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Contents

Introduction

Chapter 1

Annuity Types:

Single Life Annuity

Joint Life Annuity

Term Certain Annuity

 

Registered and Non-Registered

Factors that affect annuity income

Advantages of an annuity

Disadvantages of an annuity

 

Chapter 2

Why an annuity?

Annuity Popularity

 

Annuity Options:

Guarantee period

Indexing

Deferred

Impaired

 

Chapter 3

Turning 71

RRIFs

RRIF or an Annuity?

Annuity Taxation

Assuris Protection

 

Chapter 4

Annuity Pros & Cons

Annuity FAQ

List of Annuity Companies

Annuity Fees

 

Chapter 5

Male Annuity Rates

Female Annuity Rates

Joint Annuity Rates

 

 

Chapter 6

Annuity Calculator

Sample of an Annuity Policy

Annuity Quote Illustration

 

Conclusion

Chapter 5: Annuity Rates

Chapter 5. Highlights

Male Annuity Rates

 

Female Annuity Rates

 

Joint Annuity Rates

 

Male Annuity Rates

Annuity rates shown below are registered. Monthly incomes based on a premium of $100,000. Payments will commence in one month. Annuity rates as of November 19, 2012.

 

Annuities: Single life male, no guarantee
Company Age in Years
60 65 69 70 75 80
BMO Insurance 470.46 538.56 604.56 624.30 737.77 882.31
Canada Life 491.99 568.35 651.16 676.60 n/a n/a
Desjardins Fin. 486.98 559.67 635.61 657.51 777.58 906.69
Empire Life 477.44 555.24 633.48 656.19 788.35 n/a
Manulife 483.15 546.05 613.04 636.96 777.80 996.57
Standard Life 432.47 502.06 576.97 598.97 729.41 915.37
Sun Life 473.84 544.62 618.15 639.62 771.78 962.94

 

Female Annuity Rates

Annuity rates shown below are registered. Monthly incomes based on a premium of $100,000. Payments will commence in one month. Annuity rates as of November 19, 2012.

 

Annuities: Single life female, no guarantee
Company Age in Years
60 65 69 70 75 80
BMO Insurance 431.16 485.73 537.30 552.93 645.30 778.14
Canada Life 422.70 489.05 549.94 569.27 n/a n/a
Desjardins Fin. 435.38 492.91 554.19 572.36 674.90 809.18
Empire Life 433.90 492.35 552.81 570.77 680.54 n/a
Manulife 450.00 499.22 553.42 572.91 687.60 861.14
Standard Life 403.59 462.80 527.53 537.53 658.02 838.24
Sun Life 436.29 495.05 555.13 572.67 681.59 842.50

 

Joint Annuity Rates

Annuity rates shown below are registered. Monthly incomes based on a premium of $100,000. Payments will commence in one month. Annuity rates as of November 19, 2012.

 

Annuities: Joint life, no guarantee
Company Age in Years
60 65 69 70 75 80
BMO Insurance 389.11 432.24 472.39 484.66 559.29 663.81
Canada Life 363.86 436.27 482.97 494.66 n/a n/a
Desjardins Fin. 393.09 438.60 486.80 500.93 577.39 693.71
Empire Life 388.37 429.98 473.26 486.19 565.82 n/a
Manulife 395.95 431.95 469.59 484.50 569.27 696.93
Standard Life 356.61 400.76 448.52 458.62 544.13 668.33
Sun Life 390.87 437.18 483.47 496.99 576.23 691.22

 

continue... Chapter 6. Annuity Calculator

 

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