2026 Best Annuity Rates in Canada

Annuity Comparison Tables

The following monthly annuity rates are based on a premium of $100,000.00 of registered funds. Payments will commence in one month.

Select Annuity Type

Single Life — Male
Single Life — Female
Joint Life — Male & Female

Annuity Rates as of Nov 3, 2026

Single Life: Male, no guarantee option

Company	55	60	65	70	75	80
BMO Insurance	521.56	555.65	603.45	675.58	763.10	936.59
Canada Life	474.03	508.98	558.84	633.78	750.44	939.02
Desjardins	501.15	540.23	594.55	672.94	771.84	914.33
Empire Life	465.36	505.61	561.18	637.46	739.66	-
Manulife Investments	516.21	551.31	601.00	672.40	770.80	914.18
RBC Life Insurance	474.40	510.73	561.82	635.66	752.04	933.28
Sun Life Assurance	489.47	525.14	576.12	654.25	-	-

Single Life: Male, 10 year guarantee option

Company	55	60	65	70	75	80
BMO Insurance	524.29	550.97	601.00	661.61	699.95	787.46
Canada Life	469.71	501.92	546.58	608.84	693.67	795.91
Desjardins	497.30	533.88	583.38	650.15	721.57	819.29
Empire Life	461.70	498.44	546.19	607.65	687.73	790.03
Equitable	525.04	553.55	602.31	668.15	718.08	786.71
Manulife Investments	510.68	545.66	599.25	650.42	724.14	791.67
RBC Life Insurance	474.25	541.71	599.54	662.95	719.41	814.75
Sun Life Assurance	486.00	518.47	562.36	625.74	-	-

Single Life: Female, no guarantee option

Company	55	60	65	70	75	80
BMO Insurance	506.80	536.95	579.95	634.68	685.32	836.06
Canada Life	453.44	482.07	521.86	578.86	663.06	795.05
Desjardins	478.61	512.27	558.45	623.41	701.80	828.27
Empire Life	442.68	474.88	519.74	583.79	677.84	-
Manulife Investments	501.54	532.20	576.08	632.99	698.31	829.63
RBC Life Insurance	454.96	488.12	532.24	593.80	687.90	836.93
Sun Life Assurance	468.39	502.40	546.80	611.57	-	-

Single Life: Female, 10 year guarantee option

Company	55	60	65	70	75	80
BMO Insurance	509.08	530.88	569.25	624.93	651.05	747.67
Canada Life	451.76	479.00	515.98	567.15	638.05	732.08
Desjardins	476.71	508.72	551.57	609.53	672.72	770.86
Empire Life	441.13	471.77	513.25	570.09	648.00	749.32
Equitable	507.79	532.32	566.90	623.13	677.46	754.03
Manulife Investments	497.82	525.68	565.92	626.62	672.24	755.52
RBC Life Insurance	454.54	520.79	567.81	623.75	658.99	760.29
Sun Life Assurance	465.69	497.20	536.56	591.08	-	-

Joint Life: guarantee option

Company	55	60	65	70	75	80
BMO Insurance	472.61	492.15	520.94	556.40	579.47	683.07
Canada Life	428.31	449.64	479.61	523.48	589.70	694.77
Desjardins	449.62	475.14	510.96	562.36	622.66	734.13
Empire Life	416.90	440.65	473.86	521.19	590.48	-
Manulife Investments	466.95	488.88	523.73	566.39	620.74	716.81
RBC Life Insurance	430.75	455.04	488.19	534.43	603.70	713.19
Sun Life Assurance	442.78	463.55	492.93	542.19	-	-

Joint Life: 10 year guarantee option

Company	55	60	65	70	75	80
BMO Insurance	478.37	492.23	521.53	567.61	586.07	683.10
Canada Life	428.26	449.53	479.31	522.53	586.30	679.74
Desjardins	449.58	475.03	510.66	561.40	619.25	719.88
Empire Life	416.86	440.53	473.46	519.96	586.93	684.82
Equitable	478.55	495.33	521.85	572.08	611.79	683.51
Manulife Investments	466.85	488.62	523.40	573.07	621.82	702.32
RBC Life Insurance	432.42	474.70	532.43	576.48	621.35	706.78
Sun Life Assurance	442.73	463.39	492.42	540.53	-	-

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