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 Mar 2, 2026

Single Life: Male, no guarantee option

Company	55	60	65	70	75	80
BMO Insurance	490.13	526.68	579.83	655.26	764.24	937.76
Canada Life	443.06	477.48	526.64	600.73	715.33	901.24
Desjardins	464.61	504.54	559.68	638.78	740.97	884.94
Empire Life	423.72	464.36	520.11	596.46	699.09	-
Manulife Investments	477.56	512.20	561.73	633.96	728.66	872.83
RBC Life Insurance	449.27	489.68	543.79	618.43	734.45	919.48
Sun Life Assurance	456.32	491.34	541.19	617.37	-	-

Single Life: Male, 10 year guarantee option

Company	55	60	65	70	75	80
BMO Insurance	495.38	519.39	566.31	628.53	674.57	763.38
Canada Life	439.08	470.93	515.16	577.13	661.04	762.78
Desjardins	461.15	498.76	549.35	617.33	692.74	791.92
Empire Life	420.53	458.01	506.58	569.07	650.38	754.29
Equitable	495.49	519.69	567.14	634.08	675.92	753.73
Manulife Investments	472.61	503.87	548.60	613.64	688.42	753.55
RBC Life Insurance	449.81	511.56	564.61	627.06	696.63	792.41
Sun Life Assurance	453.12	485.15	528.32	590.46	-	-

Single Life: Female, no guarantee option

Company	55	60	65	70	75	80
BMO Insurance	475.43	506.96	552.37	610.52	679.66	830.32
Canada Life	422.85	450.94	490.35	546.55	629.43	759.70
Desjardins	441.89	476.39	523.39	589.14	671.00	798.67
Empire Life	401.39	434.22	479.59	543.97	638.15	-
Manulife Investments	463.77	493.90	537.52	594.53	673.00	788.76
RBC Life Insurance	428.12	463.69	511.86	576.51	670.22	820.89
Sun Life Assurance	436.01	469.37	512.84	576.07	-	-

Single Life: Female, 10 year guarantee option

Company	55	60	65	70	75	80
BMO Insurance	480.00	502.82	552.44	593.74	627.96	725.65
Canada Life	421.31	448.10	484.87	535.54	605.67	699.15
Desjardins	440.19	473.19	517.08	576.20	643.33	742.84
Empire Life	400.04	431.49	473.79	531.47	610.35	713.04
Equitable	477.34	501.65	542.35	594.97	634.42	718.60
Manulife Investments	460.46	488.03	528.27	579.51	643.22	718.28
RBC Life Insurance	428.10	494.89	550.97	592.36	641.69	738.47
Sun Life Assurance	433.53	464.55	503.29	556.79	-	-

Joint Life: guarantee option

Company	55	60	65	70	75	80
BMO Insurance	441.46	462.70	494.22	533.41	574.23	677.91
Canada Life	398.78	419.52	449.03	492.78	558.60	662.31
Desjardins	413.10	439.72	476.66	529.16	593.21	705.54
Empire Life	375.87	400.62	434.78	482.97	553.00	-
Manulife Investments	430.71	452.31	487.06	529.42	588.41	679.82
RBC Life Insurance	403.45	429.31	465.70	515.96	586.63	698.06
Sun Life Assurance	411.06	431.74	460.83	509.12	-	-

Joint Life: 10 year guarantee option

Company	55	60	65	70	75	80
BMO Insurance	449.19	464.22	504.80	536.60	563.11	660.92
Canada Life	398.74	419.42	448.75	491.89	555.37	647.84
Desjardins	413.06	439.63	476.39	528.27	589.97	691.75
Empire Life	375.84	400.51	434.43	481.86	549.70	648.59
Equitable	447.89	464.57	496.17	538.42	569.36	649.87
Manulife Investments	430.62	452.08	486.78	528.36	585.10	666.03
RBC Life Insurance	405.43	447.68	507.58	553.67	599.65	685.87
Sun Life Assurance	411.01	431.59	460.35	507.56	-	-

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