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 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 — Male (10-Year Guarantee)

Company 55 60 65 70 75 80
BMO Insurance 488.37 522.21 570.68 630.11 676.06 764.79
Canada Life 459.21 490.78 534.94 596.45 680.12 781.21
Desjardins 469.49 506.84 557.17 624.87 699.91 798.73
Empire Life 437.43 474.51 522.66 584.63 665.35 768.56
Equitable 487.73 521.42 569.95 631.90 689.89 763.53
Manulife Investments 488.27 521.49 566.86 628.91 693.81 733.27
RBC Life Insurance 459.21 515.92 569.36 629.01 703.26 802.27
Sun Life Assurance 469.61 501.79 545.09 607.35 - -

Single Life — Female (No Guarantee)

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 - -

Single Life — Female (10-Year Guarantee)

Company 55 60 65 70 75 80
BMO Insurance 472.89 496.53 556.91 598.01 631.97 729.48
Canada Life 441.02 468.10 504.74 555.14 625.19 717.74
Desjardins 448.63 481.38 525.01 583.85 650.63 749.81
Empire Life 416.93 447.96 489.83 547.07 625.47 727.54
Equitable 473.12 502.82 556.58 597.16 648.49 730.52
Manulife Investments 475.20 504.35 545.54 595.53 654.56 717.29
RBC Life Insurance 437.97 494.03 555.83 597.04 648.09 749.04
Sun Life Assurance 449.69 480.92 519.81 573.43 - -

Joint Life (No Guarantee) —

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 - -

Joint Life (10-Year Guarantee) —

Company 55 60 65 70 75 80
BMO Insurance 442.06 457.94 509.24 540.84 567.10 664.77
Canada Life 418.80 439.21 468.39 511.06 574.37 666.55
Desjardins 421.49 447.78 484.26 535.87 597.24 698.75
Empire Life 392.74 416.91 450.32 497.27 564.66 663.07
Equitable 443.65 465.75 510.38 540.61 583.38 659.85
Manulife 444.74 467.22 503.25 546.32 602.57 674.93
RBC Life Insurance 415.34 451.15 504.36 556.27 606.76 695.54
Sun Life Assurance 427.00 447.67 476.54 523.96 - -

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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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