2025 Best Annuity Rates in Canada

Annuity Comparison Tables

2025 annuity rates
Figure 1. Annuity Rates 2025

Annuity Rates as of Jan 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 Jan 3, 2025

Single Life: Male, no guarantee option

Company 55 60 65 70 75 80
BMO Insurance 471.27 514.53 568.98 645.03 745.42 918.53
Canada Life 447.90 485.35 538.17 615.54 738.82 931.47
Desjardins Fin. Security 468.05 508.10 563.45 642.90 753.35 897.34
Empire Life 435.73 477.07 533.72 611.12 714.61 -
Manulife Investments 478.76 521.14 576.27 652.23 752.43 939.63
RBC Life Insurance 445.91 483.94 535.64 612.15 730.52 919.75
Sun Life Assurance 446.72 483.82 536.79 618.14 743.28 932.76

Single Life: Male, 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 473.52 511.73 563.42 632.74 677.54 766.20
Canada Life 443.80 478.50 526.08 590.49 680.41 783.63
Desjardins Fin. Security 464.52 502.20 552.90 621.03 703.71 802.35
Empire Life 432.35 470.35 519.46 582.38 663.85 767.42
Equitable 477.68 515.89 564.87 626.81 691.65 767.36
Manulife Investments 473.49 511.88 558.87 618.77 679.94 755.87
RBC Life Insurance 446.16 505.46 562.87 632.81 686.51 794.18
Sun Life Assurance 443.66 477.83 524.19 591.29 678.51 774.11

Single Life: Female, no guarantee option

Company 55 60 65 70 75 80
BMO Insurance 452.31 484.97 530.84 593.29 651.84 802.04
Desjardins Fin. Security 445.18 479.76 526.91 592.89 682.79 810.50
Empire Life 412.65 445.93 491.87 557.00 652.10 -
Manulife Investments 460.64 491.55 537.56 600.42 678.77 821.24
RBC Life Insurance 425.75 460.18 505.89 569.17 664.90 818.35
Sun Life Assurance 425.33 460.35 506.96 574.60 671.80 832.91

Single Life: Female, 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 452.20 487.30 531.49 590.86 628.96 726.60
Canada Life 423.09 451.60 490.94 544.80 618.40 715.11
Desjardins Fin. Security 443.45 476.49 520.47 579.70 654.25 753.39
Empire Life 411.23 443.05 485.79 543.96 623.23 725.89
Equitable 460.94 489.98 531.81 591.07 649.85 732.59
Manulife Investments 457.53 485.83 527.00 580.57 636.82 720.30
RBC Life Insurance 425.58 480.71 530.74 590.68 636.37 738.90
Sun Life Assurance 423.00 455.80 497.80 555.73 627.69 721.18

Joint Life: guarantee option

Company 55 60 65 70 75 80
BMO Insurance 418.57 441.16 473.44 517.06 548.58 652.54
Canada Life 399.21 421.74 454.09 500.96 571.59 680.12
Desjardins Fin. Security 416.23 442.88 479.89 532.55 604.19 716.74
Empire Life 386.68 411.73 446.32 495.04 565.70 -
Manulife Investments 424.37 446.69 483.15 533.91 606.40 703.71
RBC Life Insurance 401.13 426.63 461.38 509.46 580.59 694.30
Sun Life Assurance 398.82 420.87 452.82 504.65 577.85 688.80

Joint Life: 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 421.37 448.76 483.99 533.75 564.11 661.88
Canada Life 399.17 421.64 453.79 500.01 568.10 664.72
Desjardins Fin. Security 416.19 442.78 479.61 531.63 600.81 702.48
Empire Life 386.64 411.62 445.93 493.86 562.23 661.47
Equitable 431.26 452.72 485.44 534.28 584.44 663.15
Manulife Investments 424.28 446.45 482.46 531.88 598.90 673.36
RBC Life Insurance 403.00 438.51 488.99 540.69 594.58 685.12
Sun Life Assurance 398.77 420.73 452.36 503.11 571.65 663.14

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