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 June 1, 2026

Single Life: Male, no guarantee option

Company	55	60	65	70	75	80
BMO Insurance	504.43	538.91	587.86	658.68	752.53	925.80
Canada Life	454.66	489.76	539.84	615.04	731.03	918.93
Desjardins	478.69	518.26	573.06	651.87	748.65	892.27
Empire Life	442.14	482.76	538.62	615.12	717.74	-
Manulife Investments	499.04	534.27	584.20	655.97	752.82	896.78
RBC Life Insurance	456.06	495.52	548.16	621.82	737.65	921.87
Sun Life Assurance	470.99	506.55	557.18	634.57	-	-

Single Life: Male, 10 year guarantee option

Company	55	60	65	70	75	80
BMO Insurance	507.13	535.25	584.96	648.06	690.71	778.70
Canada Life	450.57	483.04	528.08	590.94	675.75	778.47
Desjardins	475.08	512.26	562.41	629.91	699.91	798.73
Empire Life	438.74	476.06	524.44	586.64	667.55	770.84
Equitable	505.69	529.55	578.98	640.64	687.81	765.49
Manulife Investments	493.77	528.66	582.87	634.70	709.34	775.49
RBC Life Insurance	456.49	525.62	583.42	646.76	705.41	801.42
Sun Life Assurance	467.68	500.15	543.93	606.94	-	-

Single Life: Female, no guarantee option

Company	55	60	65	70	75	80
BMO Insurance	490.44	520.42	563.23	619.48	678.56	829.21
Canada Life	434.19	462.84	502.89	559.56	644.17	775.72
Desjardins	456.05	490.19	536.85	602.27	678.66	806.04
Empire Life	419.58	452.29	497.61	562.03	656.34	-
Manulife Investments	484.42	515.19	559.28	616.55	685.37	812.43
RBC Life Insurance	435.24	470.27	517.49	580.07	673.73	824.16
Sun Life Assurance	450.25	484.14	528.29	592.53	-	-

Single Life: Female, 10 year guarantee option

Company	55	60	65	70	75	80
BMO Insurance	491.94	513.18	554.12	609.81	640.02	737.16
Canada Life	432.61	459.92	497.28	548.31	619.93	714.18
Desjardins	454.28	486.86	530.32	588.97	650.63	749.81
Empire Life	418.14	449.39	491.50	548.99	627.60	729.80
Equitable	482.78	512.20	543.48	599.36	646.93	732.51
Manulife Investments	480.89	508.96	549.53	610.11	663.92	739.83
RBC Life Insurance	435.16	502.78	552.60	608.56	645.52	746.62
Sun Life Assurance	447.68	479.16	518.46	572.72	-	-

Joint Life: guarantee option

Company	55	60	65	70	75	80
BMO Insurance	456.35	475.90	504.74	541.93	573.22	676.90
Canada Life	409.69	430.62	460.97	504.82	571.75	677.02
Desjardins	427.19	453.35	489.82	541.87	600.52	712.65
Empire Life	393.85	418.31	452.23	500.22	570.11	-
Manulife Investments	450.17	472.30	507.44	550.64	595.82	701.16
RBC Life Insurance	410.84	436.35	472.06	520.78	590.35	701.57
Sun Life Assurance	424.85	445.80	475.27	524.30	-	-

Joint Life: 10 year guarantee option

Company	55	60	65	70	75	80
BMO Insurance	461.15	474.55	506.46	552.57	575.10	672.51
Canada Life	409.65	430.52	460.68	503.91	568.46	662.33
Desjardins	427.15	453.25	489.54	540.96	597.24	698.75
Empire Life	393.81	418.20	451.85	499.05	566.70	665.29
Equitable	453.97	475.15	498.43	544.44	581.30	661.85
Manulife Investments	450.07	472.06	507.13	558.02	606.72	686.96
RBC Life Insurance	412.79	456.30	515.92	561.27	607.51	693.26
Sun Life Assurance	424.80	445.65	474.78	522.70	-	-

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