Beneva
BMO Insurance
Canada Life
Desjardins Financial
Empire Life
Equitable Life
Great-West Life
Industrial Alliance
ivari
Manulife
RBC Insurance
Sun Life
Annuity Rate Comparisons
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
Show All Insurer Rate Tables
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 | 496.07 | 534.24 | 588.44 | 660.97 | 764.24 | 937.76 |
| Canada Life | 463.34 | 497.84 | 547.62 | 622.34 | 738.66 | 926.53 |
| Desjardins | 482.16 | 521.84 | 576.84 | 656.01 | 758.49 | 902.24 |
| Empire Life | 441.71 | 482.43 | 538.44 | 615.19 | 718.06 | - |
| Manulife Investments | 515.00 | 546.60 | 609.54 | 696.75 | 829.34 | 1,050.98 |
| RBC Life Insurance | 454.87 | 492.21 | 544.12 | 620.84 | 739.24 | 928.02 |
| Sun Life Assurance | 478.94 | 514.51 | 564.99 | 623.94 | 762.60 | 941.66 |
Female — Annuity Rates
| Company | 55 | 60 | 65 | 70 | 75 | 80 |
|---|---|---|---|---|---|---|
| BMO Insurance | 485.02 | 505.79 | 550.09 | 609.41 | 673.08 | 823.64 |
| Canada Life | 442.63 | 471.08 | 510.74 | 567.34 | 651.04 | 782.26 |
| Desjardins | 459.37 | 493.59 | 540.39 | 606.05 | 687.92 | 815.43 |
| Empire Life | 418.80 | 451.43 | 496.71 | 561.16 | 655.64 | - |
| Manulife Investments | 465.57 | 499.20 | 539.97 | 590.87 | 672.24 | 789.52 |
| RBC Life Insurance | 435.64 | 468.87 | 514.16 | 577.68 | 673.54 | 827.02 |
| Sun Life Assurance | 457.72 | 491.55 | 535.45 | 599.05 | 693.03 | 844.27 |
Insight: Males typically receive slightly higher monthly income than females at the same age due to life expectancy assumptions.