Annuity Rate Comparisons
Sept 3, 2025
Single vs Joint Comparison Table
Age
Single (
Single (
Joint
Diff. vs Joint
Diff. vs Joint
Annuity rates are based on the following assumptions.
• $100,000 of registered funds • No guarantee period • Payments begin in one month
All Insurer Rate Tables
Use the button to view all insurer rates. Monthly income per $100,000; no guarantee period.
View All Insurer Rates
Single Life —
Company
55
60
65
70
75
80
BMO Insurance
496.07
534.24
588.44
660.97
764.24
937.76
Canada Life
463.34
497.84
547.62
622.34
738.66
926.53
Desjardins
482.16
521.84
576.84
656.01
758.49
902.24
Empire Life
441.71
482.43
538.44
615.19
718.06
-
Manulife Investments
515.00
546.60
609.54
696.75
829.34
1,050.98
RBC Life Insurance
454.87
492.21
544.12
620.84
739.24
928.02
Sun Life Assurance
478.94
514.51
564.99
623.94
762.60
941.66
Single Life —
Company
55
60
65
70
75
80
BMO Insurance
485.02
505.79
550.09
609.41
673.08
823.64
Canada Life
442.63
471.08
510.74
567.34
651.04
782.26
Desjardins
459.37
493.59
540.39
606.05
687.92
815.43
Empire Life
418.80
451.43
496.71
561.16
655.64
-
Manulife Investments
465.57
499.20
539.97
590.87
672.24
789.52
RBC Life Insurance
435.64
468.87
514.16
577.68
673.54
827.02
Sun Life Assurance
457.72
491.55
535.45
599.05
693.03
844.27
Joint Life —
Company
55
60
65
70
75
80
BMO Insurance
450.97
461.55
492.02
532.35
568.16
671.91
Canada Life
417.79
438.90
468.75
512.55
578.84
683.28
Desjardins
430.34
456.53
493.08
545.28
609.09
721.50
Empire Life
393.07
417.44
451.28
499.24
569.18
-
Manulife Investments
457.71
474.06
510.42
556.17
629.71
742.03
RBC Life Insurance
411.27
436.00
469.72
517.62
588.93
702.64
Sun Life Assurance
432.37
453.34
482.71
531.25
599.24
702.52
Insight: Single life payouts are typically higher than joint life payouts at the same age because joint payments are designed to continue for two lives.
Beneva
BMO Insurance
Canada Life
Desjardins Financial
Empire Life
Equitable Life
Great-West Life
Industrial Alliance
ivari
Manulife
RBC Insurance
Sun Life
