2025 Best Annuity Rates in Canada

Annuity Comparison Tables

2025 annuity rates
Figure 1. Annuity Rates 2025

Annuity Rates as of Apr 2, 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 Apr 2, 2025

Single Life: Male, no guarantee option

Company 55 60 65 70 75 80
BMO Insurance 480.08 522.04 575.83 650.71 748.26 921.43
Canada Life 454.55 491.45 543.85 621.81 741.85 933.12
Desjardins 459.66 499.92 555.46 635.07 743.10 887.58
Empire Life 429.51 470.54 526.82 603.81 707.00 -
Manulife Investments 478.01 520.41 575.55 651.51 767.11 954.87
RBC Life Insurance 443.64 482.11 533.82 610.26 728.55 917.62
Sun Life Assurance 449.84 485.60 536.93 616.21 738.88 925.45

Single Life: Male, 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 479.88 517.92 568.88 631.69 674.08 762.91
Canada Life 450.33 484.44 531.52 596.34 683.03 784.97
Desjardins 456.21 494.14 545.11 613.52 694.15 793.26
Empire Life 426.19 463.94 512.79 575.48 656.83 760.45
Equitable 481.24 515.88 564.25 627.75 687.74 758.59
Manulife Investments 472.76 511.16 558.18 618.11 692.94 768.12
RBC Life Insurance 443.89 509.83 568.15 631.48 684.59 792.28
Sun Life Assurance 446.69 479.50 524.15 589.18 674.04 767.29

Single Life: Female, no guarantee option

Company 55 60 65 70 75 80
BMO Insurance 463.52 493.03 537.61 599.39 657.81 808.12
Canada Life 430.87 460.81 502.31 560.52 646.31 779.60
Desjardins 436.74 471.53 518.88 585.04 672.58 800.67
Empire Life 406.63 439.65 485.28 550.05 644.77 -
Manulife Investments 463.00 490.81 536.83 599.70 693.47 836.13
RBC Life Insurance 423.23 457.94 503.97 567.24 662.90 816.22
Sun Life Assurance 428.82 462.60 507.66 573.41 668.41 826.78

Single Life: Female, 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 461.57 491.28 536.46 591.93 629.96 727.56
Canada Life 429.28 457.83 496.57 549.04 621.49 716.93
Desjardins 435.05 468.34 512.57 572.07 644.51 744.09
Empire Life 405.24 436.82 479.30 537.20 616.26 718.88
Equitable 462.17 492.33 527.87 585.58 644.50 727.36
Manulife Investments 459.87 485.10 526.29 579.88 650.34 733.16
RBC Life Insurance 423.17 483.27 535.53 591.50 634.57 737.07
Sun Life Assurance 426.42 457.94 498.35 554.36 624.17 715.28

Joint Life: guarantee option

Company 55 60 65 70 75 80
BMO Insurance 429.67 449.05 479.96 522.84 554.07 657.98
Canada Life 405.71 428.15 459.94 506.19 575.37 682.70
Desjardins 407.84 434.76 472.05 524.97 594.44 707.26
Empire Life 380.89 405.74 440.07 488.51 558.88 -
Manulife Investments 426.68 445.97 482.45 533.22 605.73 717.22
RBC Life Insurance 398.56 424.24 459.33 507.64 578.72 692.36
Sun Life Assurance 403.07 424.03 454.54 504.56 575.65 684.18

Joint Life: 10 year guarantee option

Company 55 60 65 70 75 80
BMO Insurance 430.73 452.72 488.92 534.81 565.10 662.85
Canada Life 405.67 428.04 459.64 505.23 571.84 667.23
Desjardins 407.80 434.67 471.77 524.07 591.12 693.16
Empire Life 380.85 405.63 439.70 487.35 555.45 654.52
Equitable 432.51 455.09 483.26 531.09 580.86 656.71
Manulife Investments 426.59 445.73 481.76 531.20 598.25 686.25
RBC Life Insurance 400.47 439.36 494.15 543.95 594.31 683.20
Sun Life Assurance 403.02 423.88 454.07 502.99 569.42 658.52

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