2018 Best Annuity Rates in Canada

Annuity Comparison Tables

2018 annuity rates
Figure 1. Annuity Rates 2018

Annuity Rates as of January 2, 2018

Single Life: Male

Single Life Female

Joint Life

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 January 2, 2018

Single Life: Male, no guarantee option

Company Age 60 Age 65 Age 70 Age 75 Age 80
BMO Insurance 465.18 531.80 625.83 717.71 911.55
Canada Life 457.56 519.75 609.21 0.00 0.00
Desjardins Fin. 450.17 508.90 592.65 711.68 862.11
Empire Life 442.74 504.59 587.85 697.09 0.00
Great-West Life 457.56 519.75 609.21 0.00 0.00
Manulife 447.22 504.66 577.37 703.98 926.27
RBC Insurance 455.67 524.33 620.03 734.73 919.45
Sun Life 443.69 526.29 621.43 738.90 922.33

Single Life: Male, 10 year guarantee option

Company Age 60 Age 65 Age 70 Age 75 Age 80
BMO Insurance 455.49 511.86 582.81 630.51 721.49
Canada Life 450.23 504.55 576.76 0.00 0.00
Desjardins Fin. 444.69 498.78 570.83 660.06 760.72
Empire Life 435.88 489.58 556.91 641.74 746.61
Equitable Life 448.18 508.25 578.21 640.56 711.98
Great-West 450.23 504.55 576.76 0.00 0.00
Manulife 438.44 487.79 542.61 626.86 717.57
RBC Insurance 446.88 505.19 583.29 660.86 754.16
Sun Life 437.55 512.03 589.78 665.89 751.67

Single Life: Male, 20 year guarantee option

Company Age 60 Age 65 Age 70 Age 75 Age 80
BMO Insurance 426.57 458.10 486.63 0.00 0.00
Canada Life 426.95 459.05 491.13 0.00 0.00
Desjardins Fin. 423.65 458.65 490.99 0.00 0.00
Empire Life 414.42 450.72 486.56 0.00 0.00
Equitable Life 421.45 458.28 488.70 0.00 0.00
Great-West Life 426.95 459.05 491.13 0.00 0.00
Manulife 420.58 452.45 471.40 0.00 0.00
RBC Insurance 417.68 466.22 505.77 0.00 0.00
Sun Life 419.33 473.63 512.66 0.00 0.00

Single Life: Female, no guarantee option

Company Age 60 Age 65 Age 70 Age 75 Age 80
BMO Insurance 424.89 476.69 551.21 624.41 792.68
Canada Life 423.11 471.69 541.98 0.00 0.00
Desjardins Fin. 420.02 470.12 539.48 636.32 768.86
Empire Life 406.81 456.64 526.21 626.38 0.00
Great-West Life 423.11 471.69 541.98 0.00 0.00
Manulife 421.68 462.48 513.47 612.51 767.98
RBC Insurance 411.16 463.86 537.50 648.89 801.35
Sun Life 409.20 471.81 552.89 654.51 805.51

Single Life: Female, 10 year guarantee option

Company Age 60 Age 65 Age 70 Age 75 Age 80
BMO Insurance 420.28 467.34 531.19 579.49 679.27
Canada Life 419.37 464.18 526.03 0.00 0.00
Desjardins Fin. 417.07 464.09 526.76 607.60 709.52
Empire Life 404.06 450.66 512.99 596.27 701.66
Equitable Life 413.01 463.58 523.73 583.95 674.79
Great-West Life 419.37 464.18 526.03 0.00 0.00
Manulife 417.14 453.02 496.58 569.50 660.66
RBC Insurance 410.18 458.36 527.57 601.80 702.10
Sun Life 405.49 463.75 535.13 611.91 699.25

Single Life: Female, 20 year guarantee option

Company Age 60 Age 65 Age 70 Age 75 Age 80
BMO Insurance 405.42 438.00 472.30 0.00 0.00
Canada Life 406.87 439.15 473.17 0.00 0.00
Desjardins Fin. 404.05 438.80 475.09 0.00 0.00
Empire Life 394.24 430.69 470.26 0.00 0.00
Equitable Life 398.45 434.63 465.90 0.00 0.00
Great-West Life 406.87 439.15 473.17 0.00 0.00
Manulife 404.59 430.86 451.95 0.00 0.00
RBC Insurance 395.39 430.51 475.11 0.00 0.00
Sun Life 393.40 438.73 482.59 0.00 0.00

Joint Life: no guarantee option

Company Age 60 Age 65 Age 70 Age 75 Age 80
BMO Insurance 382.65 421.43 477.30 523.38 644.16
Canada Life 375.06 422.08 475.94 0.00 0.00
Desjardins Fin. 383.03 423.23 479.55 558.13 675.64
Empire Life 371.54 410.18 463.40 538.92 0.00
Great-West Life 375.06 422.08 475.94 0.00 0.00
Manulife 367.48 399.62 436.12 505.88 622.95
RBC Insurance 372.22 412.79 469.25 546.44 662.30
Sun Life 367.16 425.78 483.37 555.09 670.26

Joint Life: 10 year guarantee option

Company Age 60 Age 65 Age 70 Age 75 Age 80
BMO Insurance 382.42 420.70 474.84 515.20 614.38
Canada Life 374.91 421.60 474.34 0.00 0.00
Desjardins Fin. 382.93 422.95 478.60 554.47 659.86
Empire Life 371.42 409.76 462.08 534.96 638.07
Equitable Life 377.18 421.04 475.29 529.36 608.60
Great-West Life 374.91 421.60 474.34 0.00 0.00
Manulife 354.15 372.94 418.04 487.76 589.61
RBC Insurance 371.98 411.73 468.16 540.01 633.11
Sun Life 367.03 425.30 481.71 548.53 643.90

Joint Life: 20 year guarantee option

Company Age 60 Age 65 Age 70 Age 75 Age 80
BMO Insurance 379.84 412.96 452.14 0.00 0.00
Canada Life 373.14 415.75 454.76 0.00 0.00
Desjardins Fin. 381.16 417.50 460.24 0.00 0.00
Empire Life 370.03 405.63 448.76 0.00 0.00
Equitable Life 374.81 413.83 454.12 0.00 0.00
Great-West Life 373.14 415.75 454.76 0.00 0.00
Manulife 326.64 343.71 365.89 0.00 0.00
RBC Insurance 369.87 406.20 452.62 0.00 0.00
Sun Life 365.55 420.09 463.97 0.00 0.0

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