Click here to write a testimonial.

"Such a relief to find someone we can trust."

I was initially a bit hesitant about making large financial agreements on-line, but I am so glad we did! Our local bank representative takes sometimes a week to return a call or email and Phil Barker at Life Annuities.com is on top of things, always the same day responses. I have not seen this level of customer service for years!! Phil explained the different choices with kindness and patience and helped me to understand the pros and cons for each. Once the decision was, he followed up right away. Almost a year later, when my husband decided to move his RRIF to a life annuity Phil Barker at Life Annuities was the only one we even considered!! The quotes came in quickly, paperwork was accurate, process was seamless and the first payment in our bank the following month. Thanks so much Phil for the excellent service!

Raema R. from British Columbia

"I highly recommend this process."

I'm receiving an annuity within 2 months of talking with Life Annuities.com. The website is a wealth of information, complimented by talks and emails. I'll be calling Life Annuities.com again down the road to be my annuity broker. I highly recommend this process.

Ken M. from Ontario

"I hope to do business with him again."

“The level of service from Life Annuities.com was better than I could have hoped for. He was quick to answer questions, gave sound advice, and went out of their way to deliver the annuity policy I wanted. I hope to do business with Life Annuities.com again.

T.C. from Toronto.

"Fast, Efficient and Stress Free"

As a annuity client I am very pleased with the service Phil and his team provided. Since buying an annuity is a one opportunity process, it's really important to have Phil utilize his knowledge to obtain the best deal.

Thanks again for the "10" star service.

G.H. Toronto, Ont.

"He patiently answered my questions and explained the matters I needed."

In early March 2019 I contacted Life Annuities.com to explore annuity quotations. They patiently answered my questions and explained the matters I needed to be concerned about. They then sent me a table of quotations for all the companies and comparing the numbers was very easy. I recommend Life Annuities.com for annuity purchases.

AS - Ottawa, Ontario

"We are very happy with our annuities."

Good morning,

My husband and I have joint life annuities with Manulife (2) and Canada Life (purchased through your office).

We are very happy with our annuities. Thanks again for all your help!

Best wishes,

Beverly Evoy and Christian Beauchamp

Good to hear from you; it has been a while since we communicated.

I'm glad to hear that you are happy with your annuities. Annuities remain the only product that ensure you will receive the same income for your lifetime. If you ever have questions about any financial matter we'll help or find you someone who can.


Life Annuities.com

Note: These clients came to us originally in 2011. They purchased again in 2014 and then again in 2015.

"Patient, Helpful and Respectful"

Life Annuities.com was consistently patient, helpful and respectful through several touchy months settling an estate.


Victoria, BC

"Thank you for your guidance and perseverance"

Thank you for your guidance and perseverance in managing the conversion of our RIFs to appropriate annuities. The suggestions, explanations and frequent updates made this process very smooth. My wife and I are very satisfied with the result of these transfers.

Tom K.


"Thank you for all of your extra efforts"

Hi Life Annuities.com,

I wanted to personally thank you for all of your extra efforts in successfully managing the issuance of the annuity through Sun Life Financial. I understand that this specific annuity was a “special case” and it required extra work in interfacing with Sun Life. The team always responded in a very timely manner. Thank you for your perseverance in getting the annuity issued after several follow up requests from Sun Life.

Please pass my contact information on to any potential clients in the future.

Dwayne O.

Sarnia, Ontario

"Payments started without a hassle"

Dear Life Annuities team,

Thank you for attending to my application for an annuity. Payments started on October 1 without a hassle.


Richard R.

Kitchener, Ontario

"Simon listened attentively to my requirements, provided straightforward answers to my questions and promptly provided me with an array of quotes to choose from."

For reasons which are unclear to me, some financial institutions offer life annuity rates which are much better than others. So in order to get the best deal it is necessary to enlist the services of a good broker.

The first broker that I dealt with appeared to be primarily interested in selling me products that I didn't want so I consider that I am fortunate to have found Life Annuities.com.

They listened attentively to my requirements, provided straightforward answers to my questions and promptly provided me with an array of quotes to choose from. I strongly recommend their services to anyone who is considering purchasing an annuity.

P. Kenny

Montreal, Quebec

"The team at Life Annuities knowledge and considerable expertise were invaluable, and they guided me through the entire process with patience and understanding."

Dear Life Annuities.com:

Now that the business of purchasing my annuities is completed, I wanted to write to you and say how pleased I have been to have engaged your first-class services. Your wide knowledge and considerable expertise were invaluable, and you guided me through the entire process with patience and understanding.

I consider myself to have been very fortunate to have found you and your company, and I would not hesitate to recommend you 100% to anyone who is seeking to purchase an annuity.

Best regards

(Dr.) Rodney Symington

London, ON

"We received the Policies, and they appear to reflect what we agreed. Thank-you for your efforts on our behalf. Best wishes for 2018, "

J. C.

Stouffville, Ontario

"I am very pleased to have just purchased a Payout Life Annuity through Life Annuities.com."

This process started for me about five years ago when I had a curiosity and casual interest in life annuities and how they worked. I used newspaper articles and the internet, especially Life Annuities website. I contacted them and they gave me comparative quotes from different companies with different scenarios for my personal circumstances. I found they are to be very helpful and objective with absolutely no pressure for me to buy.

Over the five year period, as my circumstances continued to evolve, I would periodically check in with them, or they would check in with me and provided updated quotes with no commitment on my part. Finally, when I determined that an annuity was the best fit for me and my portfolio, I naturally purchased through the person who had assisted me all along. I am comfortable that I made the right decision at the right time, and with the right advisor.

I would recommend Life Annuities.com.

Ann L., Ontario

"In the summer of 2016 I was looking for a company to help plan an annuity."

Mary and RobertFound a company on line by the name of Life Annuities.com.
The gentleman there was a tireless worker. Was always there when I phoned to get info. Easy to talk to.
So if you ever need help with Annuity’s or RRIF. Give them a call, you won’t be sorry.
Mary and Robert

"Life Annuities have always served me with professionalism and integrity."

Robert Adam Never too busy to take a call, or answer an email, I respect the way they run their business and serve their clients.

In all my dealings with Life Annuities.com, I have always felt well served and confident that the advice and products recommended were the absolute right choice for me.

Robert Adam

"My valued financial security advisors"

Pamela TaylorMy association with Life Annuities.com 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 Life Annuities.com. 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 Life Annuities.com, my old age would be far from ideal.

I am enormously grateful to them and him.

Pam Taylor

"I liked working with Life Annuities.com."

Anthony Mack

They gave me alternatives at each point to help me reach my goals.If you want the widest choice of products for your portfolio, give them a call.

Anthony Mack

"I started thinking about annuities based on the opinion of a couple of financial commentators that I follow: "

Rob Carrick of the Globe & Mail and Jean Lesperance's blog ”How to Invest Online" who both suggest that you should consider Annuities as part of your overall portfolio.

Annuities are a way that my wife and I could have a guaranteed income for life without the stress of the market volatility or the miserable returns available in GICs. A stress free income alternative.

It is a confusing market places with many annuity types and annuity sellers. Going to a knowledgeable broker seemed the best approach. And I am happy to say that Life Annuities.com filled that role perfectly.

They did the shopping around and found the best payout rates for us. They took us step by step through the application process and provided continued support. They patiently answered all of our questions quickly and personally. Buying an annuity for us was a bit of big scary step and it sure helped to have them there to guide us through the process.

David & Faye, Ontario

"In April, 2016, my wife and I purchased a Joint Life annuity with the assistance and guidance of “LifeAnnuities.com”.

They 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 them.

Regards Linda and John

"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.

"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 the patience in responding to my requests for different pay-out scenarios, based on different guarantee periods and other first assumptions.

The 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

"Life Annuities.com provided quick, efficient service in helping me purchase several annuities with a portion of my RRSP funds."

They went to bat for me when my bank was very slow in transferring funds from my RRSP. They kept me informed of progress and was always available to answer questions either by phone or e-mail. I would definitely recommend the Life Annuities.com to anyone considering purchasing an annuity.

Paula from Ontario

"Life Annuities.com 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.

They were very responsive in answering questions and providing advice. I am more than pleased with the quality of service provided by the team and would highly recommend the Life Annuities.com to anyone considering annuities.

Allan F. from B.C.

"Thank you so much for making my day, my week, my year!"

(This is a testimonial from a client whom we introduced to our Atlantic Canada broker in October 2014. It speaks to the quality of brokers with whom we work.)

My wife and I are so very pleased with this news. She and I have been agonizing over which policy to accept and what we could afford. Again, you have been so helpful and worked hard on my behalf and we are truely grateful.

J. Pineo

"I approached your company because I found your website well structured, informative and easy to use."

Paul from Ontario

"Very quick responce very good service."

Ken Thompson - P.E.I.

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

Robert from Ottawa

"Life Annuities.com is always available and answered all my questions accurately and patiently."

Several months ago, I engaged Life Annuities.com to explore annuities for myself and my wife.

As I intended to use both registered (RRSP) money and non-registered monies, they 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 they 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, Life Annuities.com 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.

Life Annuities.com was always available and answered all my questions accurately and patiently. If you are thinking of buying an annuity, Life Annuities.com is the answer.

Louis from Ontario

"It was not easy to trust someone with our life savings, but we are glad we trusted Life Annuities.com."

My wife and I wish to express our appreciation for the excellent advice and service we received from Life Annuities.com.

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 Lifeannuities.com 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 Life Annuities, 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 Life Annuities.com.

Thank you again

Fernand and Thérèse V. Toronto, Ontario

"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

"Very simple on prompt information and answers"

Purchasing an annuity is the first and only experience I've had with Life Annuities.com, 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 Life Annuities.

Catherine D. from Picton, Ontario

"Thank you Life Annuities.com 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.


Kathryn K.

"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

"I was very pleased with the friendly service and highly recommend LifeAnnuities.com"

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 LifeAnnuities.com. 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.

Life Annuities.com called shortly thereafter and discussed with me the various types of annuities and ways to maximize income from investment in an annuity. They 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, they helped to straighten things out quickly and efficiently.

I was very pleased with the friendly service and highly recommend Ivon and Lifeannuities.com for planning and instituting an annuity.

B. from Hamilton.

"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

"Thank you, Life Annuities, 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.


Terry, Ontario

"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

"Outstanding service and counsel"

For the past two years Life Annuities.com has provided me with outstanding service and counsel in helping to identify and obtain the appropriate type and amount of life insurance to suit my financial needs and family circumstances. Their professional, courteous demeanor, and breadth of insurance knowledge has made them a pleasure to deal with. I recommend them to you for your insurance requirements.

T. Finkel, Ontario,Canada

"Originally I had my doubts, but Life Annuities.com has done a great job!"

I would like to thank Life Annuities.com for providing great service. He found us the best price for our insurance needs. Originally, I had doubts about working with a life insurance agency so far from us, but Life Annuities.com has done a great job!

R & S Vine, British Columbia, Canada

Disability Income Protection

As an independent working woman, I realized in June 2003 that I better get a guarantee that my income would continue if I became disabled. I contacted Life Annuities who shopped the market (I have enough of my own shopping to do) for the best disability insurance quote and who got me a great policy at a great price. Now I know I have tax free income and if you, the reader, are not protecting your most valuable asset, your income, you should do something about it."

Margot Daley,

Ontario, Canada

Disability Income

For some time I had been looking for a good broker to guide me through the jungle of life insurance and most particularly, a disability insurance quote. Somehow I landed on their site, uncertain of what questions to ask and what was involved. Life Annuities supplied various types of disability insurance quotes from different companies until we agreed on the type of policy I needed. Now that I have a monthly income secure, and tax-free too, I do not have to be concerned if I become unable to work. I fully recommend their services.


Ontario, Canada

Life Insurance

Hi. I know you have tried to call. I have been away lately. Just to keep you posted I am negotiating with a potential employer. Now that I am better armed with info on life insurance, I am making sure that they include it in the final offer. If everything plays out the way it should I will not be needing any supplemental insurance for the time being. Should I need anything in the future I will be sure to contact you. Appreciated your help and honesty.

P. Lanthier

Investment Client

I have dealt with Life Annuities.com for about 20 years. They arranged a portfolio for me in annuities. Our relationship has been a wonderful one. They are straight shooters and know their business.

Dr. M.A. Gold, Jewish General Hospital,

Quebec, Canada

Happy Life Insurance Client

I have been dealing with Life Annuities since 1989 for all of my family's insurance requirements.

What convinced me to deal with them was the attention paid to every detail as well as the manner in which I was able to view the rates of many insurance companies and then make a decision on the best value for my dollar.

I am pleased to say that 15 years later, my insurance needs are still met with the same interest and attention as they were in 1989!

I have attached the first page of a sample quote from 1990 to show that they provide all the quotes from all the companies in order to make a decision.

Lindsay Riddell,

Quebec, Canada

Investment Client

To whom it may concern,

It is my pleasure to furnish this letter of reference in favour of Life Annuities.com.

My acquaintanceship with Life Annuities began in 1991, at which time he asked me to set up his office with current computer technology. My association with Life Annuities.com was and continues to be a pleasurable one.

In the period of 1991 to date, I subsequently became a client to Life Annuities.com. I placed several investments with him, and now in my retirement, I can report that they were able to invest wisely on my behalf. It is worth noting also, that they intervened on my behalf of a particularly difficult investment I had made prior to our association, and one involving a liquidated investment company. While the issue remains to be satisfactorily resolved, Life Annuities.com nonetheless contributes to moving it forward, and for which I am most grateful.

In summary then Madam or Sir, I can state that my association with this company has be most satisfactory both as a supplier of services and as a client.

If I can be of any further service, please feel free to call upon me."

- Gordon A. Clark,

Quebec, Canada

Life Insurance and Critical Illness

I met the team at Life Annuities.com a couple of years ago when he presented me with term life insurance quotes from different companies for our partnership insurance. I examined various proposals and decided to buy 4 term life insurance policies that suited us best.

However, I was unable to buy a critical illness policy which is very important to protect your income, as I was resident in the USA. Now that I have returned, I am applying for a critical illness policy so that in the event of a major illness, I will receive a lump sum payment. This gives me peace of mind as my family is protected by a cash payment if I live or the term life insurance payout if I die.

Wes Ramage,

Cornwall, Ontario, Canada

Critical Illness Client

As I have a family and an income to protect, I needed to find coverage which was well affordable and comprehensive.

Because of the low cost, they recommended term life insurance and supplied me with quotes from all the carriers. And he did the same for my critical illness policy, explaining in detail the different terms and prices.

I purchased the critical illness policy to protect my income and my family in the event of sickness. In addition, the term life insurance policy protects my family if I should die. I fully recommend Life Annuities.com to anyone seeking independent life insurance advice.

M. Hebert,

Quebec City, Quebec, Canada

Life Insurance and Critical Illness

As the President of Clearstone Group, I requested through the Life Annuities.com website term life insurance quotes for our partnership agreement. They supplied us with quotes from all the carriers from which we chose Canada Life to protect our families. It was a simple and easy procedure. Then to back up that policy, we took critical illness policies to pay us a lump sum in the event of a major sickness and so that the company could continue its work without having to support a partner who could no longer contribute. Now we intend to apply for health insurance. Overall, let me say that I am more than happy with Life Annuities.com work and I recommend them as a broker who supplies you with the information you need.

Frank Famularo - President,The Clearstone Group

Montreal, Quebec

Life Insurance and Critical Illness

As a partner in a major business, I was introduced to Life Annuities through the internet as someone who would deal with us fairly and simplify the mysteries of term life insurance and critical illness insurance.

Subsequently, I have purchased both term life insurance and critical illness insurance and am well satisfied with how our business has been handled. Dealing with Life Annuities.com has saved the company money because of his ability to answer questions about what coverage precisely was needed.

If you don’t have critical illness to protect your income and term life insurance to protect your family, I suggest you get it now.

Robert Duffy,

Montreal, Quebec, Canada


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