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 |
490.13 | 526.68 | 579.83 | 655.26 | 764.24 | 937.76 |
 Canada Life |
443.06 | 477.48 | 526.64 | 600.73 | 715.33 | 901.24 |
 Desjardins |
464.61 | 504.54 | 559.68 | 638.78 | 740.97 | 884.94 |
 Empire Life |
423.72 | 464.36 | 520.11 | 596.46 | 699.09 | - |
 Manulife Investments |
477.56 | 512.20 | 561.73 | 633.96 | 728.66 | 872.83 |
 RBC Life Insurance |
449.27 | 489.68 | 543.79 | 618.43 | 734.45 | 919.48 |
 Sun Life Assurance |
456.32 | 491.34 | 541.19 | 617.37 | - | - |
Female — Annuity Rates
| Company | 55 | 60 | 65 | 70 | 75 | 80 |
|---|---|---|---|---|---|---|
| BMO Insurance |
475.43 | 506.96 | 552.37 | 610.52 | 679.66 | 830.32 |
| Canada Life |
422.85 | 450.94 | 490.35 | 546.55 | 629.43 | 759.70 |
| Desjardins |
441.89 | 476.39 | 523.39 | 589.14 | 671.00 | 798.67 |
| Empire Life |
401.39 | 434.22 | 479.59 | 543.97 | 638.15 | - |
| Manulife Investments |
463.77 | 493.90 | 537.52 | 594.53 | 673.00 | 788.76 |
| RBC Life Insurance |
428.12 | 463.69 | 511.86 | 576.51 | 670.22 | 820.89 |
| Sun Life Assurance |
436.01 | 469.37 | 512.84 | 576.07 | - | - |
Insight: Males typically receive slightly higher monthly income than females at the same age due to life expectancy assumptions.