2026 Best Annuity Rates in Canada
Annuity Comparison Tables
Annuity Rates as of January 1, 2026
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 | 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 |
| Manulife Investments | 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
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 | n/a | n/a | n/a | n/a | n/a | n/a |
| Manulife Investments | 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 Co | n/a | n/a | n/a | n/a | n/a | n/a |
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 | 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 |
| Manulife Investments | 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 Co | 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 | n/a | n/a | n/a | n/a | n/a | n/a |
| Manulife Investments | 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 Co | 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 |
| Manulife Investments | 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 Co | 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 | n/a | n/a | n/a | n/a | n/a | n/a |
| Manulife Investments | 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 Co | n/a | n/a | n/a | n/a | n/a | n/a |
Source: LifeAnnuities.com Inc. - Annuity Rates Survey Table as of January 2026.