Annuity Rate Comparisons

Immediate vs Deferred Rates
Published:
Age Male Female Joint
Immediate +1yr +2yr +3yr +5yr +10yr Immediate +1yr +2yr +3yr +5yr +10yr Immediate +1yr +2yr +3yr +5yr +10yr

Annuity rates are based on the following assumptions.

• $100,000 of registered funds • Immediate and deferred options use a 10-year guarantee period
• Payments begin in one month after the start date (after any deferral)

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Insight: Deferring the start date yields a higher monthly income than starting immediately because annuity payments begin later and are expected to be made over a shorter period.

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2026 Canadian Life Annuity and Retirement Income Study

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