Annuity Rate Comparisons

Male vs Female
Published:

Male vs Female Comparison Table

Age Avg Male Avg Female Difference ( - ) % Gap

Annuity rates are based on the following assumptions.

• $100,000 of registered funds • No guarantee period • Payments begin in one month

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Use the button to view all insurer rates. Monthly income per $100,000; no guarantee period.

Male — Annuity Rates

Company 55 60 65 70 75 80
BMO Insurance logoBMO Insurance 504.43 538.91 587.86 658.68 752.53 925.80
Canada Life logoCanada Life 454.66 489.76 539.84 615.04 731.03 918.93
Desjardins logoDesjardins 478.69 518.26 573.06 651.87 748.65 892.27
Empire Life logoEmpire Life 442.14 482.76 538.62 615.12 717.74 -
Manulife Investments logoManulife Investments 499.04 534.27 584.20 655.97 752.82 896.78
RBC Life Insurance logoRBC Life Insurance 456.06 495.52 548.16 621.82 737.65 921.87
Sun Life Assurance logoSun Life Assurance 470.99 506.55 557.18 634.57 - -

Female — Annuity Rates

Company 55 60 65 70 75 80
BMO Insurance logoBMO Insurance 490.44 520.42 563.23 619.48 678.56 829.21
Canada Life logoCanada Life 434.19 462.84 502.89 559.56 644.17 775.72
Desjardins logoDesjardins 456.05 490.19 536.85 602.27 678.66 806.04
Empire Life logoEmpire Life 419.58 452.29 497.61 562.03 656.34 -
Manulife Investments logoManulife Investments 484.42 515.19 559.28 616.55 685.37 812.43
RBC Life Insurance logoRBC Life Insurance 435.24 470.27 517.49 580.07 673.73 824.16
Sun Life Assurance logoSun Life Assurance 450.25 484.14 528.29 592.53 - -

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Insight: Males typically receive slightly higher monthly income than females at the same age due to life expectancy assumptions.

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