Canadian Annuity Rates Comparison 2011 to 2013

As we enter 2013, the Democrats and Republicans appear to have made an uneasy peace which bodes not much change is coming for 2013 Canadian annuity rates.

Is that such a great change from 2011 and 2012 where not much change was seen either.

Below are tables showing Annuity Rates Comparison from 2011 to 2013.

2013 Male Annuity Rates

annuity rates canada male single registered 2013







2013 Female Annuity Rates

annuity rates canada female single registered 2013







2012 Male Annuity Rates

annuity rates canada male single registered 2012







2012 Female Annuity Rates

annuity rates canada female single registered 2012







2011 Male Annuity Rates

annuity rates canada male single registered 2011


2011 Female Annuity Rates

annuity rates canada female single registered 2011

In examining the returns, it would appear that not much has changed. Those waiting for higher annuity rates to guarantee a higher monthly return are still waiting. Annuity rates depend on a few important factors, all or any of which should not concern the potential annuitants.

What the annuitant needs to be concerned about is their own age and lifestyle. You are not going to live forever and the longer you wait to take your income, the less you will receive. Even if the rates increase, you still need to make up for the payments you did not take and the increase in capital you did not earn.

Annuities in 2013 don’t show  any sign of major change, a little bit up and a little bit down, just like 2011 and 2012. Meanwhile you are getting older and losing valuable income if you don’t move.

You are not alone in waiting in the hope that change will come. We have one client, age 70 with a large amount earning less than 1% per year. He is losing money through lack of return and inflation and has been waiting for the rates to increase since 2010. Each year he has been offered progressively less and he has run out of time to maximize his income. Don’t be like this man.

Obtain your own annuity rate.



Best Annuity Rate Comparison Tables of 2012

Below are the best annuity rate comparison tables which we prepared on November 2, 2012.

The annuity rates shown below are from registered funds. All annuity rates provided are immediate life annuities. We compare annuity rates for males and females. A joint comparison is also available for your spouse. All the annuity rates are based on monthly incomes with a premium of $100,000 of registered funds. The income payments will commence in one month.

Annuity Comparison Tables



















Click here to view the full Annuity Rates Comparison Table 2012 article.


Annuity Rates Canada as of October 29, 2012

Canadian annuity rates as of October 29th, 2012.

The monthly incomes are based on a premium of $100,000 of registered funds.  All payments will commence in one month.

Annuities Rates: Single life female, no guarantee








Annuities Rates : Single life male, no guarantee








Annuities Rates: Joint life, no guarantee









Calculate your own annuity rate. Use our online annuity calculator.


Current Annuity Rates for August 2012

The annuity rates shown below are registered monthly annuity rates, based on a premium of $100,000. Published on August 23, 2012.

The tables below will provide a quick idea of the current annuity rates available in Canada and the level of income the annuity companies will offer you. You can at no cost and no obligation request a quote for your specific needs.

>> Request an annuity quote <<

Current Male Annuity Rates








Current Female Annuity Rates








Current Joint Annuity Rates








For more life annuities.


Will Annuity Rates Go Up In 2012?

I am asked on a daily basis whether annuity rates will go up in 2012 and the plain answer is that “I don’t know”.

But that is the wrong question. Whether annuity rates go up or down, does not answer your real question. Your real question is “Should I wait to take the annuity?”

And the answer to that is no. President Obama has said that he’ll keep rates low until the end of 2014 or 2 1/2 years away and Canada can’t disregard that.

And if annuity rates due rise, what are you going to do? How do you know that annuity rates won’t rise more. And then increase some more?

The only thing that is true is that if you will miss taking $500 a month for any period of time, you have to make the loss up in increased payments which is nearly impossible.

And what if annuity rates go down while you’re waiting?


Single Life Annuity Table

Annuity Table below is for a single life male and single life female.

Annuity Details:
The tables below show a premium amount of $100,000 registered funds with a purchase date May 1, 2012 & Start date June 1, 2012. Monthly income are listed below by age group.

Visit our 2012 Annuity Table for further information.

Canadian Single life annuity table as of April 17, 2012.

Our annuity rates are from Canada Life and may have changed since the table was last updated, to get up to date annuity rates please use our annuity calculator.


2012 Canadian Annuity Rates

The following annuity rates are the best Canadian annuity rates as of April 02, 2012.

The tables show the monthly incomes for annuity rates based on a premium of $100,000.

Non-Registered, Male,  Canadian Annuity Rates

Registered, Male,  Canadian Annuity Rates

Non-Registered, Female,  Canadian Annuity Rates

Registered, Female,  Canadian Annuity Rates

Non-Registered, Joint,  Canadian Annuity Rates

Registered, Joint,  Canadian Annuity Rates

Get Your Own Exclusive Annuity Rate
Click our online annuity quote form to get your annuity rate. Enter the principal amount to invest and we’ll provide the exact monthly income you will receive for the rest of your lifetime.

For more information on 2012 Annuity Rates.