Life Annuities

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Annuity Rates

Annuity Rates

Annuity rates as of April 2017

Annuity Details

male Male | male Female | malemale Joint

The following monthly incomes are based on a premium of $100,000 of RRSP funds. Payments will commence in one month and the selected guarantee period option is zero years.

male Single Life: Male

60 65 70 75
$473.63 $539.90 $633.83 $718.10
$455.13 $510.95 $597.47 -
$467.28 $537.86 $632.69 $743.38
$454.23 $520.81 $609.03 $722.53
$455.13 $510.95 $597.47 -
$447.22 $504.66 $577.37 $703.98
$465.43 $534.26 $630.50 $743.81
$451.36 $534.99 $630.61 $747.62


male Single Life: Female

60 65 70 75
$432.97 $484.73 $559.21 $623.24
$423.57 $465.59 $529.53 -
$417.96 $474.19 $551.67 $646.03
$415.66 $469.77 $543.94 $648.66
$423.57 $465.59 $529.53 -
$421.68 $462.48 $513.47 $612.51
$418.52 $470.22 $545.67 $657.46
$415.67 $479.20 $560.79 $662.27


malemale Joint Life

60 65 70 75
$390.49 $429.13 $484.84 $522.31
$378.68 $422.55 $470.27 -
$376.86 $421.45 $482.29 $551.79
$378.29 $421.10 $478.78 $558.66
$378.68 $422.55 $470.27 -
$367.48 $399.62 $436.12 $505.88
$381.03 $421.48 $477.89 $556.11
$373.17 $432.92 $491.25 $563.06


© 2017 The Hughes Trustco Group Ltd

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This annuity calculator is for illustration purposes only and contains general information. These results are based on the data you have entered and is to be used for estimate purposes only.

© 2017 The Hughes Trustco Group Ltd

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What Client's Are Saying

5 STAR RATING "In April, 2016, my wife and I purchased a Joint Life annuity with the assistance and guidance of “ - The Hughes Trustco Group Ltd”. Ivon provided quotes from financial institutions and advice which guided us to the optimal insurance product for our needs. All documentation for the transaction was prepared by Ivon.

Regards Linda and John

5 STAR RATING "Since we were most pleased with your services several years ago, we had the utmost confidence calling you again to help us purchase a joint life annuity." Thank you for finding us the best possible rate and for handling the paperwork required by the life insurance company. Once again we received our contract and initial payment on time. Once again you helped us achieve our goals while being most pleasant and communicative.

With many thanks and best regards, Bev and Chris B.

5 STAR RATING "Mr. Hughes, I would like to thank you very much for helping me place my registered pension plan funds into joint-life retirement annuities. " I especially appreciate the way you compiled quotes from seven or eight different life insurance companies to show the variations in payouts that are available at a given point in time. I also appreciate your patience in responding to my requests for different pay-out scenarios, based on different guarantee periods and other first assumptions. Your fast turn-around time made the decision making process for me and my wife very easy, and having you run interference on our behalf to facilitate the paperwork with the life insurance companies was also enormously helpful.

Yours truly, Robert from Montreal

5 STAR RATING "Ivon provided quick, efficient service in helping me purchase several annuities with a portion of my RRSP funds." He went to bat for me when my bank was very slow in transferring funds from my RRSP. He kept me informed of progress and was always available to answer questions either by phone or e-mail. I would definitely recommend the Hughes Trustco Group to anyone considering purchasing an annuity.

Paula from Ontario

5 STAR RATING "Ivon was extremely helpful in providing comparative quotes and then efficiently attending to all aspects of setting up my retirement annuities." I am happy to report that I have just received my initial quarterly payments exactly on schedule. Ivon was very responsive in answering questions and providing advice. I am more than pleased with the quality of service provided by Ivon and his team and would highly recommend the Hughes Trustco Group to anyone considering annuities.

Allan F. from B.C.

5 STAR RATING "I approached your company because I found your website well structured, informative and easy to use." Paul from Ontario rating "Very quick responce very good service."

Ken Thompson - P.E.I.

5 STAR RATING "I used your services few years ago for my mother (annuities) and we were very happy with your services."

Robert from Ottawa

5 STAR RATING "Ivon was always available and answered all my questions accurately and patiently." Several months ago, I engaged Ivon Hughes of the Hughes Trustco Group to explore annuities for myself and my wife.

As I intended to use both registered (RRSP) money and non-registered monies, Ivon explained to me that different tax rules applied. As this would obviously affect my after-tax income, it helped me make some strategiic decisions. And one important idea he gave me was to split the capital to take advantage of the 100 % insurance coverage available which guarantees the payments.

We had a lot of problems with the bank that held the RRSP funds which was using technical excuses to retain the capital In fact it took over 7 weeks for the transfer and exceeded the 45 days guarantee of income that I had in place.

However, Ivon overcame that problem and took care of the transfer fees. In the meantime, I was constantly updated with quotes to make sure I got the best rate for all my funds.The non registered policies were issued quickly.

Ivon was always available and answered all my questions accurately and patiently. If you are thinking of buying an annuity, he is your man.

Louis from Ontario

5 STAR RATING "It was not easy to trust someone with our life savings, but we are glad we trusted Ivon."

My wife and I wish to express our appreciation for the excellent advice and service we received from Mr. Ivon Hughes.

A year ago we sold our house and purchased annuities with the proceeds. It is not without trepidation that we converted most of our savings into a pension plan. But as a result our monthly income was more than doubled. We will receive that income until we are both deceased and even if we both died tomorrow the payments would still continue for the next 19 years. 100 % of the original amount will have been paid back to us in 20 years. A minimum return of 3% would be required, year after year, to earn the same monthly income over the next 30 years, and unlike an annuity, the full amount of interest on the capital would be taxable.

The web site is the best one I have found for getting approximate annuity rates, and when I requested quotations, they were provided promptly, over the phone or the next day. I can not say the same for the Insurance agents I consulted directly. With Mr. Hughes we were able to purchase annuities from three different companies in order to minimize the risks and to optimize our income. It was not easy to trust someone with our life savings, but we are glad we trusted Ivon. Thank you Ivon

Fernand and Thérèse V. Toronto, Ontario

5 STAR RATING "Purchasing our first annuity" We would like to thank you for the help and counsel you provided in purchasing our first annuity. We plan to continue to use your services as we proceed to build our annuity portfolio with periodic annuity purchases over the next several years.

Deborah & David F. from Sharon, Ontario

5 STAR RATING "Very simple on prompt information and answers" Purchasing an annuity is the first and only experience I've had with The Hughes Trustco Group, and it was a very simple on prompt information and answers to my questions by e-mail, telephone, so yes a very positive experience and I would not hesitate to recommend Mr. Hughes and his company.

Catherine D. from Picton, Ontario

5 STAR RATING "Thank you Mr Hughes for all your assistance in securing the best annuity rate for me, and for your diligence in coordinating the transfer of my pension". Your persistence in dealing with all the parties involved was greatly appreciated, and it was a relief to know that you were handling the myriad of paperwork on my behalf. Regards, Kathryn K. rating "Kudos to you for having set up satisfactorily the Annuity Program which you have proposed, and was subsequently accepted by myself." I am of the opinion that this Annuity will satisfy my needs for the foreseeable. It was in large measure thanks to the three successful RRIFs that you set up for me over 20 yrs ago that I felt reassured that your annuity plan would satisfy my needs once again. I thank you for the time and effort you spent in bringing this deal to fruition as promised.

Best regards,

Donald Mooney

5 STAR RATING "I was very pleased with the friendly service and highly recommend Ivon and" Having recently turned 71, I faced the need to decide what to do with the funds in my RRSP and decided to put a substantial portion into a life annuity to provide a guaranteed income for me and my wife during our retirement years. I searched the Internet, and found After I checked with two of the 12 life insurance companies LifeAnnuities claimed to represent to be sure everything was as represented on the website, I completed the form available there. Ivon Hughes called shortly thereafter and discussed with me the various types of annuities and ways to maximize income from investment in an annuity. He then compared the rates of return offered by different insurance companies for the type of coverage I was seeking. All arrangements were completed by phone, fax, email and post, making my life easy. When the insurance company made an error in their request for funds from the bank holding my RRSP, Ivon helped to straighten things out quickly and efficiently. I was very pleased with the friendly service and highly recommend Ivon and for planning and instituting an annuity.

B. from Hamilton.

5 STAR RATING "Mr. Hughes, Thank you for the work that you have done on the annuity quotations." You responded very quickly. During our discussions, you displayed a high level of knowledge of the various income options available to investors and you provided clear and incisive commentary on the state of the market and the products available. Ross, Ontario rating "Thank you, Ivon, for your quick and forthright response." I appreciate all your recent efforts and those of ten years ago in meeting my particular insurance needs. I wish you well.

Regards, Terry, Ontario

5 STAR RATING "The rates you obtained for us were better than we had hoped" Thank you for all of your hard work securing our LIRA and RRSP joint annuities. It seems that there are not many financial advisors who are interested in helping their clients purchase annuities, so we consider ourselves to be very lucky in having found you and your website. The rates you obtained for us were better than we had hoped. We especially appreciated the way you provided choices and kept us informed by phone and by email. You were able to help us achieve our goals while being most pleasant and communicative. With sincere thanks, C and B Saint John, NB rating "My valued financial security advisors" My association with Ivon Hughes and Hughes Trustco goes back 25 years. Widowed in 2009, I have been relying on them, not only as agents for my insurance annuity policies, but more importantly as my valued financial security advisors. My heirs, though willing, are not financial experts and will be relieved to be able to turn to Ivon and Hughes Trustco. In arranging annuities has made it possible for me to enjoy lifelong monthly income to add to pensions - Allowing me security and peace of mind. Without the thoughtful expertise of Hughes Trustco and Ivon, my old age would be far from ideal. I am enormously grateful to them and him.

Pam Taylor

© 2017 The Hughes Trustco Group Ltd

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About Us

About Us is a Hughes Trustco Group Ltd website.

The Hughes Trustco Group Ltd are Canadian Insurance and investment brokers in business since 1972.

About Ivon T. Hughes

Ivon T Hughes is a licensed Canadian annuity broker having been in the annuity and life insurance business over 40 years. A qualified Annuities Broker can help design an annuity to fit your needs and can instantly provide quotes from all the leading annuity providers.

Customer Satisfaction is committed to ensuring that the sales process is of the highest integrity and focused on your needs. To meet this challenge, we have put in place two important programs to safeguard your interests and to ensure that you are completely satisfied with the product you purchase.

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© 2017 The Hughes Trustco Group Ltd

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Contact Us

Contact Us

Monday to Friday
8:00 a.m. to 4:00 p.m. Est

Canada Toll Free: 1-877-842-3863

Local Phone: 514-842-9001

Fax: 514-375-1182


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The Hughes Trustco Group Ltd
1117 St. Catherine Street West
Suite 325
Montreal, Quebec

© 2017 The Hughes Trustco Group Ltd

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