2025 Best Annuity Rates in Canada

Annuity Comparison Tables

2025 annuity rates
Figure 1. Annuity Rates 2025

Annuity Rates as of Oct 21, 2025

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 Oct 21, 2025

Single Life: Male, no guarantee option

Company 55 60 65 70 75 80
BMO Insurance 484.21 522.62 576.97 649.57 752.82 926.09
Canada Life 453.68 488.23 537.59 612.02 727.36 914.52
Desjardins 468.05 508.10 563.45 642.90 745.66 890.02
Empire Life 430.29 471.17 527.30 604.14 707.18 -
Manulife Investments 483.05 519.84 573.13 649.27 750.85 913.92
RBC Life Insurance 443.39 484.49 539.60 615.68 732.27 918.28
Sun Life Assurance 465.40 500.67 550.84 627.32 - -

Single Life: Male, 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 484.88 525.04 569.59 629.06 674.57 763.38
Canada Life 449.52 481.41 525.66 587.61 671.45 772.63
Desjardins 464.52 502.20 552.90 621.03 696.54 795.53
Empire Life 426.96 464.56 513.25 575.78 656.98 760.50
Equitable 485.39 526.87 568.18 629.38 684.63 749.80
Manulife Investments 477.74 510.51 555.54 618.02 683.13 722.31
RBC Life Insurance 444.00 515.47 568.74 628.69 688.06 794.75
Sun Life Assurance 462.00 494.13 537.30 599.11 - -

Single Life: Female, no guarantee option

Company 55 60 65 70 75 80
BMO Insurance 473.04 494.19 538.74 598.28 662.16 812.55
Canada Life 432.86 461.12 500.85 556.98 640.16 770.86
Desjardins 445.18 479.76 526.91 592.89 675.12 803.12
Empire Life 407.45 440.33 485.81 550.41 644.99 -
Manulife Investments 468.50 499.86 545.72 604.80 687.31 808.85
RBC Life Insurance 422.04 457.89 506.95 573.24 667.52 816.17
Sun Life Assurance 444.49 477.99 521.60 584.91 - -

Single Life: Female, 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 477.63 497.10 558.59 598.55 631.97 729.48
Canada Life 431.25 458.16 495.15 545.59 615.68 708.78
Desjardins 443.45 476.49 520.47 579.70 646.94 746.41
Empire Life 406.06 437.50 479.82 537.55 616.46 718.96
Equitable 477.79 497.56 547.66 586.67 643.46 712.01
Manulife Investments 465.26 493.85 534.58 584.28 643.44 706.09
RBC Life Insurance 422.07 487.63 557.79 598.06 638.74 739.60
Sun Life Assurance 441.90 472.97 511.70 564.94 - -

Joint Life: guarantee option

Company 55 60 65 70 75 80
BMO Insurance 439.10 450.18 481.06 521.79 558.08 661.95
Canada Life 408.79 429.56 458.97 502.70 568.52 672.38
Desjardins 416.23 442.88 479.89 532.55 596.87 709.63
Empire Life 381.77 406.47 440.65 488.91 559.12 -
Manulife Investments 435.73 457.82 493.68 537.40 599.64 697.13
RBC Life Insurance 397.22 423.38 460.28 511.71 583.55 695.71
Sun Life Assurance 419.44 440.19 469.39 517.73 - -

Joint Life: 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 446.81 458.51 510.91 541.37 567.10 664.77
Canada Life 408.74 429.46 458.68 501.77 565.15 657.42
Desjardins 416.19 442.78 479.61 531.63 593.53 695.49
Empire Life 381.74 406.37 440.27 487.75 555.69 654.62
Equitable 448.20 461.50 501.30 532.72 577.74 645.77
Manulife 435.64 457.56 493.12 535.19 591.52 664.05
RBC Life Insurance 399.23 442.46 506.00 557.69 601.74 686.47
Sun Life Assurance 419.39 440.03 468.89 516.08 - -

© 2025 Life Annuities.com Inc. All rights reserved. Update Tables

GET AN ANNUITY QUOTE RIGHT NOW

GET QUOTE

Let's start the conversation!

Get a free annuity quote today.
We compare the best annuity rates in Canada! There is no cost or obligation and your privacy is guaranteed.

Life Annuities.com Inc. | Website: LifeAnnuities.com | Email: info@lifeannuities.com | Toll-free 1-888-970-1470