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 life 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 21, 2025. Based on $100,000 of registered funds, 10-year minimum payout. Rates are indicative only and subject to change. Source: CANNEX

Use life annuities to create automatic income streams

Annuities are effortless and don’t need managing

Issued by strong and secure Canadian insurance companies

Your choice of minimum payout – preserve capital or maximize income

No commission 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

At Your Service

As an independent annuity broker, I have access to every Canadian annuity issuer. I shop the market to find the best-paying annuities and I help you understand the pros and cons so you know what to expect. There is no charge for this service because the insurance company compensates the broker.

Peterbrock

Peter Brock


Annuity Broker

Over the years, I’ve learned the value of retirement income that combines guarantees with growth. Annuities and pensions bring the guarantees, and the portfolio provides the growth.

My background is in investments, and during my time in the business I saw many retired, well-off clients spend less than they could, out of concern they might need the money later. On the other hand, clients with ample pension income would spend more freely, knowing the well would never run dry.

And so I started this advisory service, to help you set up a safe and automatic retirement income. The older you get, the more you need income that’s reliable and completely foolproof. And knowing you are protected gives you the confidence to spend (and invest) 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.