Browse Joint Annuity Rates
Annuity Rates as of Jan 1, 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 Jan 1, 2026
Joint Life: guarantee option
| Company | 55 | 60 | 65 | 70 | 75 | 80 |
|---|---|---|---|---|---|---|
| BMO Insurance | 437.32 | 458.13 | 489.27 | 529.17 | 570.18 | 673.90 |
| Canada Life | 418.85 | 439.32 | 468.68 | 511.99 | 577.71 | 681.37 |
| Desjardins | 421.53 | 447.88 | 484.54 | 536.78 | 600.52 | 712.65 |
| Empire Life | 392.77 | 417.02 | 450.70 | 498.43 | 568.06 | - |
| Manulife Investments | 444.84 | 467.48 | 503.83 | 548.59 | 610.87 | 708.55 |
| RBC Life Insurance | 413.38 | 438.80 | 474.37 | 523.11 | 592.93 | 704.51 |
| Sun Life Assurance | 427.05 | 447.83 | 477.03 | 525.58 | - | - |
Joint Life: 10 year guarantee option
| Company | 55 | 60 | 65 | 70 | 75 | 80 |
|---|---|---|---|---|---|---|
| BMO Insurance | 442.06 | 457.94 | 509.24 | 540.84 | 567.10 | 664.77 |
| Canada Life | 418.80 | 439.21 | 468.39 | 511.06 | 574.37 | 666.55 |
| Desjardins | 421.49 | 447.78 | 484.26 | 535.87 | 597.24 | 698.75 |
| Empire Life | 392.74 | 416.91 | 450.32 | 497.27 | 564.66 | 663.07 |
| Equitable | 443.65 | 465.75 | 510.38 | 540.61 | 583.38 | 659.85 |
| Manulife | 444.74 | 467.22 | 503.25 | 546.32 | 602.57 | 674.93 |
| RBC Life Insurance | 415.34 | 451.15 | 504.36 | 556.27 | 606.76 | 695.54 |
| Sun Life Assurance | 427.00 | 447.67 | 476.54 | 523.96 | - | - |
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