Beneva
BMO Insurance
Canada Life
Desjardins Financial
Empire Life
Equitable Life
Great-West Life
Industrial Alliance
ivari
Manulife
RBC Insurance
Sun Life
2025 Best Annuity Rates in Canada
Annuity Comparison Tables
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
Download Annuity Rates View Bar Graph Annuity Rate Calculator
| Company | Age 55 | Age 60 | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|---|---|
| BMO Insurance | 471.27 | 514.53 | 568.98 | 645.03 | 745.42 | 918.53 |
| Canada Life | 452.95 | 490.68 | 543.88 | 621.80 | 745.88 | 939.62 |
| Desjardins Fin. Security | 468.05 | 508.10 | 563.45 | 642.90 | 753.35 | 897.34 |
| Empire Life | 435.73 | 477.07 | 533.72 | 611.12 | 714.61 | n/a |
| Manulife Investments | 481.46 | 523.81 | 578.90 | 654.82 | 757.60 | 945.00 |
| RBC Life Insurance | 445.91 | 483.94 | 535.64 | 612.15 | 730.52 | 919.75 |
| Sun Life Assurance | 446.72 | 483.82 | 536.79 | 618.14 | 743.28 | 932.76 |
Single Life: Male, 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 | 473.52 | 511.73 | 563.42 | 632.74 | 677.54 | 766.20 |
| Canada Life | 448.80 | 483.77 | 531.68 | 596.54 | 687.03 | 790.83 |
| Desjardins Fin. Security | 464.52 | 502.20 | 552.90 | 621.03 | 703.71 | 802.35 |
| Empire Life | 432.35 | 470.35 | 519.46 | 582.38 | 663.85 | 767.42 |
| Equitable | 474.72 | 512.43 | 564.31 | 632.25 | 691.13 | 767.36 |
| Manulife Investments | 476.15 | 514.48 | 561.39 | 621.19 | 684.52 | 760.19 |
| RBC Life Insurance | 446.16 | 505.46 | 562.87 | 632.81 | 686.51 | 794.18 |
| Sun Life Assurance Co | 443.66 | 477.83 | 524.19 | 591.29 | 678.51 | 774.11 |
Single Life: Female, 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 | 452.31 | 484.97 | 530.84 | 593.29 | 651.84 | 802.04 |
| Canada Life | 429.48 | 459.59 | 501.96 | 561.94 | 649.41 | 784.78 |
| Desjardins Fin. Security | 445.18 | 479.76 | 526.91 | 592.89 | 682.79 | 810.50 |
| Empire Life | 412.65 | 445.93 | 491.87 | 557.00 | 652.10 | n/a |
| Manulife Investments | 462.47 | 494.23 | 540.21 | 603.03 | 683.95 | 826.48 |
| RBC Life Insurance | 425.75 | 460.18 | 505.89 | 569.17 | 664.90 | 818.35 |
| Sun Life Assurance Co | 425.33 | 460.35 | 506.96 | 574.60 | 671.80 | 832.91 |
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 | 452.20 | 487.30 | 531.49 | 590.86 | 628.96 | 726.60 |
| Canada Life | 427.92 | 456.65 | 496.28 | 550.52 | 624.62 | 721.94 |
| Desjardins Fin. Security | 443.45 | 476.49 | 520.47 | 579.70 | 654.25 | 753.39 |
| Empire Life | 411.23 | 443.05 | 485.79 | 543.96 | 623.23 | 725.89 |
| Equitable | 453.79 | 488.24 | 531.81 | 589.97 | 650.37 | 732.59 |
| Manulife Investments | 459.34 | 488.47 | 529.58 | 583.06 | 641.58 | 724.83 |
| RBC Life Insurance | 425.58 | 480.71 | 530.74 | 590.68 | 636.37 | 738.90 |
| Sun Life Assurance Co | 423.00 | 455.80 | 497.80 | 555.73 | 627.69 | 721.18 |
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 | 418.57 | 441.16 | 473.44 | 517.06 | 548.58 | 652.54 |
| Canada Life | 403.83 | 426.56 | 459.15 | 506.35 | 577.48 | 686.74 |
| Desjardins Fin. Security | 416.23 | 442.88 | 479.89 | 532.55 | 604.19 | 716.74 |
| Empire Life | 386.68 | 411.73 | 446.32 | 495.04 | 565.70 | n/a |
| Manulife Investments | 426.16 | 449.30 | 485.69 | 536.38 | 608.82 | 708.47 |
| RBC Life Insurance | 401.13 | 426.63 | 461.38 | 509.46 | 580.59 | 694.30 |
| Sun Life Assurance Co | 398.82 | 420.87 | 452.82 | 504.65 | 577.85 | 688.80 |
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 | 421.37 | 448.76 | 483.99 | 533.75 | 564.11 | 661.88 |
| Canada Life | 403.79 | 426.45 | 458.85 | 505.39 | 573.96 | 671.24 |
| Desjardins Fin. Security | 416.19 | 442.78 | 479.61 | 531.63 | 600.81 | 702.48 |
| Empire Life | 386.64 | 411.62 | 445.93 | 493.86 | 562.23 | 661.47 |
| Equitable | 424.09 | 450.98 | 485.44 | 535.37 | 583.92 | 663.15 |
| Manulife Investments | 426.07 | 449.05 | 485.00 | 534.34 | 601.28 | 677.90 |
| RBC Life Insurance | 403.00 | 438.51 | 488.99 | 540.69 | 594.58 | 685.12 |
| Sun Life Assurance Co | 398.77 | 420.73 | 452.36 | 503.11 | 571.65 | 663.14 |
Source: LifeAnnuities.com Inc. - Annuity Rates Survey Table as of January 2025.