Summary of Life Annuity Rates

Annuity Rates as of May 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 May 1, 2025
Single Life: Male, no guarantee option
Company | 55 | 60 | 65 | 70 | 75 | 80 |
---|---|---|---|---|---|---|
BMO Insurance | 483.03 | 524.93 | 578.69 | 654.12 | 751.68 | 924.93 |
Canada Life | 458.77 | 493.91 | 543.97 | 619.47 | 736.04 | 924.54 |
Desjardins | 473.68 | 513.58 | 568.79 | 648.13 | 753.35 | 897.34 |
Empire Life | 435.21 | 476.16 | 532.38 | 609.33 | 712.43 | - |
Manulife Investments | 489.53 | 531.78 | 586.75 | 662.58 | 778.17 | 966.34 |
RBC Life Insurance | 445.33 | 483.76 | 535.48 | 611.88 | 729.90 | 917.86 |
Sun Life Assurance | 458.31 | 494.25 | 545.38 | 623.15 | 745.10 | 925.36 |
Single Life: Male, 10 year guarantee option
Company | 55 | 60 | 65 | 70 | 75 | 80 |
---|---|---|---|---|---|---|
BMO Insurance | 481.04 | 519.05 | 569.97 | 632.21 | 674.57 | 763.38 |
Canada Life | 454.58 | 487.04 | 531.96 | 594.86 | 679.66 | 781.58 |
Desjardins | 470.08 | 507.59 | 558.12 | 626.05 | 703.71 | 802.35 |
Empire Life | 431.83 | 469.45 | 518.15 | 580.67 | 661.82 | 765.20 |
Equitable | 481.83 | 519.92 | 571.00 | 633.19 | 699.68 | 758.10 |
Manulife Investments | 484.09 | 522.25 | 568.92 | 628.42 | 702.75 | 777.36 |
RBC Life Insurance | 445.63 | 511.33 | 569.35 | 632.12 | 686.49 | 794.21 |
Sun Life Assurance | 455.03 | 487.90 | 532.15 | 595.40 | 679.07 | 766.41 |
Single Life: Female, no guarantee option
Company | 55 | 60 | 65 | 70 | 75 | 80 |
---|---|---|---|---|---|---|
BMO Insurance | 470.65 | 495.92 | 541.00 | 602.17 | 660.53 | 810.89 |
Canada Life | 437.68 | 466.35 | 506.63 | 563.42 | 648.05 | 779.67 |
Desjardins | 450.84 | 485.28 | 532.29 | 598.14 | 682.79 | 810.50 |
Empire Life | 412.29 | 445.19 | 490.72 | 555.41 | 650.09 | - |
Manulife Investments | 477.09 | 502.26 | 548.13 | 610.83 | 704.55 | 847.35 |
RBC Life Insurance | 424.90 | 459.58 | 505.65 | 568.97 | 664.54 | 817.49 |
Sun Life Assurance | 437.31 | 471.37 | 515.85 | 580.35 | 675.50 | 827.99 |
Single Life: Female, 10 year guarantee option
Company | 55 | 60 | 65 | 70 | 75 | 80 |
---|---|---|---|---|---|---|
BMO Insurance | 467.45 | 492.42 | 543.66 | 592.99 | 630.97 | 728.52 |
Canada Life | 436.06 | 463.37 | 500.89 | 551.94 | 623.35 | 717.10 |
Desjardins | 449.07 | 481.96 | 525.76 | 584.81 | 654.25 | 753.39 |
Empire Life | 410.87 | 442.32 | 484.65 | 542.40 | 621.30 | 723.71 |
Equitable | 468.16 | 492.91 | 543.68 | 593.77 | 655.49 | 728.85 |
Manulife Investments | 473.81 | 496.37 | 537.28 | 590.51 | 660.54 | 742.85 |
RBC Life Insurance | 424.85 | 485.41 | 542.90 | 592.68 | 636.51 | 739.11 |
Sun Life Assurance | 434.81 | 466.51 | 506.20 | 560.76 | 630.26 | 715.62 |
Joint Life: guarantee option
Company | 55 | 60 | 65 | 70 | 75 | 80 |
---|---|---|---|---|---|---|
BMO Insurance | 436.73 | 451.88 | 483.24 | 525.47 | 556.58 | 660.46 |
Canada Life | 412.89 | 434.05 | 464.20 | 507.85 | 572.43 | 665.58 |
Desjardins | 421.85 | 448.32 | 485.15 | 537.63 | 604.19 | 716.74 |
Empire Life | 386.52 | 411.21 | 445.38 | 493.66 | 563.90 | - |
Manulife Investments | 440.48 | 457.10 | 493.31 | 543.79 | 616.03 | 727.41 |
RBC Life Insurance | 400.23 | 425.89 | 461.00 | 509.31 | 580.35 | 693.74 |
Sun Life Assurance | 411.92 | 433.15 | 463.14 | 512.63 | 581.97 | 686.87 |
Joint Life: 10 year guarantee option
Company | 55 | 60 | 65 | 70 | 75 | 80 |
---|---|---|---|---|---|---|
BMO Insurance | 436.62 | 453.85 | 496.06 | 535.86 | 566.10 | 663.81 |
Canada Life | 405.67 | 428.04 | 459.64 | 505.23 | 571.84 | 667.23 |
Desjardins | 421.81 | 448.22 | 484.86 | 536.70 | 600.81 | 702.48 |
Empire Life | 386.49 | 411.10 | 445.00 | 492.48 | 560.44 | 659.35 |
Equitable | 438.52 | 455.68 | 497.33 | 537.07 | 592.87 | 658.21 |
Manulife Investments | 440.39 | 456.84 | 492.60 | 541.71 | 608.39 | 695.97 |
RBC Life Insurance | 402.16 | 441.56 | 497.88 | 548.08 | 596.82 | 685.12 |
Sun Life Assurance | 411.87 | 433.00 | 462.65 | 511.01 | 575.60 | 660.93 |
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