Now serving clients in BC and Alberta.

Find the Right Annuity

Create a rock-solid income for a happy retirement, and enjoy the carefree spending. May I shop the annuity market for you?

Cottage Couple On Couch

Get the Best Annuity Rate

Rates vary significantly from company to company, so it pays to compare. Let me know if you would like a personal quote.

Man, 70

7.59%

$632.21 monthly

$116,074 to life expectancy

Woman, 70

7.12%

$592.99 monthly

$126,663 to life expectancy

Couple

Joint, 70

6.58%

$547.99 monthly

$148,615 to life expectancy

Payout rates as of April 28, 2025. Based on $100,000 of registered funds, 10-year minimum payout. Rates are indicative only and subject to change. Source: CANNEX

Use annuities to create automatic income streams

Annuities are effortless and don’t need managing

Issued by strong and secure Canadian insurance companies

Flexible minimum payouts give you control over return of capital

No upfront or annual fees, and no market swings

An annuity is the only financial product you can buy that contractually guarantees income for life

First Class Canadian Annuity Companies

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Canada Life Logo
Desjardins
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Rbc
Sun Life

Personal Service

As an independent annuity broker, I help you find the annuity that fits you best and pays you the most. Then I handle all of the paperwork. Because I have access to every Canadian annuity company, my service is objective, and there is no charge for it.

Peterbrock

Peter Brock


Annuity Broker

We all need reliable retirement income. And the older we get, the more we need baseline income that lands in our bank accounts like clockwork and is completely foolproof.

With guaranteed income to support you throughout your retirement, you can spend more freely, knowing the well will never run dry.

Best of all, when your lifestyle is protected and safe you have the confidence to live without holding back, no matter what happens in the world.

Annuity Insights

Cover the basics

Add up your monthly living expenses and subtract your CPP, OAS, and other pension income. Any gap should be closed with an annuity to create a solid income floor underneath you.

Start small

Buy the smallest annuity that fills your income gap. Keep the majority of your portfolio invested for the long term, with some ready cash in a “stuff happens” account.

Protect your future self

Guaranteed income is your defence against things going south. No matter what’s in the cards for the economy, your investments, or your abilities – you’ll always have money coming in.

Use your interest-bearing money

Bonds and GICs can be put to good use in an annuity, allowing you to increase your return and optimize your portfolio, while preserving the remainder of your assets for growth.

Pair with dividend ETFs

Canadian dividend ETFs with low management fees pair well with annuities, to get growth and keep up with inflation. Buy, hold, and spend.

Buy one now, and another later

Annuity payouts are higher for older buyers, so consider a second one in later life, to increase your monthly income over time.

Milevsky

Moshe Milevsky

“There is overwhelming evidence that people over the age of 70 should use a life annuity because the longevity credits are just too significant to ignore. I’m a huge fan of annuities that act like a personal pension.”

Moshe Milvesky is a professor of finance at York University, a pension expert and a prolific author.

Fred Vettese

Fred Vettese

“In later stages of retirement, people become less capable of managing their investments, while their self-confidence remains the same or even increases. Prepare for this stage.”

Fred Vettese is a former actuary and author of the best-selling book “Retirement Income for Life”

Wade Pfau 2

Wade Pfau

“An annuity is very straightforward: a simple lump-sum payment, and you get income for life. It pools longevity risk across a large group of individuals; and because of its longevity credits, those who don’t live long subsidize those who live longer. An annuity can help preserve the remaining portfolio when someone lives a long time in retirement.”

Wade Pfau is a researcher focused on retirement income planning. He has published four books and over sixty peer-reviewed research articles.

Ask Me a Question

I welcome your annuity questions. If you send me a message, you will receive a prompt email back.