2024 Best Annuity Rates in Canada

Annuity Comparison Tables

2024 annuity rates
Figure 1. Annuity Rates 2024

Annuity Rates as of Jun 1, 2024

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

Single Life: Male
Single Life Female
Joint Life

Annuity Rates as of Jun 1, 2024

Single Life: Male, no guarantee option

Company 55 60 65 70 75 80
BMO Insurance 494.88 534.24 589.59 6 668.98 769.40 943.02
Canada Life 478.69 517.32 571.89 654.05 779.25 977.70
Desjardins Fin. Security 497.03 536.54 591.45 670.73 783.93 927.03
Empire Life 464.88 506.25 563.16 640.98 744.61 -
Manulife Investments 488.55 534.93 589.89 664.92 778.45 985.48
RBC Life Insurance 462.14 500.63 554.18 633.31 754.59 948.98
Sun Life Assurance 482.55 520.95 575.73 659.73 - -

Single Life: Male, 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 500.30 539.47 592.52 657.62 706.96 794.11
Canada Life 474.22 509.89 558.85 627.13 717.25 822.16
Desjardins Fin. Security 493.13 530.10 580.09 647.47 731.62 828.85
Empire Life 461.10 498.79 547.53 609.88 690.53 792.79
Equitable 501.54 545.18 602.70 664.21 729.16 816.32
Manulife Investments 483.38 524.96 572.50 633.38 712.46 808.33
RBC Life Insurance 462.15 531.64 593.34 659.30 709.32 817.72
Sun Life Assurance 479.10 514.28 561.80 630.33 - -

Single Life: Female, no guarantee option

Company 55 60 65 70 75 80
BMO Insurance 471.85 505.79 552.94 618.92 676.36 826.98
Canada Life. 454.30 485.59 528.92 590.49 679.62 817.89
Desjardins Fin. 474.16 508.18 554.83 620.44 712.74 839.72
Empire Life 441.11 474.05 519.81 584.96 680.34 -
Manulife Investments 466.17 503.92 552.93 615.25 7 707.65 850.10
RBC Life Insurance 442.42 476.31 522.91 588.68 686.83 843.92
Sun Life Assurance 459.67 495.87 543.90 613.52 - -

Single Life: Female, 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 477.51 510.18 554.23 614.44 655.72 752.12
Canada Life 452.61 482.43 522.83 578.32 653.38 751.88
Desjardins Fin. 472.24 504.59 547.85 606.33 682.48 780.39
Empire Life 439.52 470.86 513.15 570.87 649.58 751.27
Equitable 478.19 516.86 561.53 621.23 684.78 774.02
Manulife Investments 462.45 497.51 542.56 596.82 667.25 751.20
RBC Life Insurance 442.12 509.85 554.54 615.58 657.80 762.39
Sun Life Assurance 457.10 490.86 533.90 5 593.07 - -

Joint Life: guarantee option

Company 55 60 65 70 75 80
BMO Insurance 437.91 461.55 494.77 541.39 571.19 674.90
Canada Life 427.71 451.13 484.62 532.92 605.44 717.01
Desjardins Fin. 444.94 470.77 507.00 558.99 632.55 744.78
Empire Life 414.85 439.29 473.34 521.64 592.05 -
Manulife Investments 427.90 457.23 504.72 550.30 647.17 788.26
RBC Life Insurance 417.97 442.87 477.41 526.86 600.39 716.72
Sun Life Assurance 432.16 454.85 487.64 540.85 - -

Joint Life: 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 446.69 471.55 506.57 557.17 590.72 687.58
Canada Life 427.66 451.01 484.29 531.89 601.69 700.60
Desjardins Fin. 444.90 470.66 506.69 557.99 628.93 729.78
Empire Life 414.81 439.16 472.91 520.33 588.28 686.98
Equitable 449.06 479.47 521.23 566.97 621.93 713.14
Manulife Investments 423.85 451.57 481.71 525.94 616.10 745.67
RBC Life Insurance 419.75 458.00 512.53 564.10 616.57 707.58
Sun Life Assurance 432.11 454.69 487.13 539.14 - -

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