Browse Joint Annuity Rates
Annuity Rates as of Feb 3, 2026
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 Feb 3, 2026
Joint Life: guarantee option
| Company | 55 | 60 | 65 | 70 | 75 | 80 |
|---|---|---|---|---|---|---|
 BMO Insurance |
448.59 | 469.00 | 500.30 | 539.79 | 580.33 | 683.92 |
 Canada Life |
412.79 | 433.54 | 462.90 | 506.38 | 571.89 | 675.32 |
 Desjardins |
421.53 | 447.88 | 484.54 | 536.78 | 600.52 | 712.65 |
 Empire Life |
387.10 | 411.52 | 445.37 | 493.25 | 563.02 | - |
 Manulife Investments |
441.36 | 464.09 | 500.54 | 545.43 | 607.69 | 705.31 |
 RBC Life Insurance |
415.12 | 440.43 | 475.81 | 524.30 | 594.01 | 705.63 |
 Sun Life Assurance |
424.36 | 445.17 | 474.37 | 511.68 | 522.86 | - |
Joint Life: 10 year guarantee option
| Company | 55 | 60 | 65 | 70 | 75 | 80 |
|---|---|---|---|---|---|---|
| BMO Insurance |
453.36 | 468.22 | 509.24 | 540.31 | 566.60 | 664.29 |
| Canada Life |
412.75 | 433.43 | 462.61 | 505.46 | 568.59 | 660.67 |
| Desjardins |
421.49 | 447.78 | 484.26 | 535.87 | 597.24 | 698.75 |
| Empire Life |
387.07 | 411.42 | 445.00 | 492.11 | 559.66 | 658.23 |
 Equitable |
455.19 | 470.44 | 507.53 | 539.51 | 576.61 | 658.84 |
| Manulife Investments |
441.26 | 463.83 | 499.96 | 543.17 | 599.44 | 671.84 |
| RBC Life Insurance |
417.06 | 456.12 | 511.69 | 557.76 | 606.94 | 693.67 |
| Sun Life Assurance |
424.31 | 445.02 | 473.88 | 521.26 | - | - |
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