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:
Annuity Rate Comparison Table
| Company | Age | Male | Female | Joint |
|---|---|---|---|---|
BMO Insurance
| 55 | 514.93 | 500.72 | 466.57 |
| 60 | 548.58 | 530.43 | 485.75 | |
| 65 | 597.09 | 573.01 | 514.21 | |
| 70 | 673.28 | 628.48 | 550.49 | |
| 75 | 761.96 | 682.29 | 576.67 | |
Canada Life
| 55 | 484.23 | 463.58 | 438.76 |
| 60 | 519.14 | 491.99 | 459.61 | |
| 65 | 568.85 | 531.96 | 489.27 | |
| 70 | 643.77 | 588.71 | 533.05 | |
| 75 | 760.33 | 672.78 | 599.08 | |
Desjardins
| 55 | 503.68 | 481.10 | 452.06 |
| 60 | 542.79 | 514.80 | 477.61 | |
| 65 | 597.14 | 561.01 | 513.45 | |
| 70 | 675.54 | 626.00 | 564.85 | |
| 75 | 777.02 | 706.98 | 627.62 | |
Empire Life
| 55 | 463.20 | 440.58 | 414.87 |
| 60 | 503.36 | 472.70 | 438.56 | |
| 65 | 558.82 | 517.47 | 471.71 | |
| 70 | 634.97 | 581.41 | 518.95 | |
| 75 | 737.09 | 675.35 | — | |
Manulife Investments
| 55 | 513.67 | 499.00 | 464.45 |
| 60 | 548.80 | 529.69 | 486.42 | |
| 65 | 598.53 | 573.61 | 520.87 | |
| 70 | 669.98 | 630.58 | 560.15 | |
| 75 | 769.66 | 699.86 | 618.23 | |
RBC Life Insurance
| 55 | 482.62 | 464.12 | 440.08 |
| 60 | 518.62 | 496.12 | 463.57 | |
| 65 | 569.80 | 539.99 | 495.77 | |
| 70 | 643.96 | 601.78 | 541.97 | |
| 75 | 760.65 | 696.08 | 611.42 | |
Sun Life Assurance
| 55 | 501.54 | 480.25 | 454.51 |
| 60 | 537.25 | 514.38 | 475.38 | |
| 65 | 588.12 | 558.70 | 504.64 | |
| 70 | 666.05 | 623.27 | 553.64 | |
| 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.
