416.18	449.75	496.87	564.43	662.97
Equitable	450.32	471.03	502.41	535.69	575.58	655.35
Manulife Investments	441.10	462.85	497.75	547.44	597.41	677.63
RBC Life Insurance	408.14	452.38	514.20	560.97	605.45	690.26
Sun Life Assurance	424.05	444.91	474.06	521.96	-	-

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