Annuity Rate Comparisons
Feb 3, 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
497.26
533.66
586.14
660.97
769.98
943.61
Canada Life
457.43
540.95
540.95
614.94
729.48
915.34
Desjardins
473.04
512.76
567.70
646.62
748.65
892.27
Empire Life
435.09
475.56
531.20
607.47
709.93
-
Manulife Investments
490.28
527.71
581.61
657.64
759.47
923.42
RBC Life Insurance
460.51
499.65
552.16
626.17
742.54
928.34
Sun Life Assurance
470.20
505.47
555.61
632.20
-
-
Single Life —
Company
55
60
65
70
75
80
BMO Insurance
482.61
513.38
558.65
617.24
686.25
837.01
Canada Life
437.06
465.19
504.54
560.58
643.28
773.42
Desjardins
450.37
484.66
531.45
597.01
678.66
806.04
Empire Life
412.68
445.28
490.45
554.67
648.77
-
Manulife Investments
475.02
507.08
553.58
613.26
695.98
818.16
RBC Life Insurance
439.76
474.54
521.44
584.06
678.04
829.22
Sun Life Assurance
449.58
483.22
526.96
590.52
-
-
Joint Life —
Company
55
60
65
70
75
80
BMO Insurance
448.59
469.00
500.30
539.79
580.33
683.92
Canada Life
412.79
433.54
462.90
506.38
571.89
675.32
Desjardins
421.53
447.88
484.54
536.78
600.52
712.65
Empire Life
387.10
411.52
445.37
493.25
563.02
-
Manulife Investments
441.36
464.09
500.54
545.43
607.69
705.31
RBC Life Insurance
415.12
440.43
475.81
524.30
594.01
705.63
Sun Life Assurance
424.36
445.17
474.37
511.68
522.86
-
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.
