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BMO Insurance
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Empire Life
Equitable Life
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ivari
Manulife
RBC Insurance
Sun Life
Browse Joint Annuity Rates
Annuity Rates as of Nov 4, 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 Nov 4, 2025
Joint Life: guarantee option
| Company | 55 | 60 | 65 | 70 | 75 | 80 |
|---|---|---|---|---|---|---|
| BMO Insurance | 433.20 | 444.54 | 475.61 | 516.53 | 558.08 | 661.95 |
| Canada Life | 409.26 | 430.12 | 459.65 | 503.57 | 569.65 | 673.84 |
| Desjardins | 413.42 | 440.17 | 477.27 | 530.02 | 594.44 | 707.26 |
| Empire Life | 378.97 | 403.75 | 438.01 | 486.35 | 556.62 | - |
| Manulife Investments | 429.95 | 452.31 | 488.46 | 532.61 | 595.13 | 692.82 |
| RBC Life Insurance | 400.65 | 426.71 | 463.45 | 514.41 | 585.79 | 697.92 |
| Sun Life Assurance | 411.97 | 432.79 | 462.13 | 510.64 | - | - |
Joint Life: 10 year guarantee option
| Company | 55 | 60 | 65 | 70 | 75 | 80 |
|---|---|---|---|---|---|---|
| BMO Insurance | 440.87 | 456.80 | 509.24 | 540.84 | 567.10 | 664.77 |
| Canada Life | 409.22 | 430.01 | 459.36 | 502.64 | 566.29 | 658.88 |
| Desjardins | 413.38 | 440.07 | 476.99 | 529.11 | 591.12 | 693.16 |
| Empire Life | 378.94 | 403.65 | 437.63 | 485.19 | 553.20 | 652.21 |
| Equitable | 438.73 | 458.34 | 494.91 | 538.76 | 566.36 | 631.44 |
| Manulife | 429.86 | 452.06 | 487.90 | 530.42 | 587.09 | 659.95 |
| RBC Life Insurance | 402.65 | 443.13 | 503.35 | 556.36 | 602.67 | 688.32 |
| Sun Life Assurance | 411.92 | 432.63 | 461.63 | 509.02 | - | - |
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