Annuity Rate Comparisons
Jan 1, 2026
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
485.99
522.62
575.25
650.71
759.67
933.09
Canada Life
463.44
497.69
546.96
620.94
735.97
922.31
Desjardins
473.04
512.76
567.70
646.62
748.65
892.27
Empire Life
440.81
481.20
536.78
613.00
715.37
-
Manulife Investments
493.75
531.12
584.95
660.94
762.88
927.18
RBC Life Insurance
458.88
498.23
551.00
625.02
741.34
927.02
Sun Life Assurance
472.97
508.25
558.46
635.13
-
-
Single Life —
Company
55
60
65
70
75
80
BMO Insurance
471.25
502.30
547.24
606.06
675.27
825.87
Canada Life
442.66
471.11
510.50
566.62
649.76
779.72
Desjardins
450.37
484.66
531.45
597.01
678.66
806.04
Empire Life
418.36
450.85
495.91
560.06
654.10
-
Manulife Investments
478.55
510.54
556.98
616.60
699.41
821.85
RBC Life Insurance
438.06
472.99
520.09
582.94
676.88
826.94
Sun Life Assurance
452.30
485.96
529.75
593.38
-
-
Joint Life —
Company
55
60
65
70
75
80
BMO Insurance
437.32
458.13
489.27
529.17
570.18
673.90
Canada Life
418.85
439.32
468.68
511.99
577.71
681.37
Desjardins
421.53
447.88
484.54
536.78
600.52
712.65
Empire Life
392.77
417.02
450.70
498.43
568.06
-
Manulife Investments
444.84
467.48
503.83
548.59
610.87
708.55
RBC Life Insurance
413.38
438.80
474.37
523.11
592.93
704.51
Sun Life Assurance
427.05
447.83
477.03
525.58
-
-
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.
