{"id":15087,"date":"2024-10-30T12:02:34","date_gmt":"2024-10-30T12:02:34","guid":{"rendered":"https:\/\/silver.rbcinsurance.com\/en-ca\/?page_id=15087"},"modified":"2026-03-27T08:57:40","modified_gmt":"2026-03-27T12:57:40","slug":"annuities","status":"publish","type":"page","link":"https:\/\/silver.rbcinsurance.com\/en-ca\/annuities\/","title":{"rendered":"Payout Annuities"},"content":{"rendered":"\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__HeroImageBackground  hasDarkBg\" style=\"background:url(https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/payout-annuities-insurance_hero-desktop.webp) no-repeat;--bghero-mobi-url:url(https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/payout-annuities-insurance_hero-mobile.webp)\">\n<div class=\"wp-block-columns cols-hero-wrapper is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column col-front is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"rbc-yoast-breadcrum\"><span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span><\/p>\n\n\n\n<h1 class=\"wp-block-heading rbc-callout-heading\" id=\"h-rbc-payout-annuities\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#FFFFFF\" class=\"has-inline-color\">RBC payout annuities<\/mark><\/h1>\n\n\n\n<p class=\"rbc-override-margin p-large\">RBC payout annuities can give you financial security and stability when you retire, offering guaranteed income for as long as you want.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-accent accent\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/silver.rbcinsurance.com\/annuities\/annuity-calculator.html\" data-dig-id=\"LP-15087-3a98295a\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Compare now-https:\/\/silver.rbcinsurance.com\/annuities\/annuity-calculator.html \">Compare now<\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center\" id=\"h-i-need-my-money-to-last-in-retirement\">&#8220;I need my money to last in retirement.&#8221;<\/h2>\n\n\n\n<p class=\"has-text-align-center p-large\">You\u2019ve worked hard and saved hard so you can have a comfortable retirement. Choose RBC&nbsp;Payout Annuities for the financial security you need.<\/p>\n<\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout1 mar-t-dbl mob-mar-t-dbl\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__header is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-benefits-of-payout-annuities\"><span class=\"partial__border-bottom\">Benefits of payout annuities<\/span><\/h2>\n\n\n\n<p class=\"p-large\"><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/10\/income.svg);background-color:#EDF7FC\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-guarantee-your-retirement-income\">Guarantee your retirement income<\/h4>\n<\/div>\n\n\n\n<p>Depending on the Payout Annuity you choose, you can receive guaranteed income for life (for just yourself, or for both you and your spouse) or for just a specific time period.<br><br>Your payments are locked in the moment you purchase a Payout Annuity. You don\u2019t have to worry about what the market does or where interest rates go. Your income is guaranteed.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/10\/savings-account.svg);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-enjoy-an-easy-investment\">Enjoy an easy investment<\/h4>\n<\/div>\n\n\n\n<p>Once you purchase a Payout Annuity, your payments are locked in. You\u2019ll never have to adjust it or make any investment decisions for it.<br><br>RBC Payout Annuities can be purchased with funds from non-registered plans or registered plans\u2014for example: a Registered Retirement Savings Plan (RRSP), Registered Retirement Income Fund (RRIF), or other registered plans.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/10\/lock.svg);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-provide-security-to-loved-ones\">Provide security to loved ones<\/h4>\n<\/div>\n\n\n\n<p>You have the option to continue your payments to your spouse or beneficiary if you pass away during a certain time period.<br><br>Any death benefits from your annuity that are made to your beneficiaries do not have to go through probate, a lengthy process by which a court formally approves a will. This means:<\/p>\n<\/div>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-black-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Your loved ones receive the money faster<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Your estate remains private<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>More money is passed along<\/p>\n<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Tax-Rate.svg);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-minimize-your-taxes\">Minimize your taxes<\/h4>\n<\/div>\n\n\n\n<p>When purchased with non-registered funds, the interest portion of your monthly payment is spread out evenly over the Payout Annuity\u2019s life.<sup><a href=\"#legal-1\" data-dig-id=\"LP-15087-44eddabd\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1\" class=\"rbc-link-format\">1<\/a><\/sup> \u2028This levels out your tax payments and minimizes the taxes you pay.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout7\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-col flex-gap-0 flex-1\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-types-of-payout-annuities\">Types of payout annuities<\/h3>\n\n\n\n<p>Find the annuity that\u2019s right for you:<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-col flex-2\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-list list-core-block second-level-black-disc third-level-inherit is-style-blue-disc\">\n<li><strong>Single life annuity \u2013 Guaranteed income for the life of one person:<\/strong> A single life annuity offers guaranteed income for the life of one person, regardless of what\u2019s going on with markets or interest rates. It\u2019s the right choice if you are:\n<ul class=\"wp-block-list  list-core-block second-level-inherit third-level-inherit\">\n<li>Worried a market slump might cut into your savings<\/li>\n\n\n\n<li>Thinking you will outlive your income<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Joint Life Annuity \u2013 Guaranteed income for the lives of two people: <\/strong>A joint life annuity offers guaranteed income for the lives of two people. When the first person passes away, payments continue for the life of the surviving person. It\u2019s the right choice if you are:\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-default default\">\n<li>Wondering how to provide for both yourself and your spouse<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Term Certain Annuity \u2013 Guaranteed income for a set period of time:<\/strong> A term certain annuity offers guaranteed income for a set period of time, or until you reach a certain age. It\u2019s the right choice if you are:\n<ul class=\"wp-block-list  list-core-block second-level-inherit third-level-inherit\">\n<li>Planning to retire early and need income until your pension kicks in<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-col flex-gap-0 flex-1\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-customize-your-payout-annuity\">Customize your payout annuity<\/h3>\n\n\n\n<p>Choose from optional features for additional protection:<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-col flex-2\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li><strong>Minimum Payment Guarantee Period: <\/strong>If you (or you and your spouse) pass away before the end of the guarantee period, remaining payments will be paid to your beneficiary\u2014either through regular payments or as a lump sum. Our guarantee periods range from 1 to 25 years. This may be the right choice if you are concerned about passing away after receiving just a few payments.<\/li>\n\n\n\n<li><strong>Return of Premium Guarantee: <\/strong>Your entire premium deposit will be refunded to your beneficiary if you (or you and your spouse) pass away before you receive your first Payout Annuity payment.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__image\" style=\"background-color:#F7F8FA\">\n<div class=\"wp-block-columns cols is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column col-left is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-want-to-know-more\">Want to know more?<\/h2>\n\n\n\n<p class=\"rbc-override-margin p-large\">Ask us how RBC Payout Annuities can give you guaranteed income for as long as you want.<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/silver.rbcinsurance.com\/request-a-call\/retirement\/index.html\" data-dig-id=\"LP-15087-b97536f5\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Book a call-https:\/\/silver.rbcinsurance.com\/request-a-call\/retirement\/index.html \">Book a call<\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p>Have an existing RBC Payout Annuity contract? Please contact your current advisor.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column col-right is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"606\" height=\"573\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/retirement-insurance-cta.webp?quality=80&amp;w=606\" alt=\"A senior couple feeling secure under payout annuities coverage\" class=\"wp-image-18136\" srcset=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/retirement-insurance-cta.webp 606w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/retirement-insurance-cta.webp?resize=300,284 300w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/retirement-insurance-cta.webp?resize=412,390 412w\" sizes=\"auto, (max-width: 606px) 100vw, 606px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-rbc-legal-collapsible disclaimer\" aria-label=\"Legal Disclaimers\"><div class=\"section-inner\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapseDisclaimer\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapseDisclaimer\" data-dig-id=\"LP-15087-afa4ea86\" data-dig-category=\"LP\" data-dig-action=\"legal close\" data-dig-label=\"legal close\" action-closed=\"legal close\" action-opened=\"legal open\" label-close=\"legal open\" label-open=\"legal close\"><span>View Legal Disclaimers<\/span><span>Hide Legal Disclaimers<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapseDisclaimer\"><div class=\"collapse-inner\"><div class=\"table-wpr\">\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-1\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup><\/sup><\/div><div class=\"table-cell\">\n<p>The information within this site is not intended to provide tax advice. You should seek independent tax advice from a tax professional or advisor.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-2\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>1<\/sup><\/div><div class=\"table-cell\">\n<p id=\"disclaimer-1\">Only applies to Payout Annuities purchased with non-registered funds.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":118,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"templates\/new-rbci-design.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-15087","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Payout Annuities | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Retired or retiring soon? RBC Payout Annuities offer financial security and stability when you retire, with guaranteed income for as long as you want.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/annuities\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Payout Annuities | RBC Insurance\" \/>\n<meta property=\"og:description\" content=\"Retired or retiring soon? 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