Annuity Rate Comparisons
Published: Oct 1, 2025
Single vs Joint Comparison Table
Age
Single ( Male)
Single ( Female)
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 — Male
Company
55
60
65
70
75
80
BMO Insurance
484.21
522.62
576.97
649.57
752.82
926.09
Canada Life
456.28
490.61
540.20
614.69
730.69
918.12
Desjardins
470.86
510.84
566.12
645.51
748.22
892.46
Empire Life
433.13
473.98
530.08
606.89
709.89
-
Manulife Investments
482.14
519.40
573.13
649.27
750.50
912.85
RBC Life Insurance
447.41
488.21
542.77
618.33
735.05
921.33
Sun Life Assurance
465.69
501.00
551.22
627.75
-
-
Single Life — Female
Company
55
60
65
70
75
80
BMO Insurance
473.04
494.19
538.74
598.28
662.16
812.55
Canada Life
435.72
464.00
503.50
559.93
643.42
774.35
Desjardins
448.00
482.52
529.60
595.51
677.68
805.58
Empire Life
410.28
443.09
488.52
553.09
647.64
-
Manulife Investments
467.11
498.95
545.27
604.80
686.96
807.81
RBC Life Insurance
426.09
461.87
510.52
576.03
670.24
817.15
Sun Life Assurance
444.76
478.30
521.95
585.32
-
-
Joint Life —
Company
55
60
65
70
75
80
BMO Insurance
439.10
450.18
481.06
521.79
558.08
661.95
Canada Life
411.07
432.04
461.78
505.48
571.64
675.89
Desjardins
419.04
445.60
482.52
535.09
599.31
712.00
Empire Life
384.58
409.20
443.30
491.49
561.63
-
Manulife Investments
433.89
456.48
492.82
537.40
599.32
696.49
RBC Life Insurance
401.25
427.29
464.00
514.88
586.19
698.31
Sun Life Assurance
419.68
440.47
469.71
518.10
-
-
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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.