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 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

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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

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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

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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

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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

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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.

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