Find the Right Annuity
Let me navigate the annuity marketplace for you. Tell me your story, and I will help you create rock-solid income that works for your retirement.
Get the Best Annuity Rate
Rates vary significantly from one insurance company to another, so it pays to compare – because it’s your rate for life. Let me know if you would like a personal quote.
Man, 70
7.55%
$629.52 monthly
$115,580 to life expectancy
Woman, 70
7.18%
$595.47 monthly
$127,735 to life expectancy
Joint, 70
6.68%
$556.36 monthly
$150,885 to life expectancy
Payout rates as of November 6, 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 make sure everything you put in is paid out
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
Personal Service
Two things you’ll need for a good retirement: something to live on, and something to live for. I can help you with the first one, by finding the annuity that fits you best and pays you the most. I also handle all of the paperwork. Because I have access to every Canadian annuity company, you get objective service, and there is no charge for it. You’ll work with me directly by email and phone in easy-going conversations that are free of sales talk.
Peter Brock
Annuity Broker
We all need reliable retirement income. And the older we get, the more we need foolproof income that lands in our bank accounts like clockwork.
With guaranteed income to support you throughout your retirement, you can spend more freely, knowing the well will never run dry.
Best of all, protecting your lifestyle with an annuity or two creates confidence in the future and peace of mind today, no matter what happens in the world.
Annuity Insights
Cover the basics
Add up your 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 to stand on.
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.
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
“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
“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.