Annuity Rate Comparisons
Nov 4, 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
478.31
516.83
571.26
643.90
752.82
926.09
Canada Life
454.30
488.97
538.50
613.18
728.85
916.33
Desjardins
465.25
505.37
560.78
640.28
743.10
887.58
Empire Life
427.45
468.38
524.53
601.38
704.46
-
Manulife Investments
477.54
514.56
568.07
644.26
746.02
909.20
RBC Life Insurance
446.81
487.65
542.31
617.93
734.63
920.87
Sun Life Assurance
457.79
493.11
543.36
619.95
-
-
Single Life —
Company
55
60
65
70
75
80
BMO Insurance
467.09
488.42
533.09
592.74
662.16
812.55
Canada Life
433.41
461.77
501.65
557.99
641.45
772.47
Desjardins
442.36
477.01
524.23
590.27
672.58
800.67
Empire Life
404.63
437.56
483.09
547.74
642.33
-
Manulife Investments
462.78
494.36
540.44
599.74
682.45
804.22
RBC Life Insurance
425.48
461.27
509.99
575.62
669.83
816.73
Sun Life Assurance
436.99
470.50
514.19
577.62
-
-
Joint Life —
Company
55
60
65
70
75
80
BMO Insurance
433.20
444.54
475.61
516.53
558.08
661.95
Canada Life
409.26
430.12
459.65
503.57
569.65
673.84
Desjardins
413.42
440.17
477.27
530.02
594.44
707.26
Empire Life
378.97
403.75
438.01
486.35
556.62
-
Manulife Investments
429.95
452.31
488.46
532.61
595.13
692.82
RBC Life Insurance
400.65
426.71
463.45
514.41
585.79
697.92
Sun Life Assurance
411.97
432.79
462.13
510.64
-
-
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
