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BMO Insurance
Canada Life
Desjardins Financial
Empire Life
Equitable Life
Great-West Life
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ivari
Manulife
RBC Insurance
Sun Life
Browse Joint Annuity Rates
Annuity Rates as of Oct 1, 2025
The following monthly annuity rates are based on a premium of $100,000.00 of registered funds. Payments will commence in one month.
Annuity Rates as of Oct 1, 2025
Joint Life: guarantee option
| Company | 55 | 60 | 65 | 70 | 75 | 80 |
|---|---|---|---|---|---|---|
| BMO Insurance | 439.10 | 450.18 | 481.06 | 521.79 | 558.08 | 661.95 |
| Canada Life | 411.07 | 432.04 | 461.78 | 505.48 | 571.64 | 675.89 |
| Desjardins | 419.04 | 445.60 | 482.52 | 535.09 | 599.31 | 712.00 |
| Empire Life | 384.58 | 409.20 | 443.30 | 491.49 | 561.63 | - |
| Manulife Investments | 433.89 | 456.48 | 492.82 | 537.40 | 599.32 | 696.49 |
| RBC Life Insurance | 401.25 | 427.29 | 464.00 | 514.88 | 586.19 | 698.31 |
| Sun Life Assurance | 419.68 | 440.47 | 469.71 | 518.10 | - | - |
Joint Life: 10 year guarantee option
| Company | 55 | 60 | 65 | 70 | 75 | 80 |
|---|---|---|---|---|---|---|
| BMO Insurance | 446.81 | 458.51 | 510.91 | 541.37 | 567.10 | 664.77 |
| Canada Life | 411.02 | 431.93 | 461.48 | 504.54 | 568.26 | 660.87 |
| Desjardins | 419.00 | 445.50 | 482.23 | 534.16 | 595.96 | 697.82 |
| Empire Life | 384.55 | 409.10 | 442.92 | 490.31 | 558.18 | 657.03 |
| Equitable | 445.77 | 467.34 | 501.30 | 544.17 | 591.30 | 661.21 |
| Manulife Investments | 433.80 | 456.22 | 492.26 | 535.19 | 591.20 | 663.45 |
| RBC Life Insurance | 403.25 | 444.89 | 506.19 | 557.90 | 603.37 | 689.04 |
| Sun Life Assurance | 419.63 | 440.31 | 469.20 | 516.45 | - | - |
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