Annuity Table (2026 Canada Rates)

Compare Annuity Rates by Age, Sex and Company

The Annuity Table provides a side-by-side comparison of current single (male/female) and joint life annuity rates in Canada. Below are Canadian insurance companies offering the highest monthly income at each age based on $100,000 of registered funds and payments commence in one month and no guarantee period.

Updated: July 1, 2026

Annuity Rate Comparison Table

Company	Age	Male	Female	Joint
BMO Insurance	55	494.29	480.21	446.21
	60	528.42	509.87	465.56
	65	577.54	552.94	494.77
	70	654.69	609.41	532.35
	75	748.55	668.70	564.12
Canada Life	55	452.22	431.59	407.27
	60	486.97	460.11	428.24
	65	536.44	499.70	458.18
	70	611.13	556.15	501.90
	75	726.48	639.80	568.25
Desjardins	55	475.87	453.21	424.36
	60	515.51	487.42	450.61
	65	570.38	534.15	487.18
	70	649.25	599.64	539.32
	75	751.21	681.22	602.97
Empire Life	55	440.04	417.54	391.89
	60	480.57	450.17	416.28
	65	536.30	495.39	450.13
	70	612.67	559.69	498.03
	75	715.19	—	567.82
Manulife Investments	55	489.14	474.91	441.20
	60	524.10	505.38	463.09
	65	573.85	549.26	498.05
	70	645.84	606.40	540.86
	75	740.94	676.01	595.82
RBC Life Insurance	55	451.41	430.58	406.18
	60	491.43	465.80	431.83
	65	544.88	513.59	467.87
	70	618.73	577.04	517.45
	75	734.42	670.60	587.43
Sun Life Assurance	55	470.21	449.49	424.10
	60	505.77	483.38	445.06
	65	556.38	527.52	474.55
	70	633.71	—	523.56
	75	—	—	—

Disclaimer: Annuity rates shown are for illustration purposes only and are subject to change without notice. Actual annuity income depends on individual factors and market conditions.