Annuity Table (2026 Canada Rates)
Compare Annuity Rates by Age, Sex and Company
The Annuity Table provides a side-by-side comparison of current single (male/female) and joint life annuity rates in Canada. Below are Canadian insurance companies offering the highest monthly income at each age based on $100,000 of registered funds and payments commence in one month and no guarantee period.
Updated:
Annuity Rate Comparison Table
| Company | Age | Male | Female | Joint |
|---|---|---|---|---|
BMO Insurance
| 55 | 521.56 | 506.80 | 472.61 |
| 60 | 555.65 | 536.95 | 492.15 | |
| 65 | 603.45 | 579.95 | 520.94 | |
| 70 | 675.58 | 634.68 | 556.40 | |
| 75 | 763.10 | 685.32 | 579.47 | |
Canada Life
| 55 | 474.03 | 453.44 | 428.31 |
| 60 | 508.98 | 482.07 | 449.64 | |
| 65 | 558.84 | 521.86 | 479.61 | |
| 70 | 633.78 | 578.86 | 523.48 | |
| 75 | 750.44 | 663.06 | 589.70 | |
Desjardins
| 55 | 501.15 | 478.61 | 449.62 |
| 60 | 540.23 | 512.27 | 475.14 | |
| 65 | 594.55 | 558.45 | 510.96 | |
| 70 | 672.94 | 623.41 | 562.36 | |
| 75 | 771.84 | 701.80 | 622.66 | |
Empire Life
| 55 | 465.36 | 442.68 | 416.90 |
| 60 | 505.61 | 474.88 | 440.65 | |
| 65 | 561.18 | 519.74 | 473.86 | |
| 70 | 637.46 | 583.79 | 521.19 | |
| 75 | 739.66 | 677.84 | 590.48 | |
Manulife Investments
| 55 | 516.21 | 501.54 | 466.95 |
| 60 | 551.31 | 532.20 | 488.88 | |
| 65 | 601.00 | 576.08 | 523.73 | |
| 70 | 672.40 | 632.99 | 566.39 | |
| 75 | 770.80 | 698.31 | 620.74 | |
RBC Life Insurance
| 55 | 474.40 | 454.96 | 430.75 |
| 60 | 510.73 | 488.12 | 455.04 | |
| 65 | 561.82 | 532.24 | 488.19 | |
| 70 | 635.66 | 593.80 | 534.43 | |
| 75 | 752.04 | 687.90 | 603.70 | |
Sun Life Assurance
| 55 | 489.47 | 468.39 | 442.78 |
| 60 | 525.14 | 502.40 | 463.55 | |
| 65 | 576.12 | 546.80 | 492.93 | |
| 70 | 654.25 | 611.57 | 542.19 | |
| 75 | — | — | — |
Disclaimer: Annuity rates shown are for illustration purposes only and are subject to change without notice. Actual annuity income depends on individual factors and market conditions.
