Summary of Life 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
Single Life: Male, no guarantee option
| Company | 55 | 60 | 65 | 70 | 75 | 80 |
|---|---|---|---|---|---|---|
| BMO Insurance | 485.99 | 522.62 | 575.25 | 650.71 | 759.67 | 933.09 |
| Canada Life | 463.44 | 497.69 | 546.96 | 620.94 | 735.97 | 922.31 |
| Desjardins | 473.04 | 512.76 | 567.70 | 646.62 | 748.65 | 892.27 |
| Empire Life | 440.81 | 481.20 | 536.78 | 613.00 | 715.37 | - |
| Manulife Investments | 493.75 | 531.12 | 584.95 | 660.94 | 762.88 | 927.18 |
| RBC Life Insurance | 458.88 | 498.23 | 551.00 | 625.02 | 741.34 | 927.02 |
| Sun Life Assurance | 472.97 | 508.25 | 558.46 | 635.13 | - | - |
Single Life: Male, 10 year guarantee option
| Company | 55 | 60 | 65 | 70 | 75 | 80 |
|---|---|---|---|---|---|---|
| BMO Insurance | 488.37 | 522.21 | 570.68 | 630.11 | 676.06 | 764.79 |
| Canada Life | 459.21 | 490.78 | 534.94 | 596.45 | 680.12 | 781.21 |
| Desjardins | 469.49 | 506.84 | 557.17 | 624.87 | 699.91 | 798.73 |
| Empire Life | 437.43 | 474.51 | 522.66 | 584.63 | 665.35 | 768.56 |
| Equitable | 487.73 | 521.42 | 569.95 | 631.90 | 689.89 | 763.53 |
| Manulife Investments | 488.27 | 521.49 | 566.86 | 628.91 | 693.81 | 733.27 |
| RBC Life Insurance | 459.21 | 515.92 | 569.36 | 629.01 | 703.26 | 802.27 |
| Sun Life Assurance | 469.61 | 501.79 | 545.09 | 607.35 | - | - |
Single Life: Female, no guarantee option
| Company | 55 | 60 | 65 | 70 | 75 | 80 |
|---|---|---|---|---|---|---|
| BMO Insurance | 471.25 | 502.30 | 547.24 | 606.06 | 675.27 | 825.87 |
| Canada Life | 442.66 | 471.11 | 510.50 | 566.62 | 649.76 | 779.72 |
| Desjardins | 450.37 | 484.66 | 531.45 | 597.01 | 678.66 | 806.04 |
| Empire Life | 418.36 | 450.85 | 495.91 | 560.06 | 654.10 | - |
| Manulife Investments | 478.55 | 510.54 | 556.98 | 616.60 | 699.41 | 821.85 |
| RBC Life Insurance | 438.06 | 472.99 | 520.09 | 582.94 | 676.88 | 826.94 |
| Sun Life Assurance | 452.30 | 485.96 | 529.75 | 593.38 | - | - |
Single Life: Female, 10 year guarantee option
| Company | 55 | 60 | 65 | 70 | 75 | 80 |
|---|---|---|---|---|---|---|
| BMO Insurance | 472.89 | 496.53 | 556.91 | 598.01 | 631.97 | 729.48 |
| Canada Life | 441.02 | 468.10 | 504.74 | 555.14 | 625.19 | 717.74 |
| Desjardins | 448.63 | 481.38 | 525.01 | 583.85 | 650.63 | 749.81 |
| Empire Life | 416.93 | 447.96 | 489.83 | 547.07 | 625.47 | 727.54 |
| Equitable | 473.12 | 502.82 | 556.58 | 597.16 | 648.49 | 730.52 |
| Manulife Investments | 475.20 | 504.35 | 545.54 | 595.53 | 654.56 | 717.29 |
| RBC Life Insurance | 437.97 | 494.03 | 555.83 | 597.04 | 648.09 | 749.04 |
| Sun Life Assurance | 449.69 | 480.92 | 519.81 | 573.43 | - | - |
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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