Annuity Rate Comparisons

With vs Without Guarantee
Published:

Single Life - Male

Age With Guarantee
10-Year		 Without Guarantee
0-Year		 Monthly Difference
10yr - 0yr

Single Life - Female

Age With Guarantee
10-Year		 Without Guarantee
0-Year		 Monthly Difference
10yr - 0yr

Joint Life -

Age With Guarantee
10-Year		 Without Guarantee
0-Year		 Monthly Difference
10yr - 0yr

Annuity rates are based on the following assumptions.

• $100,000 of registered funds • 0yr and 10yr guarantee periods • Payments begin in one month

Show All Insurer Rate Tables

Use the button to view all insurer rates. Monthly income per $100,000; no guarantee period and 10yr guarantee period

Single Life — Male (No Guarantee)

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 — Male (10-Year Guarantee)

Company 55 60 65 70 75 80
BMO Insurance 481.39 520.51 568.49 628.53 674.57 763.38
Canada Life 450.14 482.15 526.58 588.77 672.91 774.36
Desjardins 461.74 499.51 550.30 618.52 694.15 793.26
Empire Life 424.15 461.82 510.58 573.19 654.49 758.13
Equitable 481.56 520.67 568.74 629.52 673.28 735.70
Manulife Investments 472.32 505.36 550.68 613.35 678.84 718.64
RBC Life Insurance 447.37 512.48 567.61 628.14 690.28 794.63
Sun Life Assurance 454.47 486.71 578.38 592.16 - -

Single Life — Female (No Guarantee)

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 - -

Single Life — Female (10-Year Guarantee)

Company 55 60 65 70 75 80
BMO Insurance 471.71 495.38 556.91 598.01 631.97 729.48
Canada Life 431.80 458.81 495.95 546.60 616.96 710.36
Desjardins 440.64 473.77 517.83 577.15 644.51 744.09
Empire Life 403.25 434.76 477.15 534.96 613.94 716.55
Equitable 468.37 495.57 541.25 595.47 633.06 702.16
Manulife Investments 459.59 488.44 529.45 579.45 638.97 702.12
RBC Life Insurance 425.49 486.91 556.07 597.50 640.84 740.96
Sun Life Assurance 434.47 465.60 504.48 557.98 - -

Joint Life (No Guarantee) —

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 - -

Joint Life (10-Year Guarantee) —

Company 55 60 65 70 75 80
BMO Insurance 440.87 456.80 509.24 540.84 567.10 664.77
Canada Life 409.22 430.01 459.36 502.64 566.29 658.88
Desjardins 413.38 440.07 476.99 529.11 591.12 693.16
Empire Life 378.94 403.65 437.63 485.19 553.20 652.21
Equitable 438.73 458.34 494.91 538.76 566.36 631.44
Manulife 429.86 452.06 487.90 530.42 587.09 659.95
RBC Life Insurance 402.65 443.13 503.35 556.36 602.67 688.32
Sun Life Assurance 411.92 432.63 461.63 509.02 - -

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Insight: Annuities without a guarantee period typically pay higher monthly income than those with a guarantee since there's no minimum payment requirement.

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