Summary of Life 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.

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• Male Annuity Rates
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Annuity Rates as of Feb 3, 2026

Single Life: Male, no guarantee option

Company	55	60	65	70	75	80
BMO Insurance	497.26	533.66	586.14	660.97	769.98	943.61
Canada Life	457.43	540.95	540.95	614.94	729.48	915.34
Desjardins	473.04	512.76	567.70	646.62	748.65	892.27
Empire Life	435.09	475.56	531.20	607.47	709.93	-
Manulife Investments	490.28	527.71	581.61	657.64	759.47	923.42
RBC Life Insurance	460.51	499.65	552.16	626.17	742.54	928.34
Sun Life Assurance	470.20	505.47	555.61	632.20	-	-

Single Life: Male, 10 year guarantee option

Company	55	60	65	70	75	80
BMO Insurance	499.48	523.34	570.13	632.21	678.04	766.67
Canada Life	453.27	485.06	529.09	590.73	674.18	775.31
Desjardins	469.49	506.84	557.17	624.87	699.91	798.73
Empire Life	431.77	468.99	517.28	579.43	660.35	763.79
Equitable	499.69	524.32	571.64	635.72	683.15	762.54
Manulife Investments	484.85	518.17	563.66	625.84	690.79	730.20
RBC Life Insurance	460.76	516.92	568.50	630.81	703.00	799.33
Sun Life Assurance	466.87	499.05	542.33	604.56	-	-

Single Life: Female, no guarantee option

Company	55	60	65	70	75	80
BMO Insurance	482.61	513.38	558.65	617.24	686.25	837.01
Canada Life	437.06	465.19	504.54	560.58	643.28	773.42
Desjardins	450.37	484.66	531.45	597.01	678.66	806.04
Empire Life	412.68	445.28	490.45	554.67	648.77	-
Manulife Investments	475.02	507.08	553.58	613.26	695.98	818.16
RBC Life Insurance	439.76	474.54	521.44	584.06	678.04	829.22
Sun Life Assurance	449.58	483.22	526.96	590.52	-	-

Single Life: Female, 10 year guarantee option

Company	55	60	65	70	75	80
BMO Insurance	484.17	506.84	556.91	597.48	631.47	729.00
Canada Life	435.44	462.23	498.87	549.25	619.00	711.99
Desjardins	448.63	481.38	525.01	583.85	650.63	749.81
Empire Life	411.28	442.45	484.46	541.85	620.41	722.69
Equitable	484.60	507.50	553.73	593.87	641.71	726.54
Manulife Investments	471.71	500.94	542.23	592.35	651.41	714.11
RBC Life Insurance	439.63	498.62	555.51	596.17	646.00	745.57
Sun Life Assurance	447.00	478.22	517.10	570.69	-	-

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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