2015 Annuity Rates

The best annuity rates in Canada

By Ivon T Hughes
2015 annuity rates
Figure 1. Annuity Rates 2015

2015 Canadian Life Annuity Rates

Annuity rates as of January 22, 2015.

The following monthly annuity rates are based on a premium of $100,000.00 of registered funds. Payments will commence in one month. A zero (0 year) guarantee option was choosen for these examples; however the monthly income payments will continue for the life of the annuitant(s).

2015 male Male Annuity Rates

Company Age of Prime Annuitant
55 60 65 69 70 75 80
Canada Life 405.83 450.32 515.20 561.68 587.82 669.52 766.26
Desjardins 402.15 452.65 520.94 591.99 612.45 718.48 844.82
Empire Life 417.45 461.95 520.99 580.49 596.83 687.40 n/a
Great-West Life 405.83 450.32 515.20 561.68 587.82 669.52 766.26
London Life 405.83 450.32 515.20 561.68 587.82 669.52 766.26
RBC Life 389.60 445.85 517.26 592.93 614.11 724.67 889.37
Standard Life 392.90 437.28 498.04 561.88 580.36 667.30 804.80
Sun Life 382.19 437.90 520.76 591.87 613.77 722.93 885.63

2015 female Female Annuity Rates

Company Age of Prime Annuitant
55 60 65 69 70 75 80
BMO Insurance 390.32 429.89 486.16 546.49 564.60 673.61 844.51
Canada Life 376.77 421.79 477.62 528.01 551.97 n/a n/a
Desjardins 369.49 411.68 468.54 528.97 546.86 642.42 776.16
Empire Life 387.35 422.19 470.16 522.51 538.13 637.26 n/a
Great-West Life 376.77 421.79 477.62 528.01 551.97 n/a n/a
London Life 376.77 421.79 477.62 528.01 551.97 n/a n/a
Manulife 388.51 419.09 465.06 513.08 531.39 630.62 789.29
RBC Life 359.31 401.99 456.55 517.39 535.13 651.00 824.02
Standard Life 375.97 415.59 470.18 529.67 547.57 608.44 748.01
Sun Life 358.52 404.34 469.25 533.40 552.50 655.94 807.58

2015 malefemale Joint Annuity Rates

Company Age of Primary and Joint Annuitants
55 60 65 69 70 75 80
BMO Insurance 356.36 386.81 430.65 477.94 492.10 577.22 705.71
Canada Life 330.11 376.75 427.41 465.33 488.21 n/a n/a
Desjardins 336.91 370.53 415.72 463.40 477.35 547.92 662.86
Empire Life 360.63 387.19 423.68 463.16 474.86 548.68 n/a
Great-West Life 330.11 376.75 427.41 465.33 488.21 n/a n/a
London Life 330.11 376.75 427.41 465.33 488.21 n/a n/a
Manulife 343.85 367.48 402.03 435.86 450.28 522.21 639.44
RBC Life 327.51 359.45 400.78 448.33 462.07 544.69 663.54
Standard Life 341.22 370.80 411.64 455.78 468.88 518.04 618.48
Sun Life 322.22 361.73 422.86 467.05 482.88 556.62 672.57
Ivon T Hughes

About the Author

Ivon T. Hughes

Ivon T Hughes is a leading expert in life annuities in Canada. His website LifeAnnuities.com is a recognized authority on annuities. He's also an established insurance and investment broker, through The Hughes Trustco Group since 1972. Recently, he's been redefining how annuities are sold in Canada.

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