2025 Best Annuity Rates in Canada
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Annuity Comparison Tables

2025 annuity rates
Figure 1. Annuity Rates 2025

Annuity Rates as of January 1, 2025

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

Male Annuity Rates
Female Annuity Rates
Joint Annuity Rates

Single Life: Male, no guarantee option

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Company Age 55 Age 60 Age 65 Age 70 Age 75 Age 80
BMO Insurance n/a n/a n/a n/a n/a n/a
Canada Life n/a n/a n/a n/a n/a n/a
Desjardins Fin. Security n/a n/a n/a n/a n/a n/a
Empire Life n/a n/a n/a n/a n/a n/a
RBC Life Insurance n/a n/a n/a n/a n/a n/a
Sun Life Assurance n/a n/a n/a n/a n/a n/a

Single Life: Male, 10 year guarantee option

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Company Age 55 Age 60 Age 65 Age 70 Age 75 Age 80
BMO Insurance n/a n/a n/a n/a n/a n/a
Canada Life n/a n/a n/a n/a n/a n/a
Desjardins Fin. Security n/a n/a n/a n/a n/a n/a
Empire Life n/a n/a n/a n/a n/a n/a
Equitable Life n/a n/a n/a n/a n/a n/a
RBC Life Insurance n/a n/a n/a n/a n/a n/a
Sun Life Assurance n/a n/a n/a n/a n/a n/a

Single Life: Female, no guarantee option

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Company Age 55 Age 60 Age 65 Age 70 Age 75 Age 80
BMO Insurance n/a n/a n/a n/a n/a n/a
Canada Life n/a n/a n/a n/a n/a n/a
Desjardins Fin. Security n/a n/a n/a n/a n/a n/a
Empire Life n/a n/a n/a n/a n/a n/a
RBC Life Insurance n/a n/a n/a n/a n/a n/a
Sun Life Assurance n/a n/a n/a n/a n/a n/a

Single Life: Female, 10 year guarantee option

Download Annuity Rates     View Bar Graph     Annuity Rate Calculator

Company Age 55 Age 60 Age 65 Age 70 Age 75 Age 80
BMO Insurance n/a n/a n/a n/a n/a n/a
Canada Life n/a n/a n/a n/a n/a n/a
Desjardins Fin. Security n/a n/a n/a n/a n/a n/a
Empire Life n/a n/a n/a n/a n/a n/a
Equitable Life n/a n/a n/a n/a n/a n/a
RBC Life Insurance n/a n/a n/a n/a n/a n/a
Sun Life Assurance n/a n/a n/a n/a n/a n/a

Joint Life: no guarantee option

Download Annuity Rates     View Bar Graph     Annuity Rate Calculator

Company Age 55 Age 60 Age 65 Age 70 Age 75 Age 80
BMO Insurance n/a n/a n/a n/a n/a n/a
Canada Life n/a n/a n/a n/a n/a n/a
Desjardins Fin. Security n/a n/a n/a n/a n/a n/a
Empire Life n/a n/a n/a n/a n/a n/a
RBC Life Insurance n/a n/a n/a n/a n/a n/a
Sun Life Assurance n/a n/a n/a n/a n/a n/a

Joint Life: 10 year guarantee option

Download Annuity Rates     View Bar Graph     Annuity Rate Calculator

Company Age 55 Age 60 Age 65 Age 70 Age 75 Age 80
BMO Insurance n/a n/a n/a n/a n/a n/a
Canada Life n/a n/a n/a n/a n/a n/a
Desjardins Fin. Security n/a n/a n/a n/a n/a n/a
Empire Life n/a n/a n/a n/a n/a n/a
Equitable Life n/a n/a n/a n/a n/a n/a
RBC Life Insurance n/a n/a n/a n/a n/a n/a
Sun Life Assurance n/a n/a n/a n/a n/a n/a

Source: LifeAnnuities.com Inc. - Annuity Rates Survey Table as of January 2025.

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