Summary of Life Annuity Rates

The following monthly annuity rates are based on a premium of $100,000.00 of registered funds. Payments will commence in one month.

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• Male Annuity Rates
• Female Annuity Rates
• Joint Annuity Rates
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Updated: Aug 5, 2026

Single Life: Male, no guarantee option

Company	55	60	65	70	75	80
BMO Insurance	500.25	534.24	584.42	662.68	752.53	925.80
Canada Life	469.25	503.87	553.06	627.45	742.59	929.25
Desjardins	490.05	529.32	583.84	662.41	764.08	906.96
Empire Life	445.79	486.23	541.90	618.22	720.64	-
Manulife Investments	499.45	534.33	583.94	655.72	760.48	895.60
RBC Life Insurance	466.79	504.76	555.94	629.58	745.75	922.46
Sun Life Assurance	475.82	511.44	562.15	639.67	-	-

Single Life: Male, 10 year guarantee option

Company	55	60	65	70	75	80
BMO Insurance	507.72	536.96	584.96	648.06	690.21	778.22
Canada Life	464.95	496.86	540.89	602.69	686.26	787.24
Desjardins	486.32	523.15	572.93	640.03	714.32	812.42
Empire Life	442.35	479.45	527.60	589.55	670.21	773.28
Equitable	508.10	537.71	585.22	648.31	694.04	773.37
Manulife Investments	494.18	531.35	582.62	634.45	708.80	774.52
RBC Life Insurance	466.76	528.99	583.38	646.72	710.95	808.69
Sun Life Assurance	472.47	504.97	548.76	611.81	-	-

Single Life: Female, no guarantee option

Company	55	60	65	70	75	80
BMO Insurance	486.82	516.31	559.22	615.00	671.44	821.98
Canada Life	448.49	476.94	516.29	572.36	655.63	786.06
Desjardins	467.49	501.33	547.70	612.85	694.06	820.84
Empire Life	423.26	455.77	500.88	565.09	659.23	-
Manulife Investments	485.20	515.61	559.35	616.29	686.18	811.26
RBC Life Insurance	446.60	480.71	526.04	587.64	681.55	824.69
Sun Life Assurance	454.99	488.95	533.16	597.50	-	-

Single Life: Female, 10 year guarantee option

Company	55	60	65	70	75	80
BMO Insurance	488.35	514.91	554.68	610.35	639.77	736.92
Canada Life	446.82	473.89	510.45	560.75	630.83	723.62
Desjardins	465.65	497.89	540.99	599.26	665.33	763.82
Empire Life	421.81	452.83	494.71	551.96	630.34	732.31
Equitable	488.85	515.74	554.87	606.52	652.68	740.49
Manulife Investments	481.66	509.36	549.59	609.86	659.94	738.77
RBC Life Insurance	446.40	506.36	553.12	609.06	653.05	754.29
Sun Life Assurance	452.38	483.91	523.22	577.50	-	-

Joint Life: guarantee option

Company	55	60	65	70	75	80
BMO Insurance	452.77	471.87	500.86	537.66	566.64	670.41
Canada Life	424.02	444.88	474.48	517.67	583.46	687.20
Desjardins	438.58	464.36	500.45	552.13	615.25	726.94
Empire Life	397.59	421.81	455.48	503.22	572.88	-
Manulife Investments	451.29	473.05	507.45	550.39	608.37	700.35
RBC Life Insurance	422.25	447.11	481.48	528.55	597.67	705.50
Sun Life Assurance	429.51	450.47	479.94	529.01	-	-

Joint Life: 10 year guarantee option

Company	55	60	65	70	75	80
BMO Insurance	457.55	476.28	507.02	553.10	574.85	672.27
Canada Life	423.98	444.77	474.18	516.73	580.08	672.27
Desjardins	438.54	464.26	500.16	551.19	611.88	712.81
Empire Life	397.55	421.70	455.10	502.05	569.45	667.82
Equitable	459.47	478.69	508.67	552.13	587.56	669.88
Manulife Investments	451.20	472.81	507.53	558.74	605.65	686.16
RBC Life Insurance	424.12	462.80	516.08	561.99	612.22	700.78
Sun Life Assurance	429.46	450.32	479.45	527.39	-	-

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