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
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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 | 497.26 | 533.66 | 586.14 | 660.97 | 769.98 | 943.61 |
| Canada Life | 457.43 | 540.95 | 540.95 | 614.94 | 729.48 | 915.34 |
| Desjardins | 473.04 | 512.76 | 567.70 | 646.62 | 748.65 | 892.27 |
| Empire Life | 435.09 | 475.56 | 531.20 | 607.47 | 709.93 | - |
| Manulife Investments | 490.28 | 527.71 | 581.61 | 657.64 | 759.47 | 923.42 |
| RBC Life Insurance | 460.51 | 499.65 | 552.16 | 626.17 | 742.54 | 928.34 |
| Sun Life Assurance | 470.20 | 505.47 | 555.61 | 632.20 | - | - |
Female — Annuity Rates
| Company | 55 | 60 | 65 | 70 | 75 | 80 |
|---|---|---|---|---|---|---|
| BMO Insurance | 482.61 | 513.38 | 558.65 | 617.24 | 686.25 | 837.01 |
| Canada Life | 437.06 | 465.19 | 504.54 | 560.58 | 643.28 | 773.42 |
| Desjardins | 450.37 | 484.66 | 531.45 | 597.01 | 678.66 | 806.04 |
| Empire Life | 412.68 | 445.28 | 490.45 | 554.67 | 648.77 | - |
| Manulife Investments | 475.02 | 507.08 | 553.58 | 613.26 | 695.98 | 818.16 |
| RBC Life Insurance | 439.76 | 474.54 | 521.44 | 584.06 | 678.04 | 829.22 |
| Sun Life Assurance | 449.58 | 483.22 | 526.96 | 590.52 | - | - |
Insight: Males typically receive slightly higher monthly income than females at the same age due to life expectancy assumptions.